23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report due to unauthorized activity stemming from a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to request the removal of these accounts from my credit file. 
Accounts to Block and Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Called experian about a dispute that was open unbeknownst to me. XXXX became angry and sat on the phone for XXXX plus minutes after running me in circles. I'm currently on the phone and will end the call at XXXX edt if I'm not disconnected by agent. Who I requested to contact creditor and request for them to update my account details balance and payment history
Product: Credit card

While on board a US Airways flight on XXXX/XXXX/XXXX, I received an offer from US Airways representatives on board the flight for a MasterCard. They provided me with the attached flyer that describes the benefits of the card and stated that we would receive these valuable benefits if we applied for the card while on board the flight. My wife and I each applied for separate cards during the flight and tendered the applications to the US Airways representatives. We each received separate cards in XXXX XXXX ( The annual fee of {$89.00} was billed on my account on XXXX/XXXX/XXXX and on my wife 's card on XXXX/XXXX/XXXX. The attached flyer provided by the airline references benefits of the card that include : - {$99.00} companion certificate. The application states '' Every year you will receive a companion certificate that allows up to XXXX guest to travel for {$99.00} each, plus taxes and fees ... '' - Complimentary US Airways Club day pass -First Class Check in and Zone XXXX boarding. 
-first checked bag free for me and up to XXXX travel companions I received the companion certificates and other described benefits for my first card year, commencing XXXX/XXXX/XXXX, as did my wife. According to the brochure, we are to receive the companion certificates on the anniversary date for each card. I was charged another annual fee of {$89.00} on XXXX/XXXX/XXXX. I contacted US Airways BarclayCard tody to request my companion certificates and other benefits for XX/XX/XXXX and I was informed that they have changed the program and these benefits are no longer available. I received no notice that the benefits were changing prior to being charged the annual fee. This is a classic bait and switch scam.The value of ( XXXX ) companion tickets in the US can be as much as {$1000.00} per ticket or more, depending on dates of travel. I request that US Airways honor the benefits that we were promised to my wife and I for our respective credit card accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SIX INQUIRYS ON MY CREDIT REPORT THAT AN UNKNOWN COMPANY DENIED APPLICATION ON ME I DID NOT SUBMIT I HAVE NOT ASK FOR ANY CREDIT IN TEN YEARS I DON'T NEED ANYMORE CREDIT I HAVE PUT A FREEZE ON MY CREDIT REPORTS ; BUT I KEEP GETTING COMPANIES LYING AND USING MY EXCELLENT CREDIT IDENTITY WITHOUT MY AUTHORIZE CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 states : I have right to privacy. 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing instructions. XXXX XXXX  account # XXXX 15 USC 1681b paragraph ( c ) states : the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. please view attachment. The attachment i have uploaded is a print out of my XXXX XXXX account and i have circled the information that is clearly unauthorized and inaccurate. i did not received a loan from this agency. Also under 15 USC 1681b where it states : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago : - XXXX XXXX XXXX XXXX = {$2100.00} - XXXX XXXX XXXX XXXX = ( Closed ) - XXXX XXXX XXXX XXXX ( Closed ) - XXXX XXXX XXXX = {$130.00} I also have some hard inquiries on my credit report that I did not authorize as well : XX/XX/18 - XXXX XXXX XXXX XX/XX/18 - XXXX XX/XX/18 - XXXX XXXX XXXX XX/XX/18 - XXXX XXXX XXXX I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck. They just want me to pay them.
Product: Checking or savings account

I opened an checking account with bank TCF bank on date XX/XX/2021 with account balance of {$500.00}. 
In XX/XX/2021 we have deposited {$3700.00} into the checking account. There was no activity on the account transactions. 
We came to know this bank is acquired by new bank with name Huntington in XX/XX/2021. We were supposed to get a debit card from Huntington Bank with the available previous balance of {$4200.00}. 
Now we are being told that an amount of {$4200.00} on XXXX. We did not with withdraw any amount in any fashion of online or offline transaction. Still we are waiting for the account and debit card details from the new bank ( Huntington ) checking account. 

We have reached out to TCF bank representatives and were told that the balance in the checking account was {$0.00} and were not able to transfer the account to the new bank Huntington. 

We want to dispute this transaction of withdrawal of {$4200.00} on XX/XX/2021 and want this checking account ending with XXXX to be transferred to new bank Huntington with available balance of {$4200.00}. 

Now after promised 2 weeks of providing us with a right information regarding the transaction by TCF bank, they have failed to provide any information or any kind of help on the basis of customer/consumer satisfaction. I would like to take this to legal incase of any delay or help provided by TCF and Huntington Banks is not satisfactory as per the United States of America consumer law. 


With Regards, XXXX XXXX.
Product: Debt collection

On or around XX/XX/2019 I noticed this debt had been placed on my credit report. I've since contacted the original creditor ( XXXX XXXX, to verify this debt as required, requesting the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor A breakdown of the total amount due, showing principal, interest, and other charges ; and for all other charges, the date of and the basis for each charge. 

I have not received any of this information, in turn, I disputed this charge because I do not recognize this debt and I do not owe any money to this creditor. Furthermore, this debt was sold to a collections agency without my knowledge of this debt. I monitor my report monthly and I have been a responsible consumer and this is an unfamiliar debt. If it were indeed valid it would have been paid. I am requesting that this debt be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Based on the TransUnion website description, I could get the free report of my credit score. Then I signed for it. But I don't remember if when I signed for the credit report, I signed an agreement for a credit monitoring service for XXXX a month. If I did, TransUnion must have hide it somewhere so that people won't notice that as they never sent me the bill/receipt/invoice. Nor does this information show on my monthly credit monitoring report. 

2. After that, I received the monthly credit monitoring report. I never realised it was charging me XXXX as the report showed nothing about the fee and they never sent the bill. TransUnion charged me for XXXX USD every month for credit monitoring from XX/XX/XXXX to XX/XX/XXXX. I thought the XXXX was some insurance fee and didn't realise it was for the credit monitoring service. 

3. After a few months, TransUnion secretly changed the fee to XXXX USD per month until I found out, starting from XX/XX/XXXX to XX/XX/XXXX. Again I never received notification or a bill or receipt or invoice for the change during the period. 

4. At first, I don't know how to cancel the service. Finally, with much effort, I found a website telling me how to remove the service from their list. The cancellation is almost like breaking a secret code. It is very time-consuming and complicated. I am sure many senior people, like my parents, could not fix that. 

5. I just knew that I could file a complaint here. And I believe many other people will fall in the same trap as I did. I hope my experience will help them. 

6. It is NOT a decent way to run business. TransUnion should feel shame about themselves. 

Thanks.
Product: Checking or savings account

Deposited a paycheck via ATM on XX/XX/XXXX and a ten day hold was placed with no reason given, attempted to clear the hold over the phone and in store but they were unable to resolve the issue
Product: Money transfer, virtual currency, or money service

I went to Wells Fargo Bank to wire my mortgage payment and gave the teller all the correct information, but the teller instead of sending my money to my mortgage company she deposited into a Well Fargo Bank account that has the same account number as my mortgage company. Went back to Wells Fargo and explained that my money wasn't received by my mortgage company and Well Fargo tells me that the money was deposited into one of there account and that there was no way to retrieve my money and that if I wanted it back i would have to sue Wells Fargo. It was {$2500.00} and they say that they can't get in touch with their account holder nor will they give me the information of the account holder per the privacy act. This is just another example of how corrupt of a bank that Wells Fargo is. I've been fighting this with them over a year to no avail. Please help. I found out that they can retrieve my money back but won't. I even spoke with a executive at Wells Fargo Executive office and they told me the same thing.
Product: Debt collection

This company is in violation for the false, deceptive, and misleading representation of the character, amount, and legal status of this alleged debt. The negotiable instrument that I originally signed served as a consumer credit contract and was used as a promissory note to pay this alleged debt according to 16 CFR Part 433. I am legally entitled to assert my rights as debtor.
Product: Student loan

I attended XXXX XXXX  from XXXX and took out private student loans with XXXX XXXX , and those loans were transferred to Navient in late 2014. I made payments on these loans from the time of my graduation until they were paid off in XXXX. XXXX has been acknowledged by the Department of Education as having engaged in misconduct in recruiting prospective students by claiming higher than actual job placement rates for graduates. I was one of the students that was led to apply in part due to these job placement rates, and I graduated from XXXX in XXXX. I experienced first-hand the lack of jobs available after my graduation and felt taken advantage of by the University. 

I am a class member of the XXXX vs. XXXX lawsuit where the Department of Education has settled with the class offering federal loan forgiveness and refunds of payments made. That process is ongoing. 

I have recently been made aware of a pilot program for school misconduct discharge for private loans by Navient. This program would not only discharge any private loan balance from a school that has engaged in misconduct, but also refund any payments made to Navient on these loans. I called Navient to inquire about this program, and was told that since my loans are at a zero balance, this was not something I was eligible for. 

Given that I attended a school that has been acknowledged by the government to have engaged in misconduct, I should not be penalized or excluded from this program due to having done the right thing and paid off my loans. I should still be eligible for an application, and I believe, a full refund of payments made on these loans. I humbly request that Navient be compelled to provide me with an application for this program. Thank you. 

The attachments to this complaint include the XXXX  XXXX XXXX settlement agreement where XXXX XXXX is listed in Exhibit C as having engaged in misconduct worthy of having my federal loans forgiven and refunded, as well as an email I received from the Department of Education documenting my status as a certified class member entitled for relief as defined by the settlement agreement.
Product: Checking or savings account

XX/XX/2021 I received an email from my account on coinbase telling me there was two withdrawals from one of my crypto coins that took money away from me and the email stated they have collected funds from a failed transfer but the email did not specify when or how much this transfer was for. 
Received another email at the same time from coinbase saying there was suspicious activity on my card and they have to increase the holding time of my funds being able to get back to me. 
Received another email from coinbase also at the same time stating they have to remove my card from coinbase due that type of card no longer being supported. 

I am now unable to buy or sell on coinbase, I can not add any new cards and I can not get to the money I have still in my account. The money has been there for weeks and it says I can only take out a small percentage due to the rest pending.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my consumer credit report and I noticed some inquiries that I have no knowledge of I filed a ftc report and now I ask that these unauthorized inquiries be removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

A 5 year old account ( with XXXX, which was removed from my credit file a year ago ) is now being reported on my credit report by Debt Recovery Solutions. I 've never received any information from this CA relating to this debt. The information they are reporting is inaccurate ( dates ). They are reporting the account was opened in XXXX. The original XXXX account was closed in XXXX XXXX and a refund for final payment over-payment was received from the original creditor ( XXXX ), yet 6 months later, XXXX began reporting on my credit reports that I owed them {$260.00}. I refused to pay it, as initially stated, the account was closed with a slight over-payment and I was refunded. Sometime in XXXX the original reporting was removed from my credit file. XXXX XXXX, XXXX Debt Recovery Solutions appears on my credit file as a collection account on behalf of XXXX. DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Did not contact me regarding this debt, including offering me the right to dispute the debt before reporting to the credit agency ( ies ).
Product: Consumer Loan

On XXXX XXXX a check was written to Toyota motor company for payment. The bank was unable to read the check correctly and paid Toyota XXXX instead of the XXXX. We got a letter that said we were late and called and paid the balance. There then was another letter saying the XXXX had not been paid again ... They said payment did not go through. We again paid the balance. This is showing on my credit report that I have XXXX late payments to toyota on my credit. I attempted to resolve this with Toyota and they refuse to take it off my credit. They also reported this during a bankrupsy period which I did not think they could report. In any case this was all over the bank miss reading the check. Please help to get this off my credit report. thanks
Product: Checking or savings account

Everything is about the abusive and unfair practices from bank institutions. I have an account with Regions  XXXX , on Monday  XXXX  were claim to them to transaction s one fro m  XXXX  for {$30.00} another from  XXXX  for also {$30.00} the account was with a balance of {$160.00} they posted both transaction on Tuesday and took the money from my account making the {$60.00} unable and keeping the transaction posted but not clear. On Tuesday at  XXXX   XXXX  in the revolving process between banks, a check for {$310.00} came and the account was with only {$100.00}. Due to the short they have the right to charge an overdraft fee which I consider fair {$36.00} but what it is a theft is  two extra  overdraft fees a total of {$100.00} dollars for the transaction which they kept unclear but already made the debit from the fund which were there on Monday  XXXX  when the claim from  XXXX  and  XXXX  came. I want my {$72.00} Dollars back from the {$100.00} They charged to me on Wednesday.    XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of XXXX XXXX account number XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late p

ayments. Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate
or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my Mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

None of my accounts wit equifax are correct, they either show past due balances or incorrect balances.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am in the military traveling trying to get a situation taken care of as fast as possible. I paid off my lien to this vehicle in 2016 with a company called Gateway One Lending & Finance. They were acquired earlier this year by your company who has advised me because this loan is so old, you do not have my account or records. 
On XX/XX/2016 Gateway One Lending & Finance provided me with the enclosed letter stating I had met my financial obligation and paid off the loan. They also included a copy of the contract stamped paid. I have included a copy of this as well for reference.

I traded this car in recently and they are in need of the title. I have been activated for hurricane response and this is creating some significant issues. I am asking that someone please assist me with my situation, provide me with a release of lien so I can get this released with the state of IL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

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

I am a long time Citibank customer. Citi recently released a new promotion where you can receive a {$1500.00} bonus if you deposit {$200000.00} into a checking account in their Citi Priority or Gold premier banking accounts. I was told by Citi customer support that I would be eligible for the offer, but I needed to open a second Citi profile and deposit {$200000.00} or more in New to Citi funds into a checking account. This was annoying but I did it. I was just told by the Citi banker that I am not eligible for the bonus despite fulfilling the terms because I have another Citi profile. I can file a complaint or some nonsense with Citi. Please help me get the bonus that Citi promised me.
Product: Payday loan, title loan, or personal loan

I got a personal loan from OneMain FInancial. I made a payment and then I had a personal family crisis arise which created financial hardship and inability to make the payments. OneMain calls me twice a day every day at work. I requested at least three times via email to stop the harassing calls at work but they keep calling.
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...

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed a hard inquiry for a company I never applied to XXXX XX/XX/202XXXX XXXX