23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

1. In XXXX I had XXXX XXXX XXXX " XXXX XXXX XXXX, XXXX rebuild the engine on my XXXX XXXX XXXX XXXX XXXX, but they did not properly repair the vehicle. They only replaced one lifter instead of all lifters, did not repair the valves and replaced a XXXX. Also, I have replaced the camshaft sensor three times since the repair. I paid for the repair with my XXXX XXXX XXXX XXXX credit card. I requested the credit union do a chargeback against the repair shop or hold them responsible to properly repair my truck, but XXXX refused. 
2. XXXX XXXX XXXX XXXX XXXX XXXX was used by XXXX XXXX XXXX when I was XXXX XXXX XXXX XXXX for XXXX  days. She continued to use my card many times after my discharge. I approached her about it, and she promised to make good on the unauthorized purchases but never did, I filed a police report with the XXXX XXXX  police department. My identification was lost/stolen and as a result there were some attempts to open accounts by unknown person ( s ). I am a XXXX XXXX, and she has committed XXXX  XXXX. XXXX XXXX has refuse to go after her to rectify this situation.

3. If you review my credit history, my credit score has not been below XXXX for more than 35 years. In addition, you will see that I have always paid on time or before time with all of my legitimate accounts including my mortgage. I have also paid off another mortgage XXXX  years ago. XXXX has baselessly reduced my credit limit to a mere {$100.00} and refuses to restore my credit limit t to its original level. This is an unfair practice, and no one needs a {$100.00} credit limit it is virtually useless. 
4. XXXX XXXX XXXXXXXX has reduced my combined credit limit by {$23000.00} and it continues to get reduced with every payment. This is again a baseless and unfair practice. By reducing my credit limit with each payment, my credit utilization rate increases and with XXXX  XXXX XXXX and XXXX the utilization rate is now remaining above 90 % when is has always remained under 50 %. This is again evidence of unfair credit practices and needs to be stopped. 
5. Whenever a well reputed debtor has been consistent in paying their debts on time and before time, then isolated incidences of dispute appear on the radar, this is a red flag that something is desperately wrong with a transaction, the creditor treatment, be it interests, reduced limits, pending disputes, or some other issue. This does not mean that a debtor is having financial woes, under duress or strained financially. It may mean as it does in my case that I refuse to pay for transactions that I did not create, and I am not responsible for.

6. Barclay card claims that I owe a specific amount for charges on my card, and I have explained to them that I did not make these charges. I have never been on paperless billing, and I do not receive statements from Barclay, so I am not sure why they haven't rectified this situation as of yet. I am sure this is related to the loss or theft of my wallet and identity theft of my information. This has an adverse effect on my credit score/report and needs to be immediately corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone that I don't know created multiple credit card accounts without my permission. I am suffering from identity theft. I discovered this problem after reviewing my credit report when I was planning on purchasing a new home. 
I don't have any clue or leads where this crime may have occurred. To resolve this problem, I written a letter to credit bureaus and I filed an identity theft report to Federal Trade Commission. Even though I have submitted what I can to three credit reporting agencies, all three companies are still reporting few accounts without validating and verifying account 's originality. I have requested to provide and reviewing the following documents. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account I have never received any of these requested documents from the creditors nor the credit reporting agencies. It is a clear violation of FCRA and FDCPA. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE ADDRESS 1. XXXX XXXX XXXX XXXX, TN XXXX 2. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 4. XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of incorrect entries from my credit report. Can you please examine the documents? Some of the listed accounts are inaccurate in terms of their reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has flagged my account as Charge-off on XX/XX/2024 in the amount of {$610.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and notced several inaccuracies in my account. This account is hurting my abilility to obtain credit.It is my understanding that you will investigate these tems for me to ensure accuracy. 


Here is the tem I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A dispute was initially filed on a {$330.00} purchase made on XX/XX/XXXX. We placed a dispute on the amount on on card on XX/XX/XXXX when statement was received by email on XXXX from AMEX.. AMEX opened up an investigation on the dispute. On XX/XX/XXXX by US Mail AMEX indicated the charge was made by telephone and only sent us a Credit Sale printout with no details on the purchase. We do not know how they got our zip codes, XXXX codes and 4 digit codes off the card. AMEX reinstated the purchase made on our account and is expecting payment on this amount. I Have asked AMEX on todays date XX/XX/XXXX to reopen the investigation.
Product: Debt collection

PHOENIX FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX They reported the collection amount of {$1300.00} to my social security now my credit score is low, now I talked with the financial services of XXXX XXXX XXXX XXXX XXXX MD, His name is XXXX phone number is XXXX and I applied for Finacial Aid and I was APPROVED with 100 % discount and I shouldn't owe anything. So I want all the collection in my credit score to be dispute because this is unfair.
Product: Credit card or prepaid card

I had a credit card from Bank XXXX XXXX a few years ago, and I set up auto payment for this account. 

