23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am writing in response to a phone call I had with a JCPenney representative regarding my account # XXXX XXXX XXXX XXXX. He was very rude with me and after asking him on three different occasions to let me speak to a superior, he refused and continued to argue his belief of my situation. I called because I realized that for over a year I have been charged late fees totaling over {$600.00} within the past year ( that the representative was able to establish to date ). He could not tell me at what point the fees began because he stated he could only see as far back as the XXXX XXXX statement. The belief is that the practice has been going on much longer. 

At some point in XXXX, I must have missed a payment. My frustration is I totally agree that if I had a late or missed payment, I should be charged a fee for that month, but not every month after that. There has never been any notification from JCP that this was a continued problem or a re-occurring issue for the past year or so. I am not sure if what has happened to my account is even legal. A customer should be liable for any late fees applied and I completely agree with that but if I make a payment for a specific month, then it is my intention to pay for that month including fees, if any. It should not be applied as JCP deems fit against a previous month in order to accrue monthly late fees on a continuous basis for more than a year.

Being a long time customer of JCP, I am very disappointed how my account has been handled and the lack of communication and customer service given to me over the years as well as the representative who was so argumentative with me in response to everything I was explaining to him trying to clarify what went wrong. I even asked if we could verify these payments by the confirmation numbers I wanted to provide for the month ( s ) I had paid and he refused. As a consumer, at the very least, I should have been told when these fees began in order to attempt to determine exactly where the discrepancy began. He was unable to provide me with any information regarding these fees being applied to my account prior to XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I send money through moneygram here in california going to my sister to XXXX XXXX, when my sister got the check issued by one of the locations in metrotown XXXX XXXX she deposited the check to her own bnk acct. to her surprised, the check bounce and was charge for that, we tried callng moneygram they kept promissing my sister and me to wait until investigation is done, how long will it take for us to wait? Pls help.the amount of money sent is XXXX usd which was transacted last XXXX XXXX,2017.
Product: Credit card or prepaid card

I have a credit card from Comenity Bank that is associated with Victoria 's Secret. I have had this card for over 7 years. Earlier this year, I missed the XXXX / XXXX payments on a {$50.00} purchase made at victoriasecret.com. In complete honesty, the past few months have been extremely chaotic and difficult due to Covid-19. I have always been a loyal customer and reliable and responsible with my payments, but while dealing with the stresses of recent times I unfortunately neglected to make the on-time payment for my purchase. I have since paid off the payment as well as the late fees on the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transactions are not information related to any transaction by me the consumer. 



DELETE OR BLOCK THE FOLLOWING ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

TransUnion you are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.
Product: Credit card or prepaid card

Navy federal Credit unit claims that I opened an account with them in XX/XX/22 with a balance of over {$2000.00}. I reside in the state of XXXX. I have not opened a credit card account in over a year. Navy Federal credit union closes location to me is XXXX. I have not left the state of MA. I have no knowledge of this account, when how and to whom it was issued, No knowledge of the items bought. I have not been notified by mail of the debt. I have tried to dispute it with no success.
Product: Credit reporting or other personal consumer reports

.Please dispute the following items on my credit report. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Acct : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX TransUnion : XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the MIDLAND FUND account still remains on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : 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, credit repair services, or other personal consumer reports

After reviewing my credit report, I have found numerous inaccurate account that do not belong to me. I want to ensure that that the reporting is true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, have listed above and below be removed immediately as are not accurate and untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of fraudulent information from my credit report. Upon reviewing my credit report, I discovered several accounts and addresses associated with fraudulent activity under the name XXXX XXXX. This fraudulent information has severely impacted my creditworthiness and financial stability. 

XXXX Accounts : XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX I hereby demand that you remove all fraudulent information associated with XXXX XXXX from my credit report within 14 business days. Failure to comply with this demand will leave me with no choice but to initiate the pre-arbitration process to resolve this matter. Furthermore, I will seek compensation for any damages incurred as a result of your failure to rectify this issue in a timely manner. 

I expect prompt action and confirmation of the removal of the fraudulent information once it has been completed. Please provide written confirmation to me at the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was trying to buy something from XXXX and then a message on my phone claiming to be XXXX  and at that time I didnt know it wasnt XXXX and they said that they need my information so they could deliver the packages and I didnt think much of it until the first of XXXX and I called the bank and told them what happened and they said they would handle it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint under the violation of my FCRA right and Fair credit and reporting act. I have requested numerous times for a full validation and their right to collection so I can validate of this account. I am not aware of this account and demand proof. I have sent numerous letters by certified mail with any result or proof. If you can't provide the company right to collect, please remove this information from my account as its has hampered my financial needs. Please show with XXXX co vendor you used to collect this information as I take my privacy seriously and have opted out all XXXX party vendors who sold my information to the credit bureaus. The account in question is name XXXX XXXX, XXXX Account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday XX/XX/2018, I received post card stating XXXX, Equifax and XXXX were putting my Credit File on XXXX XXXX. 

I never requested to be put on XXXX XXXX. I would like an investigation into how these credit reporting Agencies can put you on XXXX XXXX without the Authority of the consumer in question. 

Waiting for a reply. 

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

I noticed in XXXX that my score was raised by at least XXXX points. There has been no changes in my behavior. No new credit. No application for credit. However, 30 days later, my score has now dropped those points. Amazingly, the increase from XXXX to XXXX was in conjunction with a new law being placed ; whereas all reports were to rise. Here it is XXXX and they have now dropped my scores back to the original number shown in XXXX. This is clearly a manipulation on behalf of these reporting agencies. I have also contacted XXXX regarding " hard inquiries ''. I received a reply stating that there was nothing that I could do and those inquiries would be in place for 2 years. These are inquiries that I did not make. Again, these agencies are destroying and manipulating individuals existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I contacted TransUnion to tell them that a delinquent account listed on my credit report was a fraudulent one -- I did not open the account. 

It is a credit card account from XXXX XXXX XXXX. I had never heard of this bank before noticing the fraudulent account. The bank is nearly impossible to contact to speak with a human, and the account is still affecting my credit score and still shows up on my report. 

I can't emphasize enough that the account is not mine, and I have made many efforts to rectify the situation, and still feel I'm being held responsible for a delinquent account that I never opened in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Contact Details XXXX/PAYPALCREDIT XXXX XXXX XXXX XXXX, MD XXXX XXXX Not sure what this is! Expecting fraud and will like to dispute anything from this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to cancel my subscription to Equifax. I paid the annual rate in XXXX. In XXXX, XXXX XXXX XXXX XXXX said they were doing the credit checks now and Equifax would not be necessary to use. So I contacted Equifax three times, sent two letters as requested to the company with no response. The last letter I sent by certified mail receipt and have not received the receipt after two weeks. 
I have varied my identification twice, picture and license, they have told me then to write a letter and I would get my money refunded for the rest of the year. Along with the letter, picture of myself and a copy of my license, I sent a copy from their website saying that they will refund money if someone cancels the service.
Product: Credit card

Fifth 3RD Bank is reporting an derogatory or adverse credit item to all of the credit reporting agencies ( XXXX, XXXX, and XXXX ). This credit item was listed and discharged in my Chapter XXXX Bankruptcy filing dated-XX/XX/2013. See attached filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before all my accounts where absorbed by XXXX, they were deferred, so its Impossible that there was a late payment on XXXX 2015. Most likely what happened is that because of the big change from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I graduated, now its showing that I mysteriously had a late payment on XX/XX/XXXX for 90 days when until XX/XX/XXXX everything in good standing as well as XX/XX/XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an XXXX XXXX old baby, got seriously affected with XXXX XXXX, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC. XXXX # XXXX This letter is a formal complaint that has been reported Inaccurate to the Credit Bureau. Federal Law Requires furnisher 's of information to report accurate credit information to the credit bureaus and in this case they have failed to do so. I disputed the following information over 30 days ago and they have not removed this information as of yet. 

This inaccurate information must be deleted from my credit file Immediately. Please contact all agencies that have been reporting this and remove this misleading information from my credit profile because this is a Violation. 
Thank you! 

XXXX XXXX : Address : XXXX XXXX XXXX XXXX, NY XXXX Account # XXXX Balance : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a high interest auto loan with a subprime lender XXXX XXXX and XXXX in XXXX in XXXX. I had a balance due after the last payment - due to taking hardship deferments. I paid the balance due over two months - around {$4600.00}. I was reported as making late payments those two months XXXX and XXXX of XXXX, even after the loan maturity date. The company also changed by date of first delinquency from my original first missed payment in XXXX of XXXX, to a XXXX of XX/XX/XXXX. They are reporting this inaccurate XXXX  to all CRA 's and all disputes have been ineffective at removing this XXXX XXXX XXXX loan that has been paid in full and closed. Please help as I have gone through the company and all three CRA 's with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Submitted Everything Over To Clarity Services to Send me a New Pin number to unfreeze my reports with them and they still refuse to send me the new pin I need my reports unfrozen to get a much-needed loan that I need. I have Submitted this information several times and got nothing in return
Product: Money transfer, virtual currency, or money service

I made a wire transfer that should have taken 1 day to come in for {$1900.00} to XXXX using my XXXX XXXX XXXXXXXX account. XXXX sent the wire over and XXXX has the money. I followed step by step and walked through with a support agent on the phone and they told me I did everything right. 

Their response was through email : Hi there XXXX, Im happy to look into this for you. Can you provide the following information? 
-Date transaction initiated -Name on the depositing account ( please include all names if its a joint account, or business account ) -The amount sent -IMAD number/Reference number for the transaction This will assist us in locating your deposit. 

Thanks, XXXX Support Team -- -- -- I replied back 5 mins later : Date transaction initiated : X/XX/2018 Name on depositing account : XXXX XXXX Amount Sent : {$1900.00} Reference Number : -- -- -- -- - ( not sure if i should include this ) -- -- 4 days later no response from their team and they refuse to give an ETA on when the wire will transfer when it was supposed to be a 1 day transfer. I even paid the extra {$10.00} fee for the 1 day transfer, and now we border 4 days, no response, no ETA, no communication. 

This is ridiculously absurd because tons of people have had issues with XXXX wire transfers not coming in through as promised. Reading up on some stories, it took a 1 day wire transfer 1 month to come through and several other testimonials with things like this. 

Please help me get what was promised from the company XXXX Thank you, Best, XXXX XXXX
Product: Bank account or service

I was called about an amount of {$260.00} that I owed to the bank XXXX XXXX from this number ( XXXX ) XXXX I made payment of the amount of XXXX from XX/XX/XXXX to XX/XX/XXXX I was expected and told to get up paper received in the confirmation of my payment for this account I never have gotten it
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds shown available at the time the transactions were authorized. However, due to delayed posting of charges and credits I was unfairly charged overdraft fees. 
This issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Prepaid card

I received a {$300.00} American Express gift card as a rebate from XXXX XXXX. I attempted to use the card at XXXX  and at XXXX all transactions were declined. When I called AMEX they let me know I should add the card to my XXXX XXXX  for ease of use, and that they would make an adjustment to allow it to load onto XXXX XXXX  This did not work. I called back in hopes of getting to the bottom of the issue ( card being declined ) and the CSR let me know that I should spend the card at a different merchant or try to use it in person, and that AMEX was protecting my account by declining the attempts to use the card. After some research I see that many consumers have had the same problem and that these cards are, in fact, not accepted anywhere AMEX is accepted.
Product: Checking or savings account

I deposited a check at my local bank on XX/XX/21 in my account for {$2500.00}. The lady at the office counter told me there would be no holds and that my money would be in my account on XX/XX/21. I wake up on XX/XX/21 and my check is on hold and I call the Bank of America customer service. They said they have to verify the check manually on their end and I wont have access to my money until XX/XX/21. They wont let me get my check back and go cash it elsewhere or provide the money in my account as provisional credit. I spoke with them multiple times through XXXX about this and they all said the same thing. So they are holding my money hostage whenever all I want is my check back. Or my money in my account. I have bills to pay and they want to steal my money instead.
Product: Mortgage

Complaint against SUNTRUST MORTGAGE in regards to the posting of my monthly payments since taking over my loan servicing on XX/XX/2018. My monthly statements are consistently reflecting 2 months of payments due. I have contacted the mortgage company every month to better understand why this is occurring, as I am submitting my monthly payments well before the XXXX of each month. Initially i received a statement for XXXX reflecting 2 months due for my mortgage ( XXXX & XXXX ). I noted a correspondence that stated my loan was sold at the end of XXXX, but no account information provided by new service provider SUNTRUST. I reached out to SUNTRUST to make an online payment prior to XX/XX/XXXX to maintain my account current. In the XXXX billing statement I understood why system generated the dual payment due as the conversion time being noted. However for the XXXX Billing statement did not understand why still showing 2 payments being due. I contacted SUNTRUST on XX/XX/XXXX and was told my billing cycle was occurring every XXXX of the month, as this was automatically set-up by the system. Additionally I had mailed hard-copy checks this month, as needed to make up an escrow shortage. Understanding this billing cycle I sent my XXXX payment on XX/XX/18 via epay for XXXX XXXX account. I visited the website again on XX/XX/18 only to see my payment not yet posted. XXXX XXXX show funds withdrawn from my account on XX/XX/2018. I spoke to XXXX with customer service and she explained my payment may show deducted from account, but it was probably mailed by XXXX XXXX so has not yet been processed. My XXXX statement has been generated already and is showing 2 payments due! Why is SUNTRUST system deliberating trying to access me with late payment statements?