23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a AAA Bank of America credit card in XXXX of 2015 In XXXX I got a call about fraudulent charges from somewhere in XXXX I did all the phone calls filled out all the paper work and I closed the account after several calls it seemed as if they had no clue .I was told fraud dispute was started.I called back when I got my statement and saw nothing was done.I was told it was not started the lady I spoke to said she would start the process in the mean time I was making payments even though I wanted to pay off the entire balance just to be done with this card .I closed the account for my piece of mind. I called back after my XXXX statement seeing as the dispute still was not resolved. I was told by next billing cycle I would be given my true balance that is all I wanted so I can pay it and get rid of this card.I got my statement not only is it not resolved they added back on the fraud disputed amount and charged me a {$25.00} late fee I dont even know when my billing cycle is because they locked my account and I did not get a paper statement.I will go through the ordeal of calling fraud center on Monday. All I want is to pay off this card but my actual charges and not foreign fees or late charges. I have been victimized over and over from this bank. I had this card for XXXX months and all these problems. XXXX XXXX XXXX years no problems. The customer service stinks .I will call XXXX and tell them terminate there association with Bank of America.I hope someone can help me with accurate information the last charge I made was XXXX 2015 give me my balance minus payment what is so hard. XXXX XXXX /Acc # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to Transunion 's recent claim that the court verified the public record they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In compliance with this method of investigation request, please provide the following : 1 ) the description of the procedure used to determine the accuracy and completeness of the information 2 ) Name, address, and telephone number of each person contacted regarding this alleged account.

3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
Product: Mortgage

I just received a XXXX A in the mail from PennyMac loan services. I guess they are saying i abandoned my home which is a lie. I'm currently living in my home with my family. my house has been paid off since XXXX. PennyMac was the servicer never did PennyMac loan me anything nor can they prove it. I've begged them to produce the so-called contract they have failed to provide me with this alleged contract. I don't exactly know what this XXXX a is but it seems like they are saying that they are forgiving some fake debt that doesn't exist and saying i have abandoned my property creating some kind of tax liability on me. first, they never loaned me anything second i am and will remain living in my home. 3rd my house was pained off in XXXX. PennyMac is doing some shady stuff that needs to be immediately investigated. i have an unrebutted affidavit of their fraud and attempted theft and i can and will testify under oath and have first-hand knowledge to the facts of their criminal actions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

After dealing with XXXX XXXX XXXX, who violated the FDCPA by contacting me even though I have active cease and desist. I have received another letter on their behalf from scott and associates and this is causing me a great deal of unwanted stress and XXXX and I am going to take legal action against XXXX XXXX and Scott and Associates if this is not resolved. 

I am writing in response to your recent communication regarding an alleged debt that you claim I owe. I would like to inform you that I do not believe this debt is mine, and I am seeking detailed written verification to substantiate your claim. 

As per the Fair Debt Collection Practices Act ( FDCPA ) under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of the debt in question. It is important to note that I am not questioning the validity of your agency, but rather seeking proof of the debt 's validity and its association with me. 

To proceed with the resolution of this matter, I kindly request that you provide the following information : XXXX. The full amount of the alleged debt, including any interest or fees being claimed. 
XXXX. The name and contact information of the original creditor. 
XXXX. Details of the original creditor 's agreement or contract with myself. 
XXXX. Copies of any documents or statements proving that I am responsible for this debt. 
XXXX. Any other relevant information or documentation that supports your claim. 

I would appreciate receiving the above-mentioned information within 30 days from the date of this letter. If you are unable to provide the requested documentation within this time frame, I kindly ask that you cease all collection efforts and remove any negative reporting from my credit file until the requested information is provided. 

Please note that my request for verification of this debt does not imply any admission of liability. It is essential for me to understand the nature of the debt and its association with my financial history. 

I prefer to communicate in writing to ensure accuracy and to maintain a record of all correspondence regarding this matter. Any future communication regarding this debt should be sent to the address provided above. 

