23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

- On XX/XX/XXXX a series of unauthorized transactions were made on my Apple Card by Goldman Sachs, and were reported immediately to the service department. Provisional credits were made for each, and eventually became permanent, with the exception of the largest disputed amount of {$400.00}, which was charged at an undisclosed XXXX XXXX location. 

- The investigation resulted in a reversal of the provisional credit, suggesting that I had in fact made the charge myself, which was false. I requested that the dispute be reopened in XX/XX/XXXX, and it took 2 months and weekly phone calls/complaints for them to reopen the dispute and make a decision on issuing a credit. I received an email on XX/XX/XXXX indicating that the investigation was complete, and that I should receive a permanent credit of {$400.00} on my account. However, weekly inquiries have resulted in unfulfilled promises of the credit being applied, and has not been resolved. 

- As of the date of this complaint ( XX/XX/XXXX ), no credit has been applied, despite numerous " escalation requests '' and commitments from representatives that this should be resolved in a matter of " a few days ''. 

- Goldman Sachs is still holding me responsible for the disputed amount, despite issuing an email to me stating that the dispute was to resolved in my favor. " XXXX '' a purported manager in the fraud department indicated this is simply a " IT issue for alot of accounts, not just yours ... '' and that " IT just hasn't gotten around to it yet. '' XXXX was unable to make any promises or commitment for timeline for resolution as of the date of this complaint.
Product: Checking or savings account

I have been a customer of bank of America for 10 years. I wish bring to your kind attention that I am having problems with all those banks fees that have being charge to me. I hold an account I am sad to say that despite making calls to the XXXX number mention if you called other staff/customer-care center ), there has been no action taken. i being charge over 2000 dollar worht of XXXX nfs fees. specially duringthe pandemic i am a family of 4 my wife got laid off durring the pandemic. because everyone is stated is not a bank error.theire is nothing that cant be done And also to say that despite making calls to your branch and the customer-care toll-free numbers, there has been no resolution.
Product: Credit card

I notified the Discover XXXX Department of multiple charges I did not make nor authorize on my card upon my knowledge of the charges after realizing these charges after retrieving my credit report and seeing an obscene balance I didn't have anything to do with. I was shocked, as I had not received any statements/phone calls, nor email notifications of any charges or pending approvals of charges per Discover and hadn't used my card. I was told per the fraud dept XXXX that all charges were done remotely ; none with the card actually scanned/swiped. Because I wasn't aware of any charges, I hadn't contacted them until I discovered the balance on my credit report and hadn't made payments as I wasn't using the card and it had formerly been on auto-pay. I was told the charges would be put in a fraud investigation standing and a proper investigation would be conducted, yet that never occurred. By the time I discovered it, they had shut down my card; had removed my online access and refused to send me the back statements to show what had been charged and where/when. To this day, they are refusing to even let me see the charges their billing for nor where they originated or how they were processed. I received nothing to update me on the fraudulent claim investigation ; instead a provisional credit I was told that I don't ; even know happened --, then a repeated billing cycle statement began being mailed to me for a closed account demanding payment for charges I never made or had knowledge of being made! Discover had closed my account after payments weren't made for several months they said, and they demanded I pay for these fraudulent charges. After never even sending me an explanation of their investigation nor when/where the charges were made and how! Clearly, Discover never conducted an investigation and instead just tried to bully me with repeated bills for charges I never made. It won't be tolerated. Also, since they stripped my online access BEFORE they ever notified me of a balance -- I haven't to date seen the charges, nor received any communication regarding the fraud investigation. Illegal and unacceptable! Blatant violation of the Terms of Agreement for this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent inquires from the following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX ) XXXX  XXXX Account XXXX is : # XXXX XXXX ) dXXXX XXXX XXXX Account number is : # XXXX XXXX ) XXXX XXXX  : Account Number is # XXXX XXXX ) XXXX Account number is # XXXX XXXX XXXX XXXX XXXX XXXX Account number is # XXXX XXXX XXXX XXXX XXXX Account number is # XXXX XXXX ) XXXX Account number is # XXXX XXXX XXXX XXXX XXXX Account number is # XXXX XXXX XXXX XXXX XXXX number is # XXXX XXXX XXXX XXXX XXXX  Account number XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account number is # XXXX XXXX ) XXXX XXXX  Account Number is # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX ) XXXX XXXX XXXX Account number XXXX : XXXX XXXX ) XXXX XXXX  XXXX Account number XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX : XXXX XXXX ) XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number is : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number is : XXXX XXXX ) XXXX  Account number is : XXXX XXXX ) XXXX  Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXX/XX/XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i don't have an account with fig loans. please delete from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Coinbase withdrew money from my account without my authorization and then blocked me from their site. Its been six weeks and Ive tried contacting them literally every day with no response. They have {$38000.00} of my money and Im suffering from XXXX losses daily
Product: Credit reporting or other personal consumer reports

