23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> a charge Pnc bank for XXXX from XXXX XXXX XXXX. I called that place and told them to canel this i want a refund for {$34.00} they won't do it.
Product: Credit reporting or other personal consumer reports

I have called repeatedly to try and make an online account but my security questions will not be generated. The first couple times I called chexsystems they just sent me to a third party company ( XXXX ) who refused to take my information down so that chexsystems could use that information to generate questions. XXXX told me that all I have to do is call Chex systems and ask for a supervisor to do manual verification, so that's what I did. Chexsystems told me twice that they were not processing manual verifications " at this time '' or " for the time being '' and that there was no way for me to get my report when I am out of the country.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late closed were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Vehicle loan or lease

On XX/XX/XXXX, XXXX car was purchased from XXXX XXXX by my daughter XXXX XXXX. It was a XXXX XXXX XXXX XXXX XXXX. I was asked by the company to check my credit because my daughter has a great credit score but not enough credit establish. The salesman asked if he could run my credit to see what she could get. I stated I hate for you to run my credit because it will cause me points, he replied ; its a soft inquiry. The salesman and my daughter called me back at my home and stated the details and I said no I will not co-sign and you need to leave because the length of the long was too long and in my opinion the car was too expensive with no discounts. The problem came in when the dealership told my daughter to pay a down payment and she can get the car in her name with a XXXX annual percentage rate with 60 months. She paid down {$4800.00} she put the gap payment in the amount. The dealership took her money and also put the car in her name and my name. I did not give my consent verbally nor did I sign a contract. If she paid the money why would you put my name on the loan. If you put my name on the loan why did you take her money? This is a fraudulent contract. Mail came to my house with a privacy matter stating XXXX XXXX and XXXX XXXX I have provided a copy. The dealership said my name is not on the contract it is not on the contract but it is on the loan and on my credit report. I contacted Honda Financial Services Friday and was told it is in my daughter name and me as a co-signer. On XX/XX/2021 i requested a copy of the contract via telephone it was sent to me via email. the contract my daughter has the general manager name was not sign the contract I have the general manager signed. How that happen I can not explain they will have to explain that. It has caused stress, emotional harm stop me from purchasing my vehicle because all my credit is tied up with a {$30000.00} loan on my credit .I feel overwhelmed because the salesman and finance manager did a XXXX  and switch on the contract regarding utilizing my credit against my consent. This is wrong and I do not know how the contract say one thing but the main paper work has me listed. I am devastated with this situation. Upon request I will send you a copy of my credit report showing the loan on my credit.
Product: Credit card

I made hotel reservations in XXXX XXXX  through XXXX Once we arrived at the hotel, we were told that two reservations were made through XXXX XXXX which I did not use ). One charge came through my credit card as XXXX  and the other came through as XXXX  The hotel, XXXX XXXX has been very helpful and refunded XXXX for the second reservation. XXXX promised to reimburse my card in XXXX. I have yet to get reimbursed, nor have I gotten a response from Citibank after multiple emails and phone calls. I have given Citibank all prudent information including the emails between XXXX XXXX and XXXX
Product: Credit card or prepaid card

On XX/XX/2018 we immediately noticed a fraudulent {$1200.00} charge on our Citibank Credit Card. Because it was late on a Saturday night, we went on line and marked it as fraudulent and were informed that new cards would be mailed to us. I called back on the XXXX because the charge now showed up on our new card. I was told not to worry, that the charge would be gone in 5-7 days. I called back on the XXXX, 8 business days after the first call. I was told that the call on the XXXX didnt report anything as fraudulent and that she would take care of it and it would be gone within 5-7 days. 

I called again on the XXXX ... over 21 days since the original fraudulent report. I was told, again, that it was not in the record and being reported as fraudulent. This time I was transferred to Security & Investigations. He asked me where I kept our cards, did anyone else have access, did I file a police report and did I call the number on the charge to see why they had charged us. We do not have a XXXX account and we have never received personal services from Miss XXXX XXXX so I said NO!! I was then told that each fraudulent transaction is put into a que and handled from there and that it could takes 10-12 days ( business days ) to investigate and then another 5-7 days for the charge to actually be reversed. He apologized that I was not told this on my 3 previous contacts and that they would report my discontent with their process. Yah right! 

Well see. My main concern is that this charge was allowed to remain on our account and is part of the balance due right now. I was told to just subtract the amount from my payment, but I am very skeptical that I wont be charged interest and/or penalty for not paying the correct amount. 

