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

On XXXX different occasions I am paying my bill in what I believe is in full. I am then being charged interest. The first time is on XX/XX/XXXX when I paid {$7700.00} but was charged interest of {$83.00}. The next XX/XX/2019 when I paid {$1900.00}. My bill was due on the XXXX. I was charged XXXX in interest. My intent when logging into Citi.com was to pay my bill in full. I then logged in XX/XX/XXXX, to pay the balance only to find another interest charge of {$13.00}. I can't tell what this is for.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX  XXXX XXXX Reference number : XXXX
Product: Credit card or prepaid card

USAA is not providing a way for consumers to close their credit card accounts. I tried unsuccessfully via their app, website, chat, secured message and via phone at XXXX. Even after calling on the phone, the phone representative told me she could not cancel the account and the team that could was unavailable. She would not provide me a direct number to that account.
Product: Credit card or prepaid card

i see below charges on my account. some of them were fraud. I reported those and amex paid me back. But i see one charge that was paid back. what was that? could amex provide me exact transaction and order number for that XXXX order? 

also they should explain - why they dont have any way to submit email complaints? dont they value our time and expect us to call them? Other banks allow private messages but amex doesnt. 

XXXX2019 XXXX SHOP WITH POINTS CREDIT - {$35.00} XXXX SHOP WITH POINTS CREDIT XXXX2019 XXXX SHOP WITH POINTS CREDIT - {$32.00} XXXX SHOP WITH POINTS CREDIT XXXX2019 XXXX SHOP WITH POINTS CREDIT - {$25.00} XXXX - XXXX, WA XXXX2019 XXXX - XXXX, WA - {$0.00} XXXX - XXXX, WA XXXX2019 XXXX - XXXX, WA - {$0.00} XXXX - XXXX, WA XXXX2019 XXXX - XXXX, WA {$35.00} XXXX SHOP WITH POINTS XXXX2019 XXXX SHOP WITH POINTS {$25.00} XXXX SHOP WITH POINTS XXXX2019 XXXX SHOP WITH POINTS {$32.00} XXXX SHOP WITH POINTS XXXX2019 XXXX SHOP WITH POINTS {$35.00} AUTOPAY PAYMENT - THANK YOU XXXX2019 AUTOPAY PAYMENT - THANK YOU - {$34.00}
Product: Mortgage

My complaint is against Amerihome Mortgage. I purchased a home last year, within months Amerihome had purchased my mortgage on the secondary market.

Almost immediately Amerihome stated that I had an escrow shortgage, and increased my monthly payment. Very odd since it was a brand new loan. In the explanation from Amerihome I noticed they planned to disburse my property taxes a month early, which was not how the original lender calculated my escrow.

My first call to look into this was nearly 45-minutes, when someone finally answered the person told me that they were severely short staffed, and that they were actually a tech help desk person just helping out for the day. They said they had no idea how to answer my questions and directed me to call back another day. 

I called back another day and made it through another 45-minutes of menus and holding, only to have the call dropped by them. I called back, and after maybe 20-minutes got a person. This person told me that the escrow was what it was, and that there was nothing he could do. He could not explain why it changed, even though it was a new loan.

I accepted this, and let it go.

Several months later I take out another loan on a different property. Once again Amerihome purchased the mortgage on the secondary market. And now three months later theyve raised my escrow again! 

It seems odd that theyve purchased two of my mortgages within a few months, and raised the escrow amount on both properties. 

Are they doing this to other people? It doesnt seem right that they are able to purchase a brand new loan, and then change the terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some major issues on my credit file that need to be reinvestigated asap.

issue 1. XXXX XXXX listed on my XXXX  report has a late Payment from 2017, I was an authorized user on that account over 4 years ago I am not on that account and I am not responsible for the balance of that account Please delete.

