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

XXXX I paid {$15.00} due on account XXXX in cash at XXXX  store # XXXX in XXXX XXXX Michigan. The associate did an account look up with my social security and ended up applying the payment to an inactive Ann Taylor account ending in XXXX. No one at the store helped resolved this, and Comenity has not resolved the issue since submitting it on XX/XX/22, In the meantime, I'm worried for my credit score, and when calling their customer service number, no one will help me. My balance due is now over {$100.00}. If you can expedite the resolution it would be appreciatied.
Product: Money transfer, virtual currency, or money service

My online banking is not working. I need it to work. Or i will close my account. And open a new one.
Product: Mortgage

Since XXXX, we have been seeking approval from ShellPoint for a certified appraisal to determine the fair market value. The Broker Price Opinion ( BPO ) provided by their fraudulent real estate agent, valued the property at {$600000.00}, is not only excessive but also significantly higher than the actual market value. Numerous approved real estate BPOs have established the property 's value at approximately {$360000.00}, which matches a very recent down the street comparable As-Is sale of {$360000.00}. Additionally, we have a qualified cash buyer willing to purchase at {$390000.00}. Their response to you about our concerns, indicating that they believe no wrongdoing has occurred and they are " mediating '', is a clear misrepresentation. Their patern is to wait until 48hrs prior to the court hearing to give an unreasonable response. Despite our numerous requests over the past several months for a certified appraisal, we have received no response. They have had a complete packet for a long time, finally responding it's under review. They appear to be waiting for the court foreclosure date set for XX/XX/XXXX. This is unjust.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Nebraska XXXX XXXX XXXX Date : XX/XX/23 Dear First Progress, I am writing to file a complaint regarding my secured card account with First Progress. I recently reviewed my credit report and was disturbed to find several inaccuracies and violations related to my account that are having a negative impact on my credit standing and financial well-being. 

I have enclosed a copy of my credit report for your review, and I have highlighted the inaccuracies and violations in question. Specifically, I have found the following issues : Multiple charge-offs for my secured card account in the same year, despite the fact that the account was closed over two years ago. 

A fee for opening the secured card account that I was not informed of beforehand. 

Violations of my rights as a consumer, as protected under the FDCPA. 

I request that you conduct a thorough investigation into these inaccuracies and violations and take appropriate action to rectify them as soon as possible. I believe that these issues are a result of errors on First Progress 's part, and I have not authorized the reporting of this information.

I would also appreciate a written explanation of how these inaccuracies and violations occurred, and what measures First Progress has taken to ensure that these errors do not occur in the future. I am providing this information in accordance with my rights as a consumer, as protected under [ insert relevant consumer protection laws ]. 

I look forward to hearing from you soon about the resolution of this matter. 

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

XXXX bank has ruined my credit by not properly crediting my account XXXX. I have receipts where I've made cash payments inside the branch and my payments are still not being credited to my account. XXXX continues to charge me for late payments even when I'm not late. XXXX bank has reported me five times late starting in XX/XX/2021, XXXX kept advising me that my over-the-phone payments failed. when in fact my bank advised me that there was no attempt to withdraw funds from my bank account.from chase bank. Please see attached letter. I said I'll correct the problem by going inside the branch and making cash payments. XXXX has not been crediting my cash payments and has still been charging me late fees. Please see the attached cash payments made inside the branch for XXXX and XXXX but the remaining balance never change my XXXX XXXX XXXX payment was never updated. 

XXXX is also violating my consumer 's care act rights Sec.4021 & NCLC 'S Fair credit reporting rights. I proved I was affected by covied19 and needed XXXX XXXXo assist me with payment arrangements on my account, during that time my account was current. The cares act Sec 402 states if a lender finds a consumer is affected by covied19 and they assist their customer with financial help and the consumer is not behind prior to covid19 that lender can't report that consumer account late to the credit reporting agency ; s.and can't charge late fees. XXXX has been charging me late fees even when I'm on time with my payments.
Product: Debt collection

They falsified my lease I only signed a 6 month lease.
Product: Prepaid card

This complaint is not a duplicate. This is a new complaint based on continued issues with a new card. The previous complaint, XXXX was incorrectly closed in the effort to avoid adjudication of the issue. The attached files detail a gift card purchase dated after referenced previous complaint in XXXX. 

Gift card was purchased on XX/XX/24. 
Complaint XXXX was filed on XX/XX/24. 

This makes premature dismissal of complaint XXXX a poor oversight move in the effort to avoid resolving the original complaint. How would it be possible to file a complaint in the past for an purchase that occured in the future? This issue still remains, only now the issue is further delayed due to this dismissal. I suspect this was intentional. 

Incomm visa gift card was purchased and attempts to make purchases were made. Upon use of the card, transactions were block at the merchant and subsequent merchants. It has been determined that there is a systematic scheme in place to purposefully deny use of the cards. I have attempted numerous times to use the card and resolve its issues with Incomm but to no avail. Incomm tells me to use the card at another merchant despite my attempts at different merchants. If an purchase attempt was at a specific merchant, why would one try to use it at another merchant? For example, if I was looking to pay my electric bill with the gift card, why would the solution be to NOT pay the electric bill and pay different merchant? Why am I not allowed to pay my electric company? This same issue is present with the replacement cards sent to me. So instead of more replacement cards, I am respectfully requesting that funds be sent to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. XXXXection 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Product: Credit card

I received a notification from XXXX and XXXX XXXX company that my Synchrony XXXX XXXX account was closed immediately on XX/XX/XXXX by the creditor. I was not notified by the creditor of this action. I contacted the creditor as well as XXXX for information. Per XXXX, no information was shared to the creditor. However, Synchrony reported that they closed the account based on information from XXXX. This account was opened on XX/XX/XXXX and remained in good standing. I made XXXX separate purchases on this account within the last year. Currently, I have a remaining balance of ~ {$800.00}. ( Last transactional purchase was in XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 Transunion through XXXX XXXX is reporting XXXX XXXX XXXX  # ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX adr. XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX ( reported on my account 2x ) these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval. 

On XX/XX/2024 XXXX through XXXX XXXX is reporting XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX 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 these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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: Credit reporting or other personal consumer reports

I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections and accounts, 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

Hello, I am an XXXX college student and I had a checking and savings account with JPMorgan Chase Bank. On XX/XX/year>, I received an email from this random person about a remote job. We kept in contact and he told me I was getting a check so I could buy him some artwork and my paycheck was also included in that amount. 
On XX/XX/year>, I got a check mailed to my house and I was so shocked because the amount of the check was {$4900.00}. Fast forward, I made a HUGE mistake. I deposited the check into my account and because I thought it was soo suspicious I went on XXXX. I searched up " check scam '' and I realized I had just been scammed. 

I immediately called the bank because I was worried I was going to be put in jail or something and the lady told me to call back when the money was reflected ( which I never saw on the app ) so I did not call them because she had also told me that because I did it on time " I had nothing to worry about ''. Then, 5 days later Chase sent me an email saying they were closing my account, which I found unfair because I did not get a chance to even be heard or send proof because they had " already made their decision '' and I was told over and over that there was nothing they could do. 

This is also very sentimental of me because I've had this bank since I was a minor and It really just helped me a lot, so it's such a bummer now.
Product: Credit card

I have a credit balance of {$46.00} with BBVA Compass bank on a closed credit card. I have been into a branch 3 times, first in XX/XX/XXXX, in order to try to obtain the balance and they have made broken promises each time that a check would be on the way. It has now been 3 months and they have not paid me the money I am owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that the same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXBalance : {$490.00}, XXXX XXXX Balance : {$1000.00}, XXXX XXXX  XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance XXXX {$38000.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$2200.00}
Product: Credit card or prepaid card

In late XX/XX/XXXX ( or earlyXX/XX/XXXX ), I opened an American Express Credit Card account for the purpose of transferring some credit card balances to the XXXX Credit Card account. All of the transfers went fine, except for one. 

One particular credit card balance was from XXXX XXXX XXXX for the amount of {$1300.00}. I was not able to complete this on-line, so I called the balance transfer department at American Express and completed the transfer over the phone. 

I then received a letter from XXXX XXXX, dated XX/XX/XXXX, stating that they received a payment for {$1300.00} that went to an unknown account ( See Attachment 1 ). This transfer also appears as going to XXXX 's on my XXXX   statement ( see Attachment 2 ). I subsequently called XXXX 's thinking they would refund the payment to XXXX or directly to me, but they wouldn't speak with me because I do not have a XXXX 's account and they had no way to identify me and suggested I contact XXXX. 

I then called XXXX and they told me they would investigate the matter and assured me this error would be corrected. A few weeks later, I called XXXX back because I had not heard back from them and they again told me they would investigate the matter. I subsequently received a letter dated XX/XX/XXXX of this pending investigation ( See Attachment 3 ). 

I then received another letter from XXXX, dated XX/XX/XXXX, that that they have completed their investigation and that essentially the funds were deposited with the instructions provided ( See Attachment 4 ). I subsequently called XXXX  to obtain clarification, but I was continually passed around from department to department and no one could help me. 

I have confirmed with XXXX that they have not received any payment from XXXX ( see Attachment 5 that has the last 4 numbers of my XXXX account number ). I have confirmed there is no reversal for this balance transfer showing on my XXXX credit card. I have no way of knowing what XXXX XXXX has done with the money. 

I want XXXX 's to refund the money that XXXX sent them mistakenly and then I want XXXX to credit my account for the {$1300.00} amount.
Product: Credit reporting or other personal consumer reports

Sure, heres a template for a letter to the Consumer Financial Protection Bureau ( CFPB ) regarding a dispute under the Fair Credit Reporting Act ( FCRA ) : -- 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 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally dispute inaccurate information contained in my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed information and the corrective action I am requesting : **Personal Information** : - 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 - I am requesting that the CFPB investigate this matter and that the inaccurate information be removed from my credit report. 

I have previously contacted the credit reporting agency and the furnisher of the information to resolve this dispute, but the matter remains unresolved. 

I appreciate your attention to this matter and look forward to your prompt resolution of this dispute. Please contact me at the above address or phone number if you need any additional information. 

Thank you for your assistance. 

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

I discovered some unauthorized inquiries on my credit report this morning, which was unexpected and concerning. I routinely check my report, but this time, there were errors that seemed to come out of nowhere. I even tried refreshing the page, thinking it might just be a technical glitch, but the inquiries remained. This situation is deeply frustrating, and XXXX requesting that the documents Ive provided be carefully reviewed so that I can finally put this issue behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XX/XX/XXXX  we had a severe thunderstorm that  disabled   my   XXXX   yr.  old    XXXX   XXXX   49 '' lcd TV. I have supplemental Home Insurance Coverage w/    XXXX   XXXX   XXXX  . in   XXXX   XXXX   Fl . - XXXX - Acct. #  XXXX . I called to file a claim, the automated voice asks problem, if TV press certain #. Spoke w/ Cust . Svce. who advised " claim denied- TV 's not covered '' .Their Booklet shows items covered w/  ELECTRICAL SYSTEM listed.Wh en I joined i n  XX/XX/XXXX  I  was told by Cust. Svce that " ANYTHING connected to Electricity or Water was COVERED-Period  ''! I com plained via their Website Email today   XX/XX/XXXX . I  was unable to find a local TV Repair so I went back to   XXXX   XXXX   in  XXXX , NC   XXXX   XXXX   XXXX   XXXX    where I had bought the   XXXX   in   XX/XX/XXXX .  It was out of warranty so I asked for a low cost replacement- ( retired- $ limited ) .I have a   XXXX   XXXX   Card that I have used for years to buy printer ink- also exchanged a defective Printer twice recently. I found a similar   XXXX   XXXX   & requested a 2 yr. Finance Contract-same as I used 2 yrs. ago.
The request was denied b y    XXXX   XXXX   /  XXXX   XXXX   - Acct. Closed. The sales person re- entered the info requesting a new Card. Denied again. I had gotten " over my head '' w /  2 Cred it Cards ( my fault ) & was advised by an Attorney to file Chap.  XXXX . I did & it was dis- charged   XX/XX/XXXX . b ut to this date   XXXX   XXXX   has REFUSED to report my  XXXX  debt which was paid  off  XX/XX/XXXX  up  to this date. I explained this to the salesperson -nothing they could do- & purchased an Open Box ( returned ) similar TV for {$450.00}. Finally, as for this credit problem, I am looking to trade my   XXXX   XXXX   for a less expensive model which will lower my expenses by aprox. {$300.00} a mo. I have NO bills since Chap.   XXXX   & have never missed a pymt. with ANYONE. My SSI & Pension are {$2000.00} NET a month, my Current Credit Score is   XXXX      XXXX   XXXX  ,   XXXX   the   XXXX   others. Since the   XXXX / XXXX   rejection I 'm afraid I may not be able to make the car trade w/ a Co. like   XXXX   XXXX   ( lower rates etc ). I should be able w/   XXXX   since I 've been with them 2 yrs. & have saved {$2000.00}  XXXX  for a  XXXX  model- selling for {$12000.00} Max. That 's my story.