Thank you for your prompt attention to this matter. I trust that you will handle this request in accordance with the FDCPA and provide the necessary documentation to validate the alleged debt. 

This is absolutely absurd and I will take this to the media and the authorities.
Product: Mortgage

I am requesting a full refund of my deposit of {$1900.00}. Before enrolling into this program, I was told that I had to be approved for the program after a review XXXX XXXX records on my home : XXXX XXXX XXXX, XXXX, GA XXXX. I faxed XXXX XXXX my mortgage account information and loan modification denial letter and he informed me that 24 hours was needed for Core Advisory Group to review to see if I would qualify for the program. I informed XXXX that my loan modification denial was due to the LTV ratio on my home is not & gt ; 80 %. On XXXX/XXXX/16 I was informed via email the following information : Your XXXX record has been reviewed by our discovery assessment department for eligibility and you have been approved for enrollment in the LDR government complaint case program. The LDR program opens state and federal complaints with the federal regulatory agencies that govern your mortgage lender. The LDR complaint process forces a fair and transparent negotiation at the executive level with your lender, resulting in reinstatement of your loan with a fixed interest rate and payment you can afford based on your financials today. XXXX informed me that Core Advisory Group did not file the standard load modification paperwork where financials were submitted to the lender but used government complaints to force the lender to modify the mortgage. I discussed the reservations I had about enrolling into the program because I had already been working with a foreclosure prevention company on a loan modification and I had already been denied for that loan modification. In addition, a complaint was already filed with XXXX 's executive management team regarding the denial. The complaint was still in review at that time. XXXX reassured me that your program was different and that since I was approved for the program, I was guaranteed that I would not lose my home and that my mortgage would be modified although he could not guarantee what my new modified mortgage payment would be.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

I was charged double interest. 
I paid last statement in full and also prepaid a portion of the current statement ahead of the closing, still XXXX XXXX charged me interest, XXXX calls routed to XXXX were disconnected, and XXXX call to XXXX still waiting, I am in hold for over 100 minutes .... 

I request a full credit of {$25.00} for interest charges that it should not have been, their explanation is that the go back two month.
Product: Checking or savings account

Chime Bank took about {$7000.00} from my account with no explanation. Ive tried everyone and everything. Ive submitted countless complaints to FDIC, Chime & Other companies who claimed to help or would have a solution and some never emailed or called me back. So Im left with more questions than answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems has not removed reports that contain fraudulent information, even though the information has been disputed with the financial institutions themselves. ChexSystems and the financial institutions knowingly reported fraudulent information during the period when I was still a minor. The report includes the following : XXXX XXXXXXXX XXXX  ; ACCOUNT ABUSE Date of Closure : XX/XX/2017 RTN/ACCT # : XXXX XXXX XXXX ; OVERDRAFTS Date of Closure : XX/XX/2017 RTN/ACCT # : XXXX Both accounts were closed when I was only the age of XXXX ( XXXX ), upon collecting further information from these financial institutions the required legal age to open these accounts is XXXX, as I was only XXXX these accounts are a result of fraudulent activity, and Chexsystems did not follow procedure and federal guidelines when reporting information. 

I requested this information be removed due to fraud and ongoing investigations, Chexsystems has yet to respond to questions.
Product: Student loan

