23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Request for Waiver of Interest Charges Dear Sir/Madam, I hope this letter finds you well. I am writing to formally express my dissatisfaction regarding the recent interest charge of {$2300.00} applied to my XXXX XXXX XXXX XXXX XXXX Card account. Despite my consistent efforts to manage my account responsibly, I was surprised to see this substantial fee on my recent statement. 

I have reviewed the transaction details and the associated terms of my account. However, the explanation provided by your customer service representative was not clear, and I am unable to understand the basis for this high interest charge. As a loyal customer who values the services provided by XXXX XXXX XXXX I am deeply concerned about this unexpected financial burden. 

I would like to inform you that I have paid all the amounts I owe to the card, minus the {$2300.00} interest charge. Given the lack of clarity and my commitment to maintaining a good credit standing, I kindly request that you review my account and consider waiving this interest charge. I believe this adjustment would be a fair resolution and would greatly alleviate the stress caused by this situation. 

I appreciate your attention to this matter and look forward to a prompt and favorable resolution. Please feel free to contact me at XXXX or XXXX if you require any further information. 

Thank you for your understanding and cooperation. 

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

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need you to DELETE the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I bought {$200.00} XXXX gift card using my Discover CREDIT card. 
When I tried to use it, the barista at XXXX said the cards had {$0.00} balance. I contacted XXXX and they kept giving me a turn around. They said someone would email me regarding the result of investigation. Then I got an email from XXXX saying I needed to call to have the matter looked at. Then it went back and forth for several times without a solution. So I contacted Discover asking for a charge back ( that was what credit card customer service was for : to assist customer with situations like that ). Discover said they could not help any situation involving customers and merchants ( even though the customers were cheated ). 
Card number XXXX
Product: Debt collection

This is an old accounting XXXX agency needs to remove and cease all firms of communication
Product: Checking or savings account

My account with chime was done up until I got upset and said I wanted to close out my account. All of sudden I have no access to my account and are claiming fraud. 

I was upset because they claimed to have send me a replacement card but it was over XXXX  months and hadnt received the XXXX they sent. So I contacted them and was extremely upset. After communicating that I wanted to close out my account, they took access away from me.
Product: Debt collection

Heartland resolution group keeps calling me and letting it ring one time. They don't leave a voice mail and they don't give me time to answer the phone. This is harassment. I want them to stop calling me. When I called them back the person that answered just antagonized me.
Product: Student loan

I have XXXX Stafford Loans, original amounts of {$8600.00}, {$10000.00} and {$9500.00} - Total {$28000.00} - originating XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. My current balance as of XX/XX/XXXX is {$30000.00}. 
My husband and I filed Chapter XXXX Bankruptcy XX/XX/XXXX due to having a very ill son ; we were in a 5-year XXXX repayment plan which ended XX/XX/XXXX. During these five years, the Indiana Trustee, through the XXXX XXXX XXXX, paid a total of {$19000.00} to the US Department of Education and XXXX XXXX XXXX ( now XXXX ). Great Lakes is now my service provider. I have provided proof of payment several times to Great Lakes only to be told that they do not show any payments being made to XXXX XXXX XXXX ( now XXXX ) in the amount of {$8600.00}. They do show some payments made to the XXXX XXXX XXXX XXXX, but not all of them approximately {$6000.00} although {$11000.00} was actually paid. 
After we were out of the bankruptcy, Great Lakes started demanding payments of $ XXXX/month. I called and explained that their figures were incorrect. After all of the payments made by the Indiana Bankruptcy XXXX, I should have a remaining balance of approximately {$8900.00} plus some interest. I have called Great Lakes, spoken to a Manager, sent proof of payments from the XXXX XXXX XXXX, written letters, including to the US Department of Education, searched the internet for assistance, etc. I am getting no where with these people. I have placed my loans in forbearance because I can not afford the $ XXXX/month payments, the loans will come due XX/XX/XXXX. I need help. I am XXXX years of age and will be retiring very soon, I was hoping to have this mess behind me before I retired. I am writing to you because I saw a news article about a law suit that the CFPB has filed against Navient for cheating millions of students. Let me know what I need to do. Thank you.
Product: Checking or savings account

