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

On XX/XX/XXXX I tried purchasing a regal gift card online through the XXXX gift card shop. I tried using my XXXX cash back visa credit card ( synchrony bank ), but when I clicked submit payment, the website told me that my credit card info was entered incorrectly and to try again. I tried XXXX times and it would not work, so I tried a different credit card and it accepted it the second time I entered it. I thought I was only purchasing XXXX gift card, but I discovered a few hours later that the XXXX website had charged me each time it told me that my credit card info was wrong and to re-enter my information. I was charged XXXX times for the same purchase and I did NOT consent to buying the same gift card XXXX times. I only wanted to purchase XXXX gift card and ended up with XXXX, XXXX of which I did not consent to. I then cancelled my credit card and called the XXXX XXXX XXXX ( XXXX ) and spent XXXX minutes on the phone with a woman named XXXX. She said she would file a charge dispute for all XXXX charges with the reason being " double charge ''. I asked for a case number and she told me they don't have case numbers. The only info she would give me about my case is that her name was XXXX and the disputes were processed at XXXX ( Texas XXXX. On XX/XX/XXXX, I receive an electronic letter from XXXX saying they are reviewing my claim. XX/XX/XXXX, I receive an email saying my statement is ready and all of the charges are back on my statement and they are saying I owe them {$840.00} even though I disputed all of these charges and they can not legally make me pay this when I have a case opened against them. I tried connecting to the live chat XXXX minutes ago and a live agent claimed they were going to help me, but then they abruptly ended the chat. When I tried connecting with an agent again, the automated chat bot told me no one was available. When I try calling the regular number, it tells me that there are no employees in office due to XXXX and to talk to the automated chat bot online for further assistance. This entire company is a scam and fraudulent. 

All XXXX transactions occurred on XX/XX/2021, but the credit card says the transaction date and post date are XX/XX/2021 Reference number for all XXXX transactions are XXXX & Description of all XXXX transactions are XXXX XXXX XXXX XXXX ME XXXX charges of {$160.00} and XXXX charge of {$160.00}. I had changed it to {$160.00} thinking the website didn't like the XXXX cents on the charge The company has not tried to solve my problem and instead has made this extremely difficult to even talk to someone that can help me. Now they are trying to illegally collect money from a charge that was fraudulent because their website was charging my card without my consent.
Product: Checking or savings account

I have had a problem with bb & t a year before they merged with SunTrust XXXX XXXX had XXXX of dollars disappear causing numerous overdraft fees and inefficient funds now its only has gotten worse so from XX/XX/2019 I have had a lot of problems and issues but I'm still giving them my business because they say that they will resolve everything but it keeps happening right no my account is negative and I have to have my pay check come on a money card this is ridiculous!!!! It's has been a total of about over XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing as a requisite to validate the information regarding specific items in my credit report in line with the FCRAs section 609. You are required by federal law to verify any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I would like to confirm that these loan issuers obtained my information according to the law by requesting that they avail the sources of information to me. 
This set of information should include the identity of the person who made the request, my original contract and agreement and any other supporting documentation. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts That said, if youre unable to verify this information, please delete the items from my credit report since their accuracy can not be validated.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX - XXXX : {$470.00} Date of Account:XXXX
Product: Credit card or prepaid card

On XX/XX/2021 while booking a hotel stay with XXXX I was prompted at checkout to receive a discount on my reservation. The offer was from Chase Bank to apply for the XXXX XXXX XXXX card. By applying, I was offered a {$67.00} discount for submitting my credit card application at the time of booking. The application reference number was XXXX. I completed my reservation and enjoyed my stay. A few days later I received a letter from JP Morgan Chase with the Subject : Action Needed. The letter instructed me to contact XXXX XXXX to remove a Credit Freeze. I then notified Chase that the application is ready for review. I spoke to a female representative who informed me the application has been approved. I advised her that at the time I applied I was extended an offer by Chase for a discount on my hotel booking. The discount was {$67.00} off my stay. I accepted the discount offer and applied for the credit card at the time of booking. Upon check-in at the XXXX the discounted rate was not extended since Chase did not approve my application. At no time did Chase notify me that the offer was retracted and allowed me to complete both my hotel booking and credit card application. On XX/XX/2021 I spoke to another Chase representative to inquire about my discount. I was told, she could not help and transferred be somewhere with a hold time of greater than XXXX minutes. After XXXX minutes of waiting for 'who knows? ' I disconnected. I am seeking the $ {$67.00} credit as promised at the time of application or confirmation that my account is closed and that my annual fee is waived since I did not remain a customer long enough to benefit from the card. I have a credit rating of over XXXX and can get a card anywhere - I bank with XXXX XXXX XXXX, XXXX and XXXX. There is a reason why after having credit for 35 years that I have never used Chase. Great first impression - you lived up to the expectation that I was anticipating. Account number XXXX.
Product: Debt collection

AD ASTRA RECOVERY SERVICE at XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of {$1400.00}. The collection has been reported as a past due balance. I don't know this company or have ever done business with this company. This company does not have any contract with my signature on it.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

In XX/XX/XXXX I paid this card in full, as I had done in the past, and did not use this card. On XX/XX/XXXX I attempted to use the card and it was declined. This happened at more than one merchant and it was declined. I called the customer service number on the back of the card on XX/XX/XXXX and it said there was no payment due and the credit limit was {$1000.00} with {$1000.00} being available. On Sunday XX/XX/XXXX at XXXX I missed a phone call voicemail was left and when I listened to message it was XXXX with XXXX XXXX   XXXX department needing to verify some recent activity on my card that ends with XXXX and gave number to call them back. At XXXX on the XXXX I called back and they stated they could see activity on my account and that there was a security hold on the account. She asked me a few questions and then said the security hold has been removed and you can use this card now. I try to use this card on XX/XX/XXXX and it was declined again. I called the number XXXX that had called me on the XXXX and I was transferred to customer service who then told me that my card had been closed in XXXX after review of the account. I realize they can close a card at any time. However, I had been a customer for over 12 years, never late and had paid it off before. I was told the account was closed after review. I said I didn't receive notification that this had happened and it was telling me on Saturday I had {$1000.00} available to use and your own employees told me that I could use it. They said the security department is a different area than customer service. I was told that letters don't go out and I said it would be a common courtesy to a customer that has been your customer for numerous years. I could have taken this card on vacation, not knowing it had been closed. That is poor business practice, besides the fact I have 12+ years of payment history on my credit report from XXXX. They should have, at minimum called me, or mailed me a letter and their security department should've told me on the XXXX that the card was closed. The automated system didn't tell me anything about account being closed when I called to verify amount available
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft, XXXX XXXX XXXX  has a fraudulent credit card on my acct. XXXX XXXX XXXX XXXX has a fraudulent loan on my profile and lastly XXXX XXXX XXXX is reporting a Fraudulent charge for someone unpaid rent. 
XXXX XXXX XXXX XXXXk XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( not able to get the full account number ) Discover it chrome secured cared From XX/XX/XXXX until XX/XX/XXXX ( a total of 23 months ) Discover bank has been reporting monthly charge offs to on my credit report. The account is now paid off. But they should not have been able to report monthly charge off statuses every month.
Product: Mortgage

Im complaining to have my {$1000.00} XXXX money back. I was working with a lender for a home that was pre-selling. Seller suggested I work with a lender that was tied up with their company. Promised that I will get some discount, I worked with the suggested lender. I paid {$1000.00} XXXX money. In order to be approved for the loan, the lender is so pushy for me to pay off my existing loans and advised me to pay a huge amount of down payment so we will be approved with the loan. Considering my regular income alone, the lender said that I could not get approved. The monthly mortgage will be more than half of my monthly income. Knowing this, I decided not to continue with the purchase and the loan. I asked for loan denial letter but the lender will not provide since he is so pushy even though I can not afford. The seller asked me to sign the release letter since its taking a long time already. My real estate agent advised me over the phone that the seller will return the XXXX money. But upon checking with the document, it states that the XXXX money will go to the seller. I was blinded. They said that they will file legal action if I will not sign the release letter so I signed the release letter and now I wanted to get my XXXX money back. 

Lender : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Builder/Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and was disappointed to discover that my right to privacy has been violated. I did not give you permission to report any non-public personal information without my written consent, nor did I authorize any financial institution or third-party collection agency to obtain such information. In addition to the violation of my privacy, I noticed that there are negative accounts listed on my credit report that I do not recognize. These accounts have caused significant damage to my credit score and I request that they be thoroughly investigated. As per the provisions of 15 U.S. Code 6802, regarding the obligations for disclosures of personal information, a non-affiliated third party that receives information from a financial institution is prohibited from disclosing such information to any other non-affiliated third party, unless such disclosure is legally permitted if made directly by the financial institution. I strongly object to any third party obtaining my non-public information without my knowledge or consent. The Fair Credit Reporting Act ( FCRA ) was enacted to safeguard confidential information on consumers ' credit reports and to protect against misuse, fraud, and theft. The FCRA grants consumers the right to ensure the accuracy and privacy of the information on their credit reports. 
In accordance with 15 U.S. Code 1681 a, any report regarding a credit extension request made by a third party must be conveyed to the consumer and include the name and address of the person to whom the request was made. The third party must also comply with the disclosure requirements as stated in 15 U.S. Code 1681m. Due to the breach of my privacy and the inaccuracies on my credit report, I request that the following items listed below in red be deleted immediately : Accounts : XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX - XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Bank account or service

I get a regular monthly charge that varies in amount per month. Apparently it is removed from my account on the XXXX or XXXX of the month, but does not show up on my online account statement until the XXXX of the month. The website shows I have money when I check it every morning, so I use some of the money that is " available '' after " pending. '' Bank Of America then charges me overdraft fees for all the amounts that I have used when they backdate the charge. My statement then shows I have money but was charged several overdraft fees for money I was " deceived '' into thinking I had. I do know the charge is coming and sometimes I take the hit on the overdraft fee. I do not expect XXXX overdraft fees I only expect XXXX. 
As per my copy of my " online Bank Statement '' it shows i had funds for the charge on XX/XX/XXXX a purchase for XXXX and available balance was XXXX, they then charged me XXXX overdraft fees when the statement shows I have funds. Makes no sense!
Product: Credit reporting or other personal consumer reports

I have items on my equfx these items below is not mine credit items. Which l been trying to remove these items for more 90 days l received a letter which state incorrect investigation. Which the bills was seen isn't accurate isinstead remove theses items continue to remain inmy credit report.. which is not fair these are not my items Also affect my credit score rate. XXXXXXXX XXXX XXXX. Also XXXX  XXXXXXXX XXXX XXXX XXXX.. File disputs. These items is not my items
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a complaint for a fraudulent account on my consumer report. 
Report number ( XXXX ) its been past 14 and has not been deleted. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 

DELETE XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My mother died on XX/XX/XXXX. I went to the Equifax site and looked at what was required to report her death. This is what is direct from them : XX/XX/XXXX Sent cover letter to Equifax, ( with my mother 's name, dob, dod and ss # ) XXXX XXXX XXXX, XXXX Ga XXXX along with a cert copy of the death certificate, copy of will to show I am her Co-Representative and copy of my DL and contact information. Address taken from the Equifax web site and info sent based on what they said was needed. Mailed at Post Office on XX/XX/XXXX. 

Today, XX/XX/XXXX, I got a letter from them listing everything they need, which includes everything I sent. I called them today at XXXX. After verifying my identity by providing my mother 's SS #, my SS #, my phone number and getting a text code for them, I was then told that I failed to submit a copy of my social security number. WHAT? I just gave it to you and verified it on the phone. Nope, want it mailed in NO, I am not doing another single thing. They did not ask for this on their website. They put me through a ton of contacts years ago when I had to go to the AG to stop them charging my mom in their protection racket. They were supposed to refund me monthly fees and never did. Kept " losing '' all of the information I sent them. Now, they are playing this game. My mother is DEAD and they have the certified death cert and all her info. Please make these people do their jobs. I have had it with these insane people. Their own website does not require a copy of my SS card and there is no reason for it. I do not trust them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute requests to Transunion, each time they say they have verified the account information and validated the debt when that is not true. According to my last credit report on XX/XX/XXXX. The account has not been updated or validated since XX/XX/XXXX. This is against the Fair Credit Reporting Act on inaccurate reporting information. I want this unverfiable debt removed immediately. 

XXXX XXXX - XXXX
Product: Mortgage

I have a mortgage with Rocket Mortgage. I owe approximately XXXX. In recent months the equity per Rocket Mortgage has increased which has increased the insurance on the property. What was a payment of {$1100.00}. Is now {$1500.00}. It seems to increase about a XXXX dollars every couple of months. The county has appraised the property for approximately {$280000.00}. Rocket Mortgage appraisals it at present for about {$430000.00}. I am now struggling to meet the increasing insurance premiums that has increased my monthly loan payment. 
Thank you XXXX XXXX
Product: Mortgage

I have been requesting to pause my mortgate payments because of the COVID-19 for 2 months. They do not return my request. Also, there is another paper application for that. Their system is very difficult to apply. Other lenders do not make so difficult system to ask a temporary relief. It is very cumbersome how to apply.
Product: Credit reporting

I contacted the credit bureau about the  two  debts that are showing up on my credit report that I have no knowledge of the accounts numerous times. The   XXXX   XXXX   XXXX   and  XXXX   XXXX  account keeps showing up on my credit report after disputing them with the somone over the phone and via the internet. Each time they come back and say the debt is vaild and verified without showing proper proof. When I call and speak to a rep the reps tell me to contact the creditors and have them to remove the debt. I was always under the impression that we are not to contact the original creditor because it violates the FCRA for them to tell me to contact the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company reported to my credit reports with not authorization on doing so. Never contacted me regarding this debt and now my credit score dropped due to this collection that I'm not responsible of. 

I need this to be removed immediately from my credit reports. 

Name of Company : XXXX XXXX XXXX Account # : XXXX Balance : {$1700.00}
Product: Debt collection

My daughter, a minor at the time, was in the process of purchasing a vehicle and called my auto insurance carrier, who, at the time, was XXXX  XXXX. She gave them my personal information and added herself to my policy. Soon after, she was incarcerated on an unrelated charge. I received the bill and immediately called XXXX  XXXX to have her removed and to dispute the charge. They did not immediately remove her and I was billed another month. I called, once again, to have her removed from the policy and to follow up on dispute. Although they claim to record their calls and could have immediately noted that this was not me adding her to policy, they refused to review call and stated that since she had my personal information, it was valid and I owed the two months. They stated that they would not go back to review my initial phone call asking to remove her after one month and once again stated I owed both months. I have tried to dispute this via XXXX XXXX and it was not resolved so I am not turning to Consumer Financial Protection Bureau for help.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding errors on my credit report that have resulted in an inaccurate credit score. Despite my attempts to resolve the issue directly with the credit reporting agencies and debt collectors involved, the disputed items remain unresolved. Debts remain impacting my score despite not being given proof of debt, debt validation etc. These inaccuracies are affecting my creditworthiness and causing significant harm to my financial situation. I have requested verification of the disputed debts, but have not received sufficient documentation or evidence supporting the claims made. I am seeking the CFPBs assistance in ensuring a thorough and fair investigation into these discrepancies, so that they can be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). I am requesting that the necessary actions be taken to remove or amend the erroneous entries on my credit report and that a resolution be reached promptly to mitigate further damage to my credit standing. 

Following errors : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Product: Debt collection

I notified all three Credit bureaus of the attack, submitting all required information to help in the dispute process, called the bureaus to verify my identity.