2. Second issue I found inquires from various auto loan companies. I have only one Auto Loan with XXXX XXXX XXXX. I have never applied for accounts or loan with the following companies :, XXXX XXXX XXXX XXXX XXXX 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 am hyper sensitive to any movement on my credit file I discover these last month and filed a dispute. This is my 3rd time complaining about this issue.
Product: Debt collection

I did not receive any communication from this company regarding the debt, but they posted a collections account on my credit reports with all three reporting agencies. I do not owe the amount, and have EOB 's from my insurance providers showing that I did not owe the supposed original creditor anything at that point in time. The collections agency has stated that they are unable to substantiate the amount owed with any sort of proof, but is unwilling to remove it from my credit history unless I pay it. Normally, I would just pay for something this small, but I'm furious that they would post derogatory marks on my credit history without ever contacting me in the first place. I would like this collections agency to be investigated for such practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report :
Product: Checking or savings account

A refund from XXXX was processed on XX/XX/year> in the amount of {$470.00}. XXXX, the Citi bank account is closed and the funds were supposed to be transferred back to XXXX from the closed card ending in XXXX. This did not happen and it is now XX/XX/year>. Citibank says they don't have the funds and XXXX says the same. Where are the funds? The reference number that was given to me by XXXX for Citi is XXXX. Please send the money back to XXXX.
Product: Vehicle loan or lease

I am a   XXXX   XXXX     XXXX   recently assigned to   XXXX   XXXX   orders.
<P/>
Harley-Davison Financial Services, subsidy of Harley-Davidson Motorcycle Company, has refused to honor the   XXXX   XXXX   military orders, and keep my account under Servicemembers Civil Relief Act. All other creditors have honored my orders except for this company.
<P/>
They had initially honored the orders back in   XXXX   XXXX   XXXX  , and then terminated my SCRA terms in  XXXX , and are charging me late fees for the past two billing cycles in addition to inflating my interest rate on the loan.
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.

Thank you for your immediate action to this issue.

NAME ( Print name, Never Sign )
Product: Credit card or prepaid card

3 fraudant charges on my US Bank credit card. All posted on XX/XX/XXXX in the amounts of {$99.00}, XXXX, and XXXX. The charges stemmed from a 2 different XXXX gas stations, that we do not even patronize. 

A call was made to US Bank on XX/XX/XXXX to report the fraud. I was told a claim was made and that it would be taken care of. 

After 2 weeks, no communication has been received from the bank regarding the claim. The charges were still posted to my account. I called and spoke to a supervisor, and was told : 1st, that the claim had been researched and denied. Than transferred to a supervior that said she would resolve the issue, making sure the account was credited back for the charges. 

Now 4 weeks later, I called again to see what the problem was with crediting the account. Spoke to another supervisor and was again assured that I was not responsible for any fraud on my account and that he would make sure it did not " fall thru the cracks '' again. 

It has now been a month since the charges were placed on my account and I still have not been credited back for those charges.
Product: Credit reporting or other personal consumer reports

I have been a victim of theft and identity theft. In XXXX, I had my car broken into and my wallet stolen permanently from me. I have both an identity theft report and a police report. On my credit reports, I noticed the credit bureaus have added late payments to my history for my XXXXXXXX XXXX XXXX XXXX one of the many cards that were stolen from me. I also have noticed unauthorized inquiries on my credit report and previous collections which have now been removed. I need the late payment history removed, because it is harming my chances of obtaining a new vehicle or getting a home in my name. Please remove all late payments for my XXXXXXXX XXXX XXXX XXXX  from my credit reporting, because it is not my fault that I had to request a new card over the holidays, which took time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX   XXXX  XXXX  XXXX XXXX  XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company agreed to do a pay for delete, and refused to remove from my credit and a verbal agreement which in the state of Texas by law is a legally binding agreement. They have sent in false documentation to the credit bureaus with no company logo or letter head and address to qualify the company as valid to validate the removal of debt. I was lied to by XXXX XXXX and told that it would be deleted in 72 hours. I was also sent a letter of deletion that a fourth grader couldve made from XXXX XXXX. I was also told by the manager their XXXX that it would be deleted. I was told a manual deletion had been done twice, and it had been reported as deleted three times to the credit bureau. The company is lying to me as a consumer with false statements and they are also in direct violation of the FDCPA. This company needs to be investigated by the Federal Trade Commission immediately. The unjust and unethical practices are against federal law and Texas state law. I will be pursing legal action in small claims for for distress and losses. I will also be suing for the same in Texas state court for violation of the FDCPA
Product: Credit reporting, credit repair services, 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. Account name : XXXX XXXX XXXX account XXXX name : XXXX XXXX Account number XXXX Account XXXX XXXX XXXX XXXX account XXXX name : credit management Account 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 State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a credit card from XXXX XXXX on XX/XX/17. The new credit card came with a notice stating that I was entitled " Under federal law ... the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact : Transunion. '' It gave three options for contacting Transunion, including " On the web : Visit www.transunion.com ''. I proceeded immediately to the website to get a copy of my credit report. It asked for some details and I proceeded, never giving any indication that this was a subscription product or that I would be charged for this transaction. Transunion billed me {$21.00}. I called Transunion customer service immediately upon discovering the charge and informed the Customer Service Representative that I was trying to obtain a copy of my credit report, as indicated on the notice from XXXX XXXX, without charge under federal law. She stated that no such option existed on Transunion.com, and that I needed to go to XXXX. I reiterated again that the notice from XXXX XXXX said to go to www.transunion.com. I ensured the subscription was cancelled. 

