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

I am a military member XXXX from XX/XX/XXXX to XX/XX/XXXX, while XXXX, I disputed a charge on my Credit Card to Citibank for a service that I did not use. I had issues with the vendor not reimbursing me so I disputed the charge through Citi Bank. 

Citi Bank later emailed me to my personal email account late XXXX and gave me 5 days to respond or they were going to put the charge back on my card. I was XXXX at the time and did not have reasonable access to my personal email account so they put the charge back on my card. I called Citi Bank to file a re-dispute but they refused because I did not respond in time to their email. Again, I was XXXX at the time and did not have readily available access to my personal email account. 

When I returned from XXXX in XX/XX/XXXX, I called Citi Bank to let me re-dispute the charge since I was back stateside I would have access to respond to emails. They refused my request again.
Product: Credit reporting, credit repair services, or other personal consumer reports

A cashier convinced me to get a XXXX XXXX department store card to save money on a purchase. Against my better judgement, I did. I forgot I had the card until a late payment showed up on my Experian credit report on XX/XX/2019. I moved twice in 2019 and didn't receive the bills in the mail as XXXX XXXX has an old address on file. On XX/XX/2019, I paid the XXXX XXXX card off. A total of {$280.00}. 

Before this, I have never made a late payment in my life. Nevertheless, my FICO score dropped 79 points. This is a crushing blow, considering I just started building credit aprox. 10 years ago. 

I opened a dispute with Experian. They closed the issue, but would not tell me the outcome of the investigation or what will happen next. I also contacted their dispute center directly via the phone. The first representative asked me to upload documents at experian.com/upload and said he would not be able to supply any other information. The upload web page did not work, so I called second time. The lady told me my documents had to be in black and white, to clear my cache/cookies, and had to be less than X amount of MB in file size. She would not hold while I converted the documents to black and white and asked me to call back with any problems. I received the same error message the second time. I called a third time. The third representative told me I would need to mail the documents via USPS. 

I also contacted XXXX XXXX to come up with some sort of arrangement. In short, they told me I needed to write a letter to the Credit Administration as they have no phone, email, fax or website. 

Everything was paid off. This was a simple oversight. I make plenty of money and the charge was only for {$280.00}. I have never been late on anything in my life. How can my credit score ( which decides whether I can buy a car, a home, etc ) drop 79 points because of something so small. I feel they are making it impossible for me to correct a minor mistake I will mail the letters and any supporting documents, but I doubt I will receive any form of resolution from XXXX 's or the credit bureaus.
Product: Checking or savings account

Im not sure on dates but I am XXXX now and for the last 10 years Ive tried to gain access to my Wells Fargo XXXX account. I want to withdraw and put it elsewhere my bank said they wont deal with Wells Fargo because its almost impossible to get them to release funds. Im always give then run around. I verify all information accurately. Ive been told I would have it sent to me 6 years ago interest free because I requested it during the right time so they had to honor it. It never came. Ive called so many times and been dismissed they have given me case # s that ended up being bogus random numbers. Ive been hung up on when a representative would tell me I could access my money. Its been mentally draining. The last time I spoke to someone I. XXXX he said my husband who is not on the account could go into his Wells Fargo and they would give him the money
Product: Debt collection

XXXX charged off this debt. There has been 3 other collection agencies over the years that have attempted to collect this debt that they paid for pennies on the dollar. None of them had the original agreement signed by me to the original debtor. 

I had never heard from Convergent Outsourcing until I saw that they were reporting on my credit reports that I owe them a debt. 

I have signed no agreement with Convergent Outsourcing , Inc and do not owe any debt to them. Without the initial signed written agreement between me and XXXX XXXX or a signed agreement between me and Convergent Outsourcing proving that I owe a debt to Convergent Outsourcing Inc., which is the only approved means to validate a debt with the FDCPA. 

I have written Convergent Outsourcing Inc., several times through certified mail requesting that they provide me with the original agreement signed by me to the original debtor that gives Convergent Outsourcing authority to claim this debt. Convergent Outsourcing must not be reading my certified letters because they continue to send me copies of old 2017 statements from XXXX XXXX that they paid pennies on the dollar for, and that is not VALIDATING that I owe Convergent Outsourcing INC anything. All that proves is that they paid pennies on the dollar for a debt that XXXX  XXXX charged off the debt as a business loss. 

I have requested that they remove the derogatory mark as a collections on my credit reports on the 3 Credit Bureaus. They have not done so but continue to report false information that I owe them a debt and that is a violation of the Fair Debt Collection Practices Act and defamation of character. I repeat ... Convergent Outsourcing Inc has not proven that I owe them a debt. They have not provided the one source of proof that is the original agreement signed by me to the original debtor, XXXX XXXX. 

Next step is to contact an attorney and file against Convergent Outsourcing Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$29000.00} / XX/XX/2022
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting XXXX XXXX XXXXXXXX # XXXX XXXX Balance {$28000.00}XXXX XXXX XXXX XXXX XXXX Balance {$14000.00}, XXXX XXXX XXXX balance {$140.00} has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX, Transunion, and XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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 or other personal consumer reports

I observed numerous inconsistencies and inaccuracies among the XXXX consumer reporting agencies furnished reports when compared across the board. 

XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) Account # : XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX XXXX. XXXX XXXX Account # : XXXX ***under XXXX, XXXX shows that there's XXXX LATE PAYMENTS.

***Then under EXPERIAN XXXX it shows that there's only XXXX LATE PAYMENT. 
***Yet, under XXXX XXXX it shows that the account is aready CURRENT.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by the credit inquiry listed below. However, this inquiry was not authorized by me. Therefore, Iam writing to dispute this inquiry and have it removed from my credit report. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have requested that Fifth Third Bank remove a charge off account on my credit report for the past two years and they have refused to do so. I have disputed the account as well several times with no luck. I had a secure credit card with Fifth Third Bank, which they are not reporting to the Credit Bureaus, and while I had the secure credit card, XXXX XXXX XXXX of XXXX was unlawfully charging my credit card which made me have a really high balance. XXXX XXXX had a lawsuit against them, which I received a letter for, because they were charging individuals without their permission. I have explained this to Fifth Third Bank at least fifteen times over the past two year and they have done nothing about it. I feel as though I should not be responsible for XXXX XXXX charging my account without my permission and for Fifth Third allowing them to continuously charge my account without calling or sending me notification of the activity that was taking place with my credit card as a safety precaution. If they would have notified me of this activity, I may have been able to stop the charges from happening and avoiding this destroying my credit. At this point, I am requesting again that Fifth Third Bank deletes this information from my credit report as I was not the individual charging the account. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried 3 times to obtain my credit report from XXXX, I sent my State Id, my SS # : I called and requested it two times over the phone and tried to do it on line, they have not sent my credit report, I had no problems from XXXX, or Experian, but from the report that they sent me my rights have been violated. A consumer reporting agency can not furnish an account without my written instruction. The open dates are inaccurate, last active is inaccurate, date last reported inaccurate. This is grounds for removal and 15 USC 1681 section 602 A states that I have the right to privacy, 15 USC 1681 section 604 A Section 2., as a result of these things on my credit report I have hardship, I have a job, but I live with my Sister, I tried to get my own place and I was unable to because of my credit report. A credit report should not be the determining factor to get a place to live, you have the job making good money, but you can't get in because of a credit score is just down right ridiculous to me, I can not tell you how many people can not get a place to live because their score is too low, or they have erroneous stuff on their credit report that stops them from obtaining a home, these things need to change. If you need to contact me please contact via e-mail XXXX, address is XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Illinois XXXX.
Product: Checking or savings account

The bank 's electronic payments system does not issue payment when requested, and tries to mask this deficiency by not allowing the account holder ready access to information on pending transactions. This has resulted in one double payment to a vendor and and now two more are pending. The bank has said that they can not cancel a transaction when it is in the " pending '' phase, however payment dates are 4 and 5 days away. To top it off, the customer service rep hung up on me. So much for 167 %, now I'm paying 200 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want TD auto finance to remove all late payments from my credit report. 

I'm aware my non-public personal information ( such as negative information ) should not have been disclosed to any non affiliated third parties, such as debt collectors or Credit Reporting agencies without my lawful consent. 

I ask that TD Auto Finance remove all information from my credit report, I was never given the opportunity by TD Auto Finance to opt of credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX and Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In alignment with the Fair Credit Reporting Act : The accounts listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

XXXX XXXX XXXX account number XXXX, and XXXXXXXX XXXX XXXX account number XXXX, have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy.

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years.

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

My lease matures on XXXX XXXX and the car is due back within 10 day so maturity. In the beginning of XXXX, I called the US BANK to confirm that my final payment submitted cleared my financial obligation excluding charges for excess mileage, wear and tear etc ... They confirmed that I had satisfied my lease and in fact had a {$29.00} overpayment credit. No funds were due to US Bank. Today, XXXX I received an invoice from US BANK for {$430.00} due for XXXX. Confused I called the bank. After significant hold time, the first agent confirmed I owed nothing and had a credit. But, she could not explain the bill. After a transfer and hold time, second agent explained that a " computer sends the bills. '' I explained that this must be illegal, as I do not owe them anything and had I not called, I might have sent them the {$430.00}. She said that it was just an error and I could ignore it. Not satisfied, I requested that I log a complaint. She transferred me to billing. After 20 minutes holding, a clerk got on the phone and told me that the bill was " just in case '' we wanted to lease month to month. I explained, that it says nothing about that on the invoice ... it just says Payment due for XXXX. I received no letter or mail indicating that the car was available for month to month leasing after the terms are satisfied. And, on my XXXX calls to customer service in the past in preparation for the car inspection and return, no one had ever mentioned anything about keeping the car month to month and paying a fee that is less than my original lease. She was insistent that this was common practice and US Banks only intent. This is clearly US Banks attempt to fool customers into over paying against a balance that does not exist. In any other business this would be considered stealing under no uncertain terms. It is clear fraud to present an invoice for an amount you do not owe. The US BANK should not be permitted to continue practices like this.
Product: Money transfer, virtual currency, or money service

