23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX I realize when I lost my personal cellphone away on work, I also lost my Chime debit card when I got home. I called chime as soon as I realized and had all paperwork back to them by XX/XX/XXXX. I made a police report and sent them the reference number for a police report. I called 3 credit bureaus to report Incident. They did investigating in regards accounts trying to be open. The amount is in question with chime is {$3700.00}. I have called every day. I got emails saying XX/XX/XXXX for provisional credited. During this time im a traveling XXXX XXXX and I lost my assignment in XXXX at the XXXX XXXX working for the Veterans due to no funding for hotels. When the fraudulent incidents took place I was in XXXX XXXX  XXXX working. I lose my contract job. XX/XX/XXXX is when I got a email from chime stating no error concluded. Police found 3 fraudulent charges so far but cant say anything until their investigation is done. Credited Bureau found credit account trying to open in my name. Sent Chime documents proof of fraudulent and still havent got refunded as if XXXX. I also requested info from Chime. I havent received anything from them beside emails about XX/XX/XXXX. No one called me. No one asked for more documents. I sent them willing. I want my provisional credit and chime to fully investigate my case
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of XXXX accounts listed on my credit report that I believe to be errors due to unverifiable information and potential identity theft. These accounts are : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts do not correspond to any addresses associated with my personal profile, nor do they reflect any transactional activity that I can verify as my own. 

According to the FCRA Section 1681i, any information that can not be verified or is incomplete must be removed from a consumers credit report. The inclusion of these accounts without any associated addresses strongly suggests that the account details are unverifiable. Furthermore, the presence of these accounts might indicate potential identity theft, as I have no knowledge of these accounts being opened under my name, and they do not relate to any of my known financial activities. Under the FCRA, I am entitled to dispute fraudulent entries to protect my credit rating from unwarranted damages. 

Attached to this letter are snapshots of my credit report showing these specific accounts having no association to any address on my credit report. I hereby request the removal of these accounts from my credit report.
Product: Debt collection

In XX/XX/XXXX XXXX insurance charged us {$180.00}, while my husband and I signed an agreement on XX/XX/XXXX for $ XXXX/month. We did not receive a prior notification or renewed agreement from XXXX that flagged the higher amount. XXXX withdrew additional {$99.00} through automatic payment without our authorization. 
When we disputed the higher charge and legitimacy of charging insuree higher payment without prior authorization, XXXX could not provide a clear explanation and justification of their actions by law. 
Moreover, we were provided misleading information about laws, when we were trying to cancel our policy with XXXX. The XXXX representative first refused to cancel our policy until we provide the prove of new insurance, saying it is required by DMV laws. Although, we were already insured with the other provider, we did not want to share that information with XXXX without legal grounds for the demand. When we requested the link to the law, XXXX could not provide the link, they then said there was no law like that, and apologised for misunderstanding XXXX the concersation was held on a recorded line ). 
Since we could not resolve the dispute with XXXX, we had to dispute the payment through our bank in XX/XX/XXXX. XXXX was informed about us disputing the payment throught the bank via official email dtd XX/XX/XXXX. The email was not anwered by XXXX. Our bank disputed the payment - we received the payment back. 
However, in XX/XX/XXXX we received a letter from Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX informing that XXXX  placed our account to CCS for collection. 
We please ask Consumer Right Protection Bureau to help us settle the dispute with XXXX, as the dispute was caused due to XXXX 's fail to flag the increased insurance payment by prior notice and withdrawal of higer amount from customer 's account with customer 's authorization.
Product: Credit card or prepaid card

In good faith I respectful report an unforeseeable issue with Amex for my personal XXXX XXXX ending XXXX. 

Prior to the annual fee due date, XX/XX/2022, I advised Amex that I am NOT interested in paying the unreasonable membership fee for an account I do NOT use enough. I was clear I wanted to close the account, which I believed Amex honored as is my right to close and NOT be required to pay the annual fee. Only weeks after I find out that Amex did NOT close my account. AND charged me interest on the membership fee. Interest. Unacceptable. Then Amex claims even if I closed the account, I would be responsible for the annual fee. Claiming 30-day policy to close account. 

