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

On XX/XX/2017 XXXX XXXX XXXX XXXX at machine try to withdraw {$500.00}. the transaction was cancel due to NO money came out I want inside to register and ask how much can I with draw she stated {$50.00} I was no please so I purchase something for XXXX and as you can see it was $ XXXX.see attached document. The next morning went to bank to get XXXX for my rent was told insufficient funds at the time I got on the phone with fraud department they credit the {$500.00} to my account. On XX/XX/XXXX they took the money back because the vendor atm machine balance I took they they need to pull the camera/video due to the money never came out!! They tells me the cant because it not there machine I will need to get police report. I just don't understand why I have to do this because I have fraud protection on my account. I just want Bank to do there job get the camera footage and credit my account of {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Capital One previously and again on XX/XX/2020. I was instructed by XXXX  to ask Capital One to submit a request to XXXX  to have 2 separate credit card accounts for which I am an authorized user, added back to my credit report. The supervisor at Capital One stated that he did not work for XXXX  and that they don't send requests. He also stated that XXXX needed to add the accounts back to my credit report themselves.
Product: Credit reporting or other personal consumer reports

I recently noticed that XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX had used my Copyrighted material without authorization. I notified each respective bureau XXXX, XXXX and Transunion that the attached items where a violation of my copyrighted material and I sent each alleged creditor a cease and desist again to see if they will take care of this matter without involving legal action. I have called the bureau many times and wrote many letters to no remedy. My next course of action is litigation at this point. I have attached a copy of the letter and the Copyright with proof of mailing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom make concern : XXXX XXXX XXXX XXXX XXXX XXXX that it had been my only checking and savings for 19 years and it was originally entitled XXXX XXXX XXXX XXXX charaged me inapproply for a {$45.00} after I closed my account and failed to inform me that I owe anything. The president XXXX XXXX immediately sent the matter conserving a {$45.00} to a collection ageny and significantly affected my credit score in a negative way. <P/>I received no correspondence from the bank or any collection agency. I learned about it when I opened a checking account with XXXX XXXX in XXXX Massachusetts. XXXX XXXX  officials notified me that the collection had been placed into collection XX/XX/XXXX and I did not learn about it until I open another account in XX/XX/XXXX. <P/>During the 19 years as a credit member at XXXX XXXX XXXX I purchased four vehicles ( two motorcycles and two foor door vehicles and paid off all of my loans impeccably.
<P/>XXXX XXXX 's decision with spiteful, unprofessional, intentional and damaging to my credit. That is unacceptable coming from a credit union, so I making this complaint to the federal trade commission as well as the commission of credit card companies against XXXX XXXX only took over as the president of the credit union three years ago. ( XX/XX/XXXX ) He is a cold, unprofessional who treats cumstomers poorly. I have also sent a copy of my complaint every member of the XXXX XX/XX/XXXX 's board of directors and received no response. <P/>My objection it is they treat a very small credit union that is set up for municipal employees and teachers like it 's a gigantic corporation and we are just a number. That was never true before XXXX XXXX was assigned to the presidency by the board of directors. <P/>I would like the matter to be rectified, investigated in my credit restored by the credit union contacting the Frederal Trade Commission directly and the three major comsumer credit agencies to remove that false statement. <P/>XXXX XXXX 's unethical behavior and unfair treatment to a member of 19 years illustrates the fact that he does not belong leading a credit union, rather he is more suited to be a debt collector or an insignificant staff member in a large financial institution, because he lacks the communication skills or professionalism to represent a credit union that serves the needs of firefighters, teachers, and the police department and XXXX and other XXXX XX/XX/XXXX. <P/>Thank you for teaching out to me in order to help me in this situation which is unfair and unethical on the part of XXXX XXXX and XXXX XXXX XXXX XXXX newly named to the XXXX XXXX XXXX XXXX, I would never have believed that a credit union would deliberately impact a 19 year member 's credit negatively. <P/>Sincerely, XXXX XXXX XXXX Former Account Number XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I lost my wallet in XXXX which led someone to have access to alot of my documents including my social security card. I am in the start-up process of wanting to buy a home but upon doing a credit check, I see accounts on my credit report that have no affiliation to me. I made a police report. The police report DC # is XXXX. Please note that I am currently waiting on a physical copy. 
These accounts were all disputed. These accounts consist of : COLLECTIONS : LVNV Funding ( original creditor XXXX XXXX XXXX ) {$470.00} ; started reporting on credit XX/XX/XXXX. 
XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) {$8600.00} started reporting on credit XX/XX/XXXX. 

ACCOUNTS : XXXX XXXXXXXX XXXX " paid/closed '' ; reporting on credit XX/XX/XXXX. 
XXXX {$2400.00} & {$3300.00} XX/XX/XXXX. 
XXXX {$4500.00} XX/XX/XXXX. 
XXXX  XXXX {$1300.00} XX/XX/XXXX. 
XXXX XXXX {$1700.00} XX/XX/XXXX. 
I have disputed these accounts with the bureaus and no action has been taken. Again, I am a victim of identity theft. Very important documents were in the hands of people other than myself and have been used to open accounts in my name. Which is why I filed the police report. photo of police report number is attached
Product: Credit reporting or other personal consumer reports

Discover Bank, XXXX XXXX, XXXX XXXX, OH XXXX had sent me a 1099-C Cancellation of Debt in XXXX and information is still on my credit report showing as owed. Since this cancels out the debt, I have been trying to have this deleted from my credit report. 


