23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I checked my credit report and see this account on my credit report as a collection account. This account is not mines and does not belong to me I dont have a house or live at any house that I would have energy services in my name this account is fraudulent and needs to be removed from my credit profile XXXX XXXX XXXX Original creditor : XXXX Balance {$820.00} Date opened XX/XX/year>XXXX XXXX
Product: Checking or savings account

I have been banking with M & T bank, and have been using the same account, for almost 25 years. On Tuesday XX/XX/2019, I received a letter stating that M & T bank will no longer be able to conduct business with me and they would be closing my debit card on XX/XX/XXXX, and my account on XX/XX/XXXX without any explaination.I have another joint account with my wife, and that account has been already closed. Ive been to my current branch as well as another branch, been given 4 different numbers to call, and spoke with at least 10 different people, and no one knows a XXXX XXXX thing. No one can even answer a simple question : " WHY ''. Its incompetance at its best. NOBODY from M & T cares and after 25 years, now i have to close my accounts and bank with one of their competitors. I have requested total activity paperwork on my account from many years back so i can at least start my own investigation on why this happened and i will do it with out no help from M & T bank. Fine, They just kick loyal customers to the curb because some XXXX that sits and watches a monitor all day suppossedly saw something that " didnt look right ''. Okay, so instead of working with bank manager to figure out, M & T would rather say see you later and dont come back! UNBELIEVABLE!!! Can not believe this is happening. So UNPROFESSIONAL!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2016, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$2900.00}, XXXX XXXX  XXXX XXXX Balance : {$1000.00}
Product: Credit card or prepaid card

Wrote letter to Frontier Barclay MasterCard regarding charge for Frontier Airlines for {$590.00} for their Go Wild pass which was charged on XXXX XXXX. Also disputed with frontier. Their response was can not cancel, however in their ( Frontier ) terms and conditions it clearly states pass can be canceled. Service product does not Begin till XX/XX/XXXX Frontier claims you can go on their website, login under your account and go to section- XXXX XXXX XXXX and cancel at any time but when you go online that option is not available. And as of XX/XX/XXXX they are still selling that pass
Product: Credit reporting or other personal consumer reports

I do not want this information to continue affecting me because it is in my report in a negative way. I want it to be reviewed and eliminated now. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I keep receiving emails from paypal about amounts of purchases and its not me I dont have a active paypal account and im not sure how this is happening
Product: Credit card or prepaid card

SYNCB /amazon has not responded to my disputes with the credit bureaus XXXX  XXXX  and XXXX  XXXX . I want to credit her to update the credit reports in the credit bureaus about the XXXX  balance and pro status that is president XXXX at the situation also discredit is have not responded to my request in the past and they still haven't requested me telling them not to chew action faster the status of the account is I want is updated to XXXX balance closed. they've extended their time frame of upgrading making the credit reports current period
Product: Mortgage

I lost my job in 2009 and had to move to another state to work. I had to walk away from my home XXXX. Bank of America went to the courts for the permission to recover the home, which the court granted. It has been XXXX years and BoA refuses to finalize the foreclosure because it is not worth it for them finish. This is holding my family hostage. My wife and son both suffer XXXX. Living in limbo and not having a home of our own is having profound impacts on my family. I am a XXXX veteran who needs to buy a home here XXXX, but I ca n't move forward with my life, because BoA is treating my situation unfairly.
Product: Checking or savings account

It was not brought to my attention that Chase Bank was refunding NSF fees until XXXX of this year. It turns out, they issued a press release in XX/XX/XXXX that while they *were not stopping the practice of charging the fees* they would reverse the charges should a customer call. Since this information was brought to my attention I have called Chase repeatedly to work on getting over {$7000.00} ( XXXX XXXX Dollars ) in NSF fees reversed that have been charged to me since the beginning of the pandemic. I have explained the nature of my income loss that was Covid related and I was able to get many fees refunded. However, in my latest attempt to get XXXX  fees ( charged between XX/XX/XXXX and XX/XX/XXXX ) refunded totaling {$1100.00} Chase told me it was too late, that I should have called sooner. I couldnt have called sooner, I didnt know this was even an option. Chase did not send a letter, a message to my account from their secure message center or ANY OTHER type of correspondence that would have led me to, in a timely fashion, reach out to get my money back. Instead of issuing a press release that only people who stumble upon would read, Chase could have 1 ) Paused the charge of these {$34.00} fees during the pandemic OR 2 ) Notified their customers that they were offering refunds of these fees for Covid-19 related hardships. I have made 11 calls in the last 8 days to get this escalated. Only today after being given the run around for over a week that " you should see the reversal of fees credtied in your account in 1-2 business days '' was I told " Your request for a refund was denied and there is nothing else we can do '' What we can do is go back to these phone calls ( since they are all recorded ) to find out why I was told this was " in process '' and should be " reflected in my account any day ''
Product: Credit card or prepaid card

TD Card Services Charges : 1. {$7.00} Transaction Date : XX/XX/XXXX Company : XXXX Ref. No.XXXX XXXX. {$110.00} Date : XX/XX/XXXX Company : XXXX Ref. No. XXXX Charges : 1. $ {$6.00} Date : XX/XX/XXXX Company : XXXX Ref. No. XXXX 2. {$85.00} Date XX/XX/XXXX Company : XXXX XXXX. No. XXXX There were two charges that were charges I had made, so they are not included in this dispute. 
1. XXXX : {$40.00} and XXXX. XXXX {$7.00}. So these can be disregarded. 

I filed a dispute with TD Credit Card Services which they received on XX/XX/XXXX and was told they investigated and was denied. 

I then filed a second dispute eliminating the XXXX charges with documentation on XX/XX/XXXX and have not heard from them since. I feel my credit card was compromised and i no longer have charged anything to my TD credit card. I eventually will close this account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Discrepancy in Payment Posting : I made my payment on time ; however, XXXX XXXX delayed posting the payment to my account. Attached is the bank statement showing the exact date the payment was made and processed. The late payment was not due to any fault on my part but rather an internal processing error by the creditor.

First-Time Issue : I have consistently made all payments on time for this account prior to the disputed late payment. The late payment does not accurately reflect my history as a responsible payer.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX XXXX XXXX Ran unauthorized and illegal inquiries on my personal account to collect information in an attempt to tie me to a debt that is not mine. I do not validate this debt, this debt is not mine, I never granted ANY permission for use of my personal information to be used, spread, or reported by agency and I have no responsibility to this debt from XXXX XXXX XXXX. Following there actions they tanked my score by XXXX points without any proper notification of debt that is fraudulent.
Product: Money transfer, virtual currency, or money service

The app CashApp is texting me to try and get me to take out a loan without my consent with no way to opt out. I have contacted them to stop and never had the boxes checked to receive texted advertisements in the first place. After several email exchanges with management the problem was not resolved and they wanted me to speak to another department. I declined to go through this with an additional department and informed them I would be reporting the abuse of my personal information for advertising purposes without my permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 
XXXX, TX. XXXX XXXX XXXX. XXXX XX/XX/year> XXXX I am requesting a current copy of my credit report and that you remove any and all freezes or Fraud Alerts on my report.

Under the FCRA I am allowed to get a free copy of my credit report every seven days. 


Disputed item : I have never lived at XXXX XXXX XXXX XXXX XXXX, IL. XXXX and under the FCRA you can not just state that because an account shows that address that you are leaving the address on my credit report you must do independent research and provide me with the type of research you did and the outcome.

I have no problem filing a complaint with the CFPB and filing a lawsuit under section 1681n. Civil liability for willful noncompliance of the FCRA. 



XXXX XXXX. XXXX
Product: Payday loan, title loan, or personal loan

Loan ID : XXXX On XX/XX/2023 I requested a Buy now pay later loan from affirm in the amount of {$1700.00} to pay for a vacation rental through XXXXXXXX XXXX XXXX XXXX. On XX/XX/2023 XXXX charged {$890.00} in which affirm paid the other {$890.00} was due to be paid on XX/XX/XXXX. On XX/XX/XXXX, I cancelled those reservations in which XXXX refunded {$890.00} in which they charged which should have cancelled the loan minus interest owed on the loan. Affirm is still charging me the portion of the requested loan that was never paid out saying they paid it out, which is not true because the total original amount was {$1700.00} total for the rental. They have never paid out more than a merchant request. Its not a traditional loan and the money never comes to the borrower. I have provided receipts showing what XXXX charged and refunded as well as when the second payment to XXXX would have been due. Affirm is trying to make me pay my funds with interest in which they did not pay.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  XXXX 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 an 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: Debt collection

This debt was taken over by United revenue corp in 2012. They did NOT VALIDATE the debt and I do not owe them or original crediter. I sent letters for them to validate the debt with my signature and they failed to do so, so want to complain against their company.

I want this deleted from my records as they have been harrasing and have not validated the debt.

United revenue corp XX/XX/2012 {$570.00} DID NOT VALIDATE DEBT AND HARASSING ME
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX Department Dear XXXX XXXX  Dispute Department, Subject : Dispute of Fraudulent Account and Past Due Payment My name is XXXX XXXX, and I am writing to dispute a recent matter concerning a past due payment of {$1000.00} associated with a XXXX Bank account. I have received multiple letters regarding this debt, but I have no recollection of ever opening a bank account with XXXX XXXX. 

As a minor, I have never personally opened a bank account, and I believe this account was created fraudulently as part of identity theft. I am approaching the age of XXXX and would like to resolve this issue promptly. I have filed a report with identitytheft.gov and am in the process of submitting another report with the Consumer Financial Protection Bureau ( CFPB ). 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that XXXX XXXX  investigate this issue and take the necessary steps to close the fraudulent account and remove any associated debt. I should not be held responsible for a debt resulting from actions I did not authorize. 

Please confirm once this matter has been resolved. Thank you for your prompt attention to this issue. 

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

I disputed public information on my TransUnion credit report, requesting validation. The information was marked as verified, but they failed to provide details of the validation process.
Product: Mortgage

In XX/XX/XXXX, I applied for a loss mitigation package. After filling out all the paperwork, I just received notification XX/XX/XXXX, I was denied. In XXXX, I refinanced my mortgage. Two weeks later Hurricane Sandy hit and my home was damaged. A year later I lost my job. I managed to keep my mortgage current until these past few months. I have 8 years left and owe approximately {$140000.00}. I would like to extend the term so my payments would be easier to manage. Santander told me my income is too low to do that. Obviously that is the reason I am doing this. XXXX XXXX NMLS MLO # XXXX, is my loss mitigation specialist. I explained I can increase my income and he said to resubmit the loss mitigation package and it will be rejected again. He told me to plan my exit strategy. As it is only a matter of time before the house is in foreclosure and people will be like birds pecking all over me. He told me no one will make an exception for me.
Product: Consumer Loan

Synchrony Bank has begun charging me interest fees and late charges on my loan with them. I was to have an interest free loan for a number of years associated with my mattress purchase. I set up an automatic payment with my bank. The XX/XX/XXXX payment was made on XX/XX/XXXX because of the holidays. Synchrony did not credit my payment for XX/XX/XXXX, which has thrown everything off in their records, and despite the fact my regular amount payment to them has continued, late fees and finance charges have been building up. 

From my perspective, this is a bookkeeping problem on their end and I have lived up to my end of the bargain. I was apprehensive about this arrangement from the start for fear of being tricked into paying them fees and finance charges. My suspicions unfortunately are confirmed. 

Can you please help me with this? This anti consumer rip off type of practice should not be permitted by this awful financial institution.
Product: Vehicle loan or lease

Pursuant to 15 U.S. Code 1605 - Determination of finance charge- ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit.

Finance charge is defined as the sum of all charges according the federal law above. The sum of the finance charge is equal to any or all payments, so that includes late payments. The vehicle was already paid off once the car was purchased therefore late payments do not exist.

Pursuant to 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I the consumer never received a mailed " late notice '' within 21 days before the payment due date. Bridgecrest has violated 15 U.S. Code 1666b - Timing of payments, therefore the late payment is illegal according to federal law.
Product: Debt collection

I signed a XXXXXXXX XXXX with XXXX XXXX XXXX XX/XX/XXXX. When COVID hit back in early XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX in a different state in XX/XX/XXXX. Soon it became apparent that I would not be able to function on my own for a while, so I called XXXX XXXX in XX/XX/XXXX to give them notice about not renewing my XXXXXXXX XXXX  I continued to pay my rent until XX/XX/XXXX. Due to health issues and flight infrequency ( as a result of covid disruptions to businesses ), I XXXX XXXX XXXX in XX/XX/XXXX to vacate and clean the apartment. I informed the apartment manager about all this. And since I had not completely vacated the apartment in XX/XX/XXXX, I paid the rent for that month too. My parents and I cleaned and vacated the apartment by the end of XX/XX/XXXX. 
At this point, I was told that I owed XXXX an extra {$1600.00} ( XXXXXXXX XXXX ) because of terminating my lease. But I DID NOT terminate my lease. I completed my XXXXXXXX XXXX as I signed back in XX/XX/XXXX. There was nothing written in the lease that I had signed about additional charges past my lease. And I even paid for all the months I occupied the apartment during the term of the lease ( XXXX XXXX XXXX ) and the 1 month after ( XX/XX/XXXX ). When someone from XXXX contacted me about owing {$1600.00} back in XXXX, I explained all this, and even requested further written documentation about how this extra charge applies to me. No one got back to me, even after I tried contacting them again, so I assumed this matter was resolved. 
I only became aware about this issue again after these collection charges were posted to my credit report almost 4 years later on XX/XX/XXXX. I did not even get a letter from the collection agency, so I could dispute this charge with them directly.
Product: Money transfer, virtual currency, or money service

I am a US citizen who is currently based in XXXX. On Friday XX/XX/XXXX two unauthorized transactions were made via my debit card number through TransferWise linked to my XXXX XXXX checking account. The illegally withdrawn funds appear to be sent to an American based account. 

I noticed the fraudulent charges on Saturday, XX/XX/XXXX. The transactions were for {$990.00} and {$1000.00}, totaling {$2000.00}. 

I immediately called XXXX XXXX XXXX Saturday XX/XX/XXXX ) to place a freeze on my card and to open a fraud claim. Because the bank 's fraud department does not operate over the weekend, I have to wait a few days before I hear back from the fraud investigation. The XXXX XXXX    XXXX supplied me with a fraud claim number and asked me to wait for further contact. 

I then tried to reach out via phone and TransferWise 's online message center to report fraud but received no response. On TransferWise 's website I read that all of their transfers are final and can not be reversed or stopped once started, and that I have to file a complaint though this website ( https : //complaint.consumerfinance.gov ). 

I then placed a freeze on my credit, placed a fraud alert, and reported the action to IdentityTheft.gov
Product: Credit reporting

On or about XXXX 2014 my identity was stolen and numerous credit account were opened in my name in XXXX and XXXX. I disputed the accounts and a determination was made that I was not responsible for the accounts. The credit inquiry is still on my credit report. I did not ask for or apply for the fraudulent accounts.
Product: Credit reporting or other personal consumer reports

The late payment entries are inconsistent with my usual payment pattern.