23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I made a deposit payment of {$400.00} for my project at XXXX XXXX XXXX, using my Citi MasterCard-XXXX  to the individual XXXX XXXX 's Roofing who promised to do a certain job, but it turned out to be a fraud. He refused to do the job and refused to refund my money. I called to Citibank, told them about that and said, I would like to dispute the charge and got my money back. They promised to do that. After about 2 months of silence I called them again and asked what was going on. In reply the bank sent me a letter dated XX/XX/XXXX, saying they received the merchant 's response and based on that they closed their investigation and reversed their credit to my account. they said if I still wanted to dispute, I had to provide the complete details of the dispute, dates the merchant was contacted and the response. They asked me to respond by fax or email and include reference number : XXXX. they also asked for my signature on that request. I did sign it and sent BOTH email and fax to them on XX/XX/XXXX. After few weeks I received the letter saying since I did not replay, they closed the case. I called again, Lady I was spoken to admitted, they received my information, and promised to reopen the case. Last week I received a letter dated XX/XX/XXXX, they were unable to require the merchant to issue credit for this charge and their investigation remain closed. I am very unhappy how that bank treated my dispute.
Product: Mortgage

Chase has wrongfully bought insurance and billed me for it. I have several copies of emails to you showing the documents they need as proof of insurance for my condo under the master policy which I have repeatedly sent them. Please refer to all my emails sent to XXXX as per their mailed letters. Their automated response keeps telling me I will hear back in 5 days. However this never happens. Tired of chasing this matter and paying unnecessary/duplicative insurance premiums. This is flat out negligence and abuse. Zero customer service as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unable to get a pin number to unfreeze my credit at Experian. The website, and their automated phone service, told me to mail them documents proving my identity. I did that, I think it was around XX/XX/XXXX. But no word back from Experian. I did reach a human being on the phone at one point to ask about progress on getting me a pin, but he put me on hold and never got back to me -- I waited about 15 min. This was around XX/XX/XXXX. It's extremely difficult to get a human on the phone.
Product: Vehicle loan or lease

I took out my loan in XXXX. I continuously pay more than the balance owed. instead of applying the additional money to principal they apply to future payments forcing me to pay them interest. The only option to apply to principal is difficult. I believe that this to to force me to continue to pay them interest and add to their profits. I feel this is very deceptive and abusive. I feel cheated out of hundreds of dollars. I currently am due for an XX/XX/XXXX. The full year 's worth of payment would have reduced my principal by over {$5000.00}. I continue to be charged interest on this balance.
Product: Mortgage

XX/XX/XXXX An entry is made to my mortgage account by TD Bank ( TD ) in the amount of XXXX with no explanation of what the charge represents. 
XX/XX/XXXX A message is sent to TD through their online customer service asking for clarification of the charge of XXXX. A response from XXXX TD Bank Digital Specialist does not answer my question and provides an XXXX number for review and assistance. 
I was unable to reach anyone using the XXXX number and contacted the local XXXX TD branch for assistance who informed me the issue was with my insurance coverage. 
I contacted my insurance provider who confirmed that my coverage was current, that there had been no lapse in coverage and that all notification of insurance as required had been sent to TD in a timely manner. My insurance provider resent the information to XXXX at that time. I received no acknowledgement from TD regarding that notification or clarification of the escrow disbursement. 
On XX/XX/XXXX another message was sent to TD asking for clarification of the escrow disbursement charge and why my {$700.00} XXXX payment was not credited to my loan. 
My XX/XX/XXXX mortgage payment to TD of {$690.00} was received by TD and listed as a miscellaneous payment. 
On XX/XX/XXXX a miscellaneous receipt of XXXX appeared in my mortgage account with no explanation. I do now know what this entry represents. 
On XX/XX/XXXX I contacted XXXX at TD XXXX Branch for clarification. No explanation was available. 
On XX/XX/XXXX XXXX called and stated that my mortgage account was part of an audit and that she could provide no more information about the account. 
My XX/XX/XXXX mortgage payment to TD of {$690.00} was received by TD and listed as a miscellaneous payment. 
On XX/XX/XXXX mortgage payment to TD bank of {$690.00} was paid. 

I have received no information from TD to clarify the information regarding the Escrow Disbursement nor the miscellaneous receipt on XX/XX/XXXX nor the status of my last three three mortgage payments. 
This is the third complaint I have made regarding this bank and their lack of transparency as to status of my mortgage payments and their erroneous banking audit. 
I have also not received mortgage statements for the past three months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of info on my credit report that is not correct and I had identity theft with a checking account and the address below do not belong to me. Please remove incorrect info Never Lived at the below address XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My address is XXXX XXXX XXXX, XXXX Ohio XXXX and i have lived there for over 10 years Please remove all other addresses address Below inquires I never applied for anything during this time, please remove these from my credit report. This is very scary, Im young and don't even want credit at this time. 

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 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: Checking or savings account

on XX/XX/2022 I recieved this text which I know is a scam XXXX XXXX : Your Account has been placed under review. Please visit https : XXXX to prevent further account closure
Product: Credit reporting or other personal consumer reports

Consumers are using my credit without my consent. Unauthorized accounts are on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX aka XXXX XXXX XXXX aka XXXX Bank, account number ending in XXXX On XX/XX/XXXX XXXX. sold the alleged debt of {$2000.00} and ownership of said account to XXXX XXXX XXXX. In XX/XX/XXXX I reached a dispute settlement with XXXX. in regards to the account. On XX/XX/XXXX XXXX. changed the account balance to {$0.00} and then closed and deleted the account from my credit reports. Please see attached letters from XXXX. and XXXX for verification. Over 30 days later on XX/XX/XXXX XXXX recalls ownership of the account from XXXX. Then on XX/XX/XXXX XXXX relist the account on my credit reports under their name with the old balance of {$2000.00}. The letter from XXXX. clearly reflects the account balance as {$0.00}. Closed and Deleted.
Product: Credit card or prepaid card

I booked some flight tickets in XXXX using my HSBC credit card for travelling in XXXX. I paid the credit card bill before the due date. Due to COVID, flight got cancelled and airline declined to refund the amount I paid. I raised a dispute with HSBC and they refunded the money in my credit card account in XXXX which resulted into a big surplus balance ( more than USD XXXX ) in my credit card account. I started using that balance by using that card for all my shoppings and other expenses. Till XXXX XXXX, I could use more than USD XXXX. I still had around XXXX XXXX surplus balance left in the account. After few days, when I checked the balance, I found that balance was nil. I called HSBC customer service and found that they issued a check for the balance amount without asking me and they dispatched it through mail. When I called them after few days to inform that I hadn't received that cheque and I wanted the tracking details, they said they can provide tracking details only after 14 working days from the date of dispatch. I waited for 14 working days and then they said they don't have any tracking details since it was sent through ordinary mail. 
I waited till XXXX XXXX and then called them again and asked them to issue a new cheque, dispatch it through XXXX or XXXX and share the tracking details. They said they will act on it and will share the tracking details by XXXX XXXX. I called them on XXXX XXXX, they didn't have any update. I called them on XXXX XXXX, and they still don't have any update. So after wasting a lot of my time and efforts I don't have any cheque or any money in my hand without any responsibility being accepted by HSBC for the mess they created.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information
Product: Consumer Loan

Auto pay was supposed to be paused for this month, I spoke with two BMWF reps previously on different occasions, both stated auto pay was or supposed to be paused for this month and next month, continuing for the month of XXXX. However, a payment in the amount of XXXX was taken out today, XXXX, which caused me an overdraft fee in the amount of XXXX and was paid. The item was placed in dispute since I was told auto pay was paused previously, as stated before. The item is overdrawing my account and needs to be credited back, hence the dispute. I am paid up until XXXX, even without payment posting.. A rep by the name of XXXX stated he could look into crediting any fees associated with the payment taken from my account, the attach screen shot shows the two overdraft fees pending currently, in the amount of XXXX total, labeled at debit card authorization. I need XXXX credited back ASAP as well as payment in the amount of XXXX.
Product: Credit reporting or other personal consumer reports

I have an installment loan on my credit report that is not me. It is uplift llc for about {$6000.00}. I have never heard of these people, did not take a loan from them and have never had interaction with them. I called them to try to work it out and they said they could not find my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

