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

I have a XXXX XXXX XXXX through CitiBank. 
I had a balance due on XX/XX/2021 of {$16.00}. 
On XX/XX/2021 I returned items in the sum of {$9.00}, leaving me a balance due of {$6.00}. 
On XX/XX/2021 I made an online payment of {$6.00}. 
This made my balance due on XX/XX/2021 ... .XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/2021, I had made an additional purchase of {$21.00} & {$400.00}. 
Yesterday, XX/XX/2021, I receive a bill for these items in the sum of {$420.00} plus a late charge of {$16.00} ( coincidence, that it is the same as the balance due on XX/XX/2021 ) -- Total now due would be {$430.00} on XX/XX/2021. 
The initial customer service rep XXXX XXXX XXXX, said that I was charged that amount because I had a balance of {$9.00} that I did not pay the preceding month. I told her that there was no reason to pay that amount because I had returned the items on XX/XX/XXXX. She disagreed with me for about 35 minutes. ( She reached out to a superior, but kept coming back with the same line of reasoning. ) I insisted that I talk to a superior.

I then, after being on hold for 7 minutes spoke to XXXX who after some kind, firm discussion on my part remove the {$16.00} late charge. 
I also found it disconcerting that XXXX  then pressed me to make a payment for the balance due. When I stated that I did not have my checkbook with me, but I would pay at my first convenience, she then pushed for me to provide a debit card ... I refused. But I did promise to pay prior to the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

My phone was hacked and all of my credit card information and bank accounts were being used from a unknown burner of some sorts and the bank has helped me to find out what was going on because every month since the initial hack XX/XX/2019  I am having my XXXX pay withdrawals I have changed cards and had all cards in my possession as they are still charging me and I have called every single credit account I have and reported that I have not received the new cards that they have sent out after telling me to destroy my old cards and I can not understand how I am still charging HUGE AMOUNTS OF ITEMS AND I DONT HAVE ANY REPLACEMENT CARDS. I am only having a problem with 2/3 accounts but my bank and some of my longest accounts have deemed it fraud bank included! Sorry I am not mobile because Im a XXXX veteran so Im sorry I am not mobile to even get to all the places I am being charged for! So Im going to need you to re examine your determinations because these are not even my spending habits and my credit is really suffering from this issue and I just purchased a home last XXXX so I am POSITIVE THAT MY CREDIT ACCOUNT IS NOT RIGHT DUE TO FRAUD AND I AM NOT GON NA LET THIS INCONVENIENCE DESTROY THE CREDIT I HAVE WORKED HARD TO REBUILD! I will be awaiting further feedback from you on this matter because my bank has had to refund my check since XX/XX/2019 and I NEED HELP GETTING MY CREDIT BACK ASAP
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting corrections to the addresses associated with the following accounts : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The address listed for this account on my credit report is incorrect. I request that you correct this information to reflect the accurate address of the creditor. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The address provided for this account is also incorrect. Please update the credit report with the correct address for this creditor. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Account Manager : XXXX XXXX XXXX The address listed for this account is incorrect. Please ensure that the credit report reflects the accurate address of both the original creditor and the current account manager. 
The inaccurate information on my credit report is significantly impacting my ability to obtain credit and pursue important financial goals, such as purchasing a home. Under the FCRA, you are required to investigate and correct any inaccuracies on my credit report. I have attached relevant documents that support my request and indicate the correct addresses where applicable. 

Please correct these inaccuracies as soon as possible and provide me with an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. Please contact me if you need any additional information or documentation.
Product: Debt collection

CEASE AND DESIST COLLECTIONS AND STOP CALLING MY MOTHER AND FATHER XXXX I WILL HANDLE THIS MATTER IN COURT.
Product: Credit reporting or other personal consumer reports

oIn 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 u.s.c 1681. 

Account Name.. 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 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 ... 15 u.s.c. 1681 section 602 A. states I have the right to privacy.

