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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Date of Birth : XX/XX/year> SSN : XXXX To whom it may concern : Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; but have not provided a reasonable method of verification?

I request for the third time that you provide the method of verification you used. Your response should provide : The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute To date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days that included information as described in Section 611 ( a ) ( 6 ) ( B ) ( iii ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX  : ACCOUNT NUMBER XXXX IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 

Delivered in the presence of : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX Bed and financed it. Was told by XXXX XXXX that it would be an installment loan via XXXX XXXX. Was approved for XXXX. Synchrony is now reporting it as a credit card, which was not what I signed up for nor what was relayed by XXXX XXXX rep as I specificaly asked what type of loan this is. An installment loans reports differently vs a credit card.

XXXX XXXX Purchase Date : XX/XX/2018 XXXX XXXX Delivery Date : XX/XX/2018 Synchrony Credit Reporting Date :XX/XX/2018 Neither party ( XXXX XXXX or XXXX XXXX ) as well as the credit bureaus have corrected this despite numerous attempts to get this immediately rectified.
Product: Credit card or prepaid card

On XXXX XXXX I called Capital One for my balance due and immediately made an XXXX from my checking account for the full amount of {$8900.00}. I now have gotten a statement charging me and additional {$14.00} in interest. I called Capital One and was told I would have to pay that interest because I did not ask to speak to a representative and ask for the " pay off amount ''. At no time do they ever advise you of this when you call in nor do they have the option of pay off balance only balance due. When I pointed this out to the representative she informed me that I would still have to pay the additional amount. Being that their call in did not offer the correct information or option to pay the bill in full I do n't feel I should have to pay the additional amount.
Product: Credit card or prepaid card

I have a JetBlue MAstercard with Barclays. I have had the card for many years and make payments regularly and use it regularly. I was at my credit limit last week so I made a payment of {$1700.00} against my account which would give me approx. {$1300.00} in credit to use to buy Jet Blue tickets. I made the payment on Sunday from my XXXX account. The payment was registered by Barclays on XXXX  the XXXX XXXX XXXX but they will not release the money to my account until XX/XX/XXXX, saying that somehow I can cancel the payment with my bank. I feel like this is an outrageous practice as they have my money- it is no longer in my XXXX account but they will not allow me to charge anything against my JetBlue card. The only reason this matters is because when I book airfare with Jetblue using that card I get a free checked bag and additional airmiles. I can not wait until the XXXX to book the travel so I had to use another provider 's card and i lose out on the {$30.00} per ticket free bag ( {$60.00} total ) and the miles. I called them and they tole me that they could remove the credit hold so that I could may the purchase but they transferred me to someone else who refused - telling me I could still cancel the payment I also send them an email and they gave me the same response although after I told them I would file a claim with you, they said I could call them back and they will reconsider making the change... too late I already bought the tickets and had to pay for the bags. I don't think its fair for them to hold my money but not apply it to my account enabling me to use it.
Product: Credit reporting or other personal consumer reports

5 HARD INQUIRIES IN MY XXXX  CREDIT REPORT 

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 or other personal consumer reports

I purchased a new car in early XXXX, of course a credit check was run. Experian sent numerous messages alerting me to the inquiry, which is expected but they were excessive. Now that I got the loan they are sending me excessive messages saying a new account was set up. Then they send multiple messages regarding credit score changes. I understand its their job to send alerts but they spam me with the same alerts for days. I went to the website to acknowledge the alerts assuming that would stop but it doesn't.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX-Debt final Rule 1002.142 ( b ) ( 4 ) -51002,142 ( b ) 7, I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed Accounts to be blocked and deleted company information TransUnion.Please delete the following Account XXXXXXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX  Account Number XXXXXXXX XXXX XXXX Account Number XXXX
Product: Credit card

I recently applied for a Macy 's credit card on Macy 's website. The website said that it required further processing and that I would receive a letter in 7 to 10 days. I received the letter ( which I 've included ) saying they were unable to open an account because they could not confirm my identity, and to call them. I called them and they ask me a couple of questions and said to hold they would finish processing my application. They DID NOT tell me they were running my credit for a second time! When they got back on the line they said I was declined because of my credit score. The letter said they could n't verify my identity and nothing about my credit score which they already new. They had ALREADY pulled my credit on XX/XX/XXXX when they sent me the letter. When they put me on hold and ran it again on XX/XX/XXXX without telling me they were doing that, it dropped my credit score XXXX points! That was the second time they ran it in 10 days. I would never have allowed them to run my credit a second time knowing they had just ran it on XX/XX/XXXX. I monitor my credit closely and was immediately alerted when my score dropped XXXX points. This has now dropped my credit rating to fair instead of good.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX 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 XXXXXXXX Balance : {$2700.00} XX/XX/XXXXXXXX XXXX XXXX Balance : {$10000.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$1300.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$820.00} XX/XX/XXXX XXXX  XXXX XXXX Balance : {$1000.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX  are continuing to report inaccurate information. According to the FDCPA and the FCRA, all accounts are supposed to report accurately and attached you can see they are all reporting differently.
Product: Mortgage

For over a week I have been contacting Lakeview Loan to get my payoff amount corrected so I can complete my refinance. A week of endless headaches and calls with no resolve! No one will call me back and help me. No manger or supervisor has handled this or called me back as promised. I need help!!
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 U.S.C 1618. 

Account Account # XXXXXXXX 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 XXXXXXXX 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.

15 U.S. C. 1681 c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

An imposter demanded that I send {$35000.00} by wire to this bank account : " Bank Routing Number : XXXXXXXX XXXX XXXX XXXX Address : JPMorganChase XXXX And XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX '' I did not send the money. I called JPMorgan Chase. After a lengthy battle to get to talk with a human, I spoke with XXXX in the Customer Protection Group. He refused to accept my information, and instead told me that I would have to go to a local branch. I told him that I would not do that and asked if there was any other way to make my complaint. He said no.
Product: Credit card or prepaid card

BBVA is a fraudulent company.

BBVA unilaterally closed my account without any notice or explanation to me.

I timely paid my balance in full last month and was told that would bring my account to {$0.00}.

I checked my account today and found that I am being charged {$6.00} for Interest charge promo charge and {$1.00} minimum charge.

I called BBVA and spoke to XXXX XXXX. I asked for an explanation of these new charges - she didn't provide one. I asked to have the {$7.00} reversed- she refused. I asked to speak to a supervisor- she said there was no-one available and they would call back but didn't say when. I offered to pay the {$7.00} if she would provide written confirmation that no more charges would be incurred- she refused. 

I want this matter investigated. I will not pay these fraudulent charges without verification that doing so will bring the account to {$0.00} for good.
Product: Debt collection

Good day, Im reaching out in complete frustration over a collection account on my credit report that has absolutely nothing to do with me. I never opened or authorized this account, yet I'm being harassed through emails, calls, and messageswith even threats of legal action. Its overwhelming, mentally exhausting, and truly disrespectful to my rights as a responsible consumer. As someone who takes their credit seriously, its shocking and disheartening to be dealing with something I didnt cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

American express did not give clear info on credit reporting. Signed up for a payment plan to make account current. Account became current on credit report now shows delinquent although Amex informed me that my account would no longer report as delinquent because my payments are automatically Withdrawal. Account went delinquent again and they refuse to resolve the issue.
Product: Payday loan, title loan, or personal loan

On Sunday, XX/XX/XXXX, I dropped a cash payment in the Tower Loan drop box in the amount of {$260.00}. A couple days later we were called by XXXX stating we owed a payment. My husband informed them that I just made a payment Sunday, however, they claimed they never received it. My husband called me and informed me of the problem and I called the office and spoke with XXXX. She stated she was the first employee there Monday and stated she did not see my payment with the others. I asked if they could review cameras to see I had dropped it off but she said they did not have any. The temporary manager was at lunch and she said she would have him call me back once he returned. Once he called me back he stated they had no proof that I dropped off the payment- I made the suggestion to check neighboring business cameras to see if they have cameras outside their storefronts that could have shown my drop off, that the funds could have possibly been credited to the wrong account, or worse case- one of their employees are being deceitful and took the payment since it was cash. He explained he was going to look into it and give me a call back within an hour. The next day I still had not received a call so I called XXXX back. He stated his manager said he doesn't believe I made the payment and there is nothing they can do and they are not responsible for the lost payment. I offered to provide my ATM receipt proving I made a wd that evening prior to driving to their store, but they will not look further into the problem. Someone stole my money and they are not doing anything to investigate the situation. I intend to visit the XXXX Police Station tomorrow afternoon and file a police report. Not only am I furious that they " lost '' my payment, but they have the audacity to call me a liar and say they don't believe I made the payment. I physically placed the payment in their payment box located outside their store with my information on the envelope, I ensured the payment was fully inside before leaving so there is no way that anyone other than those with access to the loan company could have taken it. I contacted their headquarters Friday but have yet to hear a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfers

I sent XXXX dollars to the wrong account at XXXX XXXX. I called USAA my bank account and they said the money was already gone and there was nothing they could do and that I would have to call XXXX XXXX. XXXX XXXX, of course, would n't speak to me because I am not a customer.
Product: Debt collection

I have been repeatedly called by Transworld systems Inc. at XXXX and XXXX days in a row. I have XXXX debt for them to collect on. All of my debt is paid and up-to-date. So theres no reason they should be calling me and there is no reason they should be calling me so early in the morning either
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- Incorrectly showing balance due and there was a late payment in XXXX. This account was never late and was PAID IN FULL/Closed by consumer in XXXX of 2022. I've made multiple written requests to validate the late payment and/or balance due and it has been more than 60 days with no response. I've attached my XXXX bank statement as evidence of payoff. Please update this account to a {$0.00} balance, never late or delete the account in its entirety.
Product: Payday loan, title loan, personal loan, or advance loan

I engaged with Transformers for an emergency loan in the fall of XXXX. I was approved for the loan and then through the process was advised I needed to add a cosigner which I thought was odd being that I had already been approved. I went ahead and added an additional cosigner to the account since it was an emergency need for funds. 

Since engaging with transform credit, I have requested access to the initial agreement to review since I noticed billing issues and double charges for interest most recently in XXXX after being ahead in payments charged over 60 % in interest charges which is outside the original interest rate. 

I requested a copy of the agreement in XX/XX/XXXX, the agreement that was sent to me was not for my account but for a separate account that I did not authorize. As a result, I put a fraud alert on my social security number and contacted customer service that I did not have any additional loan and requested a copy of my specific loan, which I never received. 

As a result of unforeseen hardship occurring in XX/XX/XXXX, my financial situation changed. In XXXX, I hired a debt management company that has a POA and is legal representation over the debt to negotiate the account to resolve the debt as quickly as possible in lieu of filing for bankruptcy. 

I informed transform credit that I had legal representation and had to join a debt management company. I requested them to work with the attorney from the debt management company to get the account resolved as soon as possible. I also put them on notice that they needed to cease all automatic payment attempts and that they needed to work with the debt management company for payment matters. I also noticed transform credit that they needed to cease contact with the co-signer and me and communicate only with the attorney. 

Transform credit personnel proceeded to e-mail me multiple times and the cosigner threatening litigation, threatening damage to the credit report, threatening to garnish or place lien on assets and more. In addition, sent additional communications that the account would be autopay even after being notified to cease any automatic withdrawals and payments and work directly with the attorney. 

I have attached all relevant documents and screen captures of behavior. I'm deeply concerned about XXXX credit 's stance and what appears to be violations of federal regulations and statutes when I've engaged to trying to have a positive resolution on both sides of the aisle.
Product: Credit reporting or other personal consumer reports

I am submitting to inform credit Bureaus that I have been a victim of identity theft. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), they are obligated to remove any items listed on an identity theft report. Enclosed are the necessary documents to facilitate the removal of the erroneous information from my report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 Balance : {$3800.00} XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : {$900.00} XXXX XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received letter in the mail from layers saying they will represent me in legal case against XXXX XXXX
Product: Mortgage

I have made my payment on the XXXX XXXX XXXX XXXX I make my payments every two weeks. On the website it says as on today XX/XX/2023 I am 8 days late. I have contacted them yesterday or the day before saying I have paid on time and to fix it. They haven't replied to me nor have they fixed the issue. Every time I log in, the make a payment pops up. This is the 3rd time I am having issues with them. Last time was kinda fixed, but made me pay a fee ( late or reverse ) when it was their fault. Auto payment was on the first and they took the money out before. They said I changed the dated to the XXXX ( this was after the XXXX ), but that was because the auto pay was before the XXXX.
Product: Credit reporting or other personal consumer reports

eliminate fraudulent inquiries that are on my credit report