23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was in a pub during the night a charge was made. I opened a tab with the bar. I went to close the account for the night and while walking out I was assaulted on a unprovoked action. This was an employee that was drinking on the job. The police were called and a report was made. I disputed the charges for the services rendered because I did not pay to be assaulted for no reason while walking out the door. I put a dispute in on the day it posted to my account and the charge was never investigated while I informed the customer service rep I had a police report and I would also be filing a complaint with the liquor authority because the door man is not suppose to be drinking while on the job and I should not have been assaulted for unprovoked reasons. The dispute was closed and my money was not credited. I requested a reinvestigation and to provide the details of the investigation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$700.00}
Product: Credit reporting or other personal consumer reports

I'm writing to complaint to CREDENCE RESOURCE MANA about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I go by XXXX XXXX XXXX. My birthdate is XXXX I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Product: Credit card

I am XXXX XXXX military, residing in Louisiana. I am requesting that my account be reviewed under Louisiana Servicemember Civil Relief Act law. I request that my interest rates be lowered to 4 % as per the statute. Along with that I am seeking reimbursement for all paid interest fees for the duration of the account that exceeded the 4 % interest rate outlined in Louisiana SCRA laws. I have attached a copy of my military orders, along with my residential lease as proof of residency in the state of Louisiana.
Product: Mortgage

Good Day : I am experiencing hardship and my mortgage is upside down. I solicited help through HOPE and was connected to XXXX. Who assisted me with my application with Citimortage for a loan modification. My application was sent XX/XX/2015. We were assigned an agent who we found to be very disrespectful of our time. Both the counselor from XXXX and myself were extremely disappointed and filed a complaint with a CitiMortgage supervisor. After our complaint were reviewed, I was assigned to another agent. 

I find that CitiMortage makes it difficult to speak with agents and deliberately makes the process daunting. Also, agents do not keep their appointments which makes the process very difficult. 
After calculating my expenses etc and going over my present hardship. XXXX agreed that I qualified for the Making Home Affordable Program. And suggested what my mortgage will be reduced too to assist me. 

Due to the fact that my XXXX counselor is on the XXXX XXXX and I am on XXXX. We scheduled specific times to speak with the representatives at CitiMortage, who made the process very difficult. 
When, I finally got my application in. The process became very confusing and I felt that either the process is discriminating, or CitiMortgage designs the process to frustrate its borrowers. 
I received a document form Citimortage on XXXX XXXX. Stating that I will receive information concerning my Making Home Affordable Modification Program, Payment Trial Payment Plan. The letter stated that once I met the terms of XXXX XXXX. My loan XXXX be permanently modified. 
After this letter I continued to received other notices that did not make sense. 

I called my agent at XXXX, she explained that the letter usually proceed with your offer. 
Weeks went by and I continued to receive baffling notices. I took time off for my work to call CitiMortgage and no one can confirm that I had received this letter. But they continued to asked me to send more information. 
When I finally spoke to my representative, XXXX XXXX, she finally stated that I should not have received the letter. 
At this point I was exhausted with the process and so was my agent at XXXX who was assisting me. 
However, after speaking to XXXX XXXX, I continued to received notice upon notice from CitiMorgage stating that I have been assigned to a new representative to assist me .... 
Frankly, I have never been so confused about a process and I question a big company like CitiMortgage motives. Once again I am not sure what to think of CitiMortage 's process. 
Please assist me in keep my home and providing me with an affordable mortgage. I am a good customer. 
Thank you XXXX XXXX XXXX
Product: Debt collection

They called me, my grandmother and my uncle. They threatened my uncle and cussed him out. They told me that they would put a writz on my business, come up to my job, and persecute me to the highest level of the law. They were very rude and disrespectful.
Product: Credit card or prepaid card

There are charges from XXXX and XXXX on my genesis card services account from XXXX totalling over XXXX. I have contacted both XXXX  and genesis several times and Noone seems to know what's going on. Im told I will receive a call and never get one. Mean time I'm paying XXXX a month when I should only be paying XXXX and it's affecting my credit score because of how high my income to debt ratio is higher. I don't know what else to do Noone is helping me resolve this issue that's been going on for months. Old card these charges are on is XXXX. A new account number has been issued since which is XXXX
Product: Credit reporting or other personal consumer reports

My XXXX loans were discharged over 50 days ago and TransUnion is the only company that has not taken this off my credit report
Product: Credit reporting or other personal consumer reports

I recently received my credit report and notied an account was not reporting accurately. It shows that I have had a late payment on my account when in pact this had been paid on time. The consumer reporting agencies need to reportall information with completeaccuracy this account has not been late on payments i've attached a copy of my report to this complaint. I am not requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified and provided, I demand these payments be updated to paid on time immediatedly. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Dear To Whom may concern, I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : 1. Validation of the debt that is the actual accounting.

2. Verification of their claim against you : that is, a signed Invoice.

3. A copy of the contract binding between me and you in a letter by certified mail.

4. Full disclosure because I was not told that I was creating the credit with my wet ink signature.

5. Equal consideration because you as the creditor brought nothing of value to the table.

6. Lawful Terms and Conditions.

7. Wet ink signatures between you and me.

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Thank you for your attention to this matter.
Product: Debt collection

I am writing to you to make a formal complaint about my experience with Ulta Beauty. I believe that my consumer rights have been violated, and I am seeking a resolution to my problem. 

First and foremost, I would like to address the consumer laws and codes of banking that are in place to protect us from credit card debt. As a consumer, I have the right to fair and transparent terms when it comes to credit card accounts. I feel that Ulta Beauty has not provided me with this level of transparency and fairness. 

Additionally, I am currently not working due to medical issues and have been struggling to keep up with my credit card payments. Despite my efforts to make payments, I have been hit with high interest rates on my closed credit card account, which has only added to my financial struggles.
Product: Checking or savings account

From XXXX XXXX well Fargo opened accounts with out my knowledge and it's been a nightmare
Product: Credit reporting or other personal consumer reports

I have an account with XXXX that is no longer open. 
This account closed in XX/XX/year> when I filed XXXX XXXX Bankruptcy. This account was paid in full as of XX/XX/year>, yet the company is reporting " Debt discharged in bankruptcy/Never late ''. 
This account should state that the account is Paid In Full/Never Late. 

I have an account with Chase JP Morgan that is no longer open. 
This account was closed in XX/XX/year> when I filed XXXX XXXX Bankruptcy. This account was paid in full as of XX/XX/year>. The bankruptcy was filed XX/XX/year>. Chase has corrected this information on XXXX only. This account is Paid In Full/Never Late. 

Both of these accounts are reporting as Negative on my credit report. Both of these accounts were paid in full, and their reporting is inaccurate. Neither of these accounts were included in the XXXX  XXXX Bankruptcy court filing. They are not listed on the court documents. There is no debt to pay or be discharged. This almost seems fraudulent on their end to claim writing off debt that did not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Experian / XXXX XXXX XXXX XXXX XXXX, TX XXXX To Experian Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX because of multiple inaccuracies. 1. In the Open Date sections of this listing. XXXX is reporting XX/XX/XXXX for the date this account was opened. However, Experian and XXXX is reporting that it was open on XX/XX/XXXX. These dates are inconsistent. 2.  In the Account Status sections of this listing. XXXX is reporting that it is a closed account. However, Experian and XXXX is reporting that this account is Open. How can this be inconsistent? Please Delete! 

I understand that any inaccuracy reporting on an account makes the entire account invalid and must be deleted. Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :XXXX
Product: Checking or savings account

On XX/XX/2022, I woke up to several notifications from my bank. I didnt think anything of it due to the fact of me always having different notifications every morning I wake up. I also was getting a direct deposit in my account as well so that added to me not paying attention. When I finally went to go and see what the notifications were about I noticed two or three unfamiliar charges on my card. I immediately went to go and see if I had fell asleep with my cards unlocked and I did. Anybody that knows me knows that I use apple pay or tap wherever I go and where its offered. These new machines they have nowadays allow people to go behind you and pick up all of your information on your virtual and physical cards and thats exactly what happened to me. Before I disputed anything I went and did some digging myself just so I could have my thoughts and such straight just in case they needed a bunch of information from me. The charges were from a company called XXXX ( {$38.00} & {$0.00} ) and something called The XXXX XXXX  ( {$20.00} ). Minutes later my card started declining because I had nothing left for them to spend. For starters, XXXX is based in XXXX XXXX. I couldnt contact anybody to let them know anything because my phone doesnt dial out that far. Then I went digging for The XXXX XXXX.but I couldnt find anything because I didnt know there was such a thing? These both were online charges and they were done late at night when I was sleeping. I would say between the hours of XXXX. I showed all of this proof to representatives that work for my bank and they did nothing. They werent being fully understanding..The reasoning behind me not getting my money back was because they found no fraudulent activity and because my balance was low? Of course my balance was low. They took XXXX dollars from me and of course the fraudulent activity didnt pop up because this was done online? I emailed and chatted and even tried calling them. Their entire company is all over the place and I feel as though theyve given me the run around with this situation. Today makes a full month of this investigation not being resolved and XXXX is coming up. I need all of my hard earned money.
Product: Money transfer, virtual currency, or money service

Need link my account with cash app and XXXX is preventing me from doing so
Product: Credit card

I decided to close this account due to the poor practices of the company in XX/XX/year>. I was advised I would receive the total credit line reimbursement by check within XXXX weeks. Not only have I not received the check, when I contacted the company I was advised I would have to wait an additional XXXX weeks and if I do not get the check by then to call back and potentially have to wait another XXXX weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX Balance : {$0.00} XXXX Balance : {$410.00} XXXX XXXXXXXX : {$3600.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX NJ, XXXX XXXX 15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Inquiries to be deleted listed below : XXXX XXXX Account Open Date : XX/XX/XXXX XXXXXXXX Account XXXX Date : XX/XX/ XXXX XXXX XXXX Account Open Date : XXXX XXXX XXXX XXXXXXXX
Product: Credit card

i have a bank of america credit card account .i have never been late on my payments .my due date is the XXXX of each month.last month was the XXXX my bank was closed so i could not make the payment until the XXXX iwas charged a late fee of XXXX dollars.they told me that i had to pay the late fee no matter what
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate item on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). The account referenced above is reported as charged off, yet it also shows an outstanding balance. This reporting is both inconsistent and potentially misleading. 

According to standard accounting practices and regulatory guidance, when an account is charged off, the creditor has written off the balance as a loss. Reporting both a charge-off and an outstanding balance is improper, as the debt is no longer active on their books. This error adversely affects my credit standing and must be corrected immediately. 

To support my claim, I am requesting the following : 1. Verification of the balance being reported.

2. Evidence that the creditor has retained the right to report a balance on this charged-off account.

If you are unable to verify the accuracy of this account or the reported balance, I demand that this account either be updated to reflect a {$0.00} balance or removed entirely from my credit report. 

I have enclosed documentation relevant to this dispute : [ Include any receipts, account statements, or correspondence related to the charge-off or balance dispute. ] As required by law, you have 30 days to investigate and resolve this dispute. Please confirm receipt of this letter and provide written documentation of your findings once the investigation is complete. 

Failure to resolve this matter promptly will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action to protect my credit rights. 

I expect your swift attention to this matter. Thank you for your cooperation.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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: Student loan

I agreed to a payment plan with FH Cann and Associates.  After my first 2 payments were charged, I had to get a replacement bank card, which has a new number. 

For 17 days ( XX/XX/XXXX until XX/XX/XXXX ) of trying to reach FH Cann in order to notify them of my new account and update my payment information, I was unable to reach anyone at the company. They do not respond to emails. Their phone numbers typically go unanswered. 

One of their two publicly posted phone numbers simply cycles its introductory message with the notice that they are a debt collector, over and over, and does not allow the caller to speak to a live person, leave a voicemail, enter an employee 's extension, nor " press buttons for more options. '' There was no way to reach anyone at FH Cann in order to update my payment method on time, so my automated charge did not go through on my payment date. 

On XX/XX/XXXX I was finally able to reach a person via phone and resolved the immediate issue. However I still want to register a complaint about this, because it is terrible that we can not reliably reach this company to update our payment information or make arrangements.
Product: Credit card

This is my THIRD complaint to CFPB after the merchant agreed to withdraw the charges, it continues to pursue collection through a collection agency. Please refer to Case numbers XXXX and XXXX. None of the charges represent charges for products or service. All of the charges by FleetCor are for account servicing or late fees on unpaid account servicing when the card was not used. As noted in my prior complaint ( which included a credit account statement and closing letter ), I just want my account closed and do not ever want to hear from these miscreants again. They continue to increase the bill on my account although there were never services or products purchased with their credit cards. The credit cards sat in a desk. I am refusing to pay fees and charges for account servicing or late fees. I want their collection letters to stop. I owe them nothing. 

As noted in
Product: Prepaid card

I made 3 phone calls to Vanilla Gift Card after my card was declined at a XXXXXXXX Texas merchant. The card was purchased on XXXX, XXXX at XXXX XXXX They informed me that on XXXX XXXX, XXXX at XXXXXXXX XXXX charges we made for XXXX and XXXX, leaving XXXX XXXX  as a balance. The unauthorized merchant was XXXX XXXX XXXX - XXXX XXXX, XXXX, XXXX for XXXX. According to my conversation this merchant is on the XXXX XXXX, while I live in XXXX, TX, XXXX. 
I made many calls to Vanilla Card and given incorrect information on how to handle my issue. Finally, I received an email containing authorization for them to assign a case number, XXXX on XX/XX/XXXX. I have sent 6 requests for updates on my case with no response. When I received my dispute information there is a specific email address they requested be used for updates and correspondence during the investigation. I have sent several requests for updates to " XXXX '', but with no response. When I call the phone number, it goes to a foreign call center and I am told that the investigation shows, " pending ''. I kept the outside packaging for the card and card itself along with the informational insert. 
The card information is as follows : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. 
Code at bottom of card XXXX. 
It appears as though they have no intention of refunding my money, due to the timeframe and lack of communication with me. 
Please assist me with resolving this issue Thanks you. 
XXXX XXXX XXXX XXXX XXXX