I then called XXXX XXXX, as the CSR from Transunion was rude and unhelpful. The XXXX for XXXX XXXX politely advised that there were no options for me to pursue with XXXX XXXX until the charge posts fully to the account. As of now, it is still a pending charge. 

Clearly, between XXXX XXXX 's notice and Transunion 's apparent attempt to fraud customers into buying a subscription for those looking to obtain the credit report they are legally entitled to receive free of charge, there is a lack of fairness and transparency on behalf of one or  both companies. Please assist, CFPB.
Product: Checking or savings account

I received my refund advance in my XXXX money account ( XX/XX/24 ) and on XX/XX/XXXX they froze my account after i used my advance. An entire month later my remaining tax refund was deposited into that account- which is still frozen and I can not even access my money. I have called, emailed, wrote them on social media platforms and also have already supplied them with all the documents they requested to verify my identity and they have yet to unlock my account so I can get my money. At this point I am beyond frustrated and would just like my account unlocked and my account closed!
Product: Debt collection

The last payment was in XXXX  of 2014 According to Michigan law, your creditor has up to 6 years ( from the date of your last payment ) to collect on a debt. I have let the borrower Westlake financial know that I was aware of this several times yet there still willful not compliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XX/XX/XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am writing in regards to complaint on inquires : Certified credit rep dated XXXX, XXXX XXXX XXXX date XXXX, XXXX XXXX Financial date XXXX that was Unauthorized not done me. XXXX XXXX XXXX Account XXXX This account is reporting as a negative account and is hurting my credit score. According F.C.R.A section it is illegal to report information on my credit report without my permission. Please remove from my credit report immediately. XXXX XXXX XXXX account XXXX This account reports multiple late payments and XXXXw 15. u.s code 6802 and it states that no financial institution can share a nonpublic information with a third party entity. These items are hurting my credit score please immediately remove items.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFBPs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of unaccountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has placed 5 accounts with different balances with account numbers XXXX, XXXX, XXXX, XXXX & XXXX. I never gave them any permission to open 5 accounts under my name. These accounts are duplicates and are fraudulent. They also reported them to my credit showing XX/XX/XXXXXXXX dollars in debt. I was on vacation at this resort, but I did not engage in opening 5 accounts with them. The salesperson gave me some free gifts and told me to think about it. Later that day I told him I do not want any membership or credit accounts. I later found out that the representative opened 5 accounts under my name. I called the company to dispute the accounts which they said where under investigation. I also checked and called the salesperson to find out he was fired. The company told me they can help reduce the monthly fees but will not cancel. This is fraud. I did not open these accounts, and under these conditions I have been scammed. This company needs to be investigated and prosecuted for scamming people. I've also requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Ive had no responses. Ive sent out requests to Experian as well into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Debt collection

This is a debt collection that I do not owe and do not understand why this is my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

At present Navient shows that I have ( 2 ) closed loans, dated XX/XX/XXXX, that are in a " Derogatory '' status, which is directly affecting my credit score and ability to secure loans, rent a house, etc..and has been for 15 years. The ( 2 ) loans affiliated with Navient were transfered/sold to XXXX in XX/XX/XXXX, and have been, and are in " good '' standing. The reference to the ( 2 ) Navient loans in XXXX, XXXX and XXXX are over " 15 '' years old and incorrectly showing a " Derogatory '' status. I have requested Navient to update and/or remove this information all together, in writting as requested on numerous occasions. Providing all the neccesary references and IDs. I have even sent ( 2 ) sets of certified letters to Navient asking the same, and have received no responses. Navient is affecting every aspect of my life by misleading credit lendors that I have a derogetory loan with them, when I do not. This has affected 15 years of my life, and needs to be updated now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On My XXXX  credit report by the name of XXXX XXXX XXXX XXXX i had some unauthorized inquiries in my credit report and i want them to be removed please. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On My XXXX  other inquiries were reported XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ON my XXXX  credit report XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX Capitol one XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX