23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My name is and I find that Amazon.com Rewards card billing practices are deceitful and confusing. I contacted the company in the middle of XXXX to notified CHASE that I lost my wallet and as a courtesy would they please cancel the late charge and I would make both payments in XX/XX/XXXX. I was told by the customer service representative in XXXX that this information would be included in my account and I would not be charged the late fee. I recently made a {$60.00} payment in XXXX and was given and overcharged {$25.00} for not including {$4.00} in the in the {$60.00} payment. I 'm now paying a {$35.00} late fee for {$4.00}. This is usury and I can not afford this payment. I called Amazon Chase XXXX/XXXX/2016 and explained this to XXXX who only brushed me off and continued to insist that I pay the {$35.00} late fee. I was cancelled out of XXXX late fee only to be billed with another XXXX. I think this is not fair and of un sound business practices. Please help me because Amazon Chase is tryin to rip me off. My account number ends in XXXX. Thank you very much for your help! XXXX XXXX
Product: Prepaid card

My social security direct deposit came on the XXXX. They have not posted it. It is now the 4th. The only action they have done is an email telling me to call the automated system, that I can't talk to a live person on. My check is {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB - I've reached out to the creditor XXXX requesting a copy of the 1099c form filed for the charged-off " Account XXXX ''. Attach you will find the certified letter mailed to XXXX requesting this document to provide to my CPA - as well as 2 phone calls made to the creditor requesting that they send this information over. I've have yet to receive the 1099c form. 

Because XXXX have not sent over the 1099c form as requested on three different occasions, I've come to the conclusion XXXX has/is committing " Tax Fraud XXXX and I plan to report this issue to the IRS if this account is not removed from my consumer report within 5 business days.

This account is a charge-off which is cancelled debt and because this a cancelled debt the creditor " HAD '' to file a 1099c form. Because a charge-off is cancelled debt this means this account is classified as taxable income- which taxable income should not be reported on my consumer report.

According to 15 us code 1681 a 1 The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

This is " '' Inaccurate '' reporting and im requesting a deletion of this account from my consumer report ASAP.
Product: Mortgage

The lender states that the loan has a sale date for XXXX/XXXX/17 and the refuse to review the file - we were informed by the opposing counsel that the sale date is actually set for XXXX/XXXX/17 - at this point we fell the lender is unwilling to assist this client in obtaining a loan modification and is violation of RESPA guidelines.
Product: Debt collection

I received XXXX calls from Capitol Management in XXXX Ny all within a 3 week period asking for XXXX different debtors who have absolutely no relation to me. When my husband called them back after the XXXX call he was told that my number appeared on XXXX different accounts there all in the same department & that was not an unusual thing to happen. I let it go, thinking that might be true until my XXXX year old daughter received a call on her cell phone ( under my name ) asking for another different name. I then decided to call myself and was told that her number and my number would be removed. The man stated that he could not tell me how my number or my daughters number got on all of those accounts but clearly one of there employees intentionally placed the numbers there to harass me. It was completely swept under the rug to cover up there illegal practices. I was told that I would need to call back and talk to there compliance department. If adding peoples number to an account to harass someone you just do n't like is a common practice for them then they should be out of business. I will be filing an attorney general complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. 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 creditor 's customer service representative.
Product: Credit card

My wife, XXXX, and I have a joint XXXX account issued by Citibank , N.A . On XX/XX/XXXX, XXXX was preparing for a trip to XXXX where she planned to rent a car from XXXX. To verify that rental car insurance was provided in XXXX as a benefit of our credit card, I telephoned Citibank on that date. I provided our account number and was told we indeed had rental car insurance as a benefit. I asked her to confirm this, and that afternoon XXXX received an email from Citibank bearing the subject, " letter of coverage '' and attaching a " XXXX XXXX XXXX '' ( copy attached ). 

On XX/XX/XXXX, XXXX arrived in XXXX and rented a car from XXXX. In reliance on the representations from Citibank, XXXX declined the XXXX damage waiver, paid for the rental with our Citi XXXX, and fulfilled all the other requirements stated by Citibank in the Certificate it sent to us. The cost of renting the vehicle was XXXX Euros ( or {$380.00} ), with an additional charge of XXXX Euros ( {$5400.00} ) as a deposit to be used in the event of damage to the vehicle. 

On XX/XX/XXXX, XXXX walked to the XXXX XXXX XXXX XXXX XXXXXXXX to get the rental car and drive to the XXXX XXXX for her return to the XXXX. She found someone had smashed a small window at the rear of the right side of the car. There was no other damage. Because the damage waiver had been declined, XXXX sent XXXX an email attaching an XXXX Report XXXX ( copy attached ). It indicated that it would charge the security deposit she posted when she rented the vehicle for the cost of repairing the car, which was to be a maximum of XXXX Euros ( {$320.00} ), plus up to 15 % of that figure. 

On XX/XX/XXXX, after returning to the XXXX, XXXX and I called the number provided by Citibank on its coverage letter to make a claim. As it turned out, that number was to the Citibank cards benefit office. We were told rental car coverage had been dropped as a benefit of our card in XXXX. When we explained we had received a coverage letter from Citibank, we were told that did not matter and because there was actually no insurance coverage as a benefit of our card, Citibank , N.A . would do nothing to help us.
Product: Debt collection

I received numerous phone calls from Portfolio Recovery Associates, LLC through day and night to my new telephone XXXX that I received from my cable company. I notified Portfolio Recovery that I am the wrong person that they are trying to collect the debt from. I asked them to remove the number from database multiple times and Portfolio Recovery refuse to do so.
Product: Checking or savings account

I have a checking and savings account with Wells Fargo Bank. I went online to check on a deposit and on the page with my account summary, at the bottom of the page were " deals ''. My computer was frozen and I tried to unfreeze it and inadvertently hit the " Start '' deal at the bottom of the page. I forced my computer to shut down and went back to the Wells Fargo website and found that there was no way to deactivate this cash back deal. 

Wells Fargo refuses to remove/deactive the deal. I repeated that I did not want it. And I was told it can not be done. I was read the various terms and conditions and repeated to XXXX at Wells Fargo that I do not want it, that it was activated when I tried to unfreeze my computer. She again said there was nothing to be done. Between chat and calling Wells Fargo, I spent over an hour trying to get this " deal '' deactivated with no success. 

Let me begin by saying, placing these deals at the bottom of one 's account page and offering no way to deactivate in my mind is dishonest and unscrupulous. 

I am reporting this as I am furious at Wells Fargo 's actions or rather inaction and will take steps to re route my social security and other linked accounts and close my account. 

This is unacceptable behavior.
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
XXXX Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX XXXX # XXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
Product: Checking or savings account

I have had a fraud block on my Citibank account since XX/XX/2020. I called and they stated via telephone that the account was due to be closed after 30 days. It has been more then 30 days. They still allow deposits into my account. They will not notify me via mail, telephone, or email about why my account is like this. I have had my stimulus check deposited into that account and I am not receiving any mail.
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. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


XXXX XXXX XXXX FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete this account XXXX 


2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


8. The inquiry was not authorized XXXXXXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below had violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. 
I told XXXX, Transunion, and XXXX to reinvestigate theses Accounts XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # : XXXX XXXX XXXX account # : XXXXXXXX XXXX XXXX XXXX  account # : XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX as ( Orgingial XXXX XXXX XXXX XXXX ) account number # : XXXX XXXX  ( Orgingial Creditor : XXXX XXXX XXXX XXXX account # : XXXX XXXX  account # : XXXX XXXX account # 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 : Its 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 information any other adverse item of information, other than records of convictions of crimes which which antedates the report by more than seven years.

15 U. S. C 1681 ( A ) ( 1 ) a person shall no 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. Also they aren't even in compliance with metro credit reporting. I have Evidence to prove my case
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical bill placed on my report that was already paid due to an automobile accident. I have submitted the paperwork and the company and the bureaus have refused to update and remove this from my credit report. I even went to court with the company showed my proof to the judge and it was dismissed I sent in proof from the court with my complaint to the bureau yet on my current dispute they said it was accurate and didn't remove it.
Product: Debt collection

I have reason to believe I do not owe this debt. This company is not licensed to collect debts in the state that I reside in ( XXXX  ). You must cease attempting to collect this alleged debt until after you have provided proof of the appropriate state license. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. This has been reported to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian several times trying to dispute a fraudulent account I have supplied a FTC report and a police report and the credit bureau still refuses this account that was a result of fraud. I have not been supplied any verification documents or any information in regards to why the account was not removed. The police report and FTC report clearly states I never opened this account and it is not mine and needs to be removed. 

