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

I purchased exam study materials through a company called XXXX XXXX XXXX XXXX XXXX for {$200.00} on XX/XX/24 through XXXX XXXX. The company made additional unauthorized charges to my account for {$200.00} on XX/XX/24, totaling {$400.00}. I messaged them about this charge, and they claimed the additional charge was to ensure my account was legitimate and had sufficient funds. I never received the exam study materials from them, and after requesting my money be refunded to my account ; the company ceased all communication with me after XX/XX/24. The company website is XXXX XXXX XXXX  and their email address is XXXX. The phone number they have listed is XXXX. I called this number is spoke to someone and requested my money be refunded back to me. The person stated they will refund my money back within a week. I never received my money and when I called the number again, it went straight to voicemail and no one answers. 
I contacted Chase Bank to file a dispute in XXXX against the charges made to my account. I provided evidence proving it was fraudulent and some of the charges were unauthorized. Chase denied the dispute. They claim it was denied because I authorized the initial charges. I have been scammed by this company for {$400.00} and my bank is unwilling to help me.
Product: Credit reporting or other personal consumer reports

Equifax asked for information be removed not investigated and not owned by original creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are incorrect, it is affecting my livelihood adversely! 

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

I have filed BOTH a police report with XXXX Police Department AND a FTC Identity theft report. Equifax is still refusing to remove a fraudulent inquiry from an account obtained via identity theft. I will be attaching my FTC Identity Theft report. I will follow up with the XXXX Police report ALSO as soon as they give me a copy. I already filed this and CFPB said it's fine to keep inaccurate identity theft on my credit report. IT IS NOT. IT IS ILLEGAL. I am providing the FTC report. Then I'm suing under fair credit reporting act. You now have a law enforcement report. Failing to remove now is malice. I'm entitled to {$1000.00} summary judgment if you choose to break federal law again because now I can prove malice.
Product: Checking or savings account

I received a letter stating my account was restricted because of unusual activity and to protect me from unauthorized transaction the bank is first financial the date on the letter is XX/XX/23 then I received a alert that this account was closed on XX/XX/23 not to mention first financial ran a hard inquiry on my credit That was not authorized
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXX that starts with the following numbers XXXX which is closed because it was paid in full shows 2 late payments which never happened as you can see the account is paid in full. I have contacted XXXX several times and they do not respond to my request, they tell me that it does not appear that I have had accounts with them. Please if you can help me remove these from my report. Thank you very much. 
Account closed paid in full XX/XX/scrub>XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX utilized an incorrect address in XXXXXXXX XXXX  where as my residence is in XXXXXXXX XXXX 

As a result, I never received bills and was informed by the representative who sold the furniture that I would not have to make payments until XXXX  months later. Due to not receiving bills that were sent to the incorrect address miles away in XXXXXXXX XXXX XXXX XXXX incorrectly made a negative late report on my account. 

In addition, on XX/XX/XXXX, a payment of {$200.00} was made as I was informed by the representative that this was the payment due. However, on XX/XX/XXXX, only XXXX week later a late charge of {$40.00} was assessed on my account including another late report on my credit report. XXXX XXXX XXXX XXXX are engaging in misleading and predatory behaviors to collect late fees. 

I would like my credit report to be corrected as well as late fees reversed.
Product: Credit reporting or other personal consumer reports

I am XXXX of the XXXX family. It is my goal to ensure that all personal information reporting on my credit report is 100 % accurate. I recently checked my credit reports with XXXX XXXX, Experian, and XXXX and noticed that there are several addresses being reported. How can this be? I I only dwell at one address. I am seeking remedy to correct and update my credit reports to reflect my only address as : XXXX XXXX XXXX. XXXX, PA XXXX. Please delete all other addresses to ensure maximum possible accuracy. I have attached a copy of my driver 's license which has my correct address. Thank You.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX XXXX, XXXX Bank, XXXX XXXX XXXX for XXXX reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide XXXX disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>
Product: Credit card or prepaid card

