23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The bank was requesting a net value of XXXX we had an offer for XXXX ( eventually they went up to XXXX ) The bank did another appraisal and did a net of XXXX which would probably be a XXXX sales price to cover all expenses. They refused the XXXX but today the house went foreclosure and sold for XXXX which makes no sense. I had difficulty with this bank before and they do not work the client and I just want to make you aware of this. They also changed the locks on the property while my client was still there and did n't even advise him.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Account : 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
Product: Credit card or prepaid card

I have a Citi Aadvantage Mastercard ending in XXXX. I dont actively use the card and I received an annual fee of {$99.00} in XX/XX/XXXX. The payment was due on XX/XX/XXXX and I remember making the payment on due date but it posted on XX/XX/XXXX. While the statement didnt close until XX/XX/XXXX, Citi charged me {$30.00} late fees and finance charge of {$1.00}. I had no idea that this late fee and finance charges were on my account. Then in XXXX I received another late fee and finance charge. Now I had a balance of {$63.00}, all made up of just late fees and finance charges that were initiated by a payment made on time but posted a day late. I only noticed because I was just checking my accounts online and saw that my account is past due. 
I called Citi because my main concern is being reported to the credit bureau. The customer service agent said he could only waive 1 late fees and I need to check with credit bureaus if this account was reported late. 

I just made the payment of {$63.00} but am writing this complaint because I feel this was unfair to be charged late fees and finance charges for an annual fee on a card I dont use. Yes, I should have canceled the card if Im not using but the flip side is that Citi should also have been a bit customer friendly and waive these late fees and finance charges that originated because a payment was posted a day late.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I sold a camera for {$1200.00} and the buyer paid with Venmo. I received the money in my account, and so provided the buyer with the camera. After dropping off the camera, the buyer then paid me a second time ( {$1200.00} again ). The buyer claimed it was an accident and I was immediately suspicious of a scam. I contacted Venmo via their online chat help system immediately ( See attached documents for the transcript ). Eventually, after the Venmo customer service agent confirmed that the funds came from the " same funding source '' and also said " if they stole the card, they will not be able to add it on their account without verifying it and providing the correct details '' I agreed to return the 2nd payment of {$1200.00} by reversing the payment. I expressed my sincere concern that the transaction was a scam, and received no action or investigation from Venmo on XX/XX/2023 ( See transcript ). On XX/XX/2023, Venmo informed me that my account balance in my Venmo account was now $ XXXX ( negative ) because " You didn't have enough money to cover some of your recent transactions. '' The " recent transaction '' was Venmo reversing the initial {$1200.00} without my authorization. Ultimately, I understand that the buyer was not at fault. It was Venmo 's security protocols that were at fault. I will attach all correspondence with Venmo to this complaint. Thank you for your time!
Product: Credit card

I called all three hard hits that were fraudulently opened or tried to be open in my name on XX/XX/XXXX to have them stopped and the three hard hits on my credit to be removed. I was told by Ally Platinum Mastercard and XXXX XXXX  that there was nothing they could do to help me until the application was completed. Im to call back in a month. XXXX XXXX said they would put a fraud claim in and will contact me by email with further information. I have not heard back from them yet.
Product: Checking or savings account

XX/XX/XXXXXXXX XXXX Amount {$300.00} Dispute filed XX/XX/XXXX XXXX Amount {$270.00} Dispute Filed XX/XX/XXXX XXXX Amount {$280.00} Dispute filed XX/XX/XXXXXXXX XXXX Amount {$310.00} Dispute filed
Product: Bank account or service

BB & T has illegally charged my account ( XXXX ) {$210.00} over a period of five ( 5 ) months. As you will see in the attached supporting documents the charges are listed as Misceallanous Debit inwhich I had these accounts for 12 months and I without being notified I noticed these charges from {$9.00} to {$12.00} in XXXX of 2016 I contacted the bank customer services who informed me that they could not do anything but credit me {$35.00} that I 'd have to speak with someone at the branch I opened the account at. 
In fact I did and waited almost 2 months for a branch manager to phone me back and as of today not one has contacted me. 
I spoke back to customer service today again who said only that branch could help me. So as you see my last result was here
Product: Debt collection

I was called by a representative of Transfinancial Companies ( I know this because I reverse-searched the number that called me ) on the cellphone that I use for work during my office hours. The representative refused to self-identify, asking me to provide personal information without providing a basis for doing so. The dialogue was approximately as follows : Rep : Hello is this XXXX XXXX? 
Me : Hi, who is calling? 
Rep : No, is this XXXX XXXX? 
Me : I'm sorry, who is calling? and what company are you calling from? 
Rep : NO. Is this XXXX XXXX or not? 
Me : Ma'am, you are required to self-identify your name and company. Who is calling and what company are you calling from? 
XXXX : NO -- At that point, the rep hung up on me. This was during my work day, and it caused considerable distress to have such a forceful and rude call starting my morning at XXXX XXXX  in my office. It is unreasonable to call during workhours, and causing anxiety by asking for personal information without identifying cause or person is also unreasonable. 

I have contacted their employer and asked for the name and other applicable identifying information that could be used to track the call.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for and purpose. 

Collection company : XXXX XXXX XXXX XXXX XXXXStop running my credit report!! this is a violation of identity theft. Stop illegally reporting! Cease and desist any further communication towards me and any third party company and credit agencies. Last final attempt! XXXX
Product: Credit reporting or other personal consumer reports

Equifax and Experian are both still reporting a collections account with a balance of {$2100.00} by XXXX XXXX XXXX XXXX. This account was paid and has a XXXX XXXX balance, I even verified with XXXX XXXX that the account does not have a balance and that a request to have it deleted was made, however only XXXX has done so. Equifax and Experian refuse to delete it and are reporting incorrect information.
Product: Credit card or prepaid card

On XX/XX/2019 my card was charged 4X the amount approved for a purchase. I immediately contacted the selling company and cancelled my order PRIOR to the charge posting to my account. The next day I saw the pending charge for 4 times the actual amount. I immediately contacted American Express serve and was told they couldn't do anything until it posted. The next day I contacted them and told them it was a fraudulent charge and I was unable to receive a response from the merchant. They weren't answering the phone or fb messages or emails. I have 5 emails of proof that I cancelled this order immediately I have NEVER received any product and amex REFUSES to credit my account. As a XXXX   XXXX {$92.00} goes a LONG ways to feed my kids. Amex serve has done MANY other sketchy things with regards to holding funds that weren't theirs .... holding direct deposits etc. I want my money refunded and this account CLOSED immediately.
Product: Checking or savings account

Who can claim compensation? Anyone who has a Bank of America consumer checking and/or savings account and incurred repeated fees as described on the class action settlement website can claim part of the settlement funds, provided that the transactions occurred between XX/XX/XXXX and XX/XX/XXXX. 

I am a member of the class action suit where I did have an account during the identified period. Thus, fraudulent activity conducted by Bank of America was perpetrated on me with regards to the account listed below. 

I paid Bank of America all the fees and restitutions that were requested of me back in XX/XX/XXXX before knowing that Bank of America had fraudulently charged me fees on my account. 

I am simply requesting that this account be removed from XXXX XXXX and XXXX XXXX XXXX as soon as possible. I am a victim of fraud at the hands of Bank of America and also a victim of the XXXX XXXX XXXX. This is causing me harm and preventing me from opening another bank account. 

Bank of America claims my account had " FRAUD ACTIVITY '' just as " FRAUD ACTIVITY '' by Bank of America on me. Change account status to " CLOSE '' with no fraud or remove the data from XXXX XXXX XXXX and XXXX XXXX. 

Account ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had prepaid cards to build nothing less not more had a split account once but was removed have had felens that could matter need help then please
Product: Debt collection

I paid off the debt and they have not reported it to the credit bureaus and have not removed the accounts in full like 7 other accounts that i paid off on the same day.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to XXXX y experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX and there is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX and XXXX to REMOVE inaccurate information and fraudulent reporting from my credit profile. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information no later than 4 business days. Collections Account # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Date Reporting : XX/XX/XXXX XXXX According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to a car dealership and purcase a car in my business name only with my tax ein number i have good business credit the dealer told me that they will not use my social number to buy but four verification only so it was done i got my company car in my company name one month later i check my credit report and had alot of inquiries i did not authorize { 1 } XXXX XXXX { 2 } XXXX XXXX { 3 } XXXX XXXX XXXX  { 4 } bank of america { 5 } 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 and Account # XXXX XXXXXXXX XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account or transaction information without my written instructions 15 U.S.C. 1681a Section 2 ) Exclusions from a credit report - the consumer report does not include - ( A ) ( i ) reporting of information solely as to transactions ( payments ) or experiences between the consumer ( me ) and the person making the report.

15 U.S.C 1681a ( d ) 1 - It also states that a consumer reporting agency can not communicate any information that determines a consumer 's credit worthiness or credit standing when it comes to be used in determining a consumer 's eligibility when applying for credit for personal purposes
Product: Debt collection

I XXXX XXXX XXXX, entered into a consumer credit transaction with CCM Finance LLC on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. XXXX usc XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CCM Finance LLC took cash. The finance charge is suppose to include insurance, but CCM Finance LLC made me purchase insurance separately. 15 USC 1692 ( a ) .states, Abusive debt collection practices contributed to the invasions of individual privacy, CCM FINANCE LLC willfully gave and willfully admitted to giving my information to a illegal third party, XXXX XXXXXXXX XXXX XXXXXXXX, who wasn't a witness to the agreement, and also I never made any agreements with nor contract with, my personal information to find my location, which is an invasion of my privacy and sensitive information, to come and steal my vehicle which is theft. CCM FINANCE LLC is in violation 15 USC 1611. CCM FINANCE LLC willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civily and criminally liable.
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. 
Credit collection Service : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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: 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 Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$4700.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$870.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX  XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Credit acceptance corporation and XXXX XXXX XXXX XXXX  attempt to contact last time on XX/XX/24 to request original debt contract and to state that it has been over 10 years since the debt occurred and have delt with negative credit hardship for 10 years now with a repossession on credit even though the truck was supposed to be a cash sale and owned clear. Dealer ship closed and when I was incarcerated this credit company repossessed this truck illegally as the truck had been paid for and when I was released I tried to get the truck back and was told I couldn't do anything as the truck was sold at auction for the amount owed and now years later they have served a notice to seize the property and garnish my wages to my place of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sallie Mae has incorrectly marked payments I made on time, as past due. They admitted their mistakes weeks ago and said it would be rectified come the next billing period, which it has not. As a result, my credit score has severely suffered. When I call Sallie Mae, they consistently transfer me to different people where I have to start from the beginning and explain my situation once again. I have requested tangible confirmation through email or USPS and they have refused each time. They tell me they will fix the situation by a certain date and then nothing is done and I have to start all over. It has been going on for months. I am at the will of their collection agents. I have made my payments consistently even in extreme financial hardships. They refuse to let me make payments based on my financial expenses and income and XXXX me with interest. At this point I just don't now what to do. I spend hours calling them each day and get no where. They disconnect my calls and I can never find my way back to the same agent. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have a few address on my file that are not accurate. I never lived at XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX  XXXX. My DOB is XXXX My SS # XXXX please remove any variations of my name they are not accurate.