I found a cashiers check dated back to XX/XX/XXXX that I had misplaced in the amount of {$5000.00}. issued by XXXX XXXX XXXX located in XXXX Ca. 
I deposited it in to my personal checking account at XXXX XXXX on XX/XX/XXXX. I was notified by XXXX  XXXX that XXXX XXXX XXXX refused to pay. I contacted XXXX XXXX XXXX to reissue me a new cashiers check which they refused to do. They referred me to California State Controller Dept. of unclaimed property. California State Controller Dept. referred me to you Consumer Financial Protection Bureau. 
I am including all records and contacts regarding my cashiers check. 

After researching for XXXX XXXX XXXX we have found this bank is now called California Bank & Trust XXXX
Product: Debt collection

Experian has recently been sued due to inaccurately disputing items from my credit report. I have ask several times for them to sue an investigation. I also trusted them to do so.
Product: Debt collection

Charges after XXXX are false charges. Closed account in XXXX as a charge off. Reopened by unkonown and charges made in XXXX.
Product: Checking or savings account

Hi there, on XX/XX/XXXX my card was used without my authorization at a XXXX in Ohio for {$310.00}, and XXXX XXXX in XXXX XXXX XXXX, Utah for {$10.00}. I live in XXXX, NC. I got a refund for the XXXX XXXX directly for the {$10.00}. I had to dispute the charge with XXXX on XX/XX/XXXX. On XX/XX/XXXX, my bank, Current Bank took {$310.00} from my account with no notice. The charge says Dispute Lost-Credit Reversal. I received no written or email notice that I lost the Dispute. 

I complained about this before and was told that they contacted the merchant and the transaction was a " Card absent transaction ''. I have also found out through that complaint that it was a delivery order. 

" The cardholders name and billing address matched the record. In addition, even if the delivery address was different from the cardholders address, there was a statement from the Delivery Order Document to Leave with my nephew he is homeless. Therefore, No Error Found. " I do not have a nephew in Ohio or anywhere else. I don't have siblings. I'm an only child. I can get a notorized statement from my parents if needed. 

The person had all my card information because my data was breached. So of course they had access to what they needed. They also didn't go into the store so they didn't need my pin number.
Product: Debt collection

LexisNexis is reporting a tax lien on my credit filed that is not mine, I have to tried to contact this company several times and ca n't never get anyone on the phone the hold time on the phone is always long and never an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

-any state territory possession of the United States , the district of Columbia , the Commonwealth of Puerto Rico or any political subdivision of any of the foregoing.

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt.

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader.
Product: Credit reporting or other personal consumer reports

I disputed fraudulent inquiries with Equifax in XX/XX/2023, XX/XX/2023, and XX/XX/2023. I have sent 3 rounds of letters. Equifax sent a letter dated XX/XX/2023 with the confirmation number XXXX stating that the unauthorized fraudulent inquiries have been deleted from my report. Yet, when I check my report today, the inquiries are still their. Equifax is purposely stalling and ignoring my dispute letters and have failed to delete the unauthorized fraudulent inquiries. They continue to report false information on my credit report. 

The inquiries that I have listed in my letters are in violation of 15 USC 1681b permissible purpose. I did not give permission for the creditors to pull my credit and have not applied for services with these lenders.
Product: Vehicle loan or lease

Payment was made for my auto loan on XX/XX/year> and 10 days later Santander Consumer reported my payment as being late to XXXX, XXXX, XXXX, resulting in a significant decrease in my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : GM FINANCIAL XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  PURCHASE INTEREST FREE for 12 months XX/XX/XXXX, XXXX XXXX, {$1000.00}, XXXX   {$2000.00}. 
XX/XX/XXXX, Bedroom Set .OWE {$2500.00}, XXXX {$5100.00} XX/XX/XXXX Dining Room Set Owe, {$1300.00}, XXXX  {$2600.00} Total I owe is {$5000.00} XXXX  shows {$9700.00} The high balance on Credit Report is preventing me from getting home equity loan to pay the XXXX  loan off before interest in accrued. 

The correct amount needs to be reported correctly by XXXX to all three Credit Reporting Agencies. XXXX, Equifax and XXXX. 
The Correct Amount owed : {$5000.00} Not owed {$9700.00}
Product: Credit card

This is the same complaint as prior, it was not resolved. The card appears to still be frozen and after the last complaint they refunded half of the intrest charged retroactively. Last night I tried to make a purchase within my credit limit and they applied a late fee as punnishment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX A dispute letter was sent {$280.00} XXXX XXXX A dispute letter was sent {$280.00} XXXX XXXX A dispute letter was sent {$280.00} XXXX XXXX A dispute letter was sent {$280.00}