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

My XXXX Bank credit card is charging foreign transaction fees on transactions done in USD. 

When I called and asked about the fees, they could not tell me the currency used to convert to USD or any other information about the foreign transaction fee. 

My call was escalated to XXXX at US Bank. She informed me that the transactions were submitted in USD but I was charged a 2 % foreign transaction fee because the bank is a foreign bank. 

They told me it was calculated by XXXX and not US Bank. 

The fees total more than {$15.00} so far.
Product: Debt collection

Received debt collection notice from IC System for XXXX XXXX for {$83.00}. This is not my bill I have n't had XXXX for probably 20 years or close to it. Called IC System and they said this is due to be reported on my credit XXXX XXXX. I can call back in 30 days to check on dispute. I want this resolved immediately. I have good credit and this is not my bill. Account # XXXX and IC System reference # XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting.

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 16921 XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX  Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I would like to let you know that for some reason my JPMorgan Chase Bank ( https : //www.chase.com ) Slate XXXX  credit score graph ( few months record ) was lost as of XX/XX/2016 or sometime earlier. Please see following message from JPMorgan Chase Bank representative XXXX XXXX ( Chase Card Services ) on XX/XX/2016 from JPMorgan Chase Bank secure message center : I would like to share that graph tracks XXXX  Score each month, starting with first month customer enrolls into Chase Slate Credit Dashboard. Graph history will be lost if you unenrolls from XXXX scores. Also, please see following message from JPMorgan Chase Bank representative XXXX XXXX ( Chase Card Services ) on  XX/XX/2016 from JPMorgan Chase Bank secure message center : Let me share that we have replied to you on XX/XX/2016 at XXXX XXXX  EST. As per you earlier email, we have shared that graph tracks the XXXX  Score each month, starting with first month customer enrolls into Chase Slate Credit Dashboard. Graph history will be lost if you unenrolls from XXXX  scores. Would you know why I had to enroll on XX/XX/2016 in to JPMorgan Chase Bank Slate XXXX credit score option for second time in order to see my JPMorgan Chase Bank Slate XXXX credit score? I  remember enrolling in to JPMorgan Chase Bank Slate XXXX credit score option account ending XXXX shortly after I opened my credit card account with JPMorgan Chase Bank Slate account ending XXXX. Originally, I was able to see my XXXX credit progress graph on my JPMorgan Chase Bank Slate account for few months. However, when I enrolled XX/XX/2016 for second time JPMorgan Chase Bank Slate XXXX credit progress graph disappeared and it showed only JPMorgan Chase Bank Slate XXXX credit score for one month, which was XX/XX/2016. As of XX/XX/2016 my credit score according to JPMorgan Chase Bank Slate XXXX score was XXXX. I do not recall that I would ever have cancelled JPMorgan Chase Bank Slate XXXX credit score option in the past. My internet service provider XXXX account number was XXXX. Attached please see 12 documents. Please let me know if you have any questions. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for credit cards on my behalf, leaving hard inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

I am writing to request credit inquiry that were unauthorized be removed from my credit report. Description of Disputes inquires : I never Authorized theses : I Demand written verification and documentation that the inquiries actually took place! Proof of my permission for them to pull my credit. 
You can't verify all of the details, inquiries need to be removed. Validation I am requesting that you remove this information from my credit report. Thank you for your help in this matter. 
This is a request to remove the following inquiry that were made without my expressed permission. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX Report number : XXXX FTC These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. 
Under the FCRA, the burden of proof lies on XXXX you are the one allowing fraudulent information to report on my credit report. 
This letter was fax to your office. Every-time I call you guys give me the run around. HOW DID YOU Verify? Please send me a description of the procedures used in your investigation. 

Thank you for following the ethical standards set by the FCRA and removing these inquiries. Thank you for your assistance in this matter, Thank you for your timely attention to this matter. I can be reached at XXXX ( XXXX ) XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to XXXX XXXX with account number XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Product: Debt collection

I noticed in my credit scores that they dropped and It appears a collection with amsher collection so I called them and told me I had a debt of XXXX dlls with XXXX XXXX XXXX a company I don't even know, for tv or internet services, when the only services I have at home are direct tv and XXXX XXXX XXXX and I don't have any debt with them. So they are affecting my scores unfairly, and I haven't had any communication from any company before affecting my scores.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Product: Debt collection

The amount of said debt is XXXX, however, several calls and formal letters were submitted back in XXXX, with no following letter and/or correspondences for the dispute. I have no other information, other than the information which is listed on my credit report. I have asked several times for proof of said debt or removal off credit report. National Credit Systems , Inc . XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

My account was closed without my authorization. I wasnt notified about this so I called synchrony bank to ask what happened and I was treated very unjust by the rep that took my call on XXXX XXXX I asked to speak to an account manager but the account manager would not cooperate in helping me and they hung up in my face. Horrible customer service experience plus the account manager that I spoke to hung up on me and I was unable to give any feedback back to their voice of the customer so no one else would have to be treated this way. They closed my account because they received an inaccurate credit report. Because of this my credit has severely dropped. I need my account reopen so I can restore my buying power. Those agent that I spoke to were very unprofessional with me and they need to become aware of their actions. I need an apology at minimum. I need my credit reopened, Ive lost my buying power and I need it. My account was closed because of an inaccurate credit report I have no delinquent payment in my credit history. Ive had this account since XXXX had XXXX line of credit now its gone like if someone stole from me. As a consumer its unfair treatment, its unjust for this to happen to and it need to stop
Product: Mortgage