last year XX/XX/ i saw an advertisment from wells fargo bank advertising if you open a checking account and have qualifying direct deposit totaling {$1000.00} before XXXX XXXX you will receive {$200.00} bonus. I never receive the {$200.00} but it shows that i did in my transaction history. I reached out to wells fargo they were supposed to put in a dispute claim with information i shared to them. Also my checking account is now closed because of late fees for a overdraft they said that was on my account. I filed a dispute on that transaction as well, at least i thought i did. When my account got closed it would not grant me assess to well fargo mobile app because the account was closed, so i can not give definitive answer as to how much the account was overdraft. 
# 1. I'm assuming the dispute was never put in because my account is closed. # 2. Even though i put in dispute if wells fargo would have properly filed the dispute for the missing bonus money or even had they given it to me, it would have covered whatever they are saying the overdraft amount was, my account would have still been open. If your able to check my transaction history from XXXX  of last year, you will see that there was well over a {$1000.00} worth of qualifying deposit. I hope this gets work out for everybody invovled. This is the second time wells fargo closed my account for something that was not my fault
Product: Debt collection

filed for Bankruptcy in XXXX. Still getting call from collection agency attempting to collect on castle payday loan. Have a XXXX form sent from castle Payday for cancellation of this debt. Received a call from XXXX Service.wanting me to pay this. spoke with XXXX XXXX XXXX, phone XXXX they called XXXX. Then on XXXX received a call from XXXX XXXX with XXXX XXXX saying I was being sued for check fraud by castle Payday. Explained to this person that this has been canceled in bankruptcy, also faxed the dept cancellation form from castle Payday. What can I do to stop these call. Every XXXX XXXX months I get these calls. XXXX phone XXXX. Your help is appreciated.
Product: Credit reporting

FRAUDULENT INQUIRES WERE INITIATED ON MY CREDIT FILE. A FRAUDULENT INQUIRY FROM EQUIFAX MORTGAGE SERVICES & A FRAUDULENT INQUIRY FROM XXXX. REMOVE FRAUDULENT INQUIRIES FROM CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The options that I took was I believe the closest to the problem that I am having. My problem is that I believe the credit bureau TransUnion has done a criminal act to me. Sometime inXX/XX/XXXXI requested a copy of annual free credit reports from all three bureaus. OnXX/XX/XXXX TransUnion issued me a letter stating that they needed proof of my current mailing address and requested that I send them two documents that show my current mailing address. So I sent them a copy of a cancelled check and a copy of a phone bill. The cancelled check was dated XX/XX/XXXX. Check number was XXXX. The amount of the check was for {$15.00} and made out to XXXX. I also included a check in the amount of {$9.00} made out to TransUnion for my credit score from them. The check number is XXXX. On XX/XX/XXXX I received a check from TransUnion. The check number is XXXX  and they stated that the check that I sent them for the credit score was greater than the cost of the score and that they are enclosing a refund of the overpayment. The amount of their check was for {$5.00}. I did not cash this check. I called them up numerous times wanting to know why the check that I gave them for my score, check number XXXX  for {$9.00} has not been cashed by them. They said that they used the copy of a cancelled check that I gave them to show my proof of address, as the check for the credit score. Check number XXXX   for {$15.00}. Hence why the check from them for {$5.00} was issued to me. I feel they are trying to get me charged with using a copy of a cancelled check to purchase my credit score from them. As mentioned above I used the copy of my cancelled check for {$15.00} to show proof of my address. I included a check for {$9.00}, check number XXXX  for my score. They have this check, I just know it. I feel this is criminal what they have done. I called you on the phone and you were going to send me paper forms of the complaint to fill, so I could attach documents, but you have not. So I'm doing this complaint online. I hope you can look into this asap. Thank you.
Product: Checking or savings account

I believe Chase Bank my account has been overcharged especially since XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I noiced fraudulent accounts. Please delete them
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following unauthorized hard inquiries appearing on my TransUnion credit report XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), Section 604, hard inquiries can only be listed on my credit report when authorized by me or initiated as part of a permissible credit transaction. I have no recollection of authorizing these entities to perform hard inquiries into my credit file. Under the FCRA, unauthorized inquiries constitute a violation of my consumer rights. As such, I am requesting immediate removal of these inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I opened an individual credit card account with American Express. Initially, things seemed manageable, but circumstances took a downturn after losing a child. 

XX/XX/XXXX : The account balance was {$6900.00}, with a past due amount of {$1700.00}. It was marked as " CBG/> '' and rated as " COL, '' indicating that it was transferred to collection. 

XX/XX/XXXX : The balance decreased to {$4800.00}, with no past due amount. However, the exact remarks are unavailable, but it was still rated as " COL, '' indicating it remained in collection status. 

XX/XX/XXXX : The balance increased to {$5000.00}, with no past due amount. The remarks were " CLA<, '' and it was rated as " COL, '' indicating it was still in collection status. 

XX/XX/XXXX : The balance further increased to {$5200.00}, with a past due amount of {$170.00}. The remarks were " CBG/>, '' and it was rated as " COL, '' indicating continued collection status. 

XX/XX/XXXX : The balance grew to {$5300.00}, with a past due amount of {$380.00}. Unfortunately, specific remarks are unavailable, but it was rated as " COL, '' indicating continued collection status. 

XX/XX/XXXX : The balance reached {$5500.00}, with a past due amount of {$600.00}. The remarks were " PRL<, '' and it was rated as " COL, '' indicating ongoing collection efforts. 

XX/XX/XXXX : The balance escalated to {$5700.00}, with a past due amount of {$820.00}. The remarks were " CBG/>, '' and it was rated as " COL, '' indicating persistent collection actions. 

XX/XX/XXXX : The balance was {$5800.00}, with a past due amount of {$1000.00}. Unfortunately, specific remarks are unavailable, but it was rated as " COL, '' indicating ongoing collection efforts. 

XX/XX/XXXX : The balance remained at {$5900.00}, with a past due amount of {$1200.00}. The remarks were " PRL<, '' and it was rated as " C/O, '' signifying that it was charged off by the account provider. 

XX/XX/XXXX : The balance remained at {$5900.00}, with a past due amount of {$1500.00}. The remarks were " CBG/>, '' and it was rated as " C/O, '' indicating that it was charged off by the account provider. 

Amidst these challenging account events, XXXX assumed responsibility for managing and resolving the debt. They stepped in as a debt management agency, actively communicating with both me and American Express. Their involvement played a crucial role in facilitating discussions, negotiations, and establishing a clear path towards resolving the outstanding debt, despite the ongoing calls from American Express.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX  XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$650.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 
15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

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

THEY HAVE NOT REMOVED INFORMATION THAT I NOTIFIED/ REQUESTED REMOVED DUE TO FRAUD AFTER SENDING THE DOCUMENTS TO PROVE MY ADDRESS ALSO IDENTIFICATION AND UTILITIES BILLS WERE GIVEN NUMEROUS CLOSED ACCOUNTS NOT ASSOCIATED WITH ME AT ALL STILL REMAIN ON MY REPORTS DUE TO FRAUD THAT I REPORTED, AND THESE ISSUES STILL REMAIN A MAJOR STRESS FACTOR IN MY PURSUIT OF HAPPINESS I HAVE NO STUDENT LOANS!
Product: Credit reporting, credit repair services, 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 deleted : XXXX XXXX  Bankruptcy Reference Number : XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXX XXXX XXXX Owed : {$25000.00}.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been trying to call and speak to a representative of Experian credit report. I have had no luck to talk to them of credit fraud and a freeze on the credit. My bank advised me to Reach out to all 3 credit reports and see what was going on, since I tried to get a personal loan and my credit was flagged down to where they couldnt get information.
Product: Credit reporting or other personal consumer reports

XXXX Department, XXXX, XXXX TransUnion ] Re : Dispute of Credit Information due to Data Breach I am writing to dispute certain information on my credit report which I believe may have been compromised due to a recent data breach involving [ Name of the Company where data breach occurred, if known ]. I am requesting an investigation into the following Dispute : This account 's information have been exposed in the data breach, potentially leading to unauthorized access or fraudulent activities. I request verification of the account 's authenticity and review for any signs of fraud or inaccuracies.

Dispute : Similarly, there is concern that this account 's data was compromised. Please investigate for unauthorized changes or activities post the data breach date.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third and FINAL written request for you to comply with the law regarding the following derogatory account data which is clearly unverifiable. I have every intention of pursuing litigation in accordance with the FCRA to enforce my consumer rights and to seek full relief, recovering all monetary damages that may be available to me under Sections 616 and 617 for your continued willful, negligent noncompliance and blatant disregard for the law, regarding the following account data ( including, but not limited to, payment history and payment statuses ) :
Product: Debt collection

XXXX XXXX XXXX XXXX checked my credit report on XX/XX/2021 and I noticed some fraudulent accounts that's reporting to my credit report I attempted to reach out to the credit reporting agencies and I was not able to resolve the issues.