Same problem/issue for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account has been updated on my XXXX XXXX report by the XXXX as never late. They took the XXXX day late payment off when i proved it was a banking error. But XXXX is refusing to report the correct payment history. Did a rushed quick investigation and reported the same XXXX day late. This has been taken off my payment history as per XXXX 
This account needs to be updated to reflect NEVER/LATE. as it is on my XXXX XXXX credit report. Below dispute results by XXXX DID NOT FIX THE PROBLEM. 

The dispute for the account with XXXX XXXX that starts with XXXX has been updated. 

Source : XXXX Date Submitted : XX/XX/2024 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then, the date of the last activity has been inconsistently updated. On Equifax the date last active is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed to be INACCURATE. Please delete this account from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Given the increase in property values of my area I decided to initiate the PMI removal process with Loancare , LLC back in XX/XX/2018. Knowing the appraisal on file would not suffice I requested a new one and was told it would cost {$420.00}, unless my property was remote or an appraiser was not in my area. I asked to schedule the appraisal immediately as I knew I would be denied based off previous information. I had to wait until XX/XX/XXXX to get a " denial '' letter from the company before I could even pay for my appraisal, which I did on XXXX XXXX. I was told someone would contact me immediately, after numerous phone calls to the company I was given a deadline of XX/XX/XXXX. No call. The next deadline given to me was that Id be contacted by XX/XX/XXXX. On top of that, they more than doubled the appraisal cost to {$910.00}, saying that was the fee for Colorado. Why wasn't that ever disclosed to me? I have called the company over 20 times and spoke with several supervisors with no resolution.
Product: Credit card

I am struggling to pay off my credit card due to the excessive late fees being charged by US Bank. In the past XXXX months I have been charged {$260.00} in late fees. In the past XXXX  years I've been charged a total {$530.00}. Most charges are {$40.00} even if I'm XXXX day late. They also change the amount due each month and I'm charged a late fee if I don't pay the full amount. Not to mention the extra interest I'm paying on late fees as well. 
I was laid off from my job at the end of 2023. I am now working part time and going to school. US Bank is taking advantage of it's customers. It says on my statements " If we do not receive your minimum payment by the date listed above, you MAY have to pay up to a {$40.00} Late Fee. '' Not will, MAY be charge. If it wasn't for the late fees my balance would be {$160.00}. 

I've contacted Customer Service. They waived the late fee once and refuse to do so again. US Bank is taking advantage of people during times of hardship. These shameful practices need to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall taking out this loan and agreeing to these terms as listed on my credit report. I have disputed this multiple times and not only do the credit reporting agencies not appear to fully investigate, XXXX XXXX EVERY MONTH refreshes my date as if it's a new collection, thus negatively impacting my credit score. I have asked for properly validation of this debt and have not received any copies of signed contracts or agreements. I have only received screen print outs that do not provide validation that the debt belongs to me. I have attempted to resolve amicably so my mortgage would not have been denied and they refused. Every month, even when I have not actively disputed the account, XXXX XXXX FALSLY places an in dispute comment on my report which again caused my great difficulty and affeted me negatively in trying to obtain a mortgage. The last attempt at validation on or about XX/XX/19 that I tried and specifically asked for signed contracts or agreements, I was told they had it and would send, however I again received screen print outs which do not properly validate my debt.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed {$2000.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed : {$3800.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX $ XXXX Charge off XXXX XXXX************** Date Opened : XX/XX/XXXX Balance Owed : {$330.00} - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information being reported on my credit has not been actually verified as accurate
Product: Checking or savings account

On XX/XX/XXXX I opened a claim about fraud and multiple times after throughout the week I tried to talk to them to help the case. To maybe make it easier. Unfortunately Wells Fargo did not side with me so I had to call them again to redispute the transaction and they said okay only way is through a supervisor. I said thats fine please have one call me they said sounds good in 1-2 business days someone will call on XX/XX/XXXX this call happened but no one called me. So I called them back after to talk XX/XX/XXXX they said once again that someone will call in 1-2 business days. And now it is the XXXX and no body has called me I am not someone who is rich and I didnt wan na take it to the CFPB but I will not continue to play cat and mouse over a case they dont wan na help me handle. Wells Fargo offers terrible service. The total amount was about {$2500.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Medical Debt Synerprise Consulting Services Dear SYNERPRISE consulting services I am writing to formally dispute an item on my credit report that I believe is inaccurate and potentially unlawful. The item in question is a medical debt being reported by Synerprise Consulting Services. I request that this debt be investigated and that any unverified or improperly reported information be removed from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ) and any applicable medical debt collection laws. 

The details of the disputed account are as follows : Creditor/Collection Agency : Synerprise Consulting Services Reason for Dispute : I do not recognize or acknowledge this debt as valid. Given recent legal protections surrounding medical debt, I question whether this account was legally obtained and if Synerprise Consulting Services has the right to collect on it.

