23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I file a dispute to the incorrect information on my credit report.
Product: Checking or savings account

I was overcharged for an XXXX transaction back in XX/XX/2021. I worked it out with XXXX and had received my refund. However, chase bank wrongly went into my account and reversed this refund that I am still owed. I never received my refund from this transaction because chase bank went into my account and stole it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes about unauthorized accounts and fraudulent activity opened on my credit report without my knowledge. My information was compromised by equifax breach in XXXX and XXXX breach in XXXXMy information has been handled improperly. The inquiries and collections below need remove. In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 collections have a big impact on my credit score and need removed.I request proof of debt.And request removal because all 3 credit agencies are not reporting same accounts time, accounts information, or acount debts Information reported must be accurate. 

XXXX Reported : XXXX XXXX, XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Agency have take too long to conduct their investigation.
Product: Credit card

With Chase bank, I am enrolled into their " My Chase Plan '' program, where a payment plan can be set up for certain payments, with a monthly fee incurred. That monthly fee is wrapped up into the monthly payment and is not charged separately. Currently, I have 2 payments, one that charges XXXX XXXXXXXX and one that charges XXXX XXXX  Under the plan and that specified payment amount, it says " This includes the monthly fee ''. However, for the first time since I've had this card open, Chase charged me an additional fee for each of those plans. For reference, the fee for those plans are {$36.00} and {$2.00}. My monthly payment total should be {$180.00} with the fees included ; however, this month they double charged me these fees and now my total amount due is {$220.00}. They are claiming to have opened a case to look into this further and have not offered any solutions. This is a company that is looking to make a profit, so I'm not sure why their " we look into our wrong-doing and found nothing wrong '' approach thinks would work.
Product: Consumer Loan

I never had an account with General Motors. I sent a direct dispute asking them to provide me with documentation that I had an account with them, but they failed to provide me with any paperwork. They just sent a one-page letter stating that my account is reporting correctly to the XXXX, XXXX, XXXX agencies. I know it 's not reporting correctly because I never had an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 itemsI 'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 30 days past due which dropped my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out an FTC report on XX/XX/XXXX XXXX to XXXX, Equifax, and XXXX to remove inaccurate/ false inquiries. Equifax is working to remove the inquiries. However, XXXX and XXXX has yet to address my problem. Furthermore, it has been over 30 days for each of the three credit bureaus to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to solve the problem with the bank but they have no power to do anything they signed me up years ago for cards i didn't need and was charged fee 's for cards i didn't need as i was a student and only that one was really needed so when i found out i stopped paying and wanted them to take the fee 's and cards off. then i went to XXXX for a XXXX XXXX attempt. i just went and tried to get a new card and my credit is to low. i would like them to reimbursement me for fees from cards that i didn't need. and also to work with me on dissolving my debt and open a rewards card with them for i had outstanding payment record before i got into it with them about unnecessary cards and accounts.
Product: Debt collection

Was told accounts would be consolidate and interest would be frozen so I would just pay the principle. Mentioned one account was for when I was XXXX. They did not have records and I was not sent contract. Interest accrued:XXXX. Was told I could pay XXXX and then amount was changed to over XXXX. They lost my records and are missing 3 years of transcripts. Get everything in writing!!!
Product: Credit reporting or other personal consumer reports

Progessive Management Systems is not respecting my rights as a federally protected consumer under 15 U.S. Code 6802 to opt out of reporting to non-affiliated third-parties.
Product: Credit reporting or other personal consumer reports

My identity was stolen in XXXX and XXXX. I contacted upon discovering that online purchases had been made, but not by me or with my consent. The bank XXXX stated that there was nothing that they could do to help me. I called consumer reporting agencies also known as the credit bureaus. I was passed around from agent to agent. No resolution was reached. The fraudulent accounts were eventually removed from my reports. However, upon attempting to purchase a home. I discovered that accounts have reappeared on my consumer reports. I need this information removed permanently.
Product: Credit card or prepaid card

Having run credit and charge card operations for XXXX for 18 years with a good understanding of payment processing, it appears TD Retail Card Services has some serious operational problems. 

This TD  account is only for the payment of $ XXXX for a XXXX phone . I set up automatic payments via my XXXX XXXX XXXX XXXX process to be paid 5 days before the due date ( the XXXX of the month ). I received a letter dated XX/XX/2021 stating that my account was past due. Upon reviewing my XXXX account online, I discovered that TD  posted my XXXX payment one day late, despite the previous XXXX payments being posted early or on time. Since I was not notified of this until XX/XX/2021, I called TDs  customer service and spoke with three representatives on the phone over 90 minutes on XX/XX/2021 ( no one seemed to know what to do ) and explained that in over 20 years and hundreds of payments from XXXX XXXX XXXX XXXX, I had never had a single payment received late by any of the recipients. While I can verify that the payment was in fact sent on time, I was told by TD  that they could not verify receipt, only when the payment was posted. By default, TD is assuming the payment wasnt sent on time when I have proven it was. 

In addition, when I contacted TD  customer service XX/XX/2021 by phone I was told the initial late fee would be credited ( which has not been done to date ) and upper management would have to approve the second late fee ( for XXXX ). I sent an email to upper management ( no persons name was provided to me ) on XX/XX/2021 and received a response on XX/XX/2021 indicating that no credit of any late fees would be made. I then sent a letter to TD upper management, the Texas Attorney General, and XXXX on XX/XX/2021 requesting clarification as to why they didn't process the credit their representative said they would. While I received a response to my XX/XX/2021 letter from the Texas XXXX XXXX XXXX ( Complaint No. : XXXX ) I have yet to receive a response from TD. However, this past weekend, I discovered that TD Retail Card Services has now damaged my credit rating by reporting me delinquent to the credit bureaus. In addition, I have discovered that my XXXX payment delivered to TD XX/XX/XXXX and a payment to pay off the remaining balance ( ex. erroneous late fees ) delivered XX/XX/XXXX, as of today ( XX/XX/XXXX ), have not been credited to my account or presented to my bank for payment. 

I find it appalling and indicative of deceptive trade practices that TD said they would credit the initial late fee ( which has triggered subsequent monthly late fees while waiting for them to respond to me ) and they havent. This credit arrangement was an extended term, interest free, purchase plan for a XXXX mobile phone. Im now wondering if this isnt a scam to increase profitability by manipulating the application of payments, charging late fees, and ultimately coercing consumers to pay by reporting them to the credit bureaus. 

I would appreciate your help in getting this resolved and, most importantly, restoring my credit rating. 

Thank you.
Product: Money transfers

i paid for two jewelry items on ebay, a XXXX and XXXX. the bill was paid through paypal XXXX/XXXX/2016. the seller provided a usps tracking number but i did not get the items. i have made three trips to the post office, spoke with supervisor XXXX XXXX. she told me the trucks were checked daily and the post office found no spare packages. i soke with the seller, XXXX who stated " i did everything right and have no responsibility '' i opened a case on ebay which was promptly closed due to paypal opening a case. paypal opened case and " investigated '' found tracking number from post office and said it was delivered, it was not, i did not get the package. paypal has a buyers protection " from their front door to yours '' and charges 2 % on my sales plus interest on their account. i have contacted them no less than 10 times, but with delaying tactics only to get my hopes up. the last installment was monday ... XXXX/XXXX/2016 they open an appeal but i got an email today stating once again the case was closed. that case number is XXXX.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) stole my car without due cause. In the process, they stole over {$810.00} in cash between my XXXX cars and other personal items ( such as my personal finance information used to finance my auto loan ). An 'investigation ' was 'conducted ' and the result was no money was stolen. This is 100 % false and is theft. I have audio recordings of other unfortunate individuals stating they too had items stolen out of their vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in good standing and is not being reported on any of my credit reports. 

XXXX XXXX # XXXX
Product: Debt collection

I have spoke with collection agency regarding the account in question. This account was opened as a result of identity theft. This account was fraudulently opened without my knowledge.
Product: Credit reporting or other personal consumer reports

I have 2 inquiries on my Equifax credit report that I didnt authorize XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX, the owner of XXXX XXXX XXXX. I have been a loyal customer of Chase Bank since XXXX and have never encountered any issues until the recent incident I am writing to you about. 
On XX/XX/XXXX, I discovered two unauthorized transactions deducted from my bank account ( Account XXXX : XXXX ) using my debit card ending in XXXX. The transactions in question are : {$200.00} at XXXX XXXX, XXXX, FL {$9200.00} at XXXX XXXX, XXXX, FL During the time these transactions occurred, I was in XXXX XXXX, New Jersey. I have never been to XXXX, Florida. The day before, I used the card in my office in New Jersey. 
Upon discovering these discrepancies, I contacted Chase Bank multiple times by phone and visited the main branch in XXXX XXXX on the following day. I met with the manager, XXXX XXXX, who advised me to file a police report, which I did ( Department Case Number : XXXX ). 
On XX/XX/XXXX, my lawyer sent a letter to the Legal Department detailing the issue and attaching the necessary documentation. 
Upon inquiring how these transactions were executed, I was informed that the authorization was made by phone and associated with the telephone number XXXX, which is my office landline ( attached is the landline bill from XXXX XXXX for the mentioned period ). Therefore, these transactions were done without my authorization. 
On XX/XX/XXXX, we received a reply stating that my claim was denied due to the PIN being entered with bad attempts and a one-time passcode sent to the phone number on file, despite it being a landline. I believe there is a deficiency in the system that allowed the perpetrator to execute these transactions fraudulently. 
Given the circumstances, I kindly request an internal audit and thorough investigation into this matter. I believe that an independent review by your esteemed department will uncover the issues and ensure that the bank 's systems are secured to prevent such occurrences in the future. 
Attachments : XXXX. Police report ( Department XXXX XXXX : XXXX ) XXXX. Transactions in question XXXX. XXXX sent in XX/XX/XXXX XXXX. Reply received in XX/XX/XXXX XXXX. XXXX XXXX landline bill for the mentioned period XXXX. REPLY IN XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and I noticed I had multiple reports of of the same debt collection that I believe all show as negatives on my report. It happens multiple times as well as with multiple collection agencies. The dates, amounts and agencies are as follows : XXXX XXXX XXXX : in the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$170.00} on XX/XX/XXXX {$170.00} XX/XX/XXXX Wakefield & Associates : In the amount of {$1000.00} on XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX This one is the same as the first debt collection I have listed just under a different name and an earlier date : XXXX XXXX XXXX : In the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX It seems as if these companies wanted to hurt my score by reporting the same debt multiple times. As of now I have not been in contact with any of the agencies, this is my first step. I am hoping to get a better understanding as to what has happened and determine proper recourse from there. I could be wrong and reading things incorrectly, if that's the case I am sure you will let me know.
Product: Mortgage

Penny Mac had my mortgage, but sold it on to XXXX in XX/XX/XXXX. 

I spoke to XXXX XXXX in XX/XX/XXXX. 
She says that Penny Mack had taken > {$5000.00} for flood insurance in XX/XX/XXXX and for Lender Placed Insurance in XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX. Both over {$9000.00} each. 

I have faxed over proof that I had flood insurance. 

I had insurance thorough my agent XXXX XXXX with XXXX   XXXX and we had to switch insurance to XXXX XXXX as XXXX  pulled out of insuring Florida. 

Penny Mack chose to not pay my insurance company and instead imposed their Lender Placed Insurance at triple what I should have been paying. I have given my Insurance company 's telephone number and proof that they had sent the request. 
They have not contacted them. 

I have faxed various letters, spoke to various people and had a few calls saying that they would sort it out. Then it becomes another person.
Product: Mortgage

When making payments the mortgage company is holding the funds indefinitely before posting payment to account. Then they post the majority of the payment to interest
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquires being furnished on my consumer reports. 
1XXXX XXXXXXXX ( Bank ). XX/XX/XXXX 2.XXXX XXXX XXXX XXXX ). XX/XX/XXXX 3.XXXX XXXXXXXX ( finance ). XX/XX/XXXX 4.XXXX XXXXXXXX ( Bank ). XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

Line of credit was opened in my name fraudulently with the Bank of America. Hard inquiry was placed on my credit report
Product: Credit reporting or other personal consumer reports

TransUnion continually illegally does not investigate my claim for identity theft. I have submitted my drivers license along with my Social Security card and a copy of the FTC report that itemizes 3 separate XXXX  accounts to be fraudulent. They continually report this on my report without investigating I have disputed it several times uploaded the FTC report with the 3 itemized XXXX accounts, and they continually do not investigate, this is against the law they are not practicing fair credit reporting. They need to be held legally liable XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX After complaining, they limited my access to my credit report I am not able to dispute anything through the website as retaliation. I will be filing a separate complaint regarding this as well.
Product: Student loan

In XX/XX/2022, I took a XXXX loan to take a XXXX course with XXXX XXXX was the representative from XXXX who recommended that I take a XXXX  loan from Meritize XXXX in the amount of {$11000.00} to cover a two-part course. The first part is done online, and the second part would be done on XXXX in Massachusetts. I have not been able to log in to my account with XXXX to finish the first part, and XXXX, my representative doesn't appear to work with the company anymore. I have made several phone calls to the XXXX school, and no one has returned my call. 

It is noted that that XXXX  took the full tuition from Meritize XXXX of {$11000.00}, when I only started the first part, and wasn't able to finish the XXXX. I have not taken the second part of the course, but XXXX took full payment for. 

I have not been able to finish the XXXX, but XXXX has the full payment for the entire XXXX
Product: Money transfer, virtual currency, or money service

I have funds in coinbase wallet app. on phone. I can not withdraw funds and send to my bank. Ive Tried every step that they have given me to no success. you cant reach them by phone only AI online for questions. I can access my wallet and see the funds there. and all the activty when it was deposited. but cant withdraw. home office is in XXXX  NY. The funds were deposited on XXXX XXXX XXXX XXXXXXXX. I have the transaction hash and the time stamp.I am on my lap top all the info is on my phone if you want screen shots please email me and i will reply on my phone and can send photos of what you need. Thank You XXXX
Product: Vehicle loan or lease

I am requesting for a update to all three of the credit reporting agencies for me XXXX XXXX and XXXX XXXX for 30 + delinquency reporting for XX/XX/XXXX and XX/XX/2019. I have encountered some medical issues in the beginning of 2019 and have tried my best to keep up with my bills. I am asking for a goodwill update due to the unforeseen circumstances with health that caused the payments to be late.
Product: Credit reporting or other personal consumer reports

credit reporting agency is reporting incorrect and outdate address and information on my credit profile these companies are violating my rights as a consumer this is causing hardship for me and my family this situation is causing me be denied of housing opportunities and job opportunities.
Product: Credit reporting or other personal consumer reports

I was a victim of identity fraud I submit all the documentation showing this and equifax refused to remove inquiries that did not belong to me One of the securities breeches from equifax resulted in my identity being compromised