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

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, # XXXX ATM was used to check the card balance charging {$3.00} ATM fee. Then withdrew {$500.00}. Then another card balance charging another {$3.00} ATM fee. Then withdrew {$46.00}. Immediately called ComData ( XXXX XXXX payroll card provided to me by my former employer. ) I am located in XXXX XXXX and was home when I got the text alert at XXXX XXXX. I was on the phone and reached a live agent. I reported my card lost/stolen less than 10 minutes later to find out what was going on. I talked to XXXX who did not help me. I stayed on the phone for hours to reach someone. Kept getting hung up on. I spoke to a supervisor finally at XXXXXXXX XXXX. A replacement card was ordered but never came. I was assured that she would be on the case and that she would personally be reaching out and following up with a call to me. XXXX never did. In these incidents the card holder is required to report fraud w/in 30-60 days. They told me to call back after the transaction posted and that would take approximately 7 days XX/XX/XXXX. Which I did and they said that the fraud case had been submitted. Nothing else to report but be on the look out for an email from the fraud department which never came. I called on XX/XX/XXXX to check status of the case and not one agent or supervisor said they had any access to the case. I had to call again on XX/XX/XXXX to check on the replacement card which was re-requested and came a full month later on XX/XX/XXXX. which clearly was not the 7-10 business days that they had promised. Still again speaking to several agents and supervisors who never followed up with a call back as they promised. Called on the XXXX which was the XXXX day of the investigation which should have resolved but still no information to share. Called XX/XX/XXXX to be told that an email was sent of the resolution of the case on XX/XX/XXXX which were never rec 'd in any inbox, spam, trash, junk file in my email. Call disconnected no one called back. Called in next agent said that the email was sent on XX/XX/XXXX again nothing. Agents can only repeat that they have no access or direct contact to fraud department to be able to assist with continued resolution. Spoke to supervisor XXXX who took another email address and promised that she would follow up with a courtesy call back to make sure email is rec 'd. Also advised that we contact the fraud depart and provide them with proof that it wasn't me making these transactions. Why wouldn't a fraud agent contact me to do complete investigation and resolve. I've only taken cash from and ATM in XXXX. I mostly do POS transactions. I spent the holiday season waiting patiently for no resolution, no customer service, and Why does it take 28 days for a replacement debit card.. this has been the worst experience I have EVER experienced with a so called professional card company.
Product: Bank account or service

This is a complaint for Tcf Bank I have never met a group of unorganized individuals. I feel like they are trying to get over on me. I had a debt with them from XX/XX/XXXX I paid the debt off in full in XX/XX/XXXX and in exchange I was promised that they would removed the fraud alert from my name in XXXX and to this day they have not removed it yet. I call them everyday I call the Tcf Bank in XXXX Illinois and they told me to call back I call them back and get told to call back again. This is the worst experience ever. I just want this fraud alert to be removed from name so that I can acquire a new account this has been going on for a few years now. I have proof of the receipt that the debt has been paid in full which I will attach to this complaint. Please resolve this matter.
Product: Debt collection

I had an apartment with XXXX at XXXX. I was under a lease agreement and during the time of XXXX XXXX 2018. I had to also take a business trip during this time, as well. During this time : The damage of the home included water damage, and immense unlivable conditions. Moving forward, because of the XXXX XXXX  of my daughter ( XXXX XXXX XXXX  ) : We decided to move from the apartment. 

I am writing to address a discrepancy regarding charges reported on my credit report related to a lease agreement for [ XXXX at XXXX ]. According to my records, the ledger account at the time of move-out on XX/XX/year>, does not reflect the additional charges of {$6400.00}. I have an email that states the total account balance due is {$40.00}. 

Thank you for your attention to this matter. Please respond within [ reasonable timeframe, e.g., 30 days ]. You can contact me at XXXX or ( XXXX ). 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX .... Balance XXXX {$640.00} ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX  XXXX .... Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

This is the second complaint I am making about the company. The first complaint I asked for them to unfreeze my online account and they didn't do it. They told me to log in and get a temporary pin but I cant log in cause I'm locked out. I also asked for them to unfreeze my credit which they did but only temporary. I want my credit permanently unfrozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXX/XX/XXXX
Product: Prepaid card

On XXXX/XXXX/2017 I disputed {$2100.00} worth of fraudulent transactions made on my American Express Serve prepaid account. Despite having adequate proof that these transactions could not have possibly been made by me, my dispute was declined via email in less than 24 hours with no cause. These transactions all occurred in another state while I had my card in my possession. I was also advised that my account was locked and suspended. I later received a letter and a check for the balance in my account. When I called AMEX Serve, I was told that I could write into the corporate office to appeal the denial. I wrote AMEX, but have not heard anything from them. This situation has placed me in a difficult position as I can not pay bills and support my household.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Bank of America account shows wrong payment history in my all my credit reports. when it comes to late payments rather than showing XXXX, XXXX, XXXX XXXX, XXXX my report shows XXXX. Showing all the wrong dates. 






15 U.S. Code 1679c - Disclosures Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over XXXX XXXX XXXX. Bankruptcy information can be reported for 10 years. 

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. 

You have a right to sue a credit repair organization that violates the Credi
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
( XXXX  XXXX XXXX FOR {$330.00} OPENED XX/XX/XXXX ) ( XXXX FOR {$1300.00} OPENED XX/XX/XXXX, ) ( XXXX XXXX XXXX FOR {$7800.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$470.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$220.00} OPENED XX/XX/XXXX, ) ( XXXX XXXX FOR {$200.00} OPENED XX/XX/XXXX, ) ( XXXX XXXXXXXX XXXX FOR {$790.00} OPENED XX/XX/XXXX )
Product: Credit card

XXXX XXXX points were recently removed from my Citibank XXXX points account, even though I have an eligible Citi credit card with Citi XXXX points. I had already requested that the points be transferred to my remaining XXXX points account with another Citi credit card prior to closing my account ending in XXXX. I would like to respectfully request that the points be reinstated to my account.
Product: Credit reporting or other personal consumer reports

Transunion has disregarded my notarized affidavit I mailed certified on XXXXThis affidavit stated violations thats transunion and the creditors violatied.Violations were Report not being completed, Not autorized to report, Inaccurate reporting, etc.I have attach a copy of the affidavit that I sent to Transuinion to this compliant. XXXX the Supervisor of Transunion stated Transunion has rejected my mail claiming that's it was not me who mailed my affidavit. I called Transunion ahead of time notifying them that I was going to be sending out an affidavit on XX/XX/year> notarized and with my identification showing it's me the consumer sending the mail. Transunion has again violated another of my rights as a consumer. XXXX has gave me a file number XXXX for this compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HARD INQUIRY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX HARD INQUIRY XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I DINT MAKE THIS INQUIRY AND I WILL LIKE TO REMOVED THEM FROM MY REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not updated information to XX/XX/XXXX and Transunion with my accounts. I received a letter stating this would occur but, it has not.
Product: Credit reporting

For the last XXXX to four years I have tried and just last month to get Equifax ( etc. ) to correct XXXX credit reporting. Although, these loans have been consolidated and finally paid off with XXXX- Just last month showed XXXX. XXXX XXXX XXXX with a delinquent paid of loan with monthly payment of over $ XXXX. and the total loans back to gross amount despite that I am a XXXX going on fifteen years with loan reductions- Note : Never late as they were under forbearance/deferment as any of my loans all show current. I have 'no ' payment at this time and there are and will be further reductions. Please, assist my dispute report I had XXXX ; without corrections and now they show me at XXXX. 
Respectfully, XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL Date : XX/XX/XXXX To : XXXX, XXXX, XXXX RE : Notice to Correct Credit Report Dear XXXX, XXXX, XXXX XXXX consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
XXXX. Chase. XXXX # XXXX. XXXX XXXX. XXXX 's XXXX. 
XXXX. Bank XXXX XXXX XXXX. Chase. 
XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have XXXX ( XXXX ) days from your receipt of this letter to re-verity these entries. 
According to this law, failure to re-verify these items within XXXX ( XXXX ) days constitutes reason to drop the information from my file. 
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I XXXX follow up with them directly. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Hello, Im a XXXX XXXX XXXX XXXX  man. I have never missed a payment on any of my credit nor mortgage nor student loan accounts my entire line ( 13 years of all payments on time ). 

I had just bought my first small home and remodeled it with my wife. The whole family helped and it took a year of hard work and hard earned money to get it the way we always dreamed of small but cozy with a family feel. 

Then, right when we finished the remodel, XXXX nationally declared hurricanes hit our home back to back and destroyed the entire home inside XXXX feet of black and salty water came in even though we had sandbags and flooded the whole house and destroyed everything. We had to jump out of the house and swim to safety half a mile away where the fire department and ambulances were waiting for people. 

I called XXXX XXXX for help. They told me they would let me postpone my payments until XX/XX/XXXX and that wed apply for a program to move the payments to the back of the loan. I called them at least XXXX times every single person told me I didnt have to make a payment at this time because I was on their disaster plan and that theyd applied to underwriting to have my loan balance put to the back of the loan. 

I kept calling and asking if there is anything I had to do. They took the same information about it my income and everything multiple times and then kept saying they had to do it again. Finally, I got an alert that they reported 3 months of past due mortgage to the credit reporting agencies! That is scandalous! All they had to do was call me and tell me that I need to make a payment or anything. They never even called. And every time I called it is still in some process of underwriting. They wont give me a simple answer of when my next payment is due and they cheated me by going after a disaster victims credit for no reason when I was in contact with them the entire time and they promised me I was on a disaster payment postponement. I am so hurt by XXXX XXXX They XXXX XXXX XXXX XXXX XXXX  with this going after the most important thing I have my credit for no reason especially after telling me on XXXX different occasions that no payment was due and especially since I was on their hurricane postponement plan and my entire home was destroyed by a national disaster. This is so horrible and evil. How could they do this to my wife and me? This isnt XXXX, this is destroying someones entire life by reporting to the whole world that I dont pay my mortgage even though it wasnt supposed to be reported! 

If they do not resolve this I am posting this to the XXXX  to help and warn others so that they dont get their lives destroyed by XXXX XXXX and Im also going to small claims court for the maximum amount of compensation because destroying my credit and not letting me refinance nor buy a car nor anything will cost me tens of thousands of dollars and incredible suffering. Theyre punishing the person who is talking and working with them and never missed a payment in his entire life! Scandal
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to anyone to pull a hard credit report for any reaseon
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It al states a consumer reporting agency canno furnish a account without my written instructions. 

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

It's a spam email from US Bank advising me that I can refinance cheap. We have no interest, in a retirement community and own our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 

See the documents attached.
Product: Credit reporting or other personal consumer reports

I sent in a dispute letter for removal of fraudulent accounts with XXXX XXXX XXXX XXXX and was sent a letter stating the account was verified. The account could not have been verified because I was sent a letter stating that the account didnt belong to me. Equifax lied about their investigation, if proper investigation was done they would have found that the account was not mine.
Product: Credit card or prepaid card

I have had my Popular Bank XXXX card since XX/XX/XXXX ( XX/XX/XXXX ). They charge an annual fee of {$59.00}. Recently, I was charged an annual fee of {$59.00} on XX/XX/XXXX ( XX/XX/XXXX ). I called in to cancel the card within 30 days to have the fee waived as I am undergoing hardships due to the coronavirus pandemic. The card was cancelled XX/XX/XXXX ( XX/XX/XXXX ). They said they'd have the fee refunded but never did and now I am being charged late fees for not paying the annual fee. I have spoken to no less than 3 agents since the first customer service agent and they all refuse to have my annual fee and the resulting fees waived. My cancellation number is XXXX Please help.
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 XXXX I looked at my XXXX credit report on XX/XX/year> ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, 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 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. and according to 15 USC 1681s-2 they are suppose to nor 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, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE IN ERROR AND IN FACT CAUSE OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WERE OPENED ILLEGALLY ALONG WITH SOME MALPRACTICE TAKEN BY THE CREDITOR AND CREDIT REPORTING AGENCIES. XXXX XXXX
Account XXXX XXXX  Date Opened XXXX XXXX XXXX
Balance XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX
Account XXXX XXXX  Date Opened XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account XXXX XXXX
Date OpeneXXXX XXXX XXXX XXXX
Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccounXXXX XXXX XXXX
Date Opened XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX