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

I was the victim of identity theft and fraud last year. My 5/3 Bank checking and savings account numbers were most likely leaked in a data breach and XXXX XXXX XXXX in fraudulent charges and transfers were made to various merchants and foreign banks. I worked with 5/3 to report the fraud and close the compromised accounts, and all issues were quickly resolved except for the XXXX  charges. Someone opened a new XXXX account and charged {$720.00} in rides between XX/XX/year> and XX/XX/year>. The documents from XXXX indicate that my email address and phone number were used for the XXXX account, but I never received a single email or phone notification from XXXX to this email or phone number. The customer information section at the top lists the name of someone I don't recognize. 

The 5/3 fraud department investigated and tried to dispute the charges several times, but XXXX kept coming back saying that the account and charges are valid. I tried to appeal the dispute each time and provided as much information as possible to prove the charges werent mine, but all were denied and the bank said we needed more substantiation before appealing again. Since then Ive been trying to gather as much information as I can without much success or help from either company. 

The documents XXXX shared with the bank and me were all illegible ( the pages were all distorted making it impossible to read small text ), so it hasnt been helpful. I requested clearer documents several times with no response or the same blurry documents sent several times. I need these documents to report identity theft to the company XXXX, which is the intermediate company listed on the documents as paying the XXXX charges from my bank account. I need the transactions numbers to be able to report, and they are too blurry to read. I tried contacting XXXX directly for information, but they wouldnt share anything with me. I'm attaching an example of the documents to show what I was provided when I asked for substantiation as to how their dispute department came to its decision. 

Ive spent months trying to solve this issue, both 5/3 bank and XXXX have been unhelpful at every turn. I just found out about this agency and Im hoping for some additional guidance or help getting this cleared up.
Product: Credit reporting or other personal consumer reports

New complaint : THIS IS NOT A DUPLICATE Subject : Urgent Request to Correct Discrepancy in Credit Score To Whom It May Concern, I am writing to address a significant and concerning discrepancy in my credit score as reported by TransUnion. My TransUnion score is markedly lower than those reported by the other bureaus, despite identical information being provided to all agencies. This discrepancy appears to be a deliberate oversight, influenced by my race and gender. 

I have attached my scores for your review. The consistency in the information across all bureaus makes it clear that this lower score from TransUnion is unwarranted. I demand that you address this issue immediately by properly applying my CFPB and FTC complaints, ensuring that my rights as a consumer are protected. It is imperative that TransUnion stops relying solely on the inaccurate reporting by creditors and instead upholds its obligation to provide fair and accurate credit assessments. 

I expect my score to be corrected and raised without delay. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made a payment online kept getting system error and payment was not processing. When I called the XXXX XXXX XXXX XXXX, they wanted to charge me a fee for taking payment over the phone. So I refused the pay over phone. After an hour of attempting payment online, payment was successfully made. I had a zero balance, I recently looked at my account and noticed that because my payment was made after the bank time zone 12 minutes a late fee applied for that month and the following month. I did not get notification of late late fees. On top of that interest is being charged on late fees. When attempted to contact company they said they could not remove. I have never dealt with a company that is so unprofessional.
Product: Credit reporting or other personal consumer reports

This company doesnt allow me To finicial plan after I told them I facing hardship! They lied in their last complain that they woll help me to do a financial plan for my hardship. I told them I also had a car accident. They took the report, increased my account balance and interest again they said it will be freeze another liar! The worst credit card company I ever deal. My score is extremely going down to because of this. They are not coming to solution although they make false statements l. Here
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX the collection agency Portfolio Recov Assoc add a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and i am no longer responsible for this account. the creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate this debt and anybody can send a bill and say its mines. According to the FCRA XXXX Portfolio Recov Assoc ) has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to address multiple concerns with the credit bureau, including incorrect account listings, an unfamiliar collection, unauthorized inquiries, inaccurate credit reporting, and billing errors. I am seeking assistance in resolving these issues to safeguard my financial well-being.
Product: Payday loan, title loan, or personal loan