This was incredibly frustrating
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


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

XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - Jpmcb Card Service XX/XX/XXXX - XXXX XXXX   XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - Jpmcb Card Service XX/XX/XXXX - Jpmcb Card Service XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX Fraud Inquiries. They won't remove
Product: Credit reporting or other personal consumer reports

This account was charged off : Since then, the date of last activity has been inconsistently updated on Experian the date last active is ( XX/XX/XXXX ), on XXXX it is ( XX/XX/XXXX ) and on XXXX, its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Debt collection

I obtained a mortgage from a bank in XX/XX/XXXX. The property was foreclosed on for a significantly smaller amount compared to the market value in XX/XX/XXXX, thus inflating the debt owed. Unfortunately, this was due to unforeseen circumstances. I tired a number of times to give the property as a deed in lieu to the bank, however, was denied by the bank. 
Recently I tried to correct the amount which has been closed since XX/XX/XXXX. The bank not only refused to give the XXXX any information but then changed the amount of money owed significantly despite the debt being a charge off. 

This was done in retaliation to directly impact my credit score. 
My credit score in turn dropped over 100 points.
Product: Debt collection

I received a negative report on my XXXX  Credit Report back in XXXX of XXXX from Midwest Recovery Systems about an unpaid debt. I never received any mail or letters in regards to this supposed debt. I also have not lived in the State of Florida since XXXX and had not been to a doctor for at least a year prior. I disputed that and it was removed on XX/XX/XXXX off of my XXXX  Report. 

As of XX/XX/XXXX, it was alerted to me by XXXX  that the same company is reporting that I have a debt in collections with them. I went through XXXX  to dispute this. It is now XX/XX/XXXX and I have yet to receive notification that this will be removed as it is NOT my debt.
Product: Mortgage

I made two partial payments to my mortgage company using my bill pay with my bank XXXX XXXX XXXX XXXX checking ) on XXXX XXXX and the other on XXXX XXXX. I began getting notification that I had not made my payment and upon contacting XXXX Mortgage XXXX my mortgage company ) I was informed that the amount sent in on XXXX XXXX in the amount of {$940.00} had been sent back as NSF, I found this odd because I was under the impression when using bill pay the funds are sent directly from the bank to the merchant, so how could they be returned as NSF. Regardless, I contacted my bank and they did an investigation which came back as the XXXX Mortgage had accepted both transactions I made. I have made countless phone calls and have been told half a dozen stories about where the money is and my status for my XXXX payment. They are no longer answering my calls when I contact them or I end up in their hold system for hours. I 'm unsure how to move forwards with this and am very afraid to send another payment to them at this point. I have both trace numbers for these transactions and have forwarded them to XXXX in hopes that they will rectify their error. I do n't know how this is effecting my credit score and now that it 's XXXX my XXXX payment is officially due. 
XXXX payment debit trace XXXX {$940.00} XXXX payment debit trace XXXX {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and I noticed I had multiple reports of of the same debt collection that I believe all show as negatives on my report. It happens multiple times as well as with multiple collection agencies. The dates, amounts and agencies are as follows : Waypoint Resource Group : in the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$170.00} on XX/XX/XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$1000.00} on XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX This one is the same as the first debt collection I have listed just under a different name and an earlier date : XXXX XXXX XXXX : In the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX It seems as if these companies wanted to hurt my score by reporting the same debt multiple times. As of now I have not been in contact with any of the agencies, this is my first step. I am hoping to get a better understanding as to what has happened and determine proper recourse from there. I could be wrong and reading things incorrectly, if that's the case I am sure you will let me know.
Product: Debt or credit management

I never used these cards and my information was exposed and compromised
Product: Mortgage

I started the mortgage process on XX/XX/XXXX and have the mortgage closed on XX/XX/XXXX. I want to file a claim regarding JPMorgan Chase bank, the loan officer XXXX XXXX ( XXXX ), and his XXXX XXXX XXXX XXXX XXXX XXXX The claim is regarding the following issues : 1. Negligence during the mortgage process.

Because of the negligence of loan officer, my closing got delayed and I was charged a closing adjournment fee of {$4900.00} because of the the delay.

During the process I have been submitting required material no later than one day after requested, but the process keeps been delayed for over 3 month.

Through out the one 3 month process, I've been trying to follow up on the mortgage process, but XXXX barely pick up my phone calls, instead of picking up my phone call, he called me back just IN SOME CASES. I found him picking up phone calls pretty quick when my attorney called him though. He is also lagged in email response. 
On XX/XX/XXXX, the first scheduled closing date, I hear nothing from the bank and I'm unable to get my phone call through. 
On XX/XX/XXXX, which is the deadline for closing, the bank is still waiting for appraisal report, while the sponsor said that appraisal report was provided on XX/XX/XXXX. 
On XX/XX/XXXX, closing was scheduled on XX/XX/XXXX, it got delayed to XX/XX/XXXX because the loan officer forgot to ask me to sign for waiver of Three-day review of appraisal/valuation form. The adjournment fee gets increase from {$3800.00} to {$4900.00} because of this delay.