XXXX XXXX- {$1500.00} Date Opened XX/XX/2019 2019
Product: Checking or savings account

I am trying to close a checking account with Huntington Bank in XXXX, IL on XX/XX/2021. I took my money out of the account prior to then, so that it is easier to close. The bank charges me {$25.00} per month if my account is below {$10000.00}, so I need to close the account before they assess me the fee. They are not allowing to close my account online, by phone, or by video call. I called both the national support number and the closest bank branch.
Product: Credit reporting or other personal consumer reports

I've realized there are Unauthorized fraudulent accounts. 
My social security number has been used, however I recieved no benefit.
Product: Checking or savings account

On XX/XX/2023 I disputed XXXX transactions XXXX from XXXX {$59.00} and XXXX from XXXX {$19.00} {$9.00}, {$99.00}, {$69.00}, {$69.00}, {$49.00}, {$49.00}, {$19.00} totaling. {$440.00}. On XX/XX/2023 my dispute got approved but no credit was given as the bank chime stated that the merchant refunded me the credit on XX/XX/2023 so I check my statement myself then I call them to go over it with me so they can show me where on XX/XX/2023 did I receive the credit and they couldnt find the credits given by the merchant there was only XXXX refunds provided XXXX for {$49.00} and another for {$69.00} so Im still missing {$320.00} as the merchant never refunded me the {$320.00}.
Product: Bank account or service

My late mother passed away a year ago. She left a creditcard with Banco Popular of Puerto in her name with a high balance. The credit card division has filed a lawsuit demanding payment. My Attorney XXXX XXXX XXXX has approached the credit card division of the bank and negotiated an agreement to pay off the outstanding balance from {$38000.00} to {$24000.00}. My surving father has two CD 's which add up to more than {$100000.00}. My Attorney suggested to the bank that one of the Cd 's be cash and the monies be applied towards the outstanding balance. The people at the consumer division of the Banco Popular refuse to do this. Neither I nor my XXXX sister have that kind of money. Could you folks please help me with this problem? I have dealt before with the bank 's Attorney XXXX XXXX XXXX XXXX at the banks legal division at XXXX ext. XXXX. I think the solution suggested makes common sense. Thank you for all previous help and may XXXX bless all of you! 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote Equifax to investigate hard inquiries on my credit report I never gave permission to the companies reporting them to check my credit. They received no type of verbal or written authorization from me to check my credit file with you. Not only did I never receive a response back to my letter, the fraudulent inquiries remain on my credit report still. Please investigate and remove them. I already contacted the companies reporting them and they said I needed to contact the bureau, which is what I did. I appreciate your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday XX/XX/22 I received a credit alert that i had a hard Inquiry from XXXX XXXXXXXX XXXX on my Trans Union Credit Report that i did not do or apply for. I called Trans Union and they gave me this file # XXXX and said i must file a report or dispute with you guys to get it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent over a dispute to Transunion on a charged off XXXX XXXX account regarding metro 2 compliant errors see below. 

The " Date of Last Activity '' is listing XX/XX/XXXX The " Opened Date '' is listing XX/XX/XXXX The " Closed Date '' is listing XX/XX/XXXX *This is not possible and totally inaccurate* Fast Foward XX/XX/XXXX Transunion sent me back results. I get them in the mail XX/XX/XXXX claiming they updated information " BASED ON MY DISPUTE ''. They updated the " Date Updated '' and " Past Due Rating ''. 

NOTHING else was updated nor was the metro 2 errors fixed. These errors are still reporting on my credit file. I have previously disputed with Transunion regarding this account on their inaccurate, incomplete and unfairness many times and they still fail to fix anything. Transunion is still reporting a " Past Due '', the payment history continues to be incomplete not showing the full report history and continuously fails to notice of dispute in the remarks section on my report regarding this XXXX XXXX account. This account has many inaccuracies and I feel as though Transunion is in non compliance and refusing to properly investigate this account. I have also noticed the file number not being changed throughout my dispute process regarding new investigations. I have sent out method of verifications to Transunion on this account and Transunion and XXXX XXXX have failed to provide any information to me on how they verified this account in my previous disputes again showing me that they are in non compliance and continuing to not abide by FCRA laws. This account is unverifiable, incomplete, inaccurate and completely unfair and Transunions reporting procedures is highly damaging to my credit score. 
I will include all my dispute letters starting XX/XX/XXXX, method of verification sent with a return receipt, and all Transunion 's result responses to this complaint. 
Hope you can help me, Thanks