I took loan from the PNC Equipment Finance, located at XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for an equipment finance on XX/XX/XXXX. I paid off the loan on XX/XX/XXXX for the payoff amount. The payoff amount was provided by PNC on XX/XX/XXXX. However, PNC withdrew the monthly loan payment amount from my bank also on XX/XX/XXXX. When I contacted PNC to return the over payment, PNC equipment finance 's customer service ( XXXX ) emailed me that the over payment amount ( {$560.00} ) will be refunded to my bank account by XX/XX/XXXX. Today is XX/XX/XXXX and I still didn't receive the refund of {$560.00} in my bank account. I sent emails on XX/XX/XXXX and XX/XX/XXXX to their customer service requesting update and those emails were not answered by PNC. I am fearing that PNC bank will not refund my money. Please help.
Product: Credit card or prepaid card

On or about XXXX, XXXX I went on line to pay Capital One payment due for XX/XX/XXXX. The web site repeatedly displayed " HIT A SNAG ''. This happened the month before as well so, as i did before, i had to mail a payment. Today, XX/XX/XXXX i called and learned the payment mailed around XX/XX/XXXX was still not received so i paid another payment -this time by phone. The people i spoke to ( " XXXX '', a man, and XXXX  ( XXXX? ) a woman ) both would not remove the {$25.00} charge for a late payment even though they admitted the site often says " HIT A SNAG ''. I don't believe i should be charged extra because their system is often not operating. My Capital one account ends in XXXX if this helps identify it. 

My account with them is always a small balance with a lot of credit available so it is not a financial hardship i am having. Not at all. It is their poorly functioning on line payment system causing late fees to be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX, and I filed a bankruptcy dispute with Experain. I filed this disputed because I received a letter From XXXX XXXX saying they deleted a bankruptcy record. I spoke with a manager from Experain, and he assured me once I sent in proof of the letter from XXXX XXXX they would delete the record. Today I received notification from Experain saying that the bankruptcy will remain. A supervisor from Experain said that it would be deleted once they receive this letter, I sent this letter as they requested. Since Experain did not honor their word, I am filing this complaint. Experain should not assure things to customers and then go back on their word. I would like the bankruptcy deleted from my Experain credit report. I would also like an updated copy of my credit report when this has been deleted.
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated my account was properly investigated but my credit reports say otherwise. There are multiple inaccuracies on all XXXX of my credit reports the dates, payments and numbers on my credit report are inaccurate. It is stated under 15 U.S.C 1681 that everything on my report must have 100 % pure accuracy. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 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. My right to privacy has been violated under The Privacy Act of 1974.
Product: Mortgage

XX/XX/XXXX, after an offer acceptance for a second home mortgage for a purchase price of XXXX I discussed down payment options in depth with the mortgage lender I was working with at Huntington Bank. He explained the different points costs involved with the different down payment options. The 15 % down option had points fees of {$3600.00}. I asked for the initial disclosers to be adjusted to 15 % but was told and have proof in an email to 'go ahead and sign the disclosure as is at 20 % and he will update the paperwork to 15 % down '. Assuming this would be done, I did not look extensively into other lenders because I was satisfied with the rate and 15 % down payment option. On XX/XX/XXXX in the afternoon on a Friday, my lender called me to inform me that we had to change our down payment to 20 % because anything less would exceed the allowable threshold of closing costs of 3 % of the loan value. Now, I did not know there was an allowable maximum for closing costs but I would assume a lender would be very familiar with this. The points cost of XXXX would be 2.88 % already of the mortgage loan and it would be obvious to assume that a loan amount of this size at a points cost of this amount would not work. This should have been communicated in the beginning of the mortgage process. I asked for Huntington to negotiate their points cost so that we could meet the requirement to put 15 % down due to the miscalculation and miscommunication of the lender but this was denied. We were stuck making a decision about 10 days before we were contracted to close on putting an uncomfortable 20 % or risking losing our house by looking into other lending options.
Product: Credit reporting or other personal consumer reports

Beginning XX/XX/year>, XXXX XXXX started charging a monthly fee for {$3.00} on my XXXX XXXX. My balance remains at a {$0.00} and is due on the XXXX of each month. On the XXXX, the billing cycle ends, the {$3.00} fee is charged and my balance is reported to the credit bureaus all on the same day. As of XX/XX/year>, every month my credit report shows my credit utilization raises due to my balance increasing. This has affected my credit negatively. There is no way for a consumer to be able to pay their bill on the XXXX and have the payment post before it is reported to the credit bureaus on the XXXX. I tried to pay the XXXX XXXX  monthly fee in full for the year to avoid this year but the website does not allow payments that exceed the current balance. A supervisors suggested the same thing but then confirmed with someone else that it was not possible. The reps do not seem to understand how credit works or how to avoid this issue and refuse to change the date that credit reports are updated or change the billing cycle or due date. The protocol is contradictory to their billing statements that mention credit reporting. I have attached copies of billing statements showing how the bills are due on the XXXX and the {$3.00} is charged the next day and and another attachment showing the alert I received from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I previously applied for a loan and was denied curious as to why I was denied because I dont really have any negative items on my credit report the bank inform me to reach out to Trans Union . 

I reached out to Trans Union and requested a copy of my credit report which I received on XX/XX/XXXX and noticed that they had a Social Security number on there that was not belonging to me. I sent them the requested documents and was told that the back office would update incorrect. These inaccuracies and a new report would be sent out to me. Well I received the new report today and nothing has been updated or removed. 

As a member of the United States military with an active security clearance, the accuracy of my consumer credit report is of the utmost importance. I am concerned to find that my recent credit report from TransUnion contained inaccurate information regarding a Social Security number that I dont have, in fact I utilize an Individual Taxpayer Identification Number ( ITIN ) which I have proven and sent in with ID and proof of residence to TransUnion. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally obligated to maintain complete and accurate information in my credit file. When I notified them of this error, they acknowledged the incorrect Social Security number, but then failed to fully rectify the issue after I provided the necessary documentation to prove my ITIN status. 

The persistence of this erroneous information, and the associated account inquiries and derogatory items, poses a serious threat to my financial well being and could potentially jeopardize my military security clearance. This is simply unacceptable. 

As a consumer with well established rights under the FCRA, I will continue escalating this matter with TransUnion. I will demand that a supervisor promptly review my case, remove the inaccurate Social Security number information, delete any associated inquiries and accounts connected to that ssn, and provide me with an updated consumer report reflecting the corrections. As they should have as of XX/XX/XXXX. Additionally, I am filing this complaint to ensure TransUnion addresses this issue with the urgency it deserves. 

My military service and security clearance are of the utmost importance, and I should not have to endure the stress and burden of rectifying credit reporting errors that are entirely beyond my control. I am confident that by assertively exercising my rights under the FCRA, I will be able to swiftly resolve this matter and restore the integrity of my consumer credit profile. 

References : 15 USC 1681 section 602 a 15 USC 6801 15 USC 1681 section 604 a section 2 15 USC 6802 ( b ) ( c ) 15 USC 1681C ( a ) ( 5 ) 15 U.S. Code 1681s2 ( A ) ( 1 ) A 15 U.S. Code 1681e 1681c 1681b 12 CFR 1016.7
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed several times with Nissan as well as the credit bureaus. Nissan has it in their system that it is XXXX balance and settled in full. None of the 3 credit bureaus seem to reach out to nissan to investigate no matter how many times I dispute this.
Product: Mortgage

XXXX XXXX just kept making errors in calculating the P & I payments they deducted directly from my bank acct, they were doing right for the first 2 months, until I paid $ XXXX to the principal, and again another $ XXXX  to the principal, and since they kept making the XXXX   up errors!

I sent them emails to ask them to correct it, w/ my own calculation based on the mortgage calculator, still, the people there didn't listen, and I do want to pay them off, at the correct amount of loan I took from them, not the numbers they showed on the statement, and I put a stop to my local bank for the new loan to pay them off, not to pay XXXX  until they come up w/ the correct number I made for them to follow. Correct numbers!
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX  from XXXX XXXX XXXX in XXXX of XXXX and I was having problems with the vehicle so I gave the vehicle back to them in XXXX or XXXX of XXXX. They sent me a payment plan letter in XXXX of XXXX but when I called them to accept the payment plan they then retracted and told me that I had to pay the full {$10000.00} that was owed even though this vehicle was repossessed and sold in XXXX of XXXX.
Product: Credit card

XX/XX/2017 I called Wells Fargo Card Services to ask for a credit card increase. During this time I also applied with other banks and credit union. Those other company gave me credit and a personal credit. Wells Fargo declined my application. I have been customer of Wells Fargo for over 2 years only had one late payment have been paying my credit card on time. I ask for a XXXX increase because my credit score is way higher than two years ago. That how I know I can get the credit increase.
Product: Credit card or prepaid card

I have had the US Bank Cash + credit card for many years. Under the program terms, consumer must select categories for 5 % and 2 % rewards. Under their disclosure, Fast Food is a 5 % category. XXXX 's appears under the list of " merchants in this category ''. See attached document. For several years, I kept wondering why I was only getting 1 % for my purchases at XXXX 's. I conducted a test during the month of XXXX, 2017. I had two charges at XXXX 's ( {$12.00} and {$17.00} ) for a total of {$29.00}. When I reviewed my statement, I noticed that I received XXXX ( 1 % ) instead of {$1.00} ( 5 % ). This has been going for years. I have brought this to the attention of US Bank several times. I believe that they should either change their advertisement to reflect that XXXX 's is not a 5 % merchant or credit my account with the additional reward amounts. Several times the Bank has promised to research and resolve this with either option outlined above ( change advertisement or credit additional rewards ). The money involved is not large, but my guess is that there are a significant number of people affected by this. The print key submitted is from today ( XXXX XXXX, 2017 ) so US clearly is continuing this deceptive practice.
Product: Credit card or prepaid card

Comenity Bank has fraudulently charged my account for back interest associated with a promotional plan. I have been trying for almost 1 YEAR to get this resolved with several calls that took more than an hour each without any support or response. Each call resulted in verbal confirmation that the charges were incorrectly charged and would be sent to an " internal dispute department ''. I could not get any confirmation number or name within this internal department and told only that I would receive resolution by mail. Since then my card has continued to accrue interest that should not have been charged. 

This should be considered FRAUD over well over {$1000.00} that should be credited to my account. 

Note : Before I paid the promotional balance I called the credit card company to verify the value I needed to pay ( while I was ill with COVID ) and confirmed the amount to pay ( {$630.00} ) to avoid the deferred interest on the promotional balance. However the next statement indicated I did not pay an additional {$71.00} and therefore the deferred interest of over {$1000.00} was added to my balance.
Product: Debt collection

I have a a unverified account from Portfolio Recovery Associates , LLC. I had previously disputed this account. I have never done business with Portfolio Recovery Associates , LLC. Pursuant to the Fair DebtXXXX Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Portfolio Recovery Associates , LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin XXXX. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Portfolio Recovery Associates , LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit card

I signed up for a Best Buy credit card ( provided via Citi Bank ) about two years ago. I got this card because they advertised a low APR & monthly payments. According to what they showed me at the time of signup, my monthly payments were only supposed to be {$29.00} a month. Today ( XX/XX/23 ) I found out theyre trying to jack my monthly payments up to {$89.00} a month. I recently became unemployed, and can not afford that. I told them this is not the monthly payment plan I signed up for, and they tried telling me that the monthly payment can fluctuate. This is not what I signed up for, and I would not have gotten or used the card if I knew they were going to try and pull something like this.