Out of nowhere, I saw incorrect accounts on my credit report today, and Im honestly baffled as to why. Im used to checking my report, but this time, something was off. I tried refreshing the page, thinking it was just a display error, but nothing changed. Im asking for a thorough check of the documents Ive sent so I can put this worry behind me.
Product: Debt collection

I've disputed this over a year now. I took out a {$400.00} loan out 8 yrs ago and the collection agency National Credit Adjust, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS. XXXX is charging me {$2800.00}. I told them that Ohio does not allow hundreds of percent taken on pay day loans and I would pay off at a reasonable rate.They told me they will not remove for another 7 yrs if I dont pay almost 500 % interest on a {$400.00} loan that should be charged off by now they bought for pennies. Original creditor XXXX XXXX XXXX  who also was in trouble for overcharging and being predatory.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report.

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Product: Debt collection

My wife and I were living in the XXXX apartments in XXXX Arizona. We had a neighbor try and break in, and when we caught them and of course confronted them, they threatened us and made livelong there miserable. We spoke with the office ( XXXX and XXXX from the company XXXX XXXX  ) and they got us in touch with their manager XXXX. He agreed to allow us to break our lease free of charge for everything we had been through as the office staff did nothing but tell the neighbors that we were reporting them this making everything worse. 

As of XX/XX/2021 a charge hits my credit in the amount of {$1200.00} .... Seriously {$1200.00}... 

We were told that there would be no charges, and upon confronting XXXX about this he immediately changed his story. I even sent him emails showing him where he stated this ( sadly they are too old and I would have to do some serious digging to find those again ) I tried disputing this with XXXX XXXX  only to find out they no longer even own XXXX. 

This is a fraudulent charge, we have reported the living conditions to the XXXX  and to the city of XXXX ( which to be honest I do believe played a part in XXXX losing XXXX ) however this fraudulent charge is making it very hard to get to live anywhere because of this fraud. Also I don't know if this is relevant, however the man XXXX in the front office if XXXX XXXX harassed my wife, we reported it and nothing got done. 

We have explored all options, even tried contacting them and that's a dead end street, please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit Reporting act XXXX Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC Section 602 states : I have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account
Product: Checking or savings account

XXXX XXXX, wrongfully charged my Chase Banking Account because, I used my XXXX XXXX  XXXX XXXX to order food, health products, house hold items, and the like, from the Stores that are listed on the XXXX XXXX XXXX ( which is the product of the XXXX XXXX ), and my XXXX, XXXX XXXX XXXX, have the App, on her cell phone, and on it, she is the XXXX XXXX Account XXXX, and she had her XXXX XXXX XXXX ( which is a XXXX Debit Card ), as the primary sourced ( and one the principle card to be used on the Account, and none others because, that is how XXXX set it up, and XXXX decided to release it, when I told them where the funds came from, and that was yesterday, and my {$100.00} was suppose, and to be ready for me to have access to it, as the Verbal Contract that waws made between me and the Chase Bank Representatives, and they just violated the Verbal Contract. They don't even know what a Verbal Contract means, let alone know what it means, and when I called in today, they started lying to me, and saying that there isn't no Verbal Contract with you, XXXX XXXX XXXX ( which is a direct lie, and I told them so, and that I am not going to agree to that Verbal Contract, you haven't even kept nor honor the first Verbal Contract, so why will I make another one with you?
Product: Checking or savings account

As a point of reference today is  XXXX . I recently wrote a  XXXX  $ check for a friends wedding and post dated it  XXXX  because I would not have fund in my account until my employer paid me on that date. However, I woke up with an alert saying that my account was overdrawn by  XXXX  $ ( Inclusive of an  XXXX  $ overdraft fee ). So naturally I looked at my bank statement and saw that my check dated  XXXX  was cashed and is the reason for the overdraft. When my banks support function opened this morning I gave them a call and they said that it does n't matter when you date your check, if the recipient deposits it they will release funds. At that point, it was clear the bank was n't going to do anything so I hung up and came to the CFPB.
Product: Debt collection

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for their continued reporting of inaccurate and unverifiable information on my credit report, specifically related to two accounts from XXXX XXXX. Despite multiple attempts to dispute this information, TransUnion has failed to correct or remove the erroneous accounts, which remain unverifiable. 
Both accounts are being inaccurately reported, and TransUnion has not provided any verifiable evidence to support the continued reporting of these accounts. 
I have made a formal dispute with TransUnion, and they have not resolved the issue within the 30-day window as required by the Fair Credit Reporting Act ( FCRA ). Instead, they removed all payment history which deducted over XXXX points from my FICO score. This failure has resulted in even more damage to my credit report and financial standing. I am requesting that the CFPB intervene and ensure that TransUnion removes both accounts from my credit report immediately. 

