23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A few months ago I discovered an unauthorized charge on my credit card statement for {$240.00}. I contacted the merchant regarding that charge, but unfortunately they ca n't explain or provide any explanation about it. I never gave authorization for this charge. So I went ahead and opened a dispute with my bank. Merchant sent to the bank fake receipts. Prices are higher than we agreed, and other services that I did not authorize. I wrote a letter to the bank with my explain the situation. Nevertheless, the bank charge me whole sum and advised me to solve the problem with the merchant. What can I do if a merchant is dishonest and deliberately charge me the extra money? I 'm not authorized these services and I did not sign anything. Please refund me my money.
Product: Credit card or prepaid card

My XXXX XXXX debit card had unauthorized charges on it that I didn't realize until I went to use it for a hotel on a out of town trip and had a issue using the card. I went to check my transactions and saw multiple {$5.00} charges going back to XXXX XXXX to XXXX XXXX for XXXX XXXX and a few from XXXX which were around XXXX dollars. I reported it right away on XXXX XXXX and XXXX XXXX  closed that account and issued me a new card. After there investigation they say shows no fraud and I will not be credited {$360.00} is what the total amount was. I told Adp that I am not a XXXX XXXX  subscriber or XXXX and I do not use those services. They recovered some funds back from XXXX but are saying the XXXX charges is not Fraud! I would like to know who did this investigation and how to get my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$6800.00}, {$3.00}, {$4100.00}, {$8200.00}, {$210.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX  DELAWARE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$210.00} -This is not my account.
Product: Vehicle loan or lease

My loan for my car payment is showing a past due amount of {$590.00}. I made a payment of {$220.00} on XX/XX/23 and this payment should be applied for half of the payment for the month of XXXX. I should not be past due of {$440.00} for the month of XXXX. These funds were not applied to the account correctly. I have reached out to the customer service dept several times regarding this issue, and nothing have been resolved. I talk to a supervisor XXXX ID # : XXXX ( Customer Solution Team ) on XX/XX/23 and was told my payment that was made will be allocated correctly and was waiting for payment to clear. I also was told from supervisor XXXX that she was advised from the payment research dept that nothing needed to be done and everything will be applied correctly. So, as of now my account is still not correct at all. I have been having the worst experience with Ally Financial for many years. This company does not take the initiative to assist their customers about their issues nor to investigate the problem. Also, I was told I had two more payments remaining on the account and it still shows an outstanding balance of {$8800.00}. I would like for this issue to be escalated higher up to the CEO, because no one in customer service is not willing to assist.
Product: Debt collection

I am consistently receiving emails from Phillips & Cohen Associates, Ltd about a debt I do not owe. This company is also fraudulently claiming to be collecting this debt on behalf of XXXX XXXX  which I also do NOT owe any debt. Even if I did owe a debt ( in which I do NOT ) I'm well aware that specific laws prevent debt collectors from collecting more money than they initially paid for the alleged debt. This is fraud and deceiving by means of misrepresentation. I would like Phillips & Cohen Associates, Ltd to cease and desist all communication with me through any and all medium affective immediately. Indefinitely.
Product: Prepaid card

I received a letter in the mail from Bank of America prepaid EDD card stating that I had to call the service center to request my available balance remaining in my account the closed out and sent to me via check I spoke to the representatives over the phone with Bank of America I waited on the phone for over 2 hours for them to verify my identity and they still ask me to go down to the bank with two forms of ID which I have already done previously all I needed to do was call in to get my account closed my card has been locked since 2021 and I have not been able to access any funds I am an elder man in poor declining health I feel like they are trying to withhold my funds so I never received them before I pass away thank you for any help that you guys can provide
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, Pa XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Blocking and Removal of Fraudulent Accounts Under 15 U.S.C. 1681c-2 Dear Equifax, I am writing to formally dispute and request the removal of inaccurate and potentially fraudulent accounts from my consumer report under my rights outlined in 15 U.S.C. 1681c-2 ( c ) ( a ). Upon reviewing my credit report, I identified the following accounts, which I did not authorize and must be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX. 
Date Opened : XX/XX/XXXX Status : Paid, Closed 2. XXXX Account Number : XXXX. 
Date Opened : XX/XX/XXXX Status : Closed, {$1400.00} XXXX XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX. 
Date Opened : XX/XX/XXXX Status : Charged Off, {$200.00} Written Off, {$120.00} Past Due XXXX. XXXXXXXX XXXX  XXXX Account Number : XXXX. 
Date Opened : XX/XX/XXXX Status : Charged Off, {$980.00} Written Off, {$980.00} Past Due XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX. 
Date Opened : XX/XX/XXXX Status : Charged Off, {$440.00} Written Off, {$440.00} Past Due XXXX. XXXX Account Number : XXXX. 
Date Opened : XX/XX/XXXX Status : Paid in Settlement, {$6200.00} Written Off 7. XXXX XXXXXXXX XXXX Account Number : XXXX. 
Date Opened : XX/XX/XXXX Status : Paid, Closed XXXX. XXXX XXXX XXXX  Account XXXX : XXXX. 
Date Opened : XX/XX/XXXX Status : Charged Off, {$220.00} Written Off, {$220.00} Past Due XXXX. XXXX Account Number : XXXX. 
Date Opened : XX/XX/XXXX Status : Closed, {$650.00} XXXX XXXX XXXX. XXXX Account XXXX : XXXX. 
Date Opened : XX/XX/XXXX Status : Closed, {$690.00} Written Off Under the provisions of 15 U.S.C. 1681c-2, I request that Equifax immediately block and remove these accounts from my credit report. If these accounts can not be verified as accurate and authorized, they must be removed as required by federal law. 

To facilitate your investigation, I have included the following documents : 1. A copy of my government-issued ID for verification.

2. A completed FTC Identity Theft Report.

Please acknowledge receipt of this dispute and provide written confirmation once these accounts have been blocked or removed. I request your prompt attention to this matter and look forward to your response within the legally required timeframe. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX
Product: Student loan

I have these private student loans from a fraudulent for profit college. The loan documents say school name is unavailable and my graduation year is XXXX. I believe that these loans are fraudulent and invalid. I am asking for forgiveness on all of these fraudulent loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my account WO permission. Never asked to run been fighting 2 years. Please help removed. Called bureau soany times. No help
Product: Credit reporting, credit repair services, or other personal consumer reports

Around the end of XX/XX/XXXX, I was checking my credit report on XXXX XXXX and it stated that my chances of getting a XXXX XXXX Credit Card was fair. I went to XXXX XXXX website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX I received a confirmation email that my new XXXX XXXX Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with XXXX XXXX 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. XXXX XXXX should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.
Product: Checking or savings account

On XX/XX/2019 my bank account had some fraudulent charges on them due to someone making purchases at XXXX. I contacted the bank to dispute the charges and to get my money back. I was told that I would have the money refunded back on XX/XX/2019 and I would be receiving a new card. Instead when I checked my bank account I was overdrawn and had some overdraft fees. I then noticed that my account was still pending {$300.00} withdrawal but I had transferred {$300.00} into the account to cover any fees.
Product: Vehicle loan or lease

I have had a checking account with Navy Federeal Credit union for XXXX  Months. I have added a car loan and a credit card account. On XX/XX/2022 My app where I make payment for my vehicle, credit card payment was shut down. I am not able to make payments. 

On XX/XX/XXXX XXXX I immediately called customer service and assisted me with what documentation I needed to submit. ( Proof of Residfence- Car registration, proof of I.D- XXXX drivers license and was requested to submit Form XXXX. I submitted all mdocumentation and form XXXX. An email was sent to me once I submitted all documentation stating give Navy Federal 5 business days to process. Today is XX/XX/2022. 

I have called customer service 3 times and all reps confirmed I have submitted all documents needed. Every time I am transferred to security department, all 3 times no answer from security department and I am unable to leave a message. I would like to get this matter resolved before my car and credit card payment are due.
Product: Credit reporting or other personal consumer reports

Ive done a 1099 A on all accounts that is reported on my Credit Report to balance the books. XXXX, TransUnion, XXXX agencies have not updated my accounts, which theyre not doing their FUDICIARY DUTIES! This interference with Commerce title 18 Conspiracy. I have filed the proper documentation with the IRS that has been Approved and Accepted by them of all 1099 As which the IRS Treasury is the true bookkeeper in this matter. Along with filing the documents 3949A and 13909 ( forms for the Credit Unions ). This is defamation of character on my estate that they are trespassing. This is the CFPB ( Consumer Financial Protection Bureau ) your Fiduciary duties are to protect consumer by all means. I can send you all 1099s that have been accepted and approved by the IRS, if needed. It is the agencies duties to update these accounts immediately.
Product: Student loan

I had my accounts in deferment and then forbearance before refinancing them to XXXX XXXX then turned naviennt solutions reported to all credit bereaus that XX/XX/XXXX to XX/XX/XXXX my student loans were XXXX days late. For XXXX those do n't even equal XXXX days late and I was in forbearance and then deferment and then refinanced them to XXXX so nothing should be showing late on any of these student loans with XXXX which is now naviennt solutions. I want this fixed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX XXXX TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncomp
liance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX Enclosed : copy of ID
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts.Sunrise credit service {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company southwest funding is charging people in advance for rapid rescores. They are aware that this is illegal and are attempting to launder this koney by getting the fees paid via money order
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian why if my student loans are in good standing that debt to ratio goes up. I am in a work program that allows me to not pay because I work in a nonprofit but when my student loan reports it shows my interest rate which causes my debt to ration to go up. 

After asking this question and getting an answer my score drop with Experian XXXX points and it should have not. 

I have an attorney looking into a class action suit on credit reporting. I should not have my score impacted for a dispute question.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Credit card or prepaid card

I am the authorized decision maker on my mothers citi diamond card she verified and wrote my name down as a authorized decision maker lady i talked to over phone spoke with my mom after the account has been activated and approved for use, when i wanted to use the card she told me i could not until i gave her a different card number where my mother was the primary account holder she then made me at point of the account will not be used give her the XXXX  credit card number and security code, she said she was doing her job and then then said i will call XXXX  then we spoke and the card was ready for use
Product: Debt collection

While talking with XXXX XXXX at XXXX XXXX XXXX about the debt in question I disputed the validity of the debt. After getting him to send me an email of what was owed and to whom I informed him that I did not know this was on my credit report and I would be disputing the entire debg. It was at that time I was called various names and profanities. This seemed completely unaceptable for anyone, especialy someone talking with people all day. After XXXX  the company and person I found that this is something this person does to alot of people. I received another message saying that the conversation was recorded and hope that can be used to stop this for anyone else.
Product: Mortgage

Due to financial crisis, we are behind in our mortgage payments. XXXX refused to take our mortgage payments. They jacked up our principal balance by adding up late penalties and legal charges. They agreed to modify our loan but added up the fore board charges which made the loan amount truly unaffordable, however, the property value appraised for {$600000.00}. The attached letter is self explanatory.
Product: Debt collection

On XXXX/XXXX/2013 wrongfully without my verbal or written authorization account with XXXX XXXX XXXX has been open under my name. 
I never received any service / benefits from XXXX XXXX Trident Asset Management reported this account as a collections without verifying this account, without providing me notice with right to dispute.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was victim of the XXXX data breach. L want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted Account # XXXX XXXX XXXX. 
Please help me delete these illegal items from my credit report immediately. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXXXXXX. Please delete these accounts from Expirian and XXXX as well.
Product: Credit reporting or other personal consumer reports

Im in XXXX in regards of my credit report and how the credit reporting agencies have failed me as a consumer. Ive continuously sent out disputes for them to investigate the matter at hand and they have failed to provide me with proof of how and where they have gotten that misinformed information. The accounts are reporting negatively on my behave and id like to resolve this issue as soon as possible as this matter has gotten on for too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$300.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$440.00} XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I got at call from XXXX XXXX XXXX asking me if I was applying for a XXXX credit card. I told them absolutely not. She said okay and that she would " take care of it '' Then I got an alert from XXXX XXXX that there was a credit inquiry ( XXXX ) and then the next day there were inquiries from both XXXX and Equifax. 

I have Fraud Alert already in place on my credit report but because we are in the process of getting a mortgage I have NOT yet placed a freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I tried to apply for an account with XXXX XXXX  and was denied because of XXXX XXXX. I reached out to XXXX XXXX  in regards to the matter. I was sent a letter stating that I had an account with Bank Of America in the past and I owe {$350.00}. I never had an account with them but my ex husband did. He put me on the account in case if anything ever happened to him that I would be able to access anything I needed of his. I never put any money in there or did anything with the account. I was told in XXXX during the divorce that my name was removed from all his accounts. Fast forward to XXXX, I applied for this new account and now I can not open an account with them because he left a balance on that account and I had no idea. Because my name was on it when it closed they are trying to tell me I am co responsible. I contacted Bank Of America on XX/XX/XXXX And was told I am responsible for something that I had no idea about and would not have known because evidently in XXXX they put this on me and if I didn't try for the XXXX account I would have never known. I feel as if I am not responsible for someone elses debt because I was told one thing and the case was something else. I would like for them to remove this from my account because I am not the primary account holder and I have never even used this bank or step foot in there except under the false pretenses that it was for if anything were to happen to someone I would be able to take care of their affairs with no issues.