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

I had called Chase to report a lost/stolen credit card on XX/XX/XXXX as soon as I realized it went missing, unfortunately nobody got back to me until XX/XX/XXXX and by then there were 2 more transactions that were done on the account. Anyways Chase started their investigation after that and finally after almost 2 months of waiting they came back and said I was responsible for the transactions, even though I had reported the card lost/stolen and should not be liable for these transactions. The just sent me a letter without any documentation or anything as to why I should be liable for these transactions. This has never happened to me before and this is these second time its happening in the last 4 months, that Chase has denied my fraud claim ( s ) and is asking me to pay for purchases that I did not make. 
Here is the list XX/XX/2020 XXXX XXXX # XXXX XX/XX/2020 XXXX XXXX # XXXX XX/XX/2020 XXXX XXXX # XXXX XX/XX/2020 XXXX XXXX  XXXX  XX/XX/2020 XXXX XXXX XXXX   XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX
Product: Debt collection

a couple of days before XX/XX/2015, I rceived a phone call by someone asking me to pay a debt for an unrecognised source. I asked them to send me the information to my house and provided the home address. They said they will send it to the collection agency. I said I am ok with that since I have no idea what they were talking about. Today I received the letter and it is by ProCollect Incorporated in XXXX, Texas. I called the number they provided but one operator answers and forwarded me to no answer. The name of the creditor is XXXX XXXX XXXX. I never lived in these apartments. As I saw and reserached online that creditor I understood immediately that : 1 ) they contacted the wrong person or 2 ) it is a fraud I would like to stop this and I was forwarded to this site by the ftc customer service.
Product: Credit card

I got a amexrewardcard and I activated it. I tried using it on XXXX and XXXX & the transactions were declined on both. 
Called the number provided on the website ( XXXX ) and the lady mentioned they are blocked merchants and said you should try it 'elsewhere '. When asked for a list of accepted merchants, they dont have such a list either. But the website states I should be able to use it anywhere amex is accepted. 
I googled and saw reddit posts stating the same and I am not the only one that this is happening to.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY 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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I sold my home/condo and I signed documents outlining how much would be deposited into my bank account the next day. I provided information for the bank wire to XXXX XXXX. 
I informed my finance rep the amount and when the amount was received it was different. 
I asked my realtor what the difference was and they had no idea. My realtor called the title company. They told my realtor a calculation was wrong. I asked for a copy of the new calculations as this document would not have my signature on it. I requested a phone call for explanation as to how they could just change the dollar amount that I signed and agreed would be deposited into my account, and why was my finance rep telling me of this difference and not the title company. The rep from the title company apologized and said they were really busy. She said the document I signed was an estimate and I said there is no reference to the word estimate on what I signed nor was that explained to me at my signing. She said she would follow up with me after she reviewed the docs and she still has not been back in touch. I will attach the documents. I feel they owe me the {$1000.00} difference, this was their mistake not mine and they have been unprofessional in handling the error. I feel they were sneaky changing the docs and not disclosing anything to me. I expect WFG National Title Insurance Company of XXXX XXXX, OR to make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is closed. It shows " charged off '' on my credit report. 
It keeps showing as a late payment on my credit report, EVERY MONTH. 

If it's closed and charged off, it should not keep appearing every month.
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX  Account : XXXXXXXX XXXX Amount Collect : {$1400.00} from Creditor : Credit Collection Serv, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on/around XX/XX/2020 and a second written request was sent via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by XXXX, TransUnion and XXXX  on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Product: Consumer Loan

THIS CREDITOR IS REPORTING ON MY CREDIT REPORT I HAD A LOAN FROM THEM IN XXXX SC LOCATION. I HAVE NEVER HAD ACCOUNT IN XXXX SC. I ALSO DISPUTED THIS DEBT AND THEY FAIL TO REPORT IT AS DISPUTED TO CREDIT BUREAUS AND REPORTING INACCURATE INFORMATION WHICH IS AGAINST THE LAW. ACCORD TO FCRA SECTION XXXX. THEY HAVE NOT VALIDATED THIS DEBT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.
Product: Vehicle loan or lease

In reference to loan XXXX, Ally Bank erroneously reported that my son XXXX XXXX and I have made late payments resulting in the lowering of our credit scores by 100 points. XXXX is the primary owner of the XXXX XXXX XXXX covered by the loan and I am the cosigner. 


In XX/XX/XXXX, while making our regular payment the Ally Bank website stated that " Ally Bank offered a 3 month extension for those effects by the pandemic. '' My son was laid off due to the Covid, so we filled out the online form on the Ally website in good faith. Around XXXX we started receiving late notices and we attempted to contact customer service, thinking this was some type of mistake. After at least 10-12 hours on the phone we were unable to receive help. I also have requested to speak with a supervisor numerous times and have reported the issue on Allys twitter site, but still have received no help. I received a case number XXXX and have satisfied the terms of the agreement. We have appealed this to a supervisor ( XXXX ) but he was little to no help. 