This is the problem. Amex was advised that I did NOT want to pay the annual fee, thus I do NOT want to keep the account. Close the account. Plain English. Close the account. Therefore, I want to close the account. Plain English. Instead, Amex played riddles, misleading me by misinformation that I was obligated to pay the annual fee even if I close the account. Now we are talking about a billion dollar, maybe trillions, international corporation. Playing games for XXXX Assuming me stupid. 

By coercion of obligation to pay fee and be charged further interest for unpaid membership fee, I involuntarily paid the XXXX Then Amex hit me with a XXXX  late fee. 

I reiterated my original request to close my account and a full refund of my membership. The representative played with words deceiving me to believe I would receive a full refund of my membership. Amex closed my account, THEN advised me NO refund. THEN credited me the XXXX  late fee. 

Simply stated, I deserve and want my XXXX membership refund in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I want this account off XXXX XXXX
Product: Mortgage

As per case # XXXX ... Green Tree stated that they did not assess any late fees to our Account XXXX. XXXX with them which is now paid and closed. However, in their own accounting of the statement sheet they attached to their response to that complaint, there 's {$500.00} listed there under the 'late fee ' column. Since we disputed any late payments ( we did n't pay late ... Green Tree was applying the payments late due to our bankruptcy ), we want Green Tree to refund that money via check XXXX {$500.00} XXXX since they said they did n't assess it anyway as follows : '' ... there has not been a late fee assessed to your account, nor has there been any negative reporting to the credit bureaus. ''
Product: Mortgage

Since XXXX we have paid our equity loan on time up to including XXXX XXXX. Citizens Bank returned the XXXX XXXX payment stating the account XXXX is closed. When I called the bank, I was surprised to be referred to XXXX, a debt collection agency who then referred me back to Citizens Bank ( XXXX XXXX XXXX XXXX XXXX who said the account changed last year and is now in foreclosure and then referred me back to the collection agency. 

Last year we were in chapter XXXX bankruptcy and the mortgage and equity payments as NEVER included or an issue in bankruptcy and again we always paid on time. 

The issue is that Citizens Bank never informed us of the account change and continued to add late charges and penalties totaling {$2100.00} XXXX XXXX ( Citizens Bank ) stated that due to the bankruptcy reason, Citizens Bank could not contact us. I stated that every month the bank accepted our monthly payment and although we were discharged in XXXX XXXX, the bank made NO attempt to call, email or send a letter stating the account was changed. My attorney ( XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX wrote a letter ( XXXX XXXX, XXXX ) to XXXX XXXX, SVP Citizens Bank Mortgage Services. At this point in time, no one from Citizens Bank will respond or speak with me or my attorney regarding the negligence of imposing penalties and late fees. We are asking that the penalties and late fees be removed because Citizens Bank was negligent in not notifying us of the account changes and continued to impose penalties and late fees. 

On XXXX XXXX, XXXX, we received the FIRST statement which shows fees and penalties removed and also added back in on the same statement. XXXX XXXX ( Citizens Bank ) said this was a confusing statement and referred it to her manager to respond to me. After two weeks, I never heard from Citizens Bank and called XXXX XXXX who stated her office was busy and can not speak further until payment is received including all penalties and late fees. 
My wife and I feel extremely frustrated that the bank has made no attempt to recognize the negligence with the only response is to put our home in foreclosure. 

Attached are copies of the letters from my attorney 's office, bank statement, Debt collection agency, and foreclosure notice from Citizens bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Product: Credit reporting or other personal consumer reports

Recently in monitoring my credit report to gauge increases in credit, I noticed considerable or a great inconsistency with the credit score reported between Experian and other credit reporting bureaus. Specifically, the credit score reported by Experian was lower than another credit reporting agency. Additionally, I recall disputing several inaccurate reports, over the past 10 years, but Experian does not properly investigate or remove the inaccuracies from the credit report. This difference in the credit score affects a consumer 's ability to have a GOOD credit rating. 

