23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Went into a Check Smart store to draw out a XXXX dollar loan last year over the summer. ( dont remember the exact date or time. ) Insight Capital has taken a total of XXXX dollars instead of the XXXX that I owed Checksmart. The first transaction was made on XX/XX/2020 at XXXX they went into my account. Instead of taking out the XXXX dollars they had taken over XXXX. On XX/XX/2020 at XXXX theyve taken XXXX dollars out of my bank account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Information Under FCRA ( 15 U.S.C . 1681n & 15 U.S.C. 1681o ) Dear [ TRANSUNION ], I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). The following item ( XXXX ) on my report contain errors and must be investigated and removed immediately : [ XXXX ] XXXX fraudulent account [ XXXX ] XXXX fraudulent account, [ XXXX ] XXXX fraudulent account According to 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of this dispute within XXXX days. If the information is found to be inaccurate or unverifiable, it must be deleted or corrected. 

Additionally, under 15 U.S.C. 1681n, if you fail to comply with the FCRAs requirements willfully, you may be liable for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. Under 15 U.S.C. 1681o, if noncompliance is due to negligence, you are still liable for damages, including legal costs. 

I demand that you correct or delete the inaccurate information from my credit report immediately. Please provide me with a written response detailing the results of your investigation. If the disputed item is not corrected, I will explore all legal remedies available to me. 

Enclosed are copies of supporting documents [ list documents such as a copy of your credit report with the inaccurate item highlighted, proof of identity, statements, etc. ] to assist in your investigation. 

Please respond in writing to the address above within the required timeframe. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my 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
Product: Credit card or prepaid card

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. 

According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently attempts have been made to get the account removed from my credit report.I have disputed the account requesting proof the account was mine. Iv requested documentation showing XXXX # XXXX has the authority to collect from me. Iv contacted XXXX # XXXX directly and paid a balance that I was not supposed to in agreement that they would remove the account from my report. This account has been paid in full that was coursity on my behalf.
Product: Checking or savings account

On XX/XX/XXXX, I deposited XXXX Government payroll checks from the XXXX XXXX XXXX, XXXX XXXX XXXX, totaling {$4600.00}. I am a Caregiver and the XXXX checks were back pay from XX/XX/XXXX. Due to XXXX XXXX Funds Availability Schedule for large deposits, my funds would be available on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX XXXX  Service to confirm availability of my funds. The agent told me that my account was under review and I should call back on XX/XX/XXXX. I asked why it was under review and the agent could not give me an answer. I was planning to buy a car on XX/XX/XXXX. I was very Dissatisfied. I went to the XXXX XXXX XXXX Citibank to verify if my funds were available. XXXX XXXX, Bank associate, made every effort to lift the hold on my funds. As I waited in his office, he spoke to different agents for over an hour on the phone only to give me bad news. They were closing my account and that I would receive a letter XXXX days. He advised me to wait for the letter and could not give me an explanation why my account was closed. Nor can he guarantee me that I would get a check for my deposit of {$4600.00}. I repeatedly asked XXXX why my account was under review but he didnt say much. I was XXXX  ( XXXX-XXXX  XXXX  XXXXXXXX  ) by Citibank. I couldnt buy a car. I still dont know what happened and I have to wait XXXX days. I just want my deposit of {$4600.00} returned to me now and an apology. Im still in shock!
Product: Credit card

I had being a customer of American express credit card for 11 year with never being late once since XXXX 2015 in which I thought the payment was due on XXXX XXXX 2015, but it was actually due on XXXX XXXX 2015. I was charge for a {$27.00} dollar late fee for which I call customer service to see if they can waive since it was the first time in 11 years that it had happened and I had being always a good customer by paying on time and having my paid on full most of the time. The representative asked to make the payment of the balance which I did immediately and then she declined to waive the late fee. I ask to be escalated to a supervisor and the supervisor also declined waiving the late fee. Most of the credit card companies would give a XXXX time pass for late fee since we are all humans and not computers and anyone can overlook the date of a payment. But American express I guess is in the business of profiting from late fee as well not matter what kind of customer you are. You can be great for 11 years and XXXX slight minor mistake of being late for a payment for 7 days and they do not work with you. That is why I want to submit this complaint so people can see how American express treats its customers
Product: Debt collection

ELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OBTAINED CAR LOANS, HOMELOANS, MEDICAL AND ETC. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX OPENED : XX/XX/2019 XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance {$330.00}
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and found several items on there to be inaccurate.under 15 u.s. code 1681 e b Accuracy of report whenever a consumer reporting agency a consumer report it shall follow reasonable procederes to assure the maximum possible Accuracy of the information concerning the individual about whom the report relates. 15 u.s. code 1681 i 5 Treatment of inaccurate or unverifiable information A in general if after any reinvestigation under paragraph 1 of any information disputed by a consumer an tem of the information is found to be inaccurate or incomplete or can not be verified, the consumer, or modify that tem of information from the file of the consumer report agency shall i promptly delete that tem of information from the results of the reinvestigation and promptly notify the fumisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report file immediately. Account XXXX XXXX  and also my old address update with my new address on my Personal information file
Product: Credit card or prepaid card

I filed my initial claim with AMEX on XX/XX/XXXX for {$840.00} and {$520.00} due to the ATM not dispensing cash. I waited over a month for the case to be investigated. During that time I didn't receive any provisional credit on my account, which is standard PRACTICE at every financial institution. I received correspondence from AMEX on XX/XX/XXXX that stated my claim was denied. In the letter, nothing was specified as to what documents were used in the investigation. ATM transcripts are unreliable and frankly speculatory, but I haven't even received that. ATMs malfunction, therefore more needs to be done to thoroughly investigate. To date, I haven't received any documentation that supports their findings. Moreover, I called to inquire about why my claim was denied and I was told I have to contact the ATM 's bank to receive a refund. That is factually incorrect ( go listen to that call like you did my previous one and educate your representatives on the proper procedure for this issue ). I've been with this bank for 3 years, make my payments on time, and keep my account current. Yet, I am being completely disregarded- and I am receiving substandard customer service. This is downright incompetency and carelessness. I will be reaching out to the news channel as well as the Federal Trade Commission regarding this issue if it isn't resolved. I have waited so long, without my money, and AMEX refuses to return it. Absolutely reprehensible!
Product: Mortgage

I received a response to my previously submitted complaint, Regulatory case ID : XXXX filed against PHH Mortgage Services and wish to dispute it. 
On 2/20/2019 I received letter titled " Recast Offer and One Time {$5000.00} Incentive ", see attachment, I followed the instructions and accepted the offer per letters instructions. The response dated XX/XX/XXXX claimed I received the recast amount of {$5000.00} which was applied to principal on XX/XX/XXXX. True, but, I also received another offer on XX/XX/XXXX. On XX/XX/XXXX I received a letter titled " Signed Recast Agreement - for your Records '', which on page 2 states " Whereas borrower recently made a prepayment of principal of XXXX XXXX dollars ( {$5000.00} ) -- -- -- - '' In reviewing principal payment history provided by PHH Services there is no payment credited for {$5000.00}. All activity regarding this credit occurred in XX/XX/XXXX, totally separate from the offer in XX/XX/XXXX. I am owed {$5000.00}, and have a notarized document signed by my wife and I and accepted by by XXXX XXXX, Assistant Secretary, PHH Services on XX/XX/XXXX stating such. 
I am still waiting on the authentication of principal increase of {$7900.00}. I am requesting an itemized statement showing how this amount was calculated.to come up with principal balance of {$330000.00}, and the supporting documents. What were the individual components arrears, deferred principal, etc..
Product: Mortgage

Basically, NATIONSTAR MORTGAGE continually raises my monthly payment by spending my escrow monies on fraudulent insurance policies which I have no need. The mortgage on the condo that I have owned for 16 years was recently reassigned to NATIONSTAR. I have been assessed fees and increases under the guise of " needed insurance ''. I have never let my property insurance expire since day one. Have annually supplied a copy of the condo master policy with flood insurance coverage and my " wall to wall interior '' policy to NATIONSTAR. Recently I refused another increase and forwarded my regular monthly payment, without their bogus increase, only to be advised that they were not going to apply this to my account. I now get threatening letters that they are going to report me to the credit bureaus for nonpayment. I am XXXX plus years old with a 820 credit rating that I value and do n't need to be threatened by these buffoons. 
I have tried, unsuccessfully, to settle these issues with letters, documents, and phone calls. 
I could go on and on. I have evidence to support my complaint. 
You would be doing the public a service if you could put this company out of business so others wo n't be harmed. 
Thank you.
Product: Credit reporting or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Account Dear TransUnion, I am writing to formally address a serious issue concerning the reporting of my XXXX XXXXXXXX XXXX  account on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I am requesting immediate action to rectify this situation. 

This account is currently involved in litigation, which has been documented and substantiated. According to Section 605 of the FCRA, consumer reporting agencies are prohibited from reporting accounts that are in litigation, as they may not accurately reflect the consumer 's creditworthiness and can cause undue harm to the consumer.

Furthermore, under Section 607 ( b ) of the FCRA, it is the responsibility of credit reporting agencies to ensure maximum possible accuracy in the information they report. The continued presence of this XXXX XXXX Bank account on my credit report, despite its status in litigation, is a clear violation of this requirement. It reflects a willful neglect to adhere to the legal standards set forth by the FCRA, which is not only unfair but also damaging to my financial standing. 

The inaccuracy in your reporting not only misrepresents my credit history but has also resulted in tangible harm, including difficulty in obtaining credit, higher interest rates, and emotional distress. It is imperative that you understand that these inaccuracies directly impact my ability to manage my financial situation effectively. 

As a statutory remedy for this violation, I am requesting the immediate removal of the XXXX XXXXXXXX XXXX account from my credit report. I expect a prompt response to this matter, including confirmation that the account has been removed and that my credit report has been updated accordingly. 

I trust that you will treat this matter with the urgency it deserves and look forward to your swift action. Please respond to this letter within 30 days, as required by law, to confirm the actions taken to resolve this issue. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My Huntington debit card and checking account were frozen due to multiple, legitimate deposits that I made to XXXX XXXX XXXX before and up to XX/XX/XXXX. I had attempted further deposits but received a deposit error since the card was locked. I then self-excluded from the app to protect my winnings which I received confirmation of on XX/XX/XXXX from XXXX XXXX. On the morning of XX/XX/XXXX, I called Huntington to unfreeze my debit card which they did. Approximately XXXX in deposit transactions were then processed bringing my balance down to XXXX. I contacted Huntington to dispute this since the charges shouldnt have gone through, and they closed my account and today denied the dispute. Theyve shown nothing but a complete disregard for fiduciary responsibilities and consumer protection. I deposited some XXXX since opening the account recently and instead of locking in the XXXX  remaining balance as I intended via self-exclusion, they let it get drained and then acted like I was the one doing something wrong by closing the account and ruling against me without asking for any documentation. The customer service rep from their dispute team today told me that I couldnt file a CFPB complaint because the dispute and account are closed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXX  Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX never gave XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft
Product: Credit reporting or other personal consumer reports

Provide verifiable proof from the credit bureaus that the " disputed by consumer '' comments have been officially and correctly removed from my credit report.

2. Provide a written statement from Citi and Best Buy confirming that all necessary steps have been taken to restore my credit profile and resolve any issues created by their actions.

3. Ensure that the situation is fully authenticated and no further steps are taken to prematurely close the case until all necessary actions have been legally and properly addressed.

It is important to note that Citi and Best Buy are responsible for creating this mess in the first place. They should be held accountable for not only correcting the errors but also ensuring that the correction is done transparently and with the necessary supporting evidence.

I trust the CFPB will act in a manner consistent with its mission to protect consumers from unjust practices and ensure that all facts are properly authenticated before resolving such issues. I look forward to your prompt response and further guidance on how we can ensure that this matter is fully addressed and closed in a manner that holds Citi and Best Buy accountable for their actions. 
Thank you for your attention to this request. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$11000.00}, opploans/finwise Account # : XXXX date opened XX/XX/XXXX bal. {$2200.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1600.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1500.00} XXXX XXXXXXXX XXXX, XXXX Account # : XXXX bal. {$1100.00}, XXXX XXXX Account XXXX XXXX XX/XX/XXXX bal. {$880.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$860.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$300.00}, The XXXX natl XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$240.00}, XXXX. XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$110.00}, XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX  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 this item 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.