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

My credit card ( Chase Visa ) was stolen on XX/XX/2018 out of a locker at my gym. I received an email notification from the company at XXXX XXXX on that date ( XX/XX/18 ) regarding questionable charges, and I immediately called the company to confirm these were fraudulent charges and to cancel the card. I was told by the the company representative that the card would be cancelled, and not to worry about this. I subsequently received correspondence from the company on XX/XX/XXXX and XXXX, that the charges had been removed from my account. 

I did not make these charges, which total {$6000.00}, these were fraudulent. 

I then received a letter from the company on XX/XX/XXXX informing me that I was responsible for the charges. I subsequently filed a police report in the jurisdiction where this theft occurred. I forwarded a copy of the report along with a letter to the credit card company on XX/XX/XXXX, disputing these charges. I have now received a follow up letter from the company simply stating that they have decided that the charges remain my responsibility. They have not provided any evidence for this determination.
Product: Credit card or prepaid card

I have never been in activity on this account or another account not consistent with capital one expectation or customer agreement. I called and ask can I get some type of help cause my payment was impacted by Covid-19 and they closed my account.
Product: Mortgage

New American Funding sent me a Closing Disclosure on XX/XX/XXXX for to refinance my loan. That Closing Disclosure said that I would close on XX/XX/XXXX and disburse on XX/XX/XXXX. As of today, New American Funding is still scrambling and still hasn't scheduled a closing date. I would like to just cancel the loan at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VERY CONCERNED ABOUT TRANSUNION AND I CALL TO YOU. BECAUSE SINCE XX/XX/2021, I HAVE COMMUNICATED BY LETTERS OR CALLS WITH TRANSUNION ABOUT SOME DITCHES THAT ARE NOT MINE. 

TRANSUNION SAYS THAT IF AND WHEN I CALL THESE BANKS OR COMPANIES, WITH MY SOCIAL SECURITY THEY DO NOT FIND MY INFORMATION WITH THEM. 
THESE ARE THE ACCOUNTS : XXXX XXXXXXXXXXXX XXXX ACCOUNT NUMBER XXXX .... 
XXXXXXXX XXXX XXXX  ACCOUNT NUMBER XXXX .... 
XXXX XXXX XXXX  ACCOUNT NUMBER XXXX .... 
XXXX XXXX XXXX ACCOUNT NUMBER XXXX ... 
XXXX XXXX XXXX ACCOUNT NUMBER XXXX .... 
XXXX XXXX XXXX  ACCOUNT NUMBER XXXX .... 
XXXX XXXX XXXX  ACCOUNT NUMBER XXXX .... 
XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX ... 
XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX ....
Product: Checking or savings account

I've been trying to close my 5/3 checking account for several months now. Every time I call, they come up with a different reason why I can't. I've been told, alternately, that I have to close it in person ( I live several XXXX miles away now ) or that I can't close it until the balance is {$0.00}. I finally drew down the balance, and they hit me with a service charge, overdrafted the account, and now I can't close it until I pay off the shortfall. The {$11.00} service charge isn't a lot of money, but the frustration of trying to close an account only to hear one excuse after another is immense. I hope to never do business with 5/3 again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy XX/XX/2022. Purchased my vehicle XX/XX/2022, thru Westlake financial ..information has been reported and is lowering my score that this is a chapter XXXX account in remarks... this account has not been and was never in a chapter XXXX as purchased after the fact ..this information reported also shows car is paid off and it is not
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter in the ail from MCM-Midland Credit Management Inc. account ending in XXXX to collect on an old XXXX debt, Acct-ending in XXXX. I called MCM and told the rep that the debt was not mine and also asked for more information about this debt. The rep told me it was from 2006 and I told him I never had a XXXX account and also that this was an expired time barred debt. Rep told me that it is still collectible. I asked the rep what I needed to do because I never had a XXXX account for credit and also I did n't want him or his company contacting me further due to a debt I never had. He told me he would start dispute and to file police report and submit letter. I told him I would submit letter but this debt is n't mine and he did n't give me any info to file a police report except the year this account was opened no further info to file proper police report. I wrote letter and told company not to contact me further that this debt was n't mine.
Product: Credit reporting or other personal consumer reports

I seek relief from XXXX XXXX XXXX to cease reporting late payments or Charged Off status on my credit profile any to agencies such as XXXX, Experian, and XXXX for XXXX XXXX XXXX Account No. XXXX in the My name XXXX XXXX. Pursuant to 15 U.S. Code 1635-Right of rescission as to transactions, should the credit report reflect late payments or charge-offs, I will have no choice but to report it to the authorities and file a lawsuit for mental distress and damages. The damages I'm not able to qualify
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 - late payment submitted due to login issues. This is the only late payment on this account and I have tried to work with creditor several times to have this removed to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, XXXX / XXXX XXXX has been reporting a charge off on my credit report for years. I have tried countless times to call XXXX and have been unsuccessful.
The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security.
I asked XXXX to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This XXXX account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim.
Would you please assist me in getting this charge off removed from my credit report immediately? XXXX has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me!
Thank you in advance,
Product: Mortgage

When I purchase my home in XXXX in XXXX, GA. I had to pay for Private Mortgage Insurance ( PMI ). My mortgage was with XXXXXXXX XXXX then transferred to Ameris Bank. My mortgage was current and also late at various periods in time. I had repeatedly irequested the removal of PMI from my mortgage. I was told the mortgage has to be current for 24 months for the PMI to be removed. My loan to value on the property had fallen below the required 78 or 80 percent. Once the mortgage was current for 24 months I made another request for the PMI removal. I was then told I had to wait 36 months for the PMI to be removed. I then searched online for the PMI requirements. I discovered that Ameris Bank had been falsely charging me monthly fees for the PMI Insurance for 12-24 months. I submitted the PMI documents and requested a removal of the PMI fee each month and a refund. My requests have been in writing to Ameris Bank. I keep getting different explanations each time I speak with their representatives. I am seeking a refund of {$3100.00} plus for their scam.
Product: Credit reporting or other personal consumer reports

I recently checked my updated personal credit report and I noticed the unauthorized credit inquiries still remain on my personal credit report. I contacted these companies and asked them to remove their credit inquiries from my credit profile. I also previously requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. And your investigation is complete, you find my allegation to be true, please remove these inquiries : EXPERIAN : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America has opened one savings account XXXX XXXX XXXX Banking without my request. I told them but they have not closed the account. Now, I received another email for another application for another savings account. No deposits have been made in the initial one which makes me believe this is something the bank did, but Im not sure the benefit. I just know XXXX XXXX did this to their customers.
Product: Debt collection

I do n't know who they are, they call and when I answer it 's a robot call. I have no payday loan debts.. I 've paid all of mine off
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  do not want to delete my student loans that were rehab originally I have 6 student loan that went into default but I rehab those loans but the original creditor FedLoan reopened 6 more student loans basically converted 6 students loans in 12 student loans when they should be 6 ..I need the 6 that are closed to be delete because they are the same as the open loans. In XX/XX/2019 I made a depute but no results..
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave TransUnion Permission to furnish this information on my consumer report on my behalf. I am demanding TransUnion remove all following information in attached letter from my consumer report. 15 USC 1681 ( b ) Permissible Purpose - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

TransUnion please provide a contract between you and I bearing my wet ink signature to furnish this information onto my consumer report. In absence of such contract remove all items in letter attached.
Product: Credit card or prepaid card

Synchrony Bank is running a scam with their " Card Security '' credit insurance. I filed a claim, it tells me there was an error and the claim couldn't go through. So I go to try again the next day and it says the claim did actually go through, strange. I go to get the documentation that I need and this is where is completely falls apart. There is a place where you can download the benefit form that needs to be completed. THE FORM IS BLANK SO YOU CAN NOT HAVE IT FILLED OUT. I have attached the " form '' they provide for your reference. Right from the start, they are trying to make it so you can not use the benefit. Then I call " customer service ''. These people must have had a script and not enough education to read anything except what was on the script. Questions like, " how long will it take for my claim to be reviewed '' got responses like " oh I don't know, I would have to escalate that and someone will call you IN THREE DAYS ''. Questions like, can I get the form emailed to me get responses like, " Yes, we can email it to you but it will take 24-48 hours and check your spam folder because people often don't get it ''. WHY WOULD IT TAKE TWO DAYS TO GET A FORM? The first woman told me a form was mailed to me. Then the second woman, XXXX who is a " supervisor '' but know absolutely no information about anything, told me she had to request it be mailed. So you don't provide the form online. You don't provide it via email or mail unless you specifically request that, without notification you have to do so, then you can't tell the customers if the benefit form will even be reviewed. She couldn't tell me if it would take 3 days, 6 months or 30 years, for the form to be reviewed, this is how clueless she was. All of this is an elaborate program to ensure that people who have bought the insurance can not use it.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA and 605B ( 15 U.S.C & 1681 c-2 ) that you the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an installment account XXXX  XXXX XXXX opened on XX/XX/2022. This account has resulted in affecting my credit report.
Product: Debt collection

The following company Meridian Financial Sercives,  is acting as the reresentitive for a XXXX  company called XXXX/XXXX and has placed a debt collection notification on two of the 3 American credit reporting agencies.  It is illigal to do so, the company they are representing never provided good nor services for what they are charging. Also, it is outside the United States and does not have my Social security number. There are two accounts showing on the XXXX  and XXXX XXXX  credit reports.  These are the following accounts, indicating initial dates, account, amounts that were never borrowed.  XXXX/XXXX is not an american company and has no jurisdiction in the united states.  It is a XXXX Resort company that cons and deceives travelers promising goods and services that never pan out.


First reported: XX/XX/2019
Amount:$XXXX
Meridian Financial Services
XXXX XXXX XXXX XXXX XXXX
XXXX NC XXXX

First reported: XX/XX/2019
Amount:$XXXX
Meridian Financial Services
XXXX XXXX XXXX XXXX  XXXX
XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit agencies EquifaxXXXX  stated my accounts were properly investigated and verified as accurate for the 3rd time. I contacted the agency to remove the inaccurate information and update my credit report. they responded with the account is verified the inaccuracies still remain causes harm to my livelihood. They have reported payment dates inaccurate showing XXXX  with no 30 or 60 days late. On one account there reporting 3 different payment Example  Ok/30/Ok history on all 3 reporting agencies. I did not give them permission to produce this information. This should be removed because they are violating my rights under the Law

15 U.S Code 1681 - CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE

(a) Accuracy and fairness of credit reporting

15 U.S Code 1681E COMPLIANCE PROCEDURES

(b) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I also have the tracking number to prove they where notified by mail 
XXXX  XXXX XXXX XXXX XXXX XXXX
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX was contacted by letter from Bass & Associates. The letter was address to the Estate of XXXX XXXX. Now prior to this, I had been receiving treating phone call recordings from a debt collector on my cell phone but discarded as scams and blocked them each time from my cell or at times I did call back with no result. Now, once I received this letter I right away called this cooperation. I gave my name only and she confirmed with me that I was alive. I said yes, and wanted to confirm they were talking about me, due the fact that my mother and I have the same name. She stated this is a current debt and its with XXXX XXXX not XXXX XXXX ( my maiden name ). She started to ask me to confirm my social security and that I did not have to. I said, you should have this information. You sent me this letter. I asked her can you please tell me the debt so I confirm this is my debt or not. She said no ... But that she will forward the information to there client that I have not passed. And that they can continue with collection with this debt. That I will here from them. 
I feel as a consumer I have no where to go ... and no one to contact. I receive no collection notices, no bills, and yet this letter comes to my home, stressing my out, and now I have no idea what or who I owe money to. And this Bass & Associates will not tell either. How am I to solve this issue if no one will tell about it. Or contact me in a formal way.. these people are sending a letter of stating I am dead. How will this affect my credit, my future status, I am upset and stressed over this. 
Please Can you help me
Product: Credit card

On XX/XX/XXXX I was going through some records and came across a fraudulent charge on one of my cards dated XX/XX/XXXX. I brought it to the attention of us bank and they told me they would issue me a credit on my card for the full amount of XXXX. After waiting several months with no credit I called back in and they told me that they now were not going to issue me credit because too much time had passed. It is my understanding that I have zero fraud liability and there is no timeframe associated with that. The us bank rep told me it was company policy to deny claims after a certain timeframe.
Product: Checking or savings account

XXXX XXXX 2023, I mailed the XXXXXXXX XXXX  XXXX XXXX XXXX amount XXXX to XXXX, But XXXX notified me not received the check on XXXX, I check Capital One back on line banking ' the check is cashed on XX/XX/2023 Front check pay to the order XXXX, XXXX I download the check imagine front and back and send to XXXX, we found out theres no endorsement on the back of the check, XXXX said they did not receive the payment, Capital One back did not pay to them. So I contact Capital one bank twice, explain the situation, Ask them to give me the prove of the payment to the right payee. They never provide any proof of the payment to the right payee. No responds till now XXXX.
Product: Payday loan, title loan, or personal loan

I initiated a refinance on a loan XX/XX/XXXX. I was approved for {$2600.00} to pay off {$1000.00} balance and to obtain {$1500.00} in my account the following day. On XX/XX/XXXX, the funds were not in my account. I contacted QuickCredit and the representative informed me that I selected the option to receive funds by mail. I informed the representative of my emergent situation and asked if I could change the method of payment to direct deposit. The representative could not change due to the " binding contract ''. However, I was ensured that the funds were mailed on XX/XX/XXXX and that it would take 7 - 10 days to receive. By XX/XX/XXXX, I still hadn't received the check/money order. I call QuickCredit again and explained my situation from the beginning ( as mentioned above ). The representative stated she was going to investigate and track the check/money order and email me back no later than 4 hours. After 4 hours, I did not receive an email but did receive a call regarding a missed payment. When I returned the call, I again explained to the representative my issue and that I will not be making a payment since I have not received the funds. The representative at this point claimed she could see the notes regarding the investigation/tracking of the money order and that it would take 48 hours for a resolution. A few hours later, I received an email from the representative I spoke with earlier that day on XX/XX/XXXX. The email indicated the money order was actually mailed out on XX/XX/XXXX not XX/XX/XXXX. No other explanation provided. In disbelieve and frustration, I called the company again after receiving the email and demanded that I receive the funds via direct deposit. The representative stated that could not be since the check has already been mailed and to allow 7 - 10 days to receive the funds. On XX/XX/XXXX, I called QuickCredit to inform them I have yet to receive the funds in the mail. The representative placed me on hold to investigate and stated the money order was mailed out on XX/XX/XXXX not XX/XX/XXXX and to allow 7 - 10 business days. At this point, I may be getting the runaround and need assistance. The company has marked me with two late payment. So instead of owing XXXX I owe XXXX for funds I haven't received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to read the complaint. After reviewing all credit reports XXXX XXXX placed a collection on the credit report from XXXX. I am requesting not a bill, however a signature to validate and possible contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that i have never paid late but they reported my late 2 months. I always paid online and was given notice that my payment was always paid on time but a couple times i got notice 30 days later that due to a website problem my payment was never received. It was reported as late on my report and effected my score negatively and they won't correct their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. And i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be removed because According to 15 USC 161 : I have the right to privacy and i did nit give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX  Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX Account Name XXXX XXXX Account # XXXX XXXX. 

Account Name XXXX  Account XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account Name XXXX Account # XXXX XXXXXXXX Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX  Account # XXXX XXXXXXXX Account Name Account #