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

Credit acceptance has been abusing credit report. They are not report any payments and constantly reporting me as late
Product: Debt collection

Never received anything about alleged debt through mail. Repeated phone calls and threats to family members regarding alleged debt..
Product: Checking or savings account

I just discovered that in 2020, US Bank charged me 17 overdraft fees, {$36.00} each, totaling {$610.00} dollars. Sometimes they charged me over {$100.00} a day just in overdraft fees. I never approved " overdraft protection '' and am concerned that they tricked me into it during a sales call. I'm a senior citizen and my husband died of XXXX this year. I had lots of calls to try and sort out what to do now, and I'm hoping that they didn't switch it then. I tried to call US Bank and was given the run-around. I asked my son-in-law to help me turn off the fees, and he's trying to help since the company won't.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard.

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1999 Incorrect Employers : XXXX XXXX XXXX, NJ, Listed below are the Accounts that are being challenged XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Payment {$630.00} XXXX XXXX Late Payment {$630.00} XXXX XXXXXXXX Late Payment {$1400.00} XXXX XXXX XXXX XXXX  Late Payment {$1100.00} XXXX XXXX XXXX XXXX Late Payment {$20.00} XXXX XXXXXXXX Late Payment {$120.00} XXXX XXXX XXXX Late Payment {$520.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXXXXXX XXXX XXXX XXXX Late Payment {$95.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX Collection {$2000.00} XXXX XXXXXXXX Collection {$460.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$460.00} XXXX XXXX Original Creditor : XXXX XXXX NJ XXXX Collection {$1500.00} XXXX XXXX XXXXXXXX Charge-off {$1100.00} XXXX XXXXXXXX Charge-off {$2400.00} XXXX XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX XXXX Charge-off {$0.00} Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

We review a variety of criteria in assessing whether to allow you to book a car on XXXX, including your auto insurance score. As part of our ongoing verification process, and as you previously authorized, we requested your auto insurance score from a consumer-reporting agency. Based on our existing criteria, you are not allowed to use XXXX. Your auto insurance score supplied by TransUnion influenced this decision. 


TransUnion Customer Relations XXXX. XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX XXXX TransUnion Auto-insurance ***Record outdated are not falling off. Driving and finance recorded were In-correct and Not up to date.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report ( Account # XXXX ) and noticed it was not accurately being reported. It shows one late payment on ( XX/XX/21 ) which in FACT was paid on time. The reporting agencies are required to report information with complete accuracy. Ive attached a copy of my report of this complaint on the following date ( XX/XX/21 ). Am asking for full investigation with verifiable proof, and records that show I had a late payment on ( XX/XX/21 ). If this information can not be verified I demand the late payment on ( XX/XX/21 ) to be updated to Paid immediately. 

Thank you so much for your understanding and prompt action.
Product: Mortgage

Chase is reporting my Mortgage as 90 Days Late in XXXX 2015 to both XXXX and XXXX. My mortgage was sold to XXXX XXXX on XXXX XXXX, 2015 - see attached Chase goodbye letter. I called Chase and spoke with six different people before getting someone in Escalations. I made my XXXX 2015 payment to XXXX and provided this proof to Chase and Chase continues to report data on my mortgage after the transfer date. The XXXX data was initially removed from the reports then was put back on the reports after I wrote them and stated if this doesnt get resolved I am filing a complaing with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

After speaking with XXXX Bank, new information has come to light on their reflecting late payments to their company. Their claim is that I purchased an XXXX at XXXX in XXXX of 2021. As earlier reported, I gave my son permission to purchase the system via XXXX XXXX. I have found the receipts and the proof that he purchased the system months later using out XXXX XXXX card at XXXX XXXX. XXXX we have a case of identity theft. We did not make this charge, it should be removed from my credit report. Further, I paid the invoice because I wanted to stop the negative information. I would like to be reimbursed for the amount I paid. 

Note also that the purchase was made and picked up in XXXX area. 

I have the receipts, serial numbers, etc of our purchase. 