15 u.s.c 1681 Section 604 A. section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.. 15 u.s.c 1681C. ( A ) ( 5 ) section states : No consumer reporting agency may make any following items of information any other adverse item of information, other than records of convictions of crimes which antedates the reprt by more than seven years. 15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit card or prepaid card

After paying on a no-interest 24 month purchase, for two years, Comenity Bank suddenly and without warning charged me {$650.00} in interest on the purchase. The final payment was about {$100.00}. 

I had my account on auto-pay, but the final payment on that purchase was not included in the autopay payment. Thus, I missed it and they charged me the interest. 

I was not sent an email or text messaged about this imminent interest charge, despite being on their call/text list for account information. I regularly receive marketing and account information in those ways from Comenity for this account, so it is perplexing why they would not contact me. 

Two deaths in my family prevented me from dealing with this account until now. I called Comenity on XX/XX/17 at XXXX and they said they could not eliminate the charge or issue me a credit. 

I am filling a complaint that they violated consumer protection laws by not informing me of the impending {$650.00} interest charge, by not increasing my auto pay amount at that I could pay the balance and avoid the charge, and by not offering to me to increase my auto pay so I could avoid the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX  Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX GA XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX ( XXXX ) XXXX On behalf of XXXX XXXX for 30 In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain item on my credit report as they were the result of fraudulent activity that occurred while I was a victim of human trafficking. Under the Trafficking Victims Protection Act. ( TVPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these inaccurate and fraudulent account from my credit report.I am requesting this account to be blocked and removed within XXXX business days : XXXX XXXX XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

After sending letters to this company they had pass the 30 days to respond, a copy of the original letter is attached, this account must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies Involved : XXXX XXXX XXXX XXXX , XXXX. - Mt, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, TX XXXX On XX/XX/XXXX, someone used my identity, fraudulently, to purchase XXXX new phones in my name, under my existing wireless account. Since new phones were purchased, XXXX XXXX XXXX XXXX , XXXX. performed a hard inquiry into my credit, per policy when purchasing devices on a post-paid wireless account. 

After receiving electronic notice that my credit was checked, I immediately contacted XXXX XXXX XXXX 's Global Fraud department to report what happened. However, the Fraud group showed no record in the last 3-4 years of ever running my credit and that the check was not appearing under my name because the credit check did not include a credit reference number by which XXXX XXXX XXXX could find the record. 

Thus, XXXX XXXX XXXX can not remove the hard inquiry because they have no record of it. However, Equifax does show the credit inquiry and according to their " investigation '', the inquiry was " a factual record ''. XXXX XXXX XXXX has suggested I write to the office of the president ( of XXXX XXXX XXXX ) to get the matter resolved.
Product: Checking or savings account

Emails to " Executive Office of Discover Financial Services XXXX '' being FULLY IGNORED. Documents for verification have been attached, as well as original complaint. 

DISCOVER BANK HAS NO INTEREST IN RESOLVING THIS, THEY ARE FRAUDULANTLY HOLDING MY MONEY - EVEN WHEN I HAVE ATTACHED : 1. California Drivers License 2. Copy of 2 first pages of my Tax Return ( Slightly redacted ) 3. Copy of XXXX XXXX XXXX, showing amount of my refund - same as check You responded to my complaint ( s ) on CFPB, however have ignored all of my emails since your first on XX/XX/XXXX. 

" On XX/XX/2020, you were advised that any valid funds would be released to you after 60 days ; however, based upon further review of the account, we have been unable to release the funds. In order for us to lift the suspension of your account, further verification is needed. '' I sent in my CDL when the account was opened. This is my IRS REFUND Check you are messing with. There is NO further verification needed, since : 1. I submitted my CDL upon account opening 2. I am not sending in any furtherdocumentation, short of maybe a page from my Tax Return - and that will show ONLY my name, address and refund amount - You will get NOTHING further. 

BLATANTLY IGNORING ME - SENDING AND HAVE RECEIVED 2 POSTAL LETTERS, CONDESENDING AND INSULTING - TELLING ME WHAT YOUR DOING WITH MY MONEY - CFPB IS NOT DOING ANYTHING TO HELP ... 
HOWEVER, I HAVE FILED WITH SUPERIOR COURT, AND SHOULD BE SEEING THIS ON CALENDAR WITHIN A FEW MONTHS. WHILE, I KNOW I DON'T HAVE AN ARMY OF LAWYERS - SOCIAL MEDIA WILL TAKE CARE OF THAT, AND SINCE YOU DID WRONG NOT ME - I AM LOOKING FORWARD TO FINALLY COLLECTING MY TAX RETURN, AND OVER 65 % ADDITIONAL FOR SUFFERING AND PUNITIVE DAMAGES. 

I WANT MY MONEY - NOT IN A CHECK - I WANT TO KNOW WHY YOU ARE IGNORING ME -
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 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 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
Product: Money transfer, virtual currency, or money service

In XXXX, I sent XXXX to my contractor from my business account XXXX XXXX XXXX at XXXX XXXX XXXX to my contractor 's business account - XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. Owner of account is XXXX XXXX. Because she wasn't able to receive the funds, I did a wire recall with Chase wire department. After months of waiting, I decided to do a CFBP report and Chase was able to get the funds back, upon receipt, they said XXXX requested the funds back, I called my contractor and she said she never did a recall to get it back. Chase has sent my funds to XXXX and XXXX is stating it was sent the wrong way so they are holding on to my funds- which is theft!!! I've been waiting for a few months for this to be resolved and it isn't so now I'm reporting XXXX XXXX for stealing my MONEY and JPM Chase for not helping me recover it as a member!! 

XX/XX/XXXX JPM Chase sent my funds back to XXXX XXXX, below is the info : XXXX # : XXXX XXXX # : XXXX The original case # with XXXX is : XXXX I would like to know where my funds Chase sent to XXXX is and I want XXXX to send them back to my Business Chase account so Chase can give me my funds!! This has caused me pain, suffering, and stress for my business. I am reporting XXXX and Chase for not resolving this matter. 

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

Transunion is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status ) I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Product: Debt collection

Was told by XXXX different people that if I paid the debt in full Amercian Medical Collections would remove the info from my credit report. They have failed to do as promised. I have an immaculate credit report and want to keep it clean. I paid it as soon as I got it. I moved for 2 years and was forwarded the notice from the new tenants. Paper says pay in full and no bad debt reporting. They simply lie to get what they want. You should n't allow these tactics. I always pay my debts and always pay them on time. I think they need to honor their promise and remove this from my credit report. They need to reprimanded for the lies they tell the debtors in order to collect. I paid the full amount and did n't even negotiate the amount because they were going to remove it within 3 days since I paid it in full via their website the day I spoke with them. This is just so unfair. Please investigate their tactics to be sure they do n't scam or lie to others as well. I worked hard my whole life to establish a great credit score and this one bad mark lowered my score drastically for at least 6 months. They ruined my credit because of their failure to keep their promise. Thank you for listening and possibly helping to resolve this issue and protect others from these tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX and XXXX  are reporting the XXXX XXXX partial account number XXXX in error. ( Please see page attached from my credit report. ) I have fought this with the bureaus and they can not continue to report. These accounts are over ( 7 ) years old and continuing to report this is a violation of the Fair Credit Reporting Act. I request that these line items be removed from my credit report. I have continually contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to unfreeze my account with Experian and I am unable to log into my account. The login does not accept my username or password. When I select 'forgot your username ' of 'forgot your password ' it takes me to a page to enter my date of birth and social security number. When entered I get a reply 'sorry that didn't match up, please try again '. This is also true for my wife 's account. 
There is no possible way to call and talk with an agent at Experian. No way. I finally selected 'fraud alert ' on a site, but I have no idea what that does for our problem. 
We were hacked a week ago, and I am suspicious we are subjects to identity theft, and if so, there is no way to stop it without actually talking with an agent to prove my identity and access our accounts. 
Even if there is no fraud, I can't start from scratch and try an open a 'new ' account with my date of birth and social security number to see what the response would be from Experian. 
This is not happening with XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation XXXX has totally let the breach destroy my credit again 4th time conns, XXXX never late, XXXX not mine, and XXXX XXXX not mine id theft sent po report sent
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account for XXXX  was falsely used its not me I would Like that to be erased from my report asap