To Whom It May Concern, On XX/XX/19 I received a letter from Radius Global Solutions, a collection agency in XXXX, FL, on behalf of XXXX XXXX XXXX. The notice was for a balance for {$980.00} for an unknown to me at the time services/fee/charge. I reached out to Radius on XX/XX/19 to validate the debt and make the necessary arrangements to have this taken care of. I found out that this was the deductible balance owed on a leased vehicle through XXXX to which I was a co-signer for a XXXX XXXX as the primary account holder. XXXX and I do not live together, nor communicate so at the time I had no idea this balance was even owed. I never once received a call or letter from XXXX stating that the balance was due and if not paid the account would be forwarded to collections and listed as a charge-off on my credit report. Had it been made aware of the debt I would have seen to it that it was taken care of by XXXX and/or paid the balance off myself to protect my credit. 

On Saturday XX/XX/19 late evening I received a notification that XXXX had listed the account to the credit bureau as a charge off / collections account negatively impacting my credit score. I called Radius on XX/XX/19 to find out what as going on and they indicated that this was coming directly from XXXX. After calling XXXX to dispute this listing the CSR was not helpful, quite rude, and I got nowhere. The line I was told over and over again was " we are contractually obligated not to speak to you about this account ''. Even though they are the ones who are reporting this to the credit bureau. I'm writing to you today in hopes that this will create some buzz and ultimately get XXXX to remove this from my credit report as the debt was never validated and now they are screwing up my score. 

I would like to make it very clear that RADIUS GLOBAL has been great to work with. My issue is only with XXXX XXXX XXXX XXXX! 

Best regards, XXXX XXXX XXXX XXXX Radius Global Solutions Acct : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 -XXXX XXXX XXXX XX/XX/2021 -XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 -XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

This company is collecting on a medical debt that has been paid by my previous employer and is not my debt. This company is reporting the incorrect amount of my credit report and has not labeled the debt as a medical debt.
Product: Credit card

XXXX went through standard protocol of verifying everythimg even though nothing has changed. I simply stated that nothing has changed and that the letter should be sent to the address that they have on file. It has been XXXX week since the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, 1st Investors Financial Services acquired unauthorized access to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN Under 15 USC 1681 b -permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXX NEVER gave XXXX XXXX TRANSUNION XXXX XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. Concerning the accounts linked below as a consumer demanding deletion of these accounts. XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/2020 My XXXX XXXX number is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX had called me and I tried to negotiate money owed down to a smaller amount. They would not agree. Now the this old enough to come off my credit report. Its been 5 years and should be removed. Money owed is {$500.00}. the account was opened in XX/XX/XXXX, XXXX the original creditor is XXXX CAPITAL ONE BANK USA
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXX XXXX
Product: Debt collection

Security Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  received my despute and has not responded
Product: Credit reporting, credit repair services, or other personal consumer reports

To Transunion & XXXX  -- -- - XXXX  XXXX XXXX  XXXX  repeatedly labels all and every request and complaint with Consumer Financial Protection Bureau as duplicate even though they have yet to reply and answer any request or explain themselves. XXXX  XXXX is mocking our government. They are either understaffed or having money problems. I will not stop until I receive an explanation or a valid permissible permission subsequent to the fraudulent loan # XXXX together with copy of the credit report that was pulled. Failure to comply with obligations under the FCRA is a negligent violation.
Product: Debt collection

I was without insurance because I took care of my mother for 12 years before I started back to work. I wasn't given an option or notified about the debt. I didn't even get a collection calls.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SYNCB/AMAZON - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card or prepaid card

I have been with Citibank for a long time I have checking savings and 2 credit card accounts with them. Recently they closed one of my credit cards because I hadnt used it and I lost almost 30,000 thank you points. I was unaware of this. I do online banking and online my account is still there and I have no I do at all about the closure of that account and the loss of my points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Account XXXX & XXXX was deleted between XXXX XXXX XXXX, and XX/XX/, and you reinserted them between XXXX XXXX XXXX, and XX/XX/, without notifying me 5 days after this account is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.