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

On XX/XX/year>, I made a purchase at XXXX XXXX for the amount of {$1000.00}. Initially, I attempted to pay with my business card, but the payment was declined. I then used my credit card, and the payment was successfully processed. 
2. On XX/XX/year>, I discovered that the amount of {$1000.00} had been charged to both of my cardsmy business card, which had been declined, and my credit card, which I used to complete the payment. 
3. I immediately contacted a PNC branch, where I was informed that the situation was understood and that the funds would be refunded to my account. The refund was processed accordingly. 
4. However, on XX/XX/year>, the same amount was charged again to my business account. I reached out to the bank again and was told that an investigation had been conducted and it was determined that I had used these funds, and that the bank was not responsible. As a result, I was advised to contact XXXX XXXX. I personally visited the store and called their customer service hotline to resolve the issue. However, no records of the disputed charge were found in XXXX XXXX system, although they confirmed other transactions I had made, including the one paid with my credit card. 
5. The bank then sent me a letter stating that the case had been closed because more than 90 days had passed, and that further appeals were no longer possible.

The responses I received indicated that the bank had completed an investigation and deemed the matter resolved, despite the lack of adequate resolution.

I am requesting that your bank thoroughly review this situation and refund the money that was incorrectly charged to my business account. I have all the necessary documentation, including receipts from XXXX XXXX confirming that I made the payment using my credit card, as well as bank statements showing the double charge. I believe that this situation has not been properly investigated, and I am seeking a fair resolution to this matter. 
I kindly ask that you initiate a thorough review and provide me with a detailed explanation of the next steps to resolve this issue and return the funds.
Product: Mortgage

Sir Madam Each month I receive statements ( demands for payment ) XXXX for the following month and XXXX for the month that has been paid but dosement acknowledge that payment. I want Chase Bank to stop sending us a demand for payment, for a period that has already been paid. Just to be clear we receive XXXX bills for every loan that we have. This is confusing and will eventually cause a laps in payment or an over payment. Which I want to avoid both they are blaming the federal government. I would like to have any payments already made to be acknowledged since we pay the stated amount before the statement is sent. If the statement amount has already been paid the statement should at least state that. This practice is bound to cause a mistake that will cost me money for a late payment or something like that. 
I would like to point out that JP Morgan Chase bank is a convicted felon, convicted by due process of law and as I understand they have admitted to these wrong doings. 
I also do n't think you the c.f.p.b. will not intervene in this case you people have been of no help in the past XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy and validity of a repossession and charge-off account reported on my consumer credit report. Despite my efforts to ensure timely payments and maintain accurate records, these entries have negatively impacted my credit score. I am specifically requesting validation of the following : Competent Evidence : Verification of all calculations, accounting audits, dates, and balances related to the account agreements I have with the reporting company. 

Validation of Debt : Clear and indisputable documentation of the consumer-credit contract, bearing my lawful signature, which outlines the terms and conditions I agreed to and may have led to any derogatory marks on my account history.

The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and relevant state laws mandate that all reported information must be accurate and verifiable. In this case, the necessary validation and competent evidence seem to have been overlooked, resulting in the incorrect reporting of the repossession and charge-off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan, at which time my bank informed me that I had two gas cards that I had not paid the balance on. One had a balance of approximately {$80.00} and the other {$120.00}, This information is wrong, and I have tried calling Equifax for a solution to this incorrect data. Equifax makes it next to impossible to report incorrect data. 

For example, I log into Equifax and follow their process to dispute a claim. Yet, the credit cards in dispute do not show up!! I have been at this for days. 

I respectfully ask for your assistance.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Student loan

XX/XX/XXXX : my brother contacted me in re : to a letter he received from Navient stating that they were trying to get in touch with me re : my student loans. XX/XX/XXXX : My employer received the same letter XX/XX/XXXX : My coworker received the same letter Not only is my family now involved, I now have My Boss and a Coworker wondering why they are getting student loan letters on my behalf. I logged online to show my boss that my past due balance was only {$210.00} and my intention was to pay with our next pay period. He was upset that he had to have this conversation with me to begin with not to mention its all because of {$210.00} too. My coworker had to then explain to my boss and her husband not knowing how she got involved and how did Navient even get her home address? I looked all over their website, in my profile page and nowhere is it listed that I have provided this information. I feel this is harassment. This could cost me my job which then they will never get paid. I do n't like having to explain not only to family but to the people I work daily with that my Mortgage and Child Care expenses come first and that if I am 1-2mo behind on Student Loans that they should not be sending letters to everyone who knows me. its embarrassing and unnecessary. I understand if I was severely past due but even then follow the proper route ; certified mail or something. But all of this for {$210.00} is harassment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 2025 my problem is with the following credit bureaus all three of them. 
XXXX. XXXX : XXXX. Experian : XXXX. XXXX XXXX ; the law says, Approximately seven years Generally speaking, negative information such as late or missed payments, accounts that have been sent to collection agencies, accounts not being paid as agreed, or bankruptcies stays on credit reports for approximately seven years.

You can dispute and correct inaccurate information, including outdated addresses, by contacting the credit reporting agencies directly. It's your right under federal law to have accurate information on your credit report without incurring charges a lot of information in old addresses have been on my report over seven years they need to be removed.
Product: Credit reporting or other personal consumer reports

I've filed numerous reports to the bureau 's about this account not being mine and was a result of identity theft. 

Accounts : XXXX XXXX {$730.00} XXXX XXXX  XXXX {$810.00} The XXXX XXXX XXXX was deleted and put back on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continuously violated my federally protected consumer rights. Your company is violating me as the consumer by furnishing inaccurate, unfairness, and privacy information on my consumer report without my written permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ). I am a victim of identity theft from the t-mobile data breach, your company is furnishing and reporting FRAUDULENT accounts on my consumer reports. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so properly the past several months. I'm demanding you to block the information reporting no later than 4 business days pursuant to 15 USC 1681c-2 ( a ).

" A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' 15 USC 1681c-2 ( a ) - XXXX XXXX XXXX XXXX XXXX ) - XXXX & XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX BANK XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 's XXXX, XXXX, XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # 's 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. Please see attached 'Executrix letter '.
Product: Credit card or prepaid card

Amazon put a freeze on my account for unknown reason and claims they can not unfreeze it until they send me a link via text message. However, there policy states I can have an automatted call as the other option. I was then accused of swearing to XXXX when I never did and she was short of harassing me and insisting I have to be sent a text message link. She was from overseas. This is the locked account message from Synchrony " There is an issue with your account, Please contact Customer Service at XXXX.You will not be able to make purchase with your card until you contact customer service.The enhanced Manage Alerts feature is now available. Check out our new alerts! 
Welcome, XXXX Image of sample Amazon Prime Store Card Amazon Prime Store Card Account ending in XXXX '' My statements are fine and there has not been any suspicious activity. Amazon is spamming people with suspicious text messages link as to capture private data from phones.

They refuse to send me an automated call when that is their policy that I can request that as an alternative verification.

Amazon is unlawfully freezing accounts and then stating we have to follow links on our phone. 

I have never been late on payments or had others with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I need your help to update my mortgage account information with the lender as well as the three credit bureaus because there is still some out-of-date data with them. 

In early XXXX I activated a forbearance plan offered by the lender of US Bank by mistake and then cancelled it immediately as I didn't need it. Thus there is no one single payment that has been delayed or missed. However, that resulted in a severe consequence that no new mortgage loan I can get. 

I had tried to contact the said lender and the XXXX credit bureaus, requesting them to remove the out-of-date information of the deferred plan with a letter from the US Bank dated XX/XX/2020 confirming the termination of the said plan. Unfortunately the information has not been updated with the lender and those bureaus till now. To be worse, the recent credit report even shows that a deferred pay start date will be XX/XX/2020. 

Therefore, it would be appreciated if you would help me update my mortgage account information with the lender and the three credit bureaus at your earliest convenience.

Should you have any questions, please feel free to let me know soon.

Your attention and assistance to this matter would be much obliged.

Yours sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have made 3 payments of XXXX, the loan amount was XXXX. I received a bank fee of XXXX because it overdrew my account. The amount that i Will have paid back is over XXXX of I pay all of the payments. I am a single mother of XXXX kids with XXXX in college. I should have never taken out this loan.
Product: Bank account or service

I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about WU Pay so, I downloaded the WU Pay ( Western Union ) in my XXXX. Then made a call to Western Union to understand the process. I was told to add WU Pay as payee in my bank checking account and paid the money I wanted to transfer into the WU Pay. So, I paid {$620.00} from my XXXX XXXX XXXX checking account to WU Pay and WU Pay received {$620.00} from checking account on XXXX/XXXX/2016. After making several calls and emails ; I was notified by Western Union/WU Pay dispute escalation team that they can not find my {$620.00}. I have provided them with cancelled check for {$620.00}, XXXX and XXXX bank statements to prove that they have my {$620.00} but Western Union/WU Pay is unable to locate my money.
Product: Vehicle loan or lease

I need to refinance my vehicle. I love this vehicle so much. I put all my time and effort to maintain it and own it. The interest rate is unbelievably high and it seems I only paid like 6 % when I have this car for more than a year. Not only that I tried to refinance my vehicle more than multiple times when my credit score said it was fair, or the right time to refinance. I also spoke with Santander if I could refinance and they said yes. I also made adjustments so that I can qualify for refinancing through XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. None of them accepted me. I told them I needed to lower my payments to {$300.00} a month at least. I made sacrifices like take out my compound interest in my banking acct. to pay my vehicle. I also adjusted my debt to income ratio close to 51 % so that I can qualify. I need you to remove my interest rate or lower it down. The estimated value of this car is $ XXXX. I love you Santander so work with me. Plus, I supported XXXX in the XXXX  XXXX for the XXXX to win. If you know, Santander sponsor XXXX, So at least help me out of good will. Thanks. I'm going to report all refinancing companies for not allowing me to refinance.
Product: Credit card

My Citibank credit card was charged {$2400.00} twice in a row because I was scammed on XXXX XXXX in XXXX XXXXXXXX I intended to donate {$10.00}, but the scammers ran my card for {$2400.00} twice ( total {$4800.00} ) without my knowledge. I saw the charges on my card within XXXX hours and alerted Citibank, filing a dispute for fraud. A few days later, a Citibank rep called for details and advised that I file a police report. I did so online, but I didn't learn that the report didn't go through until XXXX, when I called and filed a report over the phone. I provided the report number to Citibank. In the meantime, Citibank denied my dispute. I appealed the maximum number of times, explaining that I did not authorize {$2400.00} to be charged to my card twice, that I had never shopped at the company listed with the charges, and that I had been scammed. At the very least, the double charge of that amount should have been suspicious or looked like an error to Citibank. Instead, my dispute claim and all my appeals were denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not deleted these unauthorized inquires from my credit report. They sent me a response saying " inquiries are a matter of fact ... .. '' but they still DID NOT show me where I signed any consent at all. I DID NOT AUTHORIZE these inquiries and there was no investigation done at all. On behalf of the Equifax breach, I STRONGLY wish to have these inquiries deleted because THEY ARE NOT MINE. They did not even delete an inquiry in which the creditor themselves sadi they submitted to them that it should be deleted. I have tried calling Equifax 's phone number and it hangs up on me every single time. They are purposely not answering their phones to correct their own negligence involving this data breach. I want these inquiries removed promptly.
Product: Credit card

I received an American Express co-branded XXXX XXXX credit card referral on XX/XX/XXXX from a relative. The referral advertised XXXX bonus miles for signing up by XX/XX/XXXX and spending {$4000.00} within the first 6 months of card membership. 

I signed up for the credit card on XX/XX/XXXX. At the time of sign up a box appeared saying that the bonus was not applicable. This box was misleading as it appeared to indicate that the bonus to my referrer was not applicable, not the advertised bonus award of XXXX miles. 

I met the spending minimum for the credit card within 1 month of signing up. 

I called Amex in XXXX of XXXX to inquire about my bonus, at which point they told me that I was not applicable. I asked them to reevaluate given the misleading nature of the advertising. 

I followed up again with Amex who reiterated that I would not be granted a sign-up bonus despite the misleading advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries don't belong to me I didn't authorize them. 
XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

JP Morgan Chase allowed a person to open a credit card in my name to a different address than my own. I have lived at the same address since 2006. I have never lived at the address the merchandise they bought under my name without my permission was delivered. JP Morgan Chase continued to send all information asked of them to the fraudulent address even though I provided and proved my identity to them. They used information I gave them to validate my identity against me by adding to the missing information on this fraudulent account that they did not currently possess. Now I have an address I have never even seen or lived at or visited or know anyone who has on my credit report as if I lived there. It is extremely frustrating to have JP Morgan have so much power and to tell me I did live somewhere I have absolutely never lived. To make this even worse, my husband paid the money back to them so they would leave me alone and they have added to my credit report that this was written off. It should have been but it was not and is negatively affecting my score!
Product: Debt collection

Credit Bureau of Havre was calling me not identifying themselves or what they were calling about leaving voicemails repeatedly and did not send any written notice until months later still violating Fair Debt Collection Practices Act by not validating the debt advising that I had the right to dispute the debt or identifying name of creditor. I did not know collection action was filed until I got a collection notification on my email from XXXX XXXX. After my own investigation, I found that XXXX XXXX, son of XXXX XXXX just released from prison, found invoices of previously paid legal bills directly from a lawfirm in my name jointly with XXXX XXXX and only XXXX XXXX personally and not XXXX XXXXXXXX XXXX as XXXX XXXX and I signed XX/XX/XXXX a retainer contract with XXXX XXXX XXXX for services XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX created invoices and fraudulent claims to mark bills owed through his father 's company XXXX XXXX who is an implement dealer and has nothing to do with legal work. XXXX fraudulently created invoices owed through XXXX XXXX for legal services which they do not even offer at XXXX XXXX XXXX. 
Contract was never signed or owed to XXXX XXXX XXXX who turned this debt claim over to Havre Credit Bureau, via written statement by XXXX XXXX claiming to be the Vice President. Through XXXX attorney, I sent debt verification request letter to Havre Credit Bureau who signed for it certified mail on XX/XX/XXXX and they returned post marked XX/XX/XXXX with invoices created through XXXX XXXXt for their ledger. I then waited until XX/XX/XXXX and sent debt dispute letter to Havre Credit Bureau who signed for it certified mail on XX/XX/XXXX and have not received anything further from Credit Bureau of Havre. 
I then sent certified letter XX/XX/XXXX reiterating dispute of debt to Credit Bureau of Havre and requested for the 2nd time that they notify credit agencies that this debt is illegitimate. 
I then sent XX/XX/XXXX certified letter to Credit Bureau of Havre asking for proof of investigation opened for dispute and case number. 

This debt was removed per XXXX dispute on XX/XX/XXXX recognizing that this is a falsely claimed debt that I do not owe and yet Havre Credit Bureau continues to pursue claim in Unfair Practices thus again violating the Fair Credit Reporting act and Havre Credit Bureau has now pulled my information twice from XXXX on XX/XX/XXXX and XX/XX/XXXX without authorization to do so these harming my credit with hard inquires. 

XXXX XXXX was arrested on drug charges right after he filed this fraudulent debt with Credit Bureau of Havre and was released over 6 months later on parole and in XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Salesman went to jail for XXXX 

I have never had collections on my credit before and have full documentation as well as Montana XXXX XXXX having documentation of this being a false debt. 

Credit Bureau of Havre is falsely pursuing a fraudulent claim and this is being taken seriously and will be pursued if not remedied by Credit Bureau of Havre immediately.