23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To : XXXX XXXX XXXX XXXX of the From : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Date : XX/XX/XXXX RE : Escalated Dispute of Unauthorized {$8000.00} Charge Credit Card Dear Office of the President / Legal Department, I am writing to formally escalate and reiterate my dispute regarding an unauthorized {$8000.00} charge to my credit card dated XX/XX/XXXX, for a transaction labeled XXXX XXXX. 



This charge was executed without my consent. I initially allowed a one-time use of my card in early XX/XX/XXXX for a proposed investment opportunity. That transaction failed, and I did not give permission for any additional or future use of my card. The same party processed the charge without notification or consent on XX/XX/XXXX. 



I was not aware this transaction succeeded until I discovered related documentation on XX/XX/XXXX. Upon review, the promotional materials and contract were found to contain multiple misleading claims, omissions, and deceptive statements, making the entire transaction fraudulent in nature. 



I previously filed a dispute, but your team refused to reverse the charge. This response is unacceptable, especially considering : The charge was not authorized beyond the original failed attempt. 

The transaction is based on false and misleading information. 

I have experienced financial hardship and emotional distress due to the unauthorized charge and the abrupt cancellation of my account. 



This matter has been reported to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Illinois Attorney Generals Office I am now preparing to pursue legal action to recover : The full {$8000.00} charged, Any resulting financial damages, and Pain and suffering from this ordeal. 



Please consider this my final request for resolution before further legal action begins. I am requesting : XXXX. A full reversal of the {$8000.00} charge in payment by check made to XXXX XXXX XXXX. A correction to any negative account standing, and XXXX. A full investigation into the merchant and transaction in question. 



Attached : A full timeline of events, Copies of misleading investment material, and Proof of when the documentation was discovered. 



I expect a written response within 10 business days of receipt. 



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

Ive written multiple dispute letters to transunion ask for the removal of multiple hard inquiries that are not authorized or verified and I havent received any response or updates whatsoever
Product: Debt collection

they called my daughter and told her about debt. this debt past statue of limitations if it mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Commonwealth Financial Systems continues to list an account who 's delinquency with XXXX XXXX XXXX occurred on XXXX XXXX ( according to XXXX XXXX as XXXX that opened on XXXX XXXX the day that they acquired the account. The lack of clarification works to deceive potential creditors into perceiving this as a recent default as opposed to one that is over 6 years old. I have been unsuccessful in my attempt to address this matter earlier in the year, both with XXXX and XXXX. Any help that you could offer in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting disputes to have a bankruptcy removed from my credit report. Experian has stated to me that they were able to verify that it is accurate. however the US bankruptcy court states they do not verify with the credit reporting agency 's so I am filing a complaint against this reporting agency. the first dispute regarding this inaccurate information  went in XX/XX/XXXX. I have been working to get this taken care of since. However Experian continues to say that the information was verified as accurate. They have continued stating the same thing. I recently went into Experian dispute again XX/XX/XXXX and they stated the information is accurate. The address associated with the bankruptcy and I have no ties it doesn't appear on my credit report. unsure where the address is coming from.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX  XXXX  send me a letter saying that I'm in collection with them with a credit card that is not in my credit report anymore because it was payoff long time ago.
Product: Mortgage

We filed chapter XXXX bankruptcy XX/XX/XXXX and we decided to convert to a chapter XXXX XX/XX/XXXX and we included or mortgage in the chapter XXXX and our mortgage company XXXX sold the loan to another servicer Selene finance without filing for foreclosure when we went to bankruptcy court for the chapter XXXX. Selene finance did not foreclose until 1 year later and they were supposed to foreclose when we went to court a one year ago. We have XXXX loans on our credit report and we want the loans removed and the proper foreclosure date updated on or credit report. That foreclosure date should be XX/XX/XXXX. That is the discharge date for the bankruptcy chapter XXXX.
Product: Mortgage

My home was damaged during Hurricane IDA. I begin repairing my home before receiving any thing from the insurance company using my personal savings and a SBA loan. I have {$90000.00} from my insurance company sitting in escrow with Flagstar Bank. They are non communicative. They are non responsive and they are making a bad situation worst. My house is 75 % completed and they wont send an inspector. They have been more disrespectful than Hurricane IDa. There is never a supervisor to speak with. I was disconnected 3 times today and no one attempted to call me back
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I noticed a reported late payment on a account that has been properly maintained since establishing the account. Consumer reporting agencies are to report accurately reporting consumer information. A payment was never missed on account XXXX XXXX account number XXXX and account is set on auto pay for weekly debits above minimum payments due. I am requesting an investigation be conducted in regard to the above account. If creditor is unable to furnish proof, I am demanding that payment history be updated to reflect on time status.
Product: Credit card or prepaid card

XX/XX/XXXX I found a charge on my ASHLEY FURNITURE/ synchrony bank account in the amount of XXXX I contacted synchrony bank to tell them about it. This card had a balance of XXXX dollars as it had been recently paid off. I contacted them right away to resolve the issue. It took me calling them on 3 separate occasions before it was even reported as fraud. It is currently under investigation. However they are still charging me monthly payments on the account the balance is now up {$1500.00}. This is not the first issue I have had with them as a potential fraud took place in XXXX of XXXX and lead to them reducing my credit line from {$3000.00} to {$250.00}. The company has been jerking me around and messing with my credit since shortly after opening the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT AN UN-AUTHORIZED THIRD PARTY. I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. 
Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. 
I have tried serval times to apply for loans such XXXX loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.
Product: Credit reporting

I made a request for my Credit report, and the Co. said they did not send it to my home address. 
Enclosed is my Bank Statement please send a free copy of my Credit report to me.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

To whom it may concern, I purchased an investment property XX/XX/XXXX with M & T Bank being the lender. The intent to purchase the property was for rental income purposes. The other was to help a former business partner with housing as well as her credit profile by putting her on the mortgage loan and grant deed for 1 %. Putting M***** M**** on the loan would help improve her credit. M***** M**** increased credit score resulted in higher credit amounts to help pay for the catering business XXXX XXXX we owned together. I was the only person injecting cash into the catering business. 

Out of my pocket and no funds from the tenant, I provided the property down payment, paid for the unit remodels, repairs, maintenance, and property management. I have all documented proof. 

4 years later, the tenant XXXX XXXX with a leasehold and 1 % interest informed the contracted property management, that she will not be able to make her rent due to Covid -19 hardship. 

XXXX of XXXX, I placed the property into forbearance as I could not make the payments without the tenants participation in rent. I also suffered from income loss due to my inability to work as the pandemic hit every part of the real estate industry. The State of California would not allow the collection of rents if the tenant claimed Covid Hardships. 

From XX/XX/XXXX through XX/XX/XXXX, I tried XXXX times to get the property out of forbearance by executing a modification of the loan. The loan modification was not executed due to the tenant with a leasehold and 1 % interest refusing to sign the loan modification documents three different times. M & T bank will not proceed with a Covid 19 loan modification without XXXX XXXX signature. 

After XXXX XXXX claimed to suffer Covid 19 hardship, she refused to sign the loan modification documents. This is due to a lawsuit complaint she filed claiming entitlement to 50 % of the property??? The tenant brought a lawsuit 4 years later regarding ownership interest after signing the grant deed of 1 %, original loan docs, closing docs, a lease, and fully executed authorization letter allowing me to make fiduciary decisions and project manage the property??? 

M & T bank will not proceed with a Covid 19 loan modification without XXXX XXXX signature. 

After pleading my case to M & T Bank, HUD partners, My Attorneys, no one is able to help the situation? I am being punished with a foreclosure, current horrible credit, future income loss, and inability to sale the property, for helping house that tenant, with a leasehold interest and 1 % ownership interest, build a catering business. 

Under the advise of XXXX XXXX Attorneys, that are on a contingency payment agreement, XXXX XXXX is willing to risk a foreclosure on her credit profile to try and have me capitulate to her demand of an unwarranted, unsolicited, unfavorable, ownership interest of 50 % in the property. This is a form of bullying, harassment, and a display of no integrity or honesty.
Product: Checking or savings account

Wells Fargo bank without my consent signed my account up for add-on products with drawing the service fee from my account causing overdraft after long period being overdrafted Wells Fargo closed my checking and savings account I live on a XXXX  with little to no access to essential nessities for personal health and wellness Wells Fargo denied my credit application leaving me financially crippled to purchase goods a debit card or credit card is a life saver on the XXXX to obtain goods from outside the XXXX  boarders credit account and deposit account are critical to the XXXX XXXX XXXX Wells Fargo 's actions denying credit and closing accounts had a direct negative impact on my mental and physical health and wellbeing also my credit and financial growth. 
I XXXX XXXX a XXXX XXXX living on a XXXX Wells Fargo bank has a local branch located on the XXXX XXXX XXXX XXXXXXXX XXXX I'm giving Wells Fargo bank a chance to make things right if not I'll file a lawsuit in federal court in the district of South Dakota possibly a class action lawsuits.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about incorrect and misleading reporting on my credit report by Experian. 

Complaint # 1 On my credit report Experian is reporting that I am 120 days late in XXXX with XXXX XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX its been reported as ( NR ) which means not reporting. How can I be late for 120 days in XXXX but the four prior months nothing has been reported. Also, from XX/XX/XXXX to XX/XX/XXXX is all blank. 

Complaint # 2 XX/XX/XXXX and XX/XX/XXXX they have me current on with XXXX XXXX  XXXX. XX/XX/XXXX they have me as 30 days late, XXXX  60 days late and in XXXX  90 days late. How can I be late a total of 180 days from XX/XX/XXXX to to XX/XX/XXXX? Their 's no way that I can be late 30 days in XXXX if XX/XX/XXXX and XX/XX/XXXX I am current. 
XX/XX/XXXX to XX/XX/XXXX they have ( NR ) which means NOT REPORTING. 

Complaint # XXXX XX/XX/XXXX to XX/XX/XXXX they have nothing reported on credit report with XXXX XXXX  XXXX, its blank. In XXXX its reported 30 days late, XXXX  30 days late and in XXXX  60 days and in XXXX  90 days late. How can that be right? How can I be late 210 days 8 months? When XX/XX/XXXX to XX/XX/XXXX have no reporting. 

Complaint # XXXX XX/XX/XXXX Experian reported ( NR ) which means not reporting. XX/XX/XXXX Experian reported current with XXXX. From XX/XX/XXXX to XX/XX/XXXX everything is blank. 
XX/XX/XXXX to XX/XX/XXXX Experian I was current. In XXXX Experian have me 60 days late. How can I be 60 days late XXXX when I current from XX/XX/XXXX to XX/XX/XXXX. 
From XX/XX/XXXX to XX/XX/XXXX Experian put ( NR ) which means no reporting. 
XX/XX/XXXX I was current. XXXX to XXXX Experian have ( NR ) which means not reporting. All these reporting makes no sense. I have tried many times over several weeks, asking Experian to delete all incorrect and misleading reporting on my credit and they literally ignored my request. Like I said it previous complaint, this is taking a toll on my and my family. I can't apply for certain jobs. I am having a hard time finding apartment in certain neighborhood.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this letter is to inform you that this bureau is being unreasonable. I am a victim of identity theft, my information was compromised and fraudulent inquiries were included in my report without my consent or authorization. 
As a result, I contacted this company with a detail explanation that I am a victim of identity theft on XX/XX/XXXX. I pointed out in detail to them, of all the inquiries that I did not authorize and were fraudulent. BUT to my surprise this company still keeps on reporting these fraudulent inquiries and inaccurate information : 1. XXXX XXXX Never been my employer 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5.  XXXX XXXX 6. XXXX XXXX 7.  XXXX Inquiry Date XX/XX/XXXX 8. XXXX Inquiry Date XX/XX/XXXX 9. XXXX Inquiry Date  XX/XX/XXXX 10. XXXX XXXX Inquiry Date XX/XX/XXXX I also attached with it the following documents as proof of my claim : 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act This may also serve as a written notice of my intent to sue this company if they continue to insist on reporting this inaccurate information on my report.
Product: Credit card or prepaid card

On XX/XX/2019 I filed a dispute with XXXX for merchandise that I did not receive. The visa card is issued through Goldman Sachs and is called XXXX XXXX. The company stated it would issue a provisional credit while it investigated the claim. A month later, no credit has been applied to my account and the dispute has not been resolved. I contacted the company on XX/XX/2019 and was told that a technical error occurred that had delayed the processing. The company then further stated that it had resolved the dispute and issued the credit. This is false, The funds and transaction are both missing from my account, and I am unable to use my card for any purchases.
Product: Debt collection

This delinquency is reporting to my credit report. This is not my debt. I have no knowledge of this account.
Product: Debt collection

A 1099c debt discharge was issued for this debt and is no longer owed. Please see attachment, the IRS can verify that this was issued and agreed upon with the creditor.
Product: Credit card or prepaid card

I recently went through a divorce and ran up the balance due to all the cost of divorce. I ended up selling my vehicle to pay this credit card.The balance was up to {$20000.00}. I paid this statement balance in full on XX/XX/2018. My due date isn't until XX/XX/18 or the XXXX of every month. I did not charge anything else on the card so it would be a XXXX balance statement. When I got the statement it had only one charge which was an interest charge of {$180.00}. I looked over the terms and conditions which state if you pay your balance in full by the due date you will not be charged interest. I contacted chase through their secure messaging center on XX/XX/2018 and requested them to waive the fee as this was a unfair deceptive or abusive act and to please waive the interest charge. They said no its a legit charge. I reached out Chase on XXXX on XX/XX/2018 and asked the same and they just don't care. Nowhere in their statement does it say anything about residual interest or that you have to pay multiple statements off in a row. This is deceptive and I've never had this issue with any credit card. If you pay the statement balance in full by the due date then you dont get charged interest. I'm wondering how many people have had this happen to them and they just keep doing this and taking advantage of people because they are so big? Terrible customer service terrible bait and switch. Just lying to the customers.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Credit card

I opened an XXXX Mileage credit card issued by BankofAmerica on XX/XX/XXXX. The welcome bonus is XXXX miles + {$100.00} credit after {$1000.00} spending in the first 3 months. I checked with the customer service on XX/XX/XXXX and the CSR told me that I met the spending requirement and the bonus should be posted in 1-2 billing cycles. The CSR also help deal with some wrong fee charges. I also checked that the total charge on my account since XX/XX/XXXX is over {$1000.00} and I think I am good to go. However, I checked with customer service earlier today to see the status of my bonus and was told that I did n't meet the spending requirement and the info provided to me last time is wrong. The difference is from the annual fee charge and it does not count towards the spending requirement. While I agree with that, I find it not acceptable for the CSR to provide me misleading information in the first call and the wrong information caused my failure to meet the spending requirement in time ( I have another few days to meet the spending requirement if I was told the correct information during the first call ).
Product: Debt collection

My mom got a call from XXXX XXXX XXXX advising her that they will send a complaint to the court for felony fraud for a pay day loan I took out in XXXX with check n go. My mom called me worried gave me a XXXX and a number to call .I called XXXX he said he is with XXXX  and said he will have the lawyer 's from his company send off a complaint with the state of nevada for fraud for a checking account I closed in XXXX, in which stopped check n go from collecting payments. I got scared because I have a high risk XXXX. I paid XXXX {$400.00} towards a {$810.00} loan for check n go. I called check n go to confirm they sold the debt to XXXX XXXX XXXX Check n go advised me no and gave me the name of the collections agency that they sold the debt too which is XXXX XXXX. Check n go advised me to reach out to XXXX XXXX to settle the debt. I called XXXX XXXX spoke to XXXX, she advised me they bought the debt the date and year and they still have the debt. I told them about XXXXXXXX XXXX XXXX they advised me that they don't know who this company is. I want my refund back for {$400.00} and I don't want this company contacting me or my Mom again and I don't want them attempting to withdraw any more money from my debit card. I'm working with XXXX XXXX to take care of this debt.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

1. XXXX XXXX Account Number : XXXX Bal : {$4500.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$80.00} 4. XXXX XXXX BANK XXXX XXXX. 
Account Number : XXXX XXXX : {$690.00} 5. XXXX XXXX XXXX Account Number : XXXX Bal : {$490.00} 6. XXXX XXXX Account Number : XXXX Bal : {$1000.00} 7. XXXX XXXX Account Number : XXXX Bal : {$480.00} 8. XXXX XXXX Account Number : XXXX Bal : {$1100.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.