I am requesting the following : 1. Proof of Legality & Ownership : Please provide documentation that proves Synerprise Consulting Services has the legal authority to collect this debt, including evidence that it was lawfully transferred and that I am the rightful debtor. 
2. Validation of the Debt : Provide a complete breakdown of the charges, including dates of service and proof that this balance is accurate.

3. Immediate Removal if Unverifiable : If this debt can not be properly validated, I request that it be removed from my credit report immediately.
Product: Bank account or service

I opened a savings account with Regions bank and my banker did not disclose that I had to keep a minimum amount of {$300.00} in the account or I would be charged a monthly fee. Now I ca n't even close my account because there is also an early closing fee just to get rid of the account. It 's not disclosed anywhere in my opening packet and I had to search on the bank 's website for a fee schedule PDF where it 's mentioned -- it 's not shown anywhere on their site. 

Regions Bankhttps : //regions.com
Product: Vehicle loan or lease

I contacted Hyundai Motor Finance on XX/XX/XXXX requesting an out of state title transfer for my lease as I recently moved to Florida. They said the DMV would receive it in ten business days. After eleven business days I contacted the DMV and they have yet to receive it. I contacted XXXX again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. They keep giving us the run around about how titles is an internal part of their company and we are unable to contact them. They said they receive our emails and will send us a tracking number then they say they never got any of our emails from the above dates. I am paying for a car that I can not legally drive. This is absurd - I wish I knew this before leasing a car through Hyundai.
Product: Credit reporting, credit repair services, or other personal consumer reports

still showing inquires all company due to ID theft not mine XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX. XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Automotive Chase Auto Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX +
Product: Credit reporting or other personal consumer reports

this attachment needs to be included with my last complaint these accounts need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several items on my trans union report back in XX/XX/XXXX, One dispute was pertaining to XXXX XXXX XXXX # XXXX who reported regarding a debt with XXXX XXXX ( Utility Company here in XXXX ). I initially disputed this debt with national grid due to that fact that they reinstated a charges for service from XXXX, and added to a current bill XXXX. XXXX is legitimate. 

The second is XXXX XXXX XXXX # XXXX as it relates to XXXX XXXX, have a balance XXXX. This is not my debt. 

the Third one is XXXX XXXX XXXX as it relates to XXXX XXXX in the amount of XXXX. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX ) was involved in a XXXX case along with my boyfriend XXXX XXXX XXXX XXXX and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. XXXX notified XXXX about the bills and she said not to worry about them, she wanted XXXX to take pictures of the bills and send them to her so that she can handle it. She stated that we should not be paying any bills to any doctors that she referred us to. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. My boyfriend had contacted XXXX about the collections but, she has been little to no help whatsoever, she does not respond to his messages. We both filed and submitted a dispute late XXXX with XXXX and Equifax with mixed results. My boyfriend XXXX XXXX XXXX XXXX had his collections removed from his credit score account by XXXX but Equifax has not so he submitted his own complaint. As for me, XXXX has removed the collections from my credit account on XX/XX/XXXX. For unknown reasons, XXXX added the collections back to my account on XX/XX/XXXX. I tried calling them to find out why, no pick up. For Equifax, I filed the exact same dispute and I was not satisfied with my results. I do not understand why XXXX removed the collections and put it back into my account 5 days later. This is not a game, it is a serious problem and I do not appreciate how this is being handled by the credit bureaus. I also do not understand why my boyfriends collections has been removed by XXXX and mine has not when we both filed the same exact dispute, no changes or differences between our disputes. I have supporting evidence to back up my complaint, screenshots my boyfriend XXXX XXXX XXXX XXXX took of his conversations with XXXX. Side note ; XXXX contacted XXXX XXXX XXXX himself, he said that he will be of assistance and send a letter soon stating that we were not at fault and that we shouldn't have gotten sent to collections by XXXX XXXX.
Product: Debt collection

This Credit card company calls my phone number 3-5 times a day every day. That is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove any late payments change statue to current due to the cares act
Product: Credit reporting or other personal consumer reports

I am writing this letter to request the removal of all hard and soft inquiries from my credit report with XXXX, Eqifax and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 1681g.

I have recently reviewed my credit report and noticed that there are several inquiries listed that I do not recognize. These inquiries were not authorized by me and have negatively impacted my credit score. As per the FCRA, I have the right to request the removal of these inquiries from my credit report. 

I would like to remind you that under the FCRA, hard inquiries can only be made with my written consent or for a permissible purpose, such as a credit application. Soft inquiries, on the other hand, are made without my consent and do not affect my credit score. However, they still appear on my credit report and can be viewed by potential lenders, which can be misleading. 

Therefore, I am requesting that all unauthorized hard and soft inquiries be removed from my credit report immediately. 
I also request that you provide me with a written confirmation once the inquiries have been removed from my credit report. If you are unable to verify the inquiries, I request that they be removed within 30 days as per the FCRA. 

I appreciate your prompt attention to this matter and look forward to a positive resolution. Please do not hesitate to contact me if you require any further information or documentation. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX