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

I stayed at XXXX XXXX XX/XX/22 XXXX number XXXX. I used XXXX redemption points for my stay. I had to present my capital one card for check in. After checking out my bill states balance XXXX. Months later the hotel charged my credit card {$57.00} for the stay. 

The next night I paid using my capital one folio XXXX and that charge is correct. 
I have submitted the receipts to Capital one and explained several times the situation. They support team is constantly asking me for proof, but there's nothing else I can provide
Product: Credit reporting or other personal consumer reports

I wrote a letter on XX/XX/2024 to COMENITYBANK/KAY concerning an unauthorized inquiry they put on my consumer and credit reports. I heard no response in writing nor was I contacted any other way far as my dispute is concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit reports on https : XXXX 

TransUnion indicated they were unable to validate me online and required me to submit my request by mail, which I did. 

TransUnion responded by mail ( attached ) that I had already received a free annual credit report in the last 12 months and would have to pay an additional {$8.00}. 

It is my understanding that these reports are supposed to be free due to the pandemic : https : XXXX I need help getting TransUnion to comply and provide me my free report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THREE COMPANIES DO NOT INCLUDE YOUR STATEMENTS IN THEIR REPORTS, THEY JUST SAY THE VERY MINIMUM WHICH MANY TIMES DO NOT SATISFY THE LENDERS OR THE COMPUTERS LOOKING AT REPORT, THE REPORTS INCLUDED ON REPORTS ARE NOT HELPING THE CAUSE OF CLEANING UP CREDIT REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally filed a complaint with the CFPB regarding a verification letter that I sent to and was received by Equifax on XX/XX/2022. CFPB Complaint # XXXX. In the letter, I requested verification of a Bankruptcy item, and I also requested the Method of Verification as well. 

Equifax exceeded the maximum amount time of 30 days in which to respond. They failed to respond until after I filed my complaint at which time, they opened an investigation when they should have deleted this item pursuant to the FCRA. 

Now they are claiming as no XX/XX/2022 they verified this item to be accurate. This is no doubt, a violation of the FCRA. It is clear that courts do not report to credit reporting agencies.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied to have my credit line reopened with BB & T, in the XXXX North Carolina branch. My credit line was suspended due to a drop in my credit score over 3 year plus years ago. I applied to have my credit line opened back up, due to my score has increased, also I have never missed a payment on this credit line or with any other product at this bank. I have also asked for a copy of my agreement with XXXX XXXX in the complaint department and have yet to receive a copy of the agreement as I had requested. I have concerns that I may be a victim of overt discrimination as the bank will not take into account my spouse 's income, and due to the fact I 'm now married. I also do n't believe I have been treated fairly as the Branch Manager told me it was not income related, but score driven. I also complied with all requests such as supplying two years tax returns, making a payment to my credit line and providing current check stubs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FILING THIS COMPLAINT BECAUSE XXXX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, i received a notification from my credit company that someone has been using my card and we canceled the charge as fraud. When the representative asked for my address to ship the new cards to, the address I gave was different from the one in the file. Someone had changed the address on my acc and has received my new credit card. Now everyone connected to that card has had their address changed on each of our credit reports. This has been brought up with the postal service because the culprit had filed a " Change of Address '' form and forwarded all my mail to the culprit 's address.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed some fraudulent accounts per FCRA subsection 605b and 15 usc 1681c2 I ask that you block the following accounts immediately XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} Late Payment : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The last several years PNC Bank has charged me thousands of dollars for NSF funds. Recently I discovered year to date of approximately {$750.00} in fees for NSF. On or about XX/XX/XXXX PNC announced no longer charging customers fees when funds are deposited within 24 hours. 
On or about XXXX XXXX XXXX  I spoke w a representative regarding the fees- {$36.00} was refunded and was told, a supervisor would contact me-never received a call back -On or about XX/XX/XXXX reviewed my account was overdrawn by approximately {$17.00}. Deposited via XXXX at XXXX ( prior to deposit no fees were added ) leaving the account positive balance -On or about XX/XX/XXXX account was charged {$36.00} fee I called spoke w representative XXXX-was told computer was down, call back-spoke with XXXX again system down -On or about XXXX spoke with XXXX I was told my checking account was never enrolled in low balance virtual wallet refused to refund feesas per XXXX the system doesnt recognize any deposits after XXXX refused to return funds I have over {$750.00} worth of fees while PNC received BILLIONS of PPP loans from taxes as well as PNC committed fraud/deceptive practices by failing to stop NSF Fees but instead changed the wording to overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/2022 ) as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. 

Please see attached
Product: Mortgage

The mortgage payment on my  XXXX   XXXX ,  2017 statement from Fay Servicing jumped nearly three times -- to {$1700.00} -- which i s due on  XXXX   XXXX . We have been paying in good faith on this home equity loan yet, unilaterally, and without warning nor explanation,  Fay Servicing cho se to more than double the monthly payment.
Product: Credit card or prepaid card

I purchased a {$100.00} U.S. Bank Visa gift card at the XXXX XXXX XXXX, Virginia location on XX/XX/2020 and tried to use it about a month and a half ago only to find out it was drained ( fraudulently used ) .. I contacted U.S. Bank 's customer service at the same time and they told me a representative would call me to gather information. The representative called me and informed me that a letter would be mailed out to me to fill out and send back to them. The letter arrive a month ago, I filled it out the same day and sent it back. It's now a month later and NO replacement card has been shipped to me ... I contact U.S. bank via calling, social media, etc to no avail..
Product: Credit card or prepaid card

private company named Money Network Financial claiming to be a wholly owned subsidiary of Fiserv.Inc. sent me a debit card requiring that I provide identification information to the company to " activate '' a card I never requested to receive a " government benefit ''. This came by mail to my home address. The Return Address on the mailing is NOT TO THE so called company sending me this card. Instead it is to the named card " Economic Impact Payment Card '' at an address in XXXX, Nebraska. 
The enclosed mailing includes the statement that " You acknowledge that you have read the material provided to you, including the Terms and Conditions, Balance and Transaction Limit Schedule and Schedule for your Account, which can be found at XXXX ... ... ''. Obviously none of this is a United States Treasury Department message and requires access to materials NOT PROVIDED> There is the statement that " You acknowledge that any term of the Cardholder Agreement, including the Fee Schedule, may change at any time ... ... '' This appears a scam to get financial information or contact information about me including what would be electronically transmitted to unknown entities if used to interact with my personal bank or other entities. 
There is a reference to arbitration " in your full cardholder agreement '' without any link to what the " full cardholder agreement '' may be, where it is located, and what changes may be made to such agreement. 
There is no security provision on how information on this card will be managed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I received an alert that my care credit/synchrony bank credit card was reported as delinquent. This brought my credit score way down. The account is not delinquent. I tried submitting a dispute on transunion but unable to do so. This account should not be reporting as delinquent Ive also had many issues resolving a problem with this bank in the past.
Product: Student loan

I had paid all my balance that I had owed in 2010 to Sallie Mae when I attended XXXX XXXX XXXX. The amount was never deducted from my account and it was rolled over to Navient. I would like Navient to remove the balance that I had already paid to Sallie Mae. Total balance paid {$15000.00} in 2010. 

Thank you,
Product: Debt collection

I received a call from XXXX stating they need to confirm I would be home to serve me papers from another agency. I asked for that agencys information and they gave me a number to call, XXXX. My call was answered by XXXX who had the last four of my social my maiden name only and simply told me they were going to garnish my wages for the amount of XXXX which the original balance was XXXX the remaining is their legal fees. I asked for further information and was given an account number of XXXX which i called Bank of America about, and did the same 4 years ago when a collector tried the same thing, and again they have no records of me having a negative debt with them. I have an account with them currently. I asked her the date on the account and its from XX/XX/2006, that is when it was closed. When I asked for more information she got hostile after I told her that it wasn't a legitimate account, and just said I will be served and have to go to court and hung up on me. I tried to call back and could not get anyone to answer after the phone kept ringing for 10 minutes. I used my XXXX XXXX account to call from a different number and within 30 seconds XXXX answered and I asked the company name which was given to me as XXXX and said it wasn't an Acronym. I asked for an address and they hung up.
Product: Credit card or prepaid card