This is an ongoing occurrence, which has negatively affected personal and/or business endeavors. These negative effects include but are not limited to diverting a consumer 's ability to receive lower interest rates on loans or credit cards, preventing consumers ' ability to be financed by XXXXXX/XX/XXXX for an auto loan, and more. The fraudulent and deceptive practices of Experian are intended to solely benefit the unlawful credit reporting bureau. This unlawful organization should be held accountable to the fullest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX XXXX XXXX. Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 or other personal consumer reports

Dear CFPB, I am writing to dispute the accuracy of several charge-off entries on my credit report, as required under 15 USC 1681 ( e ) ( B ) of the Fair Credit Reporting Act ( FCRA ). The following accounts are listed as charged off : XXXX. XXXX XXXX Reported on XX/XX/XXXXXXXX XXXX XXXX for the amount of {$3200.00} XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX Reported on XXXX XXXX XXXXXX/XX/XXXX, for the amount of {$1700.00} XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX Reported on XX/XX/XXXX, for the amount of {$6000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX, for the amount of {$2200.00} XXXX. XXXX XXXX  Reported on XX/XX/XXXX, for the amount of {$1700.00} XXXX. XXXX disclosed is the XXXX form The respective lenders have written off these accounts. The lenders have determined that they will not pursue collection of these debts and have classified them as canceled or forgiven. My tax records will reflect this status through a XXXX form, indicating that these debts have been officially forgiven and are considered resolved. 

These accounts were charged off but should not be reported as derogatory items. The lenders have acknowledged that they will not collect the debt and have classified it as canceled or forgiven. This means that the debts will be reported to the IRS as discharged, and I will receive a XXXX form for tax purposes, and I have received some already. Consequently, the debt is considered canceled or forgiven and will be reported as income on my taxes. 

Since canceled or forgiven debt is reported as income and not as a derogatory mark on a credit report, having these accounts listed as charge-offs is incorrect. These listings inaccurately affect my credit profile and should be updated to reflect that the debts have been resolved or forgiven. 

Including this information on my credit report as derogatory violates the FCRA, which mandates that credit reports must not include income or tax-related data. Therefore, reporting these forgiven debts as charge-offs not only misrepresents their status but also constitutes an inaccurate and unlawful entry on my credit report. 


According to the FCRA, credit reports must accurately reflect a consumers credit history and should not include income or tax-related information. Since these debts are no longer collectible and will be reported as canceled on my tax records, they should not be listed as charge-offs or derogatory items on my credit report. Reporting them in this manner violates the FCRA and inaccurately affects my credit profile. As such, since these debts are canceled or forgiven and will be reported to the IRS as discharged, they should not appear as derogatory items on my credit report. Reporting these debts as charged off is incorrect and misleading. I request that these entries be corrected or removed from my credit report to reflect their status as written off and forgiven accurately. Enclosed are copies of the relevant documentation, including the XXXX form or other proof of debt discharge. 

I request that you investigate this matter and remove these entries from my credit report.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Bankruptcy # 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 or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with LVNV FUNDING LLC they did not provide me with the original contract as i requested.
Product: Mortgage

On XX/XX/2018 I sent via overnight mail at my expense a guaranteed cashiers check in the amount of XXXX to satisfy my monthly principal and interest. On XX/XX/2018 I received notification from XXXX that Seterus received the guaranteed cashiers check. As of XX/XX/2018 Seterus has not applied the guaranteed funds toward my mortgage principal and interest. Seterus is willfully trying to cause my mortgage to be in late payment status.

In addition to Seterus not applying a guaranteed cashier check their have been two other instances where Seterus has not attempted to apply payments that have been sent. 

On XX/XX/2018 I attempted to make a payment through their on line payment service for {$2300.00}. The transaction confirmation # for the payment was # XXXX. Seterus Inc did not accept the payment. On XX/XX/2018 I sent by overnight mail at my expense a second payment for {$2300.00} which would have satisfied my XXXX due date. Seterus once again did not accept the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am divorced as of a year ago in XXXX, filed chapter XXXX bankruptcy which was filed on XX/XX/19, loans against house through XXXX and XXXX were both taken off credit report, ex husband changed loans through another company for house and now my name is back on loan as joint account holder and it is on both XXXX and Transunion credit reports after having been removed from bankruptcy, talked with Transunion, not easy to get this task done, also emailed XXXX but forms are difficult to complete and although it was taken off credit report and put back on by them I have to jump through hoops to get this done, in a nutshell, XXXX XXXX XXXX has my name on account, cannot contact them or talk with anyone because I have no account info, so I am in need of assistance. bankruptcy lawyer more than willing to submit papers but no one even has a fax number, but tons of forms to fill out, I don't understand how it was taken off by them but placed  back on in error but not able to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

For at least 2 years now, I have been unable to obtain my Credit Reports online. Each time I try, I get an error message saying : " Unable to Complete Your Request Online Unfortunately, your request can not be fulfilled online at this time. 
Please request your report using one of the other options below. '' In some cases I can reach the 5 questions about my credit history to verify my identity, but even though I know I answered the questions correctly, I still get an error message similiar to the one above. 

This is unacceptable as it forces me to waste my time applying for my reports either via phone or via XXXX, while I should be able to have the convienance of using the wesite like every other consumer does. 

Please contact the relevant agencys so that I may correct this issue promptly. 

Thank you for your time and have a Happy Holiday Season!
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 : # 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 card

From my citibank credit card account, I received an email telling me how many points my account had. Because I am not interested in this type of information, I clicked the email link provided to, " ... not receive future email updates from ThankYou Rewards, please CLICK HERE. " However, when the window to confirm my choice was displayed, if I chose not to receive emails about my TXXXX Rewards, I would also lose notifications about, " ... changes in my contact information. ''
Product: Debt collection

XX/XX/XXXX I submitted a " Total and Permanent XXXX '' form by my Doctor from XXXX County Medical Center, XXXX, MN to the U.S. Department of Education for a discharge of my student loan which took effect that year. Now 6 years later The U.S. Department of Education 's Loan Servicer " XXXX '' of XXXX, NE ( XXXX ) XXXX is trying to collect on this discharged loan.They are lying telling me over the phone that they have no information about my XXXX loan discharge and that XXXX took over as a New Contractor for Dept.of Education in XXXX. They Maliciously had their collection agency " XXXX XXXX XXXX XXXX XXXX '' take my XX/XX/XXXX EIC tax refund of {$63.00} and my XX/XX/XXXX Minnesota tax refund {$1500.00} this is theft. I filed a Complaint with the Minnesota Attorney General 's Office. Now these vindictive people has a 3rd party collection agency XXXX of Colorado harassing and threatening me for a debt I do not owe! These malicious and lying people at XXXX are requesting another Discharge Application from my Doctor and/or Social Security Admin. to again discharge this loan a second time, this is Fraud! Please tell this collection agency XXXX in XXXX XXXX, CO ( XXXX ) XXXX to stop calling and hanging-up on me, they are in violation of the Fair Debt Collection Practice Act. Please tell XXXX XXXX XXXX to Cease and Desist and for them and XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, MO ( XXXX ) XXXX ) to return my money they have stolen from me and Cease and Desist from taking my tax returns. 
They have also violated the 120 grace period from XX/XX/XXXX since filing my Discharge they were not supposed to take my tax refunds under this 120 day stipulation. These people are all unlawful.
Product: Mortgage

On XXXX of 2011, my mortgage loan was modified under the " Make Home affordable '' Government plan with XXXX and subsequently transferred to a servicer called SLS. 
Shortly after the transfer, SLS increased my mortgage payments from {$2000.00} to {$2200.00} without any notice. An increase of XXXX in which I believe is was an error for what I have been financially burdened. I am looking for restitution for those monies I have overpaid over the time of the loan. 
I am attaching a copy of my original modification documents in support of this claim.
Product: Money transfer, virtual currency, or money service

Was a victim of the Cashapp fraud. They deleted my account after I submitted a complaint about a transaction. It wasn't mine. I was humiliated by cashapp and lost my way of receiving my money from my employer. It was so embarrassing.