Please help me resolve this with XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX  XXXX XXXX Balance : {$4300.00} XXXX XXXX  XXXX XXXX XXXX : {$500.00} XXXX XXXX  XXXX XXXX Balance XXXX {$0.00}
Product: Checking or savings account

My XXXX account was hacked and someone was attempting to scam people by selling fake XXXX XXXX tickets under my name. On XXXX XXXX, XXXX, I XXXX  how to report and attempt to regain access to my XXXX account. Once I spoke to them, they gave me instructions to download an app ( XXXX XXXX ). I didn't realize it at the time, but this app allowed them access to my phone. I was instructed to go into my XXXX, XXXX, and Truist bank account and they gave me different instructions to make sure none of these other accounts had been affected by the hackers. During this time, these people instructed me to send and receive different amounts of money through these accounts. I was told no money would be taken from my accounts. Two transactions were made ( {$1400.00} and {$500.00} ) through my XXXX. Once I realized money had actually been taken from my accounts, I reported it. XXXX and XXXX have both reviewed these transactions and have cleared all charges. I immediately placed a call to Truist on XXXX XXXX and the representative put a hold on my checking account. However, 2 transactions had already cleared from my XXXX account equaling the {$2000.00}. I did not authorize these transactions. I have filed a police report for the total amount of all three transactions ( XXXX, XXXX, and Truist ). A credit card was added to my XXXX account and money was attempted to be transferred to it that I did not authorize as well and funds sent to a company via XXXX that was later proven that I did not receive any goods from. These were all done at the same time as these XXXX transactions. I also have documentation where an unauthorized device was added to my Truist account on the same day as these transactions were made. None of this was authorized. I have sent a copy of the police report, XXXX and XXXX claims that have been resolved, as well as documentation showing the unauthorized device added to my Truist account into the claims department at Truist. My last conversation with Truist was Tuesday XX/XX/XXXX in which they keep telling me it is still under review and a final decision has not been made. I was told I would be notified within 24 hrs of their final decision but I still have not heard anything and the money is still gone from my account.
Product: Debt collection

I have been mislead in terms of the loan, I was told that I had to take the loan to go To school and I actually did not have to take out any loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 hard inquiries from SYNC/PAYPAL bank on my credit report that make no sense since some were done not even a year after I filed bankruptcy and had listed them as a creditor, so I know they would not give me credit back. I have tried to talk with them to see if they were looking at my credit regarding the bankruptcy and got no answers. I think they made a mistake when looking at or listing them as a creditor to my credit report, but I did NOT apply for any new credit with them right after I had just filed bankruptcy. There are 5 hard inquires dated, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, so not only are there hard inquires, but some are literally back to back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, LA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXl XXXX Balance Owed : {$2400.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting

XXXX have posted XXXX delinquent account on my credit that does not belong to me, the account belongs to my wife and she already paid it off, she just issued a card for me under her account so why they issued that on my credit,,
Product: Checking or savings account

U S Bank closed my account because it was suspected to have been used with out my permission then reopened another account with transactions that had already completed ( paid for ) /double posted, instead of applying an adjustment to the account they applied provisional credit credit which I lost the dispute because I was told to ignore submitting documents to prove anything as I had never disputed these transactions with XXXX XXXXXXXX XXXX I had only disputed them with us bank for double posting them. 
Today I see more forced post adjustments that do not even have provisional credits/disputed even attributed them, bring my balance to a negative XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. It should be negative XXXX XXXX dollars and if all the overdrafts are taken off ( which are due to these provisional credit reversals ) then it would be a positive balance. Im littlerly with out food and Im begging local businesses for water to drink, Im on the brink XXXX XXXXXXXX XXXX XXXX XXXX due to their mistakes due to the result of their fraud detection and closing my account and creating a new one and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened credit cards with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 

I notified XXXX XXXX  that neither did open an account with nor attempted to open account with them via phone calls and a letter I sent to the Bank XX/XX/2023. To date, XXXX XXXX  has not investigated nor deleted the fraudlent credit card that they reported as delinquent and charged off on my credit history. I am suffering huge hardship as my credit score is being significantly affected and resulting in my ability to secure employment that requires unblemished credit history. Furthermore, I am in the process of getting a pre-approval for a home loan and preventing the ability for me to get a home loan. This is putting me in distress and leading a productive life.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this ( without any influence and this is not a third party ). I have complained to Equifax, however The problem has not been resolved. Equifax has violated the FCRA UNDER THE LAW 15 USC 1681 SEC. 623 I received NO RESPONSE AFTER 30 DAYS. I originally contacted Equifax reference to a XXXX XXXX XXXX FILE XXXX, Equifax failed to to respond within 30 days ( see enclosed documentation evidencing Equifax violation of the law ). 
Therefore I demand that you delete this inaccurate account ASAP, as YOU ARE REQUIRED UNDER FEDERAL LAW TO DELETE THIS ITEM SINCE YOU FAILED TO DO A TIMELY INVESTIGATION!!!
Product: Debt collection