2. Share deceptive information to me about adjournment fee reimbursement. 
Before the closing deadline XX/XX/XXXX. I was told by attorney that if the closing is delayed beyond that date, I'll be charged an adjournment fee per day, the amount total is {$4900.00}. The loan officer told me that I don't have to worry because bank will reimburse this adjournment fee for me, but I need pay out of my pocket when closing first, then the bank will work on reimbursement. I trusted him, and the bank. 
On XX/XX/XXXX, I went for closing and paid for the adjournment fee. Provided all required material to XXXX for reimbursement. 
On XX/XX/XXXX, XXXX told me the application for reimbursement has not been approved and when I asked for reason of reject, he said bank never guarantee to close on time so it is normal for mortgage closing being delayed, which makes no sense to me, and make his promise of reimbursement a lie.
Product: Debt collection

I paid all my debts XX/XX/2018 and they are still showing on my credit.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my consumer credit report from these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Since XX/XX/2021 I have been trying to make a substantial payment on my XXXX XXXX Credit Account, only to be stymied by XXXX. XXXX XXXX  and their subsidiary, Synchrony Bank who fail to maintain current addresses and phone numbers with which to communicate my payment information in the amount of {$4900.00}. Meanwhile, they continue to charge me sky-high interest rates on money they would have received weeks ago had they provided a valid means for doing so!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX our mortgage was transferred to this company from XXXXk. We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays date, Equifax and XXXX are still reporting this account. We simply want it removed. 

XXXX agreed to remove this. See attached letter. Yet it has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries listed on my credit reports that was not authorized by me. I never agreed with the listed companies to obtain any information to my credit profile. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Product: Debt collection

this 3rd party company did not validate this information with whomever is reporting this information about me and provide full documentation associated with this including my signature that contractually binds me to this account. as asked in previous disputes to the cb they have yet to provide the information that i have asked for under my rights of the fcra they have not verified anything only harassing me by phone and mail to collect a debt that i have no knowledge of and i have no idea how this company got my personal information i have sent letters to the CBs requesting validation which was received all by certified mail return receipts.
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 USC 1681. 

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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 antedates 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 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

Dear Sir/Madam, I am writing this letter to bring to your attention a concerning matter regarding my consumer report. It has come to my attention that multiple companies have furnished written-off alleged debts to my consumer report, and by allowing this, you are inadvertently aiding these companies in committing tax fraud. Furthermore, your actions are contributing to the extortion of individuals like myself, as these debts are negatively impacting our financial reputations. 

According to federal laws and regulations, a consumer report is intended to remain equitable and accurate to the individual it represents. However, I have discovered that certain written-off accounts, for which I have never received a 1099-C, are still being reported on my consumer report. These companies have already received compensation on their taxes for these debts, and it is unjust that they are now using my credit report to further their financial gains. 

I hereby request that you take immediate action to remove the following alleged debts from my credit report : XXXX. XXXX : XXXX XXXX. XXXX XXXX  : XXXX XXXX. XXXX : XXXX Additionally, I would like to bring to your attention that neither of the following addresses listed on my credit report belong to me. Please remove them promptly : XXXX ) XXXX XXXX XXXX XXXX, TX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX ) XXXX XXXX  XXXX XXXX XXXX, TX XXXX. 

I expect these entries, as well as the incorrect addresses, to be completely removed from my consumer report within the next four days. Failure to comply with this request will leave me no choice but to pursue legal action against all parties involved. Please note that under federal law, I am entitled to seek damages of {$1000.00} per violation. 

I trust that you will handle this matter with the urgency and attention it deserves. I have enclosed copies of the relevant documentation supporting my claims. Should you require any further information or clarification, please contact me at the provided contact details. 

I look forward to a prompt resolution to this matter. Thank you for your immediate attention to this issue.
Product: Credit reporting or other personal consumer reports

My student loan was part of the federal forgiveness program and the outstanding balance was forgiven, leaving me with a balance of {$0.00}. I received a letter from XXXX stating the new {$0.00} balance, which I submitted to the 3 credit reporting agencies 6 months ago, when I start the dispute process. XXXX updated the account and correctly shows a {$0.00} balance. However, as of today XXXX and Experian haven't updated my account with the correct balance. They are still showing an incorrect balance, which is affecting my credit score and ability to refinance my home.
Product: Consumer Loan

I was on XXXX looking at my credit score and I seen a report for an auto loan that I did not apply for but yet it is on my report and damaging my credit. please help me resolve this issue.
Product: Checking or savings account

I opened an account for my XXXX  XXXX  who is now XXXX and the account now has fraud on it with over XXXX. The bank did not stop the fraud check when it was deposited and nothing was said until fraudsters quickly took the money out early hours of the weekend when the institution was closed. Why wasn't I made aware of a fraud check that sat in that account for days before it was taking out. Bank now wants me to pay back funds from scammers. This is unfair and was out of my hands. The bank should be held liable not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify :
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX  Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 antedates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.