23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/2016 I called Citi credit card co. to get the payoff amount of my credit card, {$610.00}. I explained to the person at Citi that I would like to make the payment through BILL Pay XXXX XXXX because that is where all the other monthly payments were made. I explained that the payment would arrive about 5 to 7 days late and if that was OK I would proceed with the payment. I cut up the credit card and made what I assumed was my final payment. Citi did charge me a late fee of {$25.00} and I was not aware of this until they started calling me in XX/XX/XXXX. I did receive Citi card mail but was not aware it was a late fee but thought it was just information about my cash rewards and other offers so I never opened the mail but put them in the trash. To date my account is at {$120.00} because of late fees on top of late fees. Citi agreed to reduce it {$86.00}. but I feel I paid them in full when I called in to get the payoff amount. They have no record of this call. Do I have any rights or do I need to just pay the ridiculous late fees?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA.
Product: Student loan

I was enrolled full-time in college from XX/XX/XXXX to XX/XX/XXXX and this student loan was supposed to be deferred. I had requested deferment and had documentation that I was enrolled full time for Fall semester after receiving my XXXX in XX/XX/XXXX. They had received my graduation notification in XX/XX/XXXX and took me off deferment without verifying that I was still enrolled in classes starting XX/XX/XXXX. I emailed XX/XX/XXXX and told them there was a mistake and I was supposed to be in deferment still and got an email that they would process my request. In XX/XX/XXXX I saw that XXXX took over my loans with American Education Services and checked my credit report to find a bad credit write-off from AES. I tried to get them to remove the bad credit off my credit report when contacting them XX/XX/XXXX but nothing was done. I sent them proof that I had sent documentation and request for deferment and again they just said they received my information and still have done nothing to resolve this.
Product: Checking or savings account

On XX/XX/year> I went to an atm around XXXX and deposited {$760.00} the atm only added {$140.00} from my total amount and I didnt see the mistake until after I hit confirm on the atm. so I immediately called the bank and filed a claim which has taken a month to finally be denied by the bank my money was taken by the machine and Im being denied my money
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXXXXXX - XX/XX/2024 - {$330.00} - XXXX XXXXXXXX XXXX XXXX - XX/XX/2024 - {$2500.00} - XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

MONEYGRAM FAILED TO FURNISH FORMS REQUIRED TO PULL MY WIRE TRANSFER HISTORY FOR ALL DOMESTIC AND INTERNATIONAL WIRE TRANSFERS FROM XX/XX/XXXX TO XX/XX/XXXX.
Product: Debt collection

I contacted XXXX XXXX XXXX to get a written statement of debt so I could pay it off. The debt was a result of a real estate short sale in XX/XX/XXXX. The HUD agreement was {$5000.00} to include an initial payment of {$2000.00} at closing from the bank and I would make 71 payments of {$49.00}. 
Resurgent Mortgage sold their debt to XXXX XXXX XXXX in XX/XX/XXXX. At this time, it seems they failed to include important information regarding their agreement with me and the terms of the settlement. 
I contacted XXXX XX/XX/XXXX. My intention was to pay off the debt. According to my calculations, I should only owe around {$1000.00}. 
I was told that I owed over {$17000.00}. I explained the situation, even sending them the original Settlement statement and 2 years of bank statements showing payment history. 
For the last 3 months I have been calling and attempting to get a settlement statement. I talk to someone different each time and they assure me that I will receive the amount in 5 days. The last call was made on XXXX XXXX, XXXX and the CS agent told me my balance was {$960.00}. 
Today is XXXX XXXX which is 9 business days from the last request. The " new '' person I talked to began with the same amount due of {$17000.00}. When he finally looked at the note from XXXX/XXXX/XXXX, he told me that nothing had been done around my request for a settlement statement. At that point, I asked to be transferred to a supervisor.
Product: Credit card

I was scammed by a scammer on XXXX whereby he told me to buy XXXX gift cards then XXXX shall reimburse me XXXX  times as much I spent on XXXX gift cards and I was scammed I asked my financial institution BofA and XXXX XXXX to reverse charges made on my cards to buy XXXX gift cards they refused to reverse charges and XXXX co also refuses to refund my money and I made complaints to fbi ftc as well. Still not get refund for my XXXX gift cards purchase?
Product: Vehicle loan or lease

On XXXX XXXX, 2017, Ally Bank executive customer relations XXXX XXXX stated her company adjusted my account {$630.00} in compliance with the settlement entered by Ally Financial , Inc., the Consumer Financial Protection Bureau ( CFPB ), and the U.S Department of Justice ( DOJ ) by subtracting it from my original agreement for the purchase in accordance with section 2 ( e ) of the contract signed. However, section 2 ( e ) describes Our right to purchase required insurance if you fail to keep the vehicle insured ( see attached ) nowhere in the section referenced is the statement ( in part ) you agreed that we may subtract any refund from what you owe. I believe Ally is confused with the difference between settlement and credit. The definition of legal settlement In law, a settlement is a resolution between disputing parties about a legal case, reach either before or after court action begins. The term settlement also has other meanings in the context of law. The definition of credit verb add ( an amount of money ) to an account Therefore I am requesting Ally show documented proof that they have the authorization to disperse settlement funds by subtracting it from the original loan agreement, and proof the funds were applied to the account by a copy of the loan activity record. If no credible justification can be provided a check in the amount of {$630.00} be sent in my name to my home address.
Product: Checking or savings account

I had XXXX XXXX  in fraudulent charges on my account. It overdrafts and I haven't been able to work since, I own a small plumbing business and can't work, get gas or even groceries for my XXXX kids. I could lose EVERYTHING OVER THIS. KEY BANK won't help at all and says it could take 90 days to get tge funds returned. I need HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I have disputed a few items on my report as errors and asked the major XXXX credit bureaus to take a look into the matter and correct their error. Transunion LLC XXXX and XXXX. None of which these companies corrected their errors.
Product: Credit card or prepaid card

I've been trying to close my Chase XXXX XXXX XXXX card and the company will not let me. They have me in " customer support '' XXXX endlessly routing me between different people. I believe this is a deliberate attempt to precent me from closing my account so they can continue charging me fees.
Product: Credit reporting or other personal consumer reports

This account visions Fcu, that is reporting on my credit report should not be reporting. This account has been paid in full. Below is the documentation showing that it was paid in full. And it's still recording on my credit report as a negative item. The Account number is XXXX this account is violating. My consumer rights is causing me a big detrimental to my financial life
Product: Bank account or service

I opened an account. My account was in good standing. I receive XXXX checks from my children 's father XXXX was for a fee to pay for my sons school and the other was for a child support payment. I deposited the checks. I was later notified that the account was closed. I I looked on the XXXX and it says fraud activity. My career would be affected with this being on my report also it stops me from getting myself further established. I 'm not sure why this was the course of action taken. I would like this removed because I want to establish a relationship with Bank of America.
Product: Credit reporting or other personal consumer reports

Credit Acceptance has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to correct or remove inaccurate information from my credit report. Despite multiple disputes, they continue to report my co-signed account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) as an individual account, which is false and misleading. 

This ongoing inaccurate reporting violates : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) : Obligation to ensure accurate reporting.

15 U.S. Code 1681i : Requirement to investigate and correct errors.

15 U.S. Code 1681e ( b ) : Duty to maintain maximum possible accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX 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 handwritten instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.

Who is going to govern these agencies?

By 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 - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX  DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX  DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, Experian, and XXXX have 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 or 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 data is inaccurate.
Product: Money transfer, virtual currency, or money service

I posted my timeshare week of XX/XX/20 - XX/XX/20 on XXXX for my XXXX XXXX XXXX XXXX XXXX for {$2300.00}, and specified " no refund for cancellation ''. On XX/XX/20 I rented to XXXX XXXX and she used Paypal to pay for rent at {$1900.00}, Around 1 week before check-in day ( XX/XX/20 ), she wanted to cancel the vacation and asked refund of {$1900.00}, I told her that there is no refund, because XXXX didn't close the resort, and I didn't stop her taking the vacation, according to Federal law, if she cancelled it, then she can not get the refund even it's beause of COVID19, According to Paypal that she filed an " unauthorized transaction '' with her bank ( or credit card ), so Paypal put an - {$1900.00} on my Paypal account without hearing my side of the story. I tried every way possible with Paypal ( online chat, message, emails, ... ) to resolve this matter to no avil, The money matter is between Paypal and my renter XXXX XXXX 's bank which I have no idea who that is, and I can't talk to her bank. So I desperately need your help to solve this problem, Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXBalance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

This account XXXX XXXX  Account number XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Mortgage

i have been trying to contact company on my lunch break to talk to some one and im put on hold or just rings and or cuts off and hangs up. my lunch break is only 30mins and after that i cant be on the phone for personal calls after. so no success in reaching them. ive reach out to a realtor on XXXX to give her authorization to speak to the bank on behalf and they have yet to respond to the authorization form. she has contracted them daily, multiple times a day and also has been put on hold or disconnected on. time is of the essence cause i have a auction date of XXXX im behind due to lost of job during covid and present job i took a substantial paycut.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will. 
investigate these items for me to ensure accuracy. 

XXXX XXXX amount owed {$990.00}. 
# XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit card or prepaid card

Placed an order with XXXX using my Chase Freedom card. Both items in the order did not arrive to me and tracking shows that one item was never picked up by XXXX and the other tracking shows that the item was returned to sender. 

Chase closed the dispute as in the sellers ( XXXX ) favor, despite both of the tracking numbers very clearly showing that neither of the two items in the order were delivered to me. How such a gross overlook of common information is allowed I dont understand - but the dispute department at Chase isnt even reachable over the weekends which is frustrating as I cant even reach someone on phone who can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally dispute a collection account that has been reported on my credit file by Experian ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ) which I believe to be the result of identity theft. The account ( s ) in question, were opened and used without my authorization, and I request its immediate removal from my credit report in accordance with federal law.

As a victim of identity theft, I have never opened or authorized this account, nor have I had any dealings with the collection agency reporting it. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681c-2, I have the right to have fraudulent information resulting from identity theft blocked from my credit report. This statute provides protection for consumers in situations where identity theft results in incorrect or unauthorized accounts appearing on credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that this credit bureau immediately investigate and remove the aforementioned fraudulent collection account in accordance with 15 U.S.C.1681i ( a ), which requires the prompt removal or correction of inaccurate information. Failure to comply with this statutory obligation could expose the credit bureau to liability under FCRA, 15 U.S.C.1681n, for willful noncompliance, and 15 U.S.C . 1681o, for negligent noncompliance, which entitles victims to damages.

I expect to receive written confirmation within 30 days that this investigation has been completed, and the fraudulent account has been permanently deleted from my credit report. Thank you for your prompt attention to this serious matter. 

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

I was never late on this card. The company had double charged and during the debate and waiting for them to give me correct information they went ahead and put in not one but two late  payments this was a nightmare I had talked to several agents all saying something different .Finally we found I owed a small amount I had been told I did not I paid immediately paid off account and then closed the account for bad customer service. I asked them to remove this but they have ignored me now resulting in a bad report on my credit
Product: Debt collection

Per credit report from XXXX dated XX/XX/18. Grant Mercantile Agency has opened ( 3 ) Collection accounts on my credit, each in the amount of {$3300.00} ( all duplicate ) for a total of {$9900.00}. This is either an error or fraudulent activity by Grant Mercantile Agency. I will authorize 30 days to Grant Mercantile to correct the error. If not corrected by XX/XX/18 a lawsuit will be filed against Grant Mercantile Agency for all damages incurred for this error and/or fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Fraud Department : Remove fraudulent accounts from my credit report
Product: Credit reporting

I worked on my credit report. I had collection deleted from my TransUnion, XXXX And XXXX. I had XXXX collections that was removed and deleted. But the credit agencies reinserted them again.Pursuant to sub paragraph ( A ) the information may not be reinserted in the by the consumer reporting agency. Unless the person who furnishes the information is complete and accurate. Notice to Consumer, If and any information that has deleted from a consumer file pursuant to subpar graph A is reinserted in the file the consumer of reporting agency shall notify the consumer of the reinsertion in writing No later than ( 5 ) business day after the reverting or if authorized by the consumer for that purpose, By any other means available to the agency. I was n't provided in writing about the reinsertion..