In XX/XX/XXXX/XX/XX/XXXX I applied for online offer ( see attachment # 1 ) from American Express for an AMEX SPG credit card that would reward you with XXXX SPG ( Starwod Preferred Guest ) ponts, if you spent {$3000.00} within the first 3 months and an additional XXXX SPG points if you spent an additional {$2000.00} within the first 6 months. My application was approved and I was issued an SPG AMEX card ending in # XXXX. I did spend {$5000.00} within the first 6 months as advertised and I called AMEX to find out when I would receive my XXXX SPG bonus points? The AMEX rep advised that I needed to wait another 1-2 billing periods. I called back again in XX/XX/XXXX and was advised that I did not qualify for the promotion because I had an AMEX card 3 years before. On XX/XX/XXXX, I sent an email to the CEO of AMEX, XXXX XXXX, ( attachment # 2 ), explaining my disappointment with the marketing of the AMEX SPG card, as AMEX had all the information on my prior AMEX cards before approving my application for this offer, so I assumed I was approved for the AMEX card and the offer. If I had not been approved for this card, I could have applied for an AMEX SPG Business card or to a competitor 's promotional offer, rather than spending {$5000.00} with AMEX. I received a response from XXXX XXXX 's office ( attachment # 4 ) echoing the explanation given by the AMEX rep. On XX/XX/XXXX ( attachment # 3 ), I sent another email to XXXX XXXX ( Assistant to XXXX XXXX ) of AMEX, detailing why I felt that offer was deceptive or misleading and deprived me of fulfilling a promotional offer from another credit card company and AMEX 's email repeated the same response as their prior email ( Att. # 4 ) I then forwarded my complaint to the Consumer Protection Bureau of the PA Attorney General 's Office ( attachment # 5 ) .and in XX/XX/XXXX I was advised they could not resolve my complaint with AMEX ( attachment # 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On several attempts I have contacted all 3 credit bureau about the inaccuracies on my credit file.. The accounts are not my account and are considered inaccurate information. With reporting this accounts is a violation of my rights and hurting and destroying my character and lively hood.

Theses are the accounts XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Initially, I brought a used car from the dealership and Fifth Third Bank offered me a loan. The first month I had full coverage insurance but the second month, I did not. New to the auto game, I received a huge bill for approximately {$2500.00} at the end of XXXX or start of XXXX. Upon calling the bank, the bank reimbursed me approximately {$2000.00} and {$500.00} dollars was still left off since I had no insurance for only 1 month. I paid that amount approximately 2 months later. Recently on XX/XX/2019, I received a bill from Fifth Third Bank that I had a payment due of {$450.00}. On XX/XX/2019, I called the bank that why when I paid the insurance bill already. They stated this is my regular installment payment. Please note, my monthly payments were always {$390.00} and NOT XXXX. The bank representative put me on hold and transferred me to their third-party insurance company without resolving the issue and having any specific reasons. The insurance company notified me that I need to submit proof that I had insurance for the missing month they have on file. I notified the representative that I DID NOT have insurance and I had paid the fee associated with that. Then the insurance representative stated, they will have to connect me to the bank again. Without any resolution, I am getting bounced around which is not helping the issue and further hurting my credit. I received no help and I am now left stranded. Conclusion : My payments increased without any notification or specification which is completely fraudulent. Please note, I have received no notification at all for this change and the change is unjustified by the bank. Further, the bank demands the money which has already been paid off. Furthermore, please see attached bank statements, there is a third party company named ( XXXX  ) that automatically withdraws {$200.00} dollars twice every month to satisfy the monthly payment of Fifth Third Bank of {$390.00} in which extra {$12.00} is their service fee. Lastly, please see the notice by the bank dated XX/XX/2019, in which it shows the monthly payment increasing by almost {$50.00}.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize, or benefit from any of the following Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXXXXXX XXXX XXXX XXXX XXXXXXXX Transunion.
Product: Debt collection

company called me didnt know who they was never received anything from them. put on my credit report. said that i owed them {$59.00} for a {$29.00} ups bad check. told them never wrote a check, send a copy of a check, told them must be fraud they refuse to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union simply refuses to delete the XXXX ( XXXX XXXX ) XXXX dated XX/XX/27 that is not mine. Customer Service expected me to do their job and as well as asked me to submit irrelevant documentation. XXXX and XXXX with no questions asked deleted the incorrect XXXX inquiry from my reports with them. Furthermore, there is a fraud alert on my Trans Union report that I did not authorize and needs to be removed.
Product: Credit reporting or other personal consumer reports

i reached out to Experian via regular mail on XXXX XXXX XXXX about fraudulent accounts reporting on my consumer report. i have demanded that the account be deleted as Please remove these accounts from my report they are harming my life and hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent regarding the unauthorized inquiries that is appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX this company obtained my social security number without my permission
Product: Checking or savings account

I sent over {$40.00} to my Dave account for groceries. Instead of staying there, Dave took the money ( exactly {$40.00} ) and automatically applied it to my Advance Settlement. This was both an unauthorized transaction for a seekingly random amount of money, but also drew the money directly from my Dave Banking account instead of the connected account. It also took this amount off schedule from previous payments. 