We never had any late on any payments to Ally bank during the entire term of the loan, nor have we been late on any other loans. We request that you notify any and all credit reporting bureaus regarding Ally Banks mistake. 
Sincerely, XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not quite sure if these companies are following proper reporting protocol ; if so I apologize for this complaint. However, two companies are reporting the same debt for 2 accounts on my report. XXXX XXXX  was the original creditor for both accounts ( XXXX XXXX XXXXt and XXXX XXXX ) and they were both sold to a collection agency called XXXX XXXX XXXX. Both companies are now reporting the debts. I feel that this is lowering my score even more. I understand that it is a collection and I have no problem with that. I just want to know why both are reporting and not just the collection agency as I have had happen in the past. I feel like this is making it look like my debt to income ratio is worse than it actually is. Thank you for your help with this matter.
Product: Checking or savings account

On XXXX XXXX, 2021, we were texted via Wells Fargo that there were charges that seemed suspicious, and that in order to approve these transactions ( {$XXXX} and {$XXXX} ), we needed to text the XXXX digit code back to Wells Fargo. There was also a suspicious {$XXXX} transfer from savings to checking that we had not made. We ( my husband and I ) immediately called Wells Fargo Fraud Department that froze the accounts. Wells Fargo claims a XXXX Liability policy in these situations, and we were told we would see the funds back in our account within days. We received {$XXXX} back on XX/XX/XXXX, but upon calling to follow up on the remaining {$XXXX} still missing, we were informed that they believed that we had indeed authorized this purchase via texting the code and that " Visa has rejected our claim that this was fraudulent. You will need to follow up with XXXX XXXX XXXX XXXX. The case will not be reopened ''. The representatives that we talked to began to question our authenticity, stating details of the case that had never been stated, such as, " You said you lost your debit card '' and " You transferred the {$XXXX} yourself ''. They report that the matter is completely out of their hands and that Wells Fargo can no longer assist at all. We have contacted XXXX XXXX XXXX XXXX, who has stated that this is a matter that only Wells Fargo can resolve. In making a formal complaint to the company, they assigned me a Case Specialist, XXXX XXXX, whom I have tried to call, but he has not answered his voicemail box is full. Attached is a screen shot of the texts we received when the fraud was committed and the authorization we did not provide, or there would have been a text back with the code as well as their final response to our dispute. They have never said anything about the " compelling evidence '' or provided any kind information that supports their decision to decline refunding the stolen money. 
We have also reported this incident to our local police department ( XXXX XXXX, XXXX XXXX ) which have referred us back to resolving the issue with Wells Fargo.
Product: Mortgage

I did a remodification on my home loan with Wells Fargo two times to save my home from foreclosure. It was like ten or 8 years ago and unsure of the loan number. I owed maybe XXXX on my home but when I sold it for XXXX I was told I would only receive XXXX because of the loan modifications took must of my money.
Product: Payday loan, title loan, or personal loan

I didnt get this loan they tried to take out {$630.00} of my money I didnt get from they say I got {$400.00} dollars I havent got
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX  DATA XX/XX/XXXXXXXX CRE XX/XX/XXXX XXXX CRE XX/XX/XXXXXX/XX/XXXXXXXX DATAXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX DATA XX/XX/XXXX XXXX XXXXXXXXXX/XX/XXXX XXXXS CREDIT XX/XX/XXXX XXXX  CREDIT XX/XX/XXXXXXXX  XXXX XX/XX/XXXX XXXX  XXXX CRED XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX
Product: Bank account or service

When my ex wife, XXXX XXXX and I were divorced about 10 years ago, we closed our joint checking account at Bank of America in XXXX XXXX. My ex wife moved to XXXX XXXX and opened a checking account with BOA in her name only I continued to live on XXXX XXXX About 3 years ago, I opened my own checking account with BOA in XXXX XXXX.. 
When ex wife over drew BOA checking account in XXXX BOA activated a line of credit account my ex wife and I opened prior to our divorce years and forgot to close My ex wife overdrew her checking in 2015 activating the line of credit account. BOA sent notices of past due overdraft account to my wife 's a ddress in XXXX The letters were addresses to XXXX XXXX and XXXX XXXX I was never notified about this overdraft problem at my home in XXXX XXXX ( see attachment ) My ex wife mailed copies of BOA letters about the overdraft account, my first knowledge about the problem, I went to BOA in XXXX XXXX, they explained to me about the overdraft and they filed a bad credit report with credit bureau. BOA told me that, my ex wfes XXXX addfress showed as the official address in their records for both of us. Even though I had seperate BOA account in XXXX XXXX, Bank of America made no arttempt to notify me at my XXXX address. Bank of America just used my ex wife XXXX address because my ex wife over drew here account and since we were both on the old line credit account, they just put my name on the collection letters sent to XXXX I was never notified about the problem BOA refused to restore my credit be cause their official records showed that we both lived at the XXXX address, which is a phoney excuse. 








































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Product: Credit reporting or other personal consumer reports

I have repeatedly attempted to freeze my credit online with Equifax and that service is currently unavailable. I tried calling to do it over the phone, but I was unable to do it that way either.
Product: Debt collection

ON XX/XX/2024 OPT OUT LRTTERS WER SENT : attached ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX Accounts has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I didn't authorize these inquiries and I'm not benefiting from these inquiries on my experian as follows : XXXX, 2021 # 1XXXX XXXXXXXX XXXX XXXX # 2. XXXX XXXX XXXX XXXX XXXX, 2021 # 3. XXXX XXXX # 4. XXXXXXXX XXXX  XXXX # 5. XXXX XXXX XXXX XXXX # 6. XXXX XXXX XXXX XXXX # 7. XXXX XXXX # 8. XXXXXXXX XXXX  XXXX XXXX # 9. XXXX XXXX, 2021 # 10. XXXX XXXX XXXXXXXX XXXX. XXXX, 2021 # 11. XXXX XXXX
Product: Credit card or prepaid card

I have contacted PNC bank a few times now with respect to concerns surrounding privacy and in doing so I specifically and explicitly stated that my concerns with whether or not PNC had aligned itself with XXXX XXXX XXXX which could contribute to privacy, fraud, and/or theft of assets. Now since then, I now find out today that XXXX XXXX, alleges that I have an active subscription with them using my PNC card which is not possible, at least not legally, since I cancelled that service back in XX/XX/2023. See attached. Therefore, to have an active subscription with XXXX XXXX, which would be predicated upon fraud, would have to involve the PNC card and/or PNC employees-workers illegally and unlawfully sharing my alleged secure account information with PNC employees/workers engaging in fraud and XXXX XXXX Again, See attached . Also, today, XX/XX/2023 i had to contact PNC regarding a dispute concerning a fraudulent charge via XXXX XXXX, that despite XXXX XXXX providing the cancellation number ( XXXX ) and forbidding them from charging my account they did so anyway again on or around XX/XX/2023. PNC then alleges that I need to wait ten ( 10 ) days for a provisional credit which is contrary to federal law. I believe PNC seeks the ten ( 10 ) days, contrary to federal law, to cover their tracks of internal misconduct, fraud, and or other money crimes perhaps due to its relationships/affiliations, ante.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

Prior to the pandemic I used my Capital One card to purchase our XXXX XXXX tickets to go from XXXX XXXX to XXXX, XXXX. Before we could fly XXXX closed their borders. XXXX said they would hold our money until the borders were open and then we could use the credit to book our tickets to XXXX. When the pandemic endedXXXX XXXX was no longer flying to the United States. They have thousands of our dollars and we have no way use the money they are holding. Capital One refunded the money to our credit card and then a month later took the money back.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. In spite of the numerous previous written requests, the account, MIDLAND CRED, remains on my credit report in violation of Federal Law. They neglected to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my efforts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Mortgage

With XXXXXXXX XXXX FEMA zone change, my property was placed into the flood zone. We then spent a lot of money and effort to have it removed by FEMA ( received LOMA ). It was sent to citizens via email, site, fax, mail on XX/XX/year>. Countless calls were made and reps assured that I should not worry about force placed and that removal action is coming. Today, XXXX, I was forced insured in flood coverage by citizens. I believe that this action is both unlawful and unacceptable. Agents keep providing future copletion date that differ from call to call. In the meantime, I am being charged over {$2000.00} when agents kept saying " do not worry and do not buy flood '' I demand immediate action. Loan # XXXX. LOMA Attached
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX, XXXX XXXX XXXX ) ( Collection )
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secure credit card with XXXX XXXX  last year I had XXXX XXXX  on time payments right before my first year mark was coming up XXXX XXXX closed my account. They are reporting that I owe a XXXX dollars still but havent issued me my initial deposit refund they are stalling my refund so that I send them more money I am owed XXXX $ for my refundable deposit and the balance is XXXX my balance should be XXXX and the remaining amount of my deposit should be issued to me this is showing negative information on my credit report when in all reality I am the one who is owe money not XXXX XXXX
Product: Credit card

On XX/XX/XXXX I made an extra payment to my Citi credit card in the amount of {$7500.00}. On XX/XX/XXXX Citi lowered my credit limit {$7500.00}. On XX/XX/XXXX I became aware of the lowered limit when I tried to use the card. I called Citi and immediately cancelled my payment of {$7500.00}. I also called my bank and cancelled the payment of {$7500.00}. The payment had not yet reached my bank. XXXX citi has my minimum payment of {$7200.00} due XX/XX/XXXX. I did make a payment of {$800.00} on XX/XX/XXXX. I have requested Citi to reinstate my credit limit to the original amount with two different managers on two separate dates. They refuse to reinstate the amount and state my minimum payment is due. The original amount of {$7500.00} was an extra payment and no payment was due on XX/XX/XXXX.
Product: Bank account or service

Sun Trust closed my business account ( XXXX XXXX XXXX XXXX XXXX ) due to fraud. Never told me what the fraud was. There was no fraud and they have not given me my money back. I am a small business and am having a hard time staying in business. They owe me approx {$4700.00} and its been over a month. I want my money & Compensation for my loss of Income. A/c # XXXX. 
XXXX XXXX, XXXX