After I opened BOA checking account, the autopay was messed up because of the bank 's internal system. I didn't notice the change, until the day until I own a balance and was charged recurrent late fees and interests ( almost {$200.00} XXXX. 

I called the bank, they closed my account, and denied it's their system 's fault causing difficulty of setting up the auto payment. I made a lot phone calls with the customer service, transferred between different department to fix this system setting. 

The agents claimed I could update the setting on my own so I should be responsible for the late fees. The fact is, the setting was corrected by the backend of the bank 's person, kept me in phone calls for hours long to help them set that up. I followed all the instructions but didn't not work after multiple try. 

In the end, I was still charged the late fee and interests due to the system setting up issue. And until now, I still don't know why the auto pay was changed and how they fixed that, and why it's my responsibility to pay for the bill while I can not set it up because of the system issue.
Product: Credit card

On or around XX/XX/XXXX, I reached out to Citi Bank customer service to address a financial hardship. I requested a deferral or the option to add my XXXX payment to the balance. The agent informed me that Citi Bank does not accommodate such requests. Consequently, I asked for the removal of auto-pay from my account to handle the payment personally. The agent assured me that this request was fulfilled, requiring no further action on my part. 

On XX/XX/XXXX, I discovered that Citi Bank/Best Buy had debited {$580.00} from my bank account without my consent. Upon inquiring, the agent stated that the deduction covered payments for XX/XX/XXXX, XXXX, and XX/XX/XXXX. I questioned the unauthorized deduction and received no satisfactory explanation. Frustrated, I terminated the call and initiated contact with my bank, disputing the charges for lack of authorization. 

It's crucial to note that the agent refused to clarify why XXXX was included, consistently redirecting the conversation to prompt a payment. I promptly contacted my bank, disputing the charges for the same reasonI had neither authorized nor given permission for such deductions. Prior to this incident, I had consistently made timely payments. 

Around XX/XX/XXXX, I contacted Citi Bank again to arrange a payment plan. However, the agent informed me that my account had been closed due to being 37 days late. The only option offered was to agree to a monthly payment amount, with interest accruing on the closed account. I find this action unfair and biased, as I have never encountered a situation where an account is closed for a mere 37-day delay. This appears extreme, especially considering my history of on-time payments since acquiring the card. I suspect that XXXX  may have played a role in these decisions, and I believe the actions taken by Citi Bank are disproportionate to the situation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Sezzle Inc regarding inaccuracies in the reporting of a charged-off account and multiple unresolved late payments. The account, [ Account XXXX : XXXX ], is reported as charged off with a balance of {$620.00}, and it reflects late payments from XXXX through XXXX. I have previously disputed these issues directly with Sezzle on XX/XX/XXXX but the reporting remains unresolved. 

Details of the Dispute : Charged-Off Account : The account is marked as charged off with a reported balance of {$620.00}. I dispute the charge-off and request validation of this amount, including a detailed breakdown of the charge-off and any fees associated with it. 
Late Payments ( XXXX ) : The account shows multiple late payments from XXXX through XXXX, including XXXX, XXXX, XXXX, and XXXX delinquencies. These late payments are unverified and do not match my records. 
Failure to Validate : I have requested documentation to substantiate the charge-off and late payments, but Sezzle has failed to provide adequate proof.

Applicable Consumer Laws : 15 U.S.C. 1681c ( a ) : Under the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs should not remain on the credit report for longer than seven years. I request that this information be removed if the charge-off is older than seven years.

15 U.S.C. 1666b : Sezzle is required to verify and substantiate late payment claims for open-end credit plans. I request proof of the late payments.
Product: Money transfer, virtual currency, or money service

Pnc bank blocks XXXX cash transfers in order to use their own system and it will not allow for money to be deposited to crypto currency wallets.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX admitted that verification was not possible and this is attached. XXXX indicated that the debt was verified and it was not this is a violation of the FCRA. 

Please provided verifiable documentation of XXXX XXXX this has been over 30 days and must be deleted and it is clear that no investigation is going on at XXXX based on the above.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern regarding the presence of fraudulent items associated with my profile. I have recently become aware of the existence of these items and am deeply troubled by their presence. 

The fraudulent items in question include unauthorized transactions, false information, I have attached supporting documentation. 

I understand that your company takes matters of fraud seriously and is committed to maintaining the integrity of its services. However, the current situation has caused me significant distress, and I am seeking prompt and effective resolution to rectify this matter. 

I urgently request that the fraudulent items be removed from my profile at the earliest possible time to prevent further harm and safeguard my personal information. 

I request a thorough investigation into the origin and circumstances surrounding the fraudulent items. Understanding how this occurred is crucial to prevent future occurrences and to hold responsible parties accountable.

Clear and timely communication throughout this process is essential. I request regular updates on the progress of the investigation and the steps being taken to address this matter. I am asking for your assistance to remove these fraud 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
Product: Credit reporting or other personal consumer reports

XX/XX/2024 i requested my items be updated and fixed on XXXX  and im currently waiting for a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern at the following discovery account and the information reported about this specific account is being illegally reported without my written permission nor was I put on notice before my financial information was shared and furnished to 3rd party non affiliates and is being inaccurately reported by doing so I demand that the late payments or any derogatory remarks or information be deleted immediately from this account and never to be reported again without my written permission your company is in violation of us code and CFR laws and the following violations are 15 usc 6801 also 15 usc 6802 and 15 usc 6803 only resolution I will accept for violating my consumer rights, rights to privacy and my financial information confidentiality u have 7 business days to delete and remove all previous reported derogatory remarks comments late payments etc failure to do so will result in a violation of 15 usc 1681n ( a ) ( 1 ) ( A ) civil liability for willful noncompliance
Product: Checking or savings account

Bank of America is aware my account receives deposits every XX/XX/XXXX of the month from the government through the Treasurer Department for XXXX, I had written out two checks ; 1. {$5.00} - XXXX XXXX XXXX   XX/XX/XXXX 2. {$400.00} - XXXX XXXX ( My landlord for rent ) Dated XX/XX/XXXX I had the appropriate funds in my checking account when the checks were issued, however due to having the need for clothes, I made a purchase at XXXX for {$64.00} that unfortunately was budgeted incorrectly and led to an over draft for the written checks.

I spoke with Bank of America and was refused any courtesy refunds, I was notified I had one " valid '' overdraft waived last year in XX/XX/XXXX therefore can not receive another, however Bank of America fails to realize I've banked with them for over 30 years and never abused their policies or took advantage of requesting my fees to be waived.

It's unfortunate this occurred and Bank of American can not provide help to their customers who have been with them for this long.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Our home ( primary residence ), as a result of 2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per credit karma but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX XXXX, XXXX, TransUnion and XXXX, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX, Arizona XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was involved in an accident and my vehicle was considered a total loss. My insurance company issued me a check for the amount of my vehicle and wilshire consumer credit was issued a check as well to pay off what was owed to the vehicle. I had asked several times about company getting check and posting it to my account to be shown as paid off
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous of accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home foe my family. Please remove from credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX after the leased ended and vehicle was turned in. The letter is dated XX/XX/XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XX/XX/XXXX. The car was in excellent shape and the lease was paid as agreed. This was my 3rd lease with XXXX/XXXX AND I was in good standing with A1 credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the XXXX is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease 3 XXXX from XXXX XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions are authorized I was charged fees due to lagged posting of charges and credits. This aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Debt collection

I have contacted Midwest recovery several times. I advised them the account was not mine and have sent several verification letters. Midwest Recovery will not send me verification of the debt that 's has my signature NY drivers license or anything I have asked them to verify. They have someone else 's name and it keeps reporting on my credit report. Then I disputed the account and it has taken longer then 30 days since I did the dispute. I also sent a copy of my police report and they are still reporting this fraud account.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my XXXX XXXX and needs to be looked at immediately. Please see items listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting a late payments, yet XXXX and Experian are reporting that I paid on time. This is inaccurate reporting so please remove this late payment off my credit report and update it to paid as agreed for I made my payment.
Product: Mortgage

Mr Cooper letter dated XX/XX/XXXX says does not do balance reduction but letter before was transferred to Mr Cooper from XXXX XXXX XXXX DATED XX/XX/XXXX STATES OTHER WISE honor what was offered! Will post on social media until done!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX XXXX credit card in XXXX of 2011 when purchasing a toaster oven online and returned the oven when it malfunctioned for a full refund. Instead the credit card statement showed a balance due of {$5.00}. I wrote the bank - Comenity of Ohio the issuer of the card about this but they refused to do anything. Over time the balance grew to {$44.00}. 
Comenity reports this account delinquent and my credit report is now bad. Several bank card companies have reduced their credit lines to me referencing this delinquency. 
Last month Comenity sent a letter saying that as I have a " good payment history '' they forgave {$30.00} of the amount shown past due. My current statement now shows a balance due of {$15.00}. Thus over five months the incorrect {$5.00} has increased by {$10.00} all of which is the $ XXXX monthly minimum interest fee times 5!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sold this account to XXXX XXXX. XXXX XXXX hired XXXX, XXXX and XXXX XXXX XXXX XXXX to garnish {$8000.00} from my income. Approximately {$1600.00} was collected through XXXX XXXX XXXX in XXXX, Virginia through this garnishment. A payment plan was installed with XXXX XXXX and XXXX XXXX XXXX XXXX for the remaining amount to be paid in the amount of {$130.00} due on the XXXX of each month beginning XX/XX/2022. Payment plan is active and current as of XX/XX/2022.
Product: Student loan

I have been attempting to get my XXXX processed since XX/XX/22. Mohela provides different excuses why my XXXX has not been processed each time I call or email. I qualify for complete loan forgiveness under pslf and they have done nothing since my loans were transferred in XX/XX/22 except provide multiple reasons and excuses why nothing has been done.