Upon calling their help line at XXXX and informing them of the oversight, I was told Dave can not " reverse transactions. '' As I'm familiar with charging back transactions, I know this can not be true.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XX/XX/XXXX and my loan is with Chrysler Capital. I ran into some really hard times at the end of XXXX and my vehicle was repossessed XX/XX/XXXX. I gathered all of the funds to get my car back and retrieved it on XX/XX/XXXX. Recently I received an alert on my credit monitoring site the the loan was CHARGED OFF. I contacted the bank and they explained that because of the amount of days past due the loan had in fact been charged off and will continue to report that way even though i brought the loan current and have been making payments on time ever since. I need the accurate status of the loan to report to the credit bureaus so that my payment history can improve
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XX/XX/XXXX you must complete this reinvestigation within XX/XX/XXXX of receipt of this complaint.
Product: Debt collection

Sent a letter to leasing office stating that the amount was incorrect that it included the price of a XXXX XXXX  that was never given. The amount is incorrect. I don't recognize this company or how they got the debt or when or how. The debt just showed up onto my credit file without notice. The debt says one month term there is no such thinas a one month term this debt is keeping me from renting another property. And the payments that were taken are not recorded as payment.
Product: Mortgage

The issue I have been dealing with involves my escrow account and what I am paying into it. I have been paying into this account since  XX/XX/XXXX . When I took on my mortgage I had to file homestead and mortgage exemption ; once property taxes where due in  XX/XX/XXXX  the amount due was adjusted.  XX/XX/XXXX  Taxes have been paid and I have well over the amount in my escrow to pay HOI premium and  XX/XX/XXXX  taxes. My mortgage company will not re-adjust the amount I owe each month to put into my escrow account. Now they plan on taking over {$1300.00} of my money and holding in an account that will not be used for anything. Taking and holding the money until the end of the year, then producing a refund is counter-productive. I totally understand taking out the appropriate amount each month for  XX/XX/XXXX  taxes and HOI bills, but the amount that is being taken out now is excessive. I feel that my rights and finances are being taken advantage of. I have attached my most recent mortgage statement with the date  XX/XX/XXXX  Taxes were paid and current escrow balance ( that covers HOI and  XX/XX/XXXX   tax bill ) , my HOI  XX/XX/XXXX  page with the amount of my yearly premium, and my State Tax bill that has  XX/XX/XXXX  (  spring  ) and  XX/XX/XXXX   (   fall  ) amounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was a CHARGE OFF COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX, XXXX XXXX and XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX account Transunion is reporting XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 as late. I spoke with XXXX XXXX department and I was informed that they did not report that to Transunion. I spoke with XXXX at Transunion who stated they received the information from XXXX. I would like for this to be looked into b/c it appears that Transunion is reporting inaccurate information. XX/XX/XXXX as well as XX/XX/XXXX have the correct information. I did file a dispute but I would like to insure that the inaccuracies are taken care of.
Product: Credit reporting or other personal consumer reports

I have disputed inaccuracy over XXXX times with experian, XXXX and transunion, i have informed them that this debt collection is not my debt and to provide me with exact proof of a contract with my original signature, i do not have a contract with XXXX XXXX XXXX, they have violated my rights by spam calling me and sending me endless emails of a document with no signature, this document is just my name and a inaccurate debt owed, i informed them over XXXX times that this is not my debt and to contact the original debtor for a signature on this debt that i agree and binded myself into this debt. they have yet to provide that. I informed experian and XXXX and transunion and they are refusing to remove a debt that is not mines. The debtor keeps reporting interest on my credit which is also illegal because it is not my debt which is causing my credit to go down and putting me in a financial burden, i have also asked all XXXX credit companies experian, XXXX and transunion to provide me with proof and according to fair credit reporting agency i am allowed to request the exact description on how this proof was obtained and i have yet to receive either passing 30 days. This collection needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( Credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information, you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  You consumer reporting agency are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. these inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii the information is, in fact, inaccurate. Duty a moral or legal obligation ; a responsibility Accurate correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. I The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate By Definition The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 5-2 Says you consumer reporting agency are a furnisher of information. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 5-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reperting agensy, if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. 15 U.S. Code 5 1681s-2 ( ) DUTY oF FURNISHERS OF INFORMATION TO PROVIDE ACCURAIE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer repertina the person has been notified by the consumer, at the address specified by the person, for such netices, that specific information is inaccurate ; and ( 8 Informatien is , in tact, Iaccurate. in conclusion I have shown you and you have been put en notice that you are reperting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate infoemation is a clear violation of the Law 15 USC 1681 9-2 of your respordibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.