23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Capitol One, XXXXXXXX XXXX XXXX credit card has, at least, four charges that were not authorized by myself or my son. The dates and amounts are : XX/XX/year>XXXX XXXX XXXX Amount {$560.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$120.00} XX/XX/year>XXXX XXXX XXXX  Other Amount {$.00} XX/XX/year>XXXX XXXX XXXX XXXX Amount {$320.00} Total {$1000.00} I notified Capitol One customer service on XX/XX/year>, after I discovered these charges were posted and I received a statement in my email. I have canceled this credit card to prevent any other unauthorized charges. Capitol One indicated that they would handle the fraud claim and keep me informec.
Product: Credit card

My Father had just recently passed away on XXXX XXXX, 2016. I contacted the credit card company on XXXX XXXX. My father 's balance owed was only around {$11.00} and i wanted to pay off the balance immediately, close the account so no further transaction could take place. His balance was due on XXXX XXXX. I was told i could not pay off the balance and had to send a letter with his account info so they could verify his passing. I did the next day. I recieved a letter aobut a week later dated XXXX XXXX requesting more information, i called them on XXXX XXXX, they tell me no further information is required. I asked again about paying off the balance, again they said they could not do it over the phone. they said to send in the payment, i asked to verify balance owed, they told they could n't tell me and to send in whatever was shown on the last statement. Last night i went online to my fathers account to confirm what the balance was and to get an address as to where to send it in. The account was still active, no closure, and now is showing late fees and interest charges more than what the orginal balance was owed? Again i contacted them today on XXXX XXXX, now they say want a death certificate. Every time i call i get a different questions and answers. I just want to close this issue, i have no idea what balance i am responsible for? If i pay off the initial balance will they continue to add interest charges and late fees on the interest charges and late fees. This seems deliberate action to do so. All the other credit card companies i contacted closed the account on my first call and allowed me to pay off the balance owed. Deaths are of public record and easily verified for any credit agency. I feel that i am being just strung along to be milked for fees and interest charges. They told me it could take up to three months to close the account.
Product: Mortgage

On XX/XX/2022 I was approved for haf funds and they sent. A {$17000.00} to Truist. From the haf funds Another check was sent XX/XX/2022. 
This mortgage company refuses to cancel a 40 year modification that we have never agreed to it. They will not cash the {$17000.00} check so we can go back to making our regular scheduled monthly payments through the deferral. 
Nobody has any answers they keep lying and giving us false information I am completely over it please make them cash that check
Product: Consumer Loan

Hello. Please assist me in resolving an operational defect by Pentagon Federal Credit Union. I have a single auto loan product with PFCU. I initiated a single loan application in XXXX 2014. However, PFCU initiated XXXX separate hard credit inquiries on XXXX separate dates ( XXXX XXXX and XXXX XXXX ). I assert that there is no valid business need for PFCU to initiate separate hard inquiries within XXXX hours to decision my credit worthiness. This PFCU defect is more likely than not to adversely affect how the NCRAs score me. This is a defect under FCRA. Please take affirmative steps to assist in remediation of this defect and communicate your response. 

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

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

global lending services date opened XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$62.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am disputing the following accounts that have been incorrectly reported under my credit file. If these accounts can not be verified with legal proof, they must be permanently deleted from my credit report. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 609 Request : I demand full verification of these accounts, including all supporting documentation proving my legal obligation. If no such documentation exists, you are legally required to remove them under 15 U.S. Code 1681g.

FCRA Section 611 Request : Under 15 U.S. Code 1681i, you are required to reinvestigate and correct any inaccurate information within 30 days. If you can not verify the accounts, they must be deleted from my report immediately. 

Failure to comply will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and possible legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get my credit report from XXXX, XXXX  or Experian, due to inaccurate information in my reports. They also require documentation that I do not have. It is impossible to contact a live person at these agencies and I am very exasperated!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, DATE OPEN XX/XX/2014, BALANCE {$60000.00} THIS DOES NOT BELONG TO ME. INCORRECT INFORMATION ON CREDIT REPORT. NEEDS TO BE REMOVED. THIS INFORMATION IS BEST TO MY KNOWLEDGE. THIS IS A FTC VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following inaccurate names:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
also please remove the following inaccurate addresses: XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX WA 9XXXX

