23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2018 Chase Account ending in XXXX XXXX fax This account should have a XXXX  balance, I owe nothing on it. All XXXX XXXX orders were either returned or were fraud. If there is a balance, which you show of {$290.00} and growing each month because you keep charging late fees and service fees with late fees I have emailed you over a dozen times and have copies of all those and your replies say you will reply within a few days and you do not! Everytime I email I save a copy of my correspondence and you are ignoring all of these. I have proved that all XXXX orders were returned and they refused to refund me. I have saved and sent you all of the tracking numbers via XXXX proving this. Why do you continue to ignore me? I am a XXXX person and can not talk on the phone most days but I am doing my best. What you are doing is not only rude, unprofessional but also discrimination against the XXXX. 

This balance needs to be XXXX. I owe nothing on this account. Please find any open charges and open a new dispute or fraud and clear it out. You can not continue to discriminate against me because I am XXXX and can only call in when I am not very sick. I am documenting all of my correspondence and your lack of a reply and action. If it is too late because of your mistake then you need to eat this balance and XXXX  it out, immediately. This is ruining my credit!! 

Please reply immediately. Please stop charging me late fees and other fees, when the balance should have been XXXX last year. 

I have written to you at least 12 times on this matter and I have yet to receive a reply. I am a person who is dealing with a XXXX  XXXX and have asked you communicate via email or snail mail, yet you havent, and you keep adding late fees and service charges. I am keeping track of every time I email or write or fax you. Please have a heart. You are ruining my credit. This needs to stop! Please forward to an executive in the Executive office. 


Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Mortgage

XXXX ( previous complaint ). The case reference has probably been closed. However - the same people and Wells Fargo - We finally executed deed in Lieu of foreclosure - XXXX 2015. We got a deficiency notice of around {$46000.00} ( the property under-appraised ) The original Loan was # XXXX ( {$320000.00} )! So they advised that our property was worth a lot less .... however, we recently discovered the property is up for sale for {$330000.00}. Is this legal.. we had to consider the deficient portion as income for taxes ... Please advise on what we can do - they have destroyed our credit at this point. 

Sincerely XXXX XXXX XXXX
Product: Checking or savings account

Hi, I dont have the exact dates as its been over a year since this started but here is what happened. Chase closed my account without warning. I was with them for over 10 years in good standing, never a late payment. i found out they were closing my accounts when my wife called me from the store saying her card wouldn't work. I spent hours on the phone with support trying to get to the bottom of it and the response i received was along the lines of " If you read the docs you signed when you signed up with chase it will state that we have the right to end our relationship at any point with and do not need to provide a reason ''. i was quite amazed at this considering the size of the company and my history with them. About a a little over a year later they decide to shut down my business accounts as well. Again with no explanation. The time frame for the business accounts closures are around XXXX XXXX. They really caused me alot of issues as it was not easy to reset up all the payments i had setup using my chase credit card and checking accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I answered my moms cel phone. This person identified himself as XXXX from Advise Solutions Service, stating that my credit was reported for late charges and that he can provide solutions. I told him that I was not interested in their services, and he began harassing me. I told him to please stop harassing and to remove my moms number from their call list. He said that he will be calling every day. I then told him that I will report them to the FTC. Then XXXX continued to harass me. I kept repeating that I was not interested in his services but he kept harassing me. So I cant imagine if he or anyone else from that company harass my mom like that and so disrespectful.

The company name is Advise Solutions Services located in XXXX XXXX, FL.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The List of accounts below 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 XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

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.

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 then seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account is well over ( 7 ) years old and it has been ( 7 ) years from the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting of a collection/charge-off is harming my credit score. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30 day late payment reported on my XXXX and XXXX report and a 60 day on my XXXX. I believe this report is in error. I have reached out to Disputes PO box provided by PNC bank on 3 occasions and did not receive response.

I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years.

Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue.

Contacted bank again that day, was told need to escalate case will hear back in 24 hour
s, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then transferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute.

Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and " we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late.
Product: Credit card or prepaid card

My complaint is with my credit card company XXXX XXXX thru XXXX XXXX that continued to pay monthly charges for products that was returned and cancelled with the fraudulent company by letter of cancellation on XX/XX/XXXX. I had tried numerous times to contact the company by phone but was unable to ever talk to anyone so the only resort I had was a written cancellation. I have talked several times with the credit card company and they would put the items in dispute but would deny the dispute because I did not cancel by phone. Each time interest and service charges and other charges were added to the account. I have talked numerous times to the credit card and each time to no avail as any help or resolution on this matter. I called them yesterday XX/XX/XXXX to try to come to a compromise and was informed that this account has been turned over to a collection agency. I have had excellent credit and do not want this score lowered because of this issue. 
I can Mail all copies pertaining to this issue if they are needed. Just let me know. My scanner is not working at present time.
Product: Debt collection

Recently I learned that I have been victim of identity theft. I have find that some one unknown to me has used my personal information to get themselves credit and because I was not receiving any statements from different credit card companies some items ended up in collection which I had to hire a company to take care of the matters for me. I assumed everything in my credit report was cleaned up until a month ago when I decided to get a new job and I knew that who ever I apply for employment they are going to pull my credit report. I did that my self and purchased a copy of my credit report and noticed that there was a collection account from BEST SERVICE COMPANY for an unpaid XXXX account. I immediately wrote dispute letter to credit bureaus then I wrote a dispute letter to BEST SERVICE COMPANY and explained my situation to everyone. XXXX f the bureaus they removed all the negative items but XXXX still indicating the account from BEST SERVICE COMPANY still is in my credit report. and I have not received any response back from BEST SERVICE COMPANY.
Product: Payday loan, title loan, or personal loan

Some one use my identity to file employment and was getting the funds in my name for a XXXX  with out my knowledge nor consent
Product: Credit reporting or other personal consumer reports

Recently I conducted an investigation of my credit report and found several items on there to be incorrect.