I have attached all relevant documentation, including my original dispute letter to TransUnion and a copy of the disputed credit report with inaccuracies circled which were also supplied to TransUnion. 

I would appreciate your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is a complaint against Comerica Bank. The bank rep named XXXX XXXX sent me a letter s that she will be closing my account on XX/XX/2020, due to no reason. Upon numerous requests to explain her reason for closing my account, she did not disclose why she is closing my account. Instead, she was laughing and giggling, she said I am just doing this based on one of the Managers instruction. She would not give me further details. Thus I am unaware of this sudden closure. Comerica bank has horrible reviews on XXXX, etc and XXXX XXXX XXXX. 
Although, Comerica did not share any reason for this account closure, they kept on charging me numerous bank fees which should not be charged to the type of account I had. 
Employees of Comerica also shared their concerns about poor Management and customers not been helped, and Management overloading work, etc. The teller gave me the District managers phone number to call and discuss this. However, I was unsuccessful in reaching him.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is fraudulently reporting an account on my name that does not belong to me. When I previously contacted the company, I was advised that this credit was from my college that I was attending at the time, which I came to find out was not true! This company is reporting this account on my name with an incorrect address and contact information attached. I have never resided at this address. I also would like to see the contact information that this company has on this account, as well as the banking information that they claim to have received payments from. Nothing associated with this account belongs to me and I have also filed a police report with the XXXX Police Department regarding this as well! This account needs to be removed from my name and credit profile/reports immediately, as I am willing to acquire legal aid regarding this as well.
Product: Student loan

In XX/XX/XXXX, I received a direct student loan for the spring semester. My balance was {$3000.00}. On XX/XX/XXXX, I paid the entire balance in full. MOHELA took the money from my checking account and has not credited my account for the payment. The balance still shows {$3000.00}. I have called and emailed multiple times to get them to update my balance and send me a payoff letter. Multiple emails have been sent. They refuse to update my account balance. I have been given multiple excuses, and I was even told I should not have paid the money because I was still in school. 

Every email reply is : " We see that you have recently contacted us, and we are assuming the issue has been resolved. '' The issue is never resolved. I simply need my balance updated and a payoff letter to be sent. It should not take 5 months to do this.
Product: Debt collection

I ask the debt collectors to validate the debt no response back This is a violation of 15 U.S. Code 1681i Removal of inaccurate/ invalidated credit information.Most be deleted
Product: Mortgage

I made Bill pay mortgage payment though my bank, XXXX, to PRMG in the amount of XXXX and it cleared on XX/XX/XXXX for my XXXX payment. I received a collections call two weeks later stating that I had not made my payment. I spoke to a CSR who indicated she found that the payment was put in my escrow account for an unknown reason, and assured me she would correct it, remove the late fee and it wasnt being reported on my credit as late. I made my next payment on XX/XX/XXXX in the same way in the same amount ( my payment due amount is less than XXXX but I pay extra on principal ). Fast forward to about two weeks into XXXX and I began getting collections calls stating that I hadnt made my XXXX payment. I learned that my XX/XX/XXXX payment was never corrected and the XX/XX/XXXX payment was applied to my XXXX payment and not my XXXX payment. I have spoken to 5 seperate people, all have assured me it would be corrected and advised the payment was actually marked as an insurance refund but cant explain why they would mark it as such where it comes from the same place as all my payments for years and in the same amount I pay each time. I have now closed on the sale of that home and the mortgage has been paid off but that {$1000.00} was not applied to my mortgage to get the correct payoff amount, and the money has not been returned. The late fee has not been removed either. Despite multiple calls to prmg I get no resolution or return of money that belongs to me, and continue to get collections calls.
Product: Debt collection

This company ( XXXX ) is representing XXXX XXXX schools and is using multiple collection agencies claiming that I have a bill under my name and I have never attended XXXX XXXX!!! They can not charge for services not given, there are many complaints against XXXX XXXX, this agency and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently tried to remove incorrect information from my credit report, by disputing with XXXX, XXXX and XXXX. There are two closed derogatory accounts on my credit report that do not or did not belong to me. They are Santander Consumer USA and XXXX XXXX XXXX. I am a victim of identity theft going back to the early XXXX and forward to XXXX