please remove the following inaccurate employers:
XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, my bank ledger balance showed {$73.00}. One online charge of {$50.00} came in and became, 'Pending ' debit, and Bank after reducing the ledger balance without paying, charged {$37.00} fee for OD. I do not have OD protection. My balance was {$23.00} ( after {$50.00} deduction ) at the time, and when I made a purchase of {$8.00} for food, it created a negative balance due to {$37.00} fee applied. 
Bank uses this accounting method. Whenever a debit or credit card is used at the store, it shows up on bank current activities as " Pending '' and reduces the ledger balance by the amount without making any transfer to third party, and identifies as 'Available Balance. '' If another payment also shows up at the poinXXXX of transaction, then bank uses available balance and ( not the ledger balance ), without paying, and creates a negative balance. Then it slaps OD penalty and reduces the ledger balance further down and then the domino effects begins. 
The {$8.00} charge had enough ledger balance to cover that amount, but {$37.00} fee applied, reduced the balance to a negative amount and after that all fees piled up. My daughter made a deposit transfer via XXXX of {$150.00}. Another deposit of cash XXXX {$350.00}. made on XX/XX/XXXX, also got wiped out, and then my Cable company prematurely, sent a charge of {$240.00}, and that too became a pending payment when balance was {$300.00}. XXXXXXXX XXXX  slapped {$220.00} fee at the same time as a pending Item along with the other charges that had incurred but not yet paid. 
When payments actually were paid on XX/XX/2022, bank first applied fees, reduced the balance again, and generated more fees to a total of {$390.00}. How can bank reduce ledger balance by charges that are not yet even payable? Which Generally Acceptable Accounting Principle is in play here? No contingent liabilities were created as bank had no obligations to pay, If balance is not covering the amount at the point of purchase. The transaction is void at the merchant 's cash register if the bank declines payment due to less funds. FNB bank has no business causing that transaction to be posted as pending, and slap fees when I did not sign up for OD coverage. I believe this is a creative way of forcing negative balances on paper, and charging fees, and deducting them before applying any deposit, as done in my case. I do not have OD arrangement with bank and did not ask them cover my charges if any.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following names are all incorrect please delete : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX I'll never live in these addresses reported on my credit report please delete:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KSXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NVXXXX This Birthdate is incorrect:XXXX I never work in the following employer : XXXX XXXX Please delete all the unauthorized hard inquiries : 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute issues related to my personal information in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681b ) and the Identity Theft and Assumption Deterrence Act ( 18 USC 1028a ).

I have identified unauthorized entries on my credit report concerning the following accounts : XXXX XXXX - Date : XX/XX/2023 I assert that these entries are not authorized by me and do not reflect my credit history or personal conduct. I suspect that my personal information may have been misused, and I am deeply concerned about the potential implications of identity theft. Therefore, I kindly request that you investigate this matter and delete these inquiries from my credit report. 

Under 15 USC 1681b, I am entitled to receive a copy of any report or information that has been provided to you by a consumer reporting agency regarding these entries. I request that you provide all relevant information concerning this matter, including any documentation that supports your findings.

Additionally, under 18 USC 1028a, I wish to emphasize that the unauthorized use of my identification is a serious offense. If this issue is not resolved promptly, I may be compelled to take further action to protect my rights. 

Please investigate this matter and provide me with a written response within 30 days. I appreciate your attention to this urgent issue and look forward to your prompt reply. 

Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a Identity fraud report with identifytheft.gov, I have attached the submitted form. 

I have sent dispute letters and proof of account responsibilities letters to Experian Dispute Center. 

Experian are completing my disputes without sending me verifications that the following collection accounts belong to I. 

Experian has violated my rights. 

15 U.S.C 1681 Section 602 A. States. I have 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.
Product: Mortgage

I am looking for my loan paperwork when the load was started alone with the paperwork that occurred doing COVID, they put my payment in the amount of XXXX at the end of my loan, the date that my loan ends is XX/XX/year> which my payment is due. I have currently paid all the principle ; I sent them the same monthly payment and they cash my checks and sent me the money back and now they are calling me every day saying I am behind on my payments. My loan number is XXXX CUSTOMER SERVICE : XXXX Mon-Thu XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Fri XXXX XXXX. to XXXX XXXX XXXX XXXX  ) Sat XXXX XXXX XXXX XXXX XXXX. ( XXXX  ) www.mrcooper.com YOUR Dedicated Loan Specialist is : XXXX XXXX AND CAN BE REACHED AT : ( XXXX ) XXXX or via mail at : XXXX XXXX XXXX
Product: Bank account or service

I am a customer at CITI Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Every 4- 5 months CITI offers a " bonus '' on your interest if you deposit {$25000.00} or more. They say they will pay the bonus 90 calendar days after the deposit. I have enrolled in this promotion several times. Each and every time they do NOT pay the bonus and I have to call and argue with them Often they can not even find the program, but eventually they have gotten paid after they do an " investigation. '' Earlier this year they offered another program XXXX ( see attached ) which I enrolled in and I deposited {$25000.00} on XXXX/XXXX/2016. After 90 days NO bonus was paid.It was supposed to be {$300.00}. After several calls another investigation was started and my request was denied ( see attached. ) I believe that many customers are being lured into this scheme and conveniently not being paid their bonus. The CITI office is : CITIBANK Client Service ATTN C.G.S. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

My American Express credit card payment was due on XX/XX/XXXX. I went onto the app to pay it and for some reason it did not go through. Not sure if the mistake was on my end or the company. On the XXXX i noticed the funds didn't come out of my account i went in and paid it. I was assessed a {$27.00} late fee. Because i have been a customer for a couple of years and have not had any late fees, i decided to call American Express on XX/XX/XXXX to see if they would consider rebating the fee. I spoke to a young man who told me it was absolutely no problem, i would have my money refunded to me in 24 hours. He then went on to try to sell me upgrades and products which i declined. 
On Friday, XX/XX/XXXX i noticed that the fee was not refunded so i called again and spoke to XXXX. She apologized for the previous representative and said that he never submitted a refund. She stated she would take care of it and the refund would be on my account in 24 hours. 
On Monday XX/XX/XXXX still no refund. I chatted ( online ) with customer service and and they told me that XXXX and the first rep submitted the rebates however they were declined. They said both reps knew they were declined and should not have told me they were approved. 
On XX/XX/XXXX i called again and spoke to XXXX who apologized profusely and said that she didn't know why they lied- however she believes its because they didn't want to upset me. She assured me that she was escalating to a supervisor and also filing a complaint. She told me the supervisor would approve the refund and i would see it by today, XX/XX/XXXX. There is no refund today. 
If they couldn't rebate the fee, they should have told me that and i would have accepted it. I don't believe it is ethical to lie to a customer just to get out of what you think is going to be a difficult conversation. It unethical. And given the fact that the first gentleman immediately went into a sales pitch after he lied to me, i believe the conversation was a UDAAP violation as well.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$420.00} XXXX XXXXXXXX XXXX Balance : {$1000.00}
Product: Debt collection

I was involved in an car accident in XX/XX/2015. The car resulted in a total loss, i submitted all the proper paperwork to my insurance company and GAP. My insurance- XXXX XXXX paid off the majority of the vehicle debt. the only problem was my GAP insurance did not pay off the remaining balance due to an incorrect cancellation. XXXX XXXX XXXX, XXXX requested GAP to be cancelled instead of paid out resulting in a balance that should have been covered completely and not a partial payment leaving me with a balance. I tried to dispute it with XXXX XXXX XXXX but they told me the case has been closed ( and filed incorrectly as a cancellation instead of a pay out ) and there was no way for them to reopen up the case and for the case to get settled.
Product: Credit reporting or other personal consumer reports

XX/XX/ welcome to XXXX  letter received. Federal loans will be transferred to XXXX in 30-45 days XXXX XXXX XXXX congratulations, list of all federal loans transferred and taken out of default, transferred to XXXX  and placed back into good standing. 

XXXX XXXX. XXXX. Welcome! List of federal loans and a disclaimer. Credit Report Infomation : We will not be reporting some or all of your loans to the credit bureaus, even if you eventually fall behind on your loans. Your loans had been in default for so long the Department of Education deleted the tradelines from your credit file and under XXXX XXXX we will not be reporting these loans unless you consolidate the loans. 


XX/XX/2023. Notice of XXXX  Discharge. Shortly there after, XXXX added XXXX derogatory marks to my credit reports, causing a catastrophic mess. 
No apologies. Basically, it is a means by which they can punish the XXXX person asking for relief. 

CFPB XXXX XXXX XXXX  have all been severely unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being made against Transunion. This is not a request for TU to verify the XXXX XXXX XXXX account this is a request for TU to remove this account in its entirety completely from my credit profile. Transunion has failed to report the account 100 % accurately even after allegedly verifying this account. TU when mirrored against the other companies each bureau is reporting something totally different. Ive been factually disputing TU reporting since XXXX and each rime I point out an inaccuracies TU updates my call out, fails to provide the source of verification and continue to violate my rights under FCRA 611. This is my final request for the account to be removed since TU failed to report the account 100 % correct. I am gearing up to obtain a lawyer is sue and request the max at {$1000.00} per occurrence since TU is not abiding to rules, regulations and violating my consumer rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mortgage at XXXX XXXXk opened on XX/XX/XXXX account number XXXX, a personal loan account opened at XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX XXXX opened on XX/XX/XXXX account number XXXX, Utility account opened at XXXX XXXX XXXXpened on XX/XX/XXXX, a insurance account opened at XXXX opened on XX/XX/XXXX, XXXX account opened on XX/XX/XXXX. This hard inquiry XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting 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 12 USC 1681. 

XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A 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 conviction 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: Checking or savings account

XXXX XXXX previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. 
Now I received a notice from XXXX XXXX XXXX XXXX stating that I owe XXXX XXXX $ XXXX.How is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. 
US bank sent me the same notice from the same collections agency XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's shows under a hard inquiry with transunion that I have a current XXXX account. I do not, and even confirmed that by calling XXXX. I can't get through to transunion via XXXX XXXX to have it removed. Please help in any way as I am trying to repair my credit the best I can. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial XX/XX/XXXX. Fraudualent attempts to open a line of credit using my personal information. I have sent XXXX act letter to XXXX, XXXX and XXXX to remove the hards inquiries on my account. Reached out to the creditor to remove and inquiry from my account sent final letter XX/XX/XXXX to remove. No response, please remove inquiry from credit report.