I received a derogatory mark on my credit report in XX/XX/2021. The debt collector Paramount Recovery Systems is claiming that I owe medical debt from XX/XX/2021. I have never received a bill or phone calls from either the debt collector or the company claiming I used medical services. The information in the report is not accurate and not mine.
Product: Credit reporting

will not remove XXXX or XXXX from report. 
costing me legal and costing me my business! 
i have to save $ again to sue them in the meantime it preventing me from making money. this is not fair.
Product: Mortgage

Wells Fargo has a HELOC attached to my home at XXXX XXXX XXXX XXXX XXXX, XXXX CO XXXX. The draw period has ended ( 10 Years ) and now Wells Fargo has offered a 30 Year Fixed repayment period at XXXX as of XXXX/XXXX/2016. It turns out that in addition, they charge a per diem rate of XXXX daily on the account as well. This is usurous and I can not afford it and it was misrepresented to me. I was told by customer service as well as letters that I would now be responsible for a monthly fixed payment of {$620.00} per month for 30 years and that would repay the loan in full. I do n't see how this can happen if there is also a monthly accrual of daily interest being collected as well. When asked for a copy of the amended note to the line of credit, I was told no.
Product: Money transfer, virtual currency, or money service

I was a victim of " phishing. '' On XX/XX/XXXX I received a text message from a Citibank impersonator, and I thought it was from Citibank. I clicked on the text message and logged on to what I thought was the Citibank website. The next day I found that {$49000.00} was wired out of my savings account ( 2 wire transfers ). On XX/XX/XXXX I filed 2 Citibank claims for unauthorized wiring of funds. After 90 days I received a letter from Citibank saying that my claim was denied ( reason : " the fraud reported was caused by providing customer account information or authorization for the transactions that were determined to be a scam. '' ) I phoned Citibank and they said that I could appeal, but they did not ask me to fill out an appeal form, or even ask why I was appealing the decision. A couple of weeks later they sent a memo that stated No new information was received or discovered that would change the denial decision. I've had an account with Citibank since XXXX and nothing like this has ever happened before. When I logged on to the fake Citibank website ( XX/XX/XXXX ), I didnt know that I was giving the scammer my password that is why it was a scam and I was the victim. Citibank knows the bank ( s ) that received the wire transfers and the names associated with those accounts. 

I filed a report with the local police department. I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights This is a defamation to my character
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

Equifax is simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Debt collection

Doctor visit was  XXXX   XXXX ,  2016 . Chapter  XXXX  bankruptcy filed  XXXX   XXXX ,  2016  and discharged  XXXX   XXXX ,  2016 . This debt continues to be listed on my credit report as delinquent. Additionally, my attorney attempted to send a dispute letter to the address the agency listed on my credit report, which was returned as undeliverable. My attorney believes that reporting inaccurate informatio n ( in the case the contact address ) to a credit reporting agency is an additional violation of the FCRA.
Product: Mortgage

I began the process of refinancing my home with Wyndham Capital on XX/XX/2016 in order to pay of the first mortgage and a HELOC balloon payment that was due on XX/XX/2016. The loan specialist from Wyndham promised me that they could get me an FHA loan and that it would close in 28 days. Over the next three months they asked me for the same documents repeatedly, kept submitting the same request forms to the IRS for tax transcripts from my mother, and missed critical deadlines in order to close the loan. They missed the due date for the HELOC, missed the grace period, and in short never closed the loan. Because of this I no longer could get an FHA loan so one of their representatives tried to get the loan servicer ( XXXX ) to report that I had made the XXXX and XXXX payments so it would show XXXX on time payments and not report as late, but of course, XXXX could not do that since it would be a fraudulent statement. Finally in XXXX Wyndham sent me an email saying that they could not move forward with the mortgage since my credit showed late payments. They are the reason that the loan was late. This has ruined my credit rating and refuse to help me.
Product: Student loan

MOHELA misapplied my XXXX student loan payment. I have XXXX direct loans that are serviced by MOHELA. My payment for XXXX was withdrawn from my account in the correct total amount, but MOHELA only applied the payment to XXXX of the XXXX loans. The other XXXX loans are showing a {$0.00} payment for XXXX while the XXXX loans that did get credited a payment are paid ahead until XXXX. This is negatively affecting me as a borrower as it appears that I did not make any payment on XXXX of my loans when, in reality, I did. Moreover, it affects my qualifying payment counts for XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report TRANSUNION Dear Sir/Madam , TRANSUNION completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.