Under US code 1681e ( a ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 US code 1681i ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following accounts from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Fifth Third Bank regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. Things issue aligns with the recent CFPB findings against Fifth Third for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX provided a copy of my credit report to multiple companies without my authorization : -Cap One on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Student loan

Loan I thought was always in forbearance to avoid any late payment being posted to the credit company 's and was never notified about loans being out of forbearance
Product: Credit card or prepaid card

I processed a refund on XX/XX/22 and I never received the refund. I have reached out to the store and the credit card company. I have yet to have this issue resolved. I have provided the details of the receipt. I am being told that it was processed on the wrong card by the company and that it would take XXXX  days to investigate. I am not sure as to why it was placed on the wrong card and as to why it would take XXXX days for an error made by the store? I was not aware that the company processed my refund to a different account. Not sure what happened but I need to have my money added back yo my card or a check to be issued to me in XXXX hours
Product: Credit reporting or other personal consumer reports

I was shocked to discover an unauthorized inquiry on my credit report today, with no explanation for its presence. I always monitor my report, and I have never encountered this before. Thinking it might be a glitch, I refreshed my browser, but the issue persisted. This is incredibly upsetting, and I demand an urgent resolution. Please ensure that the documents I submitted are reviewed properly so I wont have to worry about this again.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute several entries on my Experian credit report that appear to be inaccurate, unverifiable, or the result of identity theft. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. Please investigate the following items, and if verification can not be provided, I request their removal. 
Disputed Items : XXXX. XXXX XXXX XXXX ( Account XXXX XXXX XXXX - This account shows inconsistencies across the three bureaus. Please verify this account fully or remove it. 
XXXX. XXXX XXXX  ( Account # XXXX ) - Account details reflect negative activity. Please verify accuracy or remove immediately if found unverifiable. 
XXXX XXXX XXXXXXXX ( Account # XXXX ) - This account contains negative details. Investigate and remove if inaccuracies are confirmed. 
XXXX. XXXX XXXX XXXX ( Account # XXXX ) - Inconsistencies found in reporting across bureaus. I request this account be verified or deleted if not accurate. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX ) - Status : Collection account. I request verification, and if not fully verifiable, I request its removal under FCRA Section 611.

6. Hard Inquiries - I have observed three hard inquiries on my Experian report. These inquiries were not authorized by me, and I request their removal if not fully verifiable.
Product: Debt collection

Original creditor : XXXX XXXXXXXX XXXX Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contact date XX/XX/XXXX End date XX/XX/XXXX Amount : XXXX I am a victim of identity Theft since XX/XX/XXXX This is not my debt.
Product: Debt collection

I did not consent to authorize nor benefit from the following account ( s ).

Block and Remove Pursuant to 15 USC 1692g I have not received a proper response.
Product: Credit reporting or other personal consumer reports

Sent certified letters to Experian on XX/XX/2023. They received them and sent me an email today saying they are not doing anything as they look like they didn't come from me. This has happened multiple times with Experian. They are just stalling so they do not investigate. These accounts in dispute are not in Metro 2 compliance and they are just ignoring their responsibility to correct.
Product: Credit card

discover changed my account information due to fraud, thus opening a new account and triggering a laps in automatic payments that I have always had set up. the company reported negative information to the credit bureau, and refuses to make the wrong situation right. the company has a hard time finding where they went wrong but still refuses to do a XXXX time adjustment. this has hurt my financial report and is detrimental in my requests to obtain new credit
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been breached with Equifax and my identity has been stolen. I have tried to file a dispute on Equifax website but was unsuccessful because it won't allow it and through mail with no responses. then I was getting spam email repeatedly with different confirmation numbers saying my dispute was completed when I wasn't able to file a dispute in the first place. Everytime I tried to check the results I would answer all the verification questions correctly but the screen would blank out after like someone was hacking and stealing my information on my credit. ( I attached all the fake emails I received from them ). I logged onto XXXX XXXX only to see inquiries that do not belong to me. I see them listed on XXXX as well. 

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and In accordance with the fair credit reporting act, the list of accounts below has violated my federal Protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX # XXXX. XXXX XXXX  # XXXX has violated my rights 15 U.S.C 1681 section 602 A. State 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 state no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which indicates the report by more than seven years
Product: Credit reporting or other personal consumer reports

Not too long ago i saw strange purchases on my credot cards that were not things i myself had purchased. So i had them all replaced and those specific purchases marked as fraud. Then on XX/XX/2023 I noticed a hard inquiry on my transunion account that I had nothing to with. It was from XXXX XXXX  who I have never used so it made no sense why i would have a new hard inquiry from them.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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.