Dear United States Department of Education, I am writing this letter to dispute the validity of the account and of thereby of the said debt regarding reference # XXXX. I never knowingly signed any document in order to take out the foresaid loan and wish to have this cleared from my name. If any loan was taken out in my name, it is fraudulent and I didnt give permission for this to take place. I should not be responsible to repay this debt or any interest or fees or any collection costs that has come about due to the fact that this is fraudulent activity using my name! I am requesting information of how to dispute this fraudulent deed. Thank you in advance for your time. I can be reached by email at XXXX or at XXXX XXXX. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXXXXXX XXXX XXXX that has no credit history. After applying for XXXX  loans, it was discovered there were some items I'm not familiar with on my credit. I reached out to the companies they were very rude and unhelpful. I reached out with my financial aid XXXX next to me. Followed all steps they provided. The fraudulent accounts are still on my credit report. I can't afford to have a credit card or any equipment they say I have because I'm a XXXX  XXXXXXXX XXXX XXXX XXXX The accounts were open fraudulently.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an accounts currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in Englehardt v. Gravens ( Mo ) 281 SW 715, 719, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received my Equifax credit report on XX/XX/XXXX and I noticed some accounts on my credit report are in fact inaccurate and incomplete. Which is a clear violation of USC 1681e ( b ) They also violated 15 USC 1681s-2 ( a ) % ( b ), 15 USC 168i ( 5 ) ( A ) ( i ) & ( ii ). I believe honestly that they are doing this on PURPOSE. According to 15 USC 1681e ( 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. They must be blind because XXXX XXXX can see that everything is inconsistent. How can One data furnisher or one source of information. That's coming from ONLY one business, report 3 different information. I have attached supporting documentations to support my complaint. That will prove that in the month of XX/XX/XXXX. This account was Not late nor did it indicate any late delinquency.
Product: Debt collection

XX/XX/XXXX Persolve legal group counsel stated that I was not entitled to documents ( to verify debt and determine if the take it or leave it offer made was truly fair and reasonable ) XX/XX/XXXX Persolve legal group collections manager makes a take it or leave it offer ; in the condition that state bar complaint be withdrawn XX/XX/XXXX Sent Amended Notice to Produce ; to date Persolve legal group has failed to comply. 
multiple good faith efforts have been made, to date the only attempt Persolve legal group has made to resolve this matter is a take it or leave it offer. 

I am asking for your help to resolve this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reported with late payments and I never had these. The information is incorrect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX LATE PAYMENTS Part XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to or ; THE LAW CLEARLY STATES : Transactions between the consumer ( XXXX ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s transactions experiences between the consumer and the person making the report A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

[ XXXX XXXX XXXX XXXX XXXX Account # XXXX ] Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Prepaid card

I have dealt with this company many times as my father in law repeatedly buys us gift cards for our children for XXXX. This company is awful to work with. They will at random pick and choose cards to hold. This has happened to me numerous times and I fully believe its to steal the funds. Today I had XXXX {$25.00} gift cards to use at XXXX XXXX with my children. XXXX were approved. We go to use the last one for my sons XXXX list. Its declined 3 times. We call and are told the card was suspiciously compromised and they have to cancel the card and mail a new one. They have done this to me numerous times. Usually they will finally relinquish and say they can override the card and release it. This time they insist they have to mail a new one. This is over {$25.00} dollars. They dont even have my address or any ability to mail me a card so they have simply stolen the {$25.00} dollars. Someone needs to do something about this company.
Product: Credit reporting or other personal consumer reports

What I imagine about credit bureaus reporting under people 's names, there's something more that I didn't think about, a lot of things that you really don't know are put on people 's credit reports, even though I'm a legal information theft report, I gave my US ID to verify my identity, they don't want to report my correct name and my address which is correct with me, that's very strange I'm surprised to see that they instead report a lot of false information, give me more than XXXX names, while I have only one account on my credit report, that's crazy, I can't understand that my credit report is different from my identity.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for a refinance of personal loan over the phone. I later received an email saying I was approved for the loan. It included the details of the loan terms, interest rate and payment amount. At that time, based on the details, I decided not to go forward with the loan because the interest rate was higher than I was already paying. I notified Navy Federal credit Union that I did not want the loan. The representative said she would cancel the loan. Later that day, I received another email from Navy Federal Credit Union saying I was not approved for the loan. 
I feel that this was in retaliation because I did not accept the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/XXXX XXXX XXXX