Placed order on XX/XX/2020 on Macys.com under order number XXXX, it is a qualifying purchase for the 12 months interest free financing as it is a jewelry watch purchase. I fully understand that the total purchase has to be paid within the 12 month period to avoid retroactive finance charges. Please place this purchase under this category back to the original purchase date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account, XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my righ

ts 15 U.S.C. In accordance with the fair credit re
porting act XXXX  account XXXX XXXX  XXXX 2022 has violated my rights 15 U.S.C. section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section2 it also states a consumer reporting agency can not furnish an account without my written consent. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXX  XXXX has violated my rights 15 U.S.C.1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written consent.
Product: Debt collection

Good Afternoon, I first learned about the debit on my credit report as I was under the assumption this was my ex wifes debit. After learning that we are both responsible I contacted the company at Hunter Warfield to find a settlement. I asked for my account number & pin number and was told I didn't have one the first time called back 2nd time and had to speak to the gentleman several times in order to be provided it. Then after I told them how much we had to settle he proceeded with a counter offer and I asked him to please provide the settlement in writing so that I know that it is a legit and I would be protected before providing my card number. He refused to provide me the offer in writting and then said if I don't pay right now I will owe the whole amount. He has not stopped calling me even though I continue to tell them I want to pay I want to accept the settlement offer but, I need to have something in writing that by pay this settlement amount I will be paid in full. They still refuse.
Product: Vehicle loan or lease

Ally Financial keeps upping my total balance due. 

In 2019 my total balance due was {$3800.00}. Than in XXXX of this year my total balance on the account was {$4100.00}. Now I went to go make another payment and no wmy balance is back up to {$5000.00}. 

Ally Financial has no transparency on the online platform to show how my total balance keep rising on a regular basis. 

I have all records of payments and no answers to why they keep raising my total balance on my car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XX/XX/XXXX To Whom It May Concern : This letter is in response to your recent claim that the following has verified that the account they are reporting under my name is accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested , to be provided within fifteen ( 15 ) days of the completion of your re-investigation . 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your no
n-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

i reported them that my perosnal information with my ssn got leaked on internet, and got debet under my ssn, which i dont recognized.i told them but they still didnt got helped moreover i credit score is messed up
Product: Credit reporting or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 than seven years.

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.
Product: Debt collection

On XXXX/XXXX/XXXX a Stipulation of settlement was ordered by the XXXX country court in the amount of {$14000.00} and {$7400.00} both amounts were paid in full and the premises was cleared as per the order on XXXX/XXXX/XXXX. I have spoken to XXXX XXXX XXXX and XXXX XXXX XXXX at XXXX numerous times. Conversations started on XXXX XXXX and ended with no resolution on XXXX XXXX despite me sending him all the papers and documents that he has requested. 

XXXX XXXX at FCO promised to contact XXXX XXXX to resolve this matter. On XXXX XXXX I spoke to XXXX XXXX and he informed me that they did not reach out to XXXX XXXX and the compliance officer at FCO determines if I owe money or not. On XXXX XXXX, XXXX XXXX XXXX stated that the compliance officer at FCO determined that I still owe the money despite the Stipulation of Settlement or any of the prove that was sent to him since XXXX XXXX. 

According to the law it states that if Stipulation of Settlement is signed by the judge and conditions were met and paid off in full XXXX XXXX or any other collection agency has no right to go back and charge extra charges or send to collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries listed on my credit report ( s ) were not authorized : XXXX - VW Credit Inc XX/XX/2020 XXXX  - Volkswagen Credit XX/XX/2020