When we got modification in 2015, during process I lost my job, but my small income was included to modification process. After we received modification, I told SPS that I lost my job and considered to recalculate our payment, but agent told me to either take SPS offer or sell home. We wanted to save our house, and we had tried to pay mortgage every month. 
Our mortgage got behind again about 2~3 months payments this year, and currently I still do not have job because I need to take care of XXXX children, it is not easy for XXXX and woman who is getting old to find a job. My husband has XXXX XXXX on his XXXX and limited mobility, but trying to pay mortgage. So SPS suggested to apply modification again, and I submitted all of documents around XXXX and XXXX and waited for response. SPS kept calling and left agent 's name and phone number almost every day, but they did not leave any detail. I called SPS to find out the result, but when I called in XXXX, they told me that they did not receive some documents which I submitted through email, and bank statements were old which was current when I submitted in XXXX. SPS never give me any update of modification and I only received every day phone call. I was told from a lawyer I found on some website, and he told me that SPS will never work with you to modify our mortgage. I was terrified. I want to keep our house and I don't know what to do with our limited income. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters over the last 60 days and have not got a response to any of my disputes letters from each of the credit bureaus. Per FCRA they have 30 days to respond to disputes and did not respond at all as you can see the laws here : According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as posible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a certified letter to Trans union requesting Trans union provide me with name of company or persons information that they verified with to determined the validity of there investigation. FCRA 15 U.S. Code 1681g - Disclosures to consumers. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. Trans union are in violation under this section. This inaccurate information needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

Was told XX/XX/year> that there was a security freeze on my Equifax report. Called Equifax and they said there is mo freeze and that my account looks fine and that there should be no reason that anyone could not access my report. I even confirmed the addresses per their recommendations. My mortgage lender still can not access my Equifax report and Equifax said there is nothing they can do.
Product: Debt collection

I have received several communications by mail from Navy Federal Credit Union, none of which state that they are attempting to collect a debt and have used symbols on envelopes and its contents, which is a violation of 15 USC 1692f ( 8 ). Navy Federal Credit Union is also in violation of 15 USC 1692d ( 1 ), they have reported information to the consumer bureaus that has done harm to my reputation. On XX/XX/2021 I mailed Navy Federal Credit Union an affidavit of truth, a cease and desist, an invoice, and exhibits.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}
Product: Debt collection

I have secure credit card open with XXXX  XXXX 2012, the collection agency reporting the amount that I pay to open the secure credit card, I ask for the last few years, both the bank and the collection agency to send me the contract and both said they don't have it
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Checking or savings account

RE : XXXX XXXX XXXX  XXXX XXXX. XX/XX/2023, online CD account application filed. Uploaded my state drivers license front and back of license. 
XXXX. Used my pc camera for facial recognition shots including right, left side of face. 
XXXX. XXXX was denied stating : " we can not provide more information due to privacy and anti-fraud considaerations. ''
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00}
Product: Money transfer, virtual currency, or money service

Purchased XXXX. From coinstar location. Can not log into Coinme wallet account associated with coinstar. Says my email or password is incorrect. It is not. So I went and changed my password, and it says the same thing. will not let me login. Email or password is incorrect. 
If you go to help on the app or the website for Coinme, you can not speak with anybody unless you login. I cant login because their stuff is broken.

I dont know if my account is locked out or something else is going on that may be worse. Theres no way to get help. I just want my money back. Every financial company should have timely response to consumer concerns. In this case, theres no possible way to get a response.

I went through all the steps in the file I attached, and it says if those didnt work to use the email to contact them. except for they dont provide an email.

These companies need to be regulated more than banks. Perhaps even shut down.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute and Request to Block Fraudulent Information Under FCRA Sections 605B and 1681c-2 Dear TransUnion, I am writing to formally dispute the presence of multiple inaccurate and fraudulent items on my credit report. I request the immediate blocking and removal of the following accounts and inquiries under the provisions of Section 605B of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 : Accounts to Be Blocked and Removed Immediately : DPT EDXXXX - Account # : XXXX DPT ED/XXXX - Account # : XXXX DPT EDXXXX - Account # : XXXX XXXX XXXX XXXXXXXX - Account # : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX - Account # : XXXX XXXX XXXXXXXX - Account # : XXXX Inquiries to Be Removed Immediately : XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion Basis for Dispute : Identity Theft and FCRA Section 605B Under Section 605B of the Fair Credit Reporting Act, victims of identity theft are entitled to have fraudulent information resulting from identity theft permanently blocked from their credit reports. To comply with this law, you must remove the accounts and inquiries listed above immediately. 

I am submitting the required documentation to validate my claim : A copy of my government-issued ID ( proof of identity ). 
A copy of my Identity Theft Report, filed with law enforcement or the Federal Trade Commission ( FTC ). 

Impact of Identity Theft and Data Breaches My personal information was exposed in multiple data breaches, including those involving XXXX XXXX XXXX, XXXX, and TransUnion itself. These breaches have resulted in unauthorized accounts and inquiries appearing on my credit report, harming my financial reputation and limiting my ability to secure loans, housing, or employment.

Request for Immediate Action As required under Section 605B, you must block and remove the fraudulent information within four ( 4 ) business days of receiving this dispute and supporting documentation. Please confirm in writing that the accounts and inquiries have been permanently removed. 

Failure to comply with these legal obligations will result in an escalation to the Consumer Financial Protection Bureau ( CFPB ) and additional legal action to enforce my rights under the FCRA. 

Thank you for your immediate attention to this matter. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.