23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Various XXXX in the XXXX, TN were stating that they were charging me for services that I did not receive from them which resulted in inflated XXXX  bills. I disputed a {$3000.00} charge with Capital One for XXXX XXXXXXXX XXXX XXXX XXXX. Capital One requested that I submit a detail bill from the XXXX  office. Once I reviewed the invoice I notice that the XXXX had charges on the statement for XXXX XXXX XXXX. I did not receive any services for XXXX XXXX. The XXXX charged me {$3000.00} for an XXXX  and XXXX. The XXXX  was placed on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I sent Capital One a second opinion/scans showing that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office. Capital One asked for me to respond with necessary documentation by XXXX. I did and received my credit. Then on XXXX, Capital One reversed my charge. Stating that I did not provide them with proof. This is untrue. I submitted emailed communications from the XXXX off that I filed the complaint on, I submitted a detailed invoice, scans displaying the XXXX fell off, and a written letter from the XXXX XXXX  that states the XXXX was missing. I've also highlighted were the XXXX wrote in his report that he provided me with XXXX. Again, this is untrue. I wanted XXXX XXXX to conduct a XXXX call to verify the XXXX XXXX XXXX He would not. I moved several hours away. He wanted me to drive back to XXXX when he could have conducted a video call. Attached are email from the XXXX office of me trying to resolve the conflict.
Product: Mortgage

Loanstream has acted negligently with respect to a new FHA mortgage. Property was supposed to close early XXXX. For weeks the lender has delayed, provided no communication, has failed to diligently or reasonably respond to inquiries. Has provided false or misleading information to the borrower, seller, and mortgage broker. Has not assigned a designated point of contact and has not acted with appropriate due care in the processing of the loan. It is unacceptable and has cost the buyer, seller, realtors and title company thousands of dollars in damages. 

Company contact information : ( XXXX ) XXXX XXXX LoanStream Mortgage XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed over three years ago in XXXX, however, the company just recently on, XX/XX/XXXX, reported on my Equifax credit report that I had a late payment in XX/XX/XXXX, which is not possible since the account has been closed for more than three years. This information is incorrect and inaccurate should be removed from any and all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block anyitems which are 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 block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX XXXX {$570.00} ; XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you 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 items are 100 % true, accurate , correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und 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 inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account 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 account XXXX XXXX  ACCT : XXXX investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Checking or savings account

I have repeatedly overdrawn my account with Fulton Bank NA and paid the overdraft fees when my next paycheck would get direct deposited. I never receive live paychecks and have direct deposit. When i confronted the bank around XXXX of XXXX  they initially refunded an amount of {$5000.00} in overdraft fees as a ( 1 time payment ). I then asked that they no longer honor overdraft and return payments that exceeded the available funds. I was informed over the phone that this was completed. The next time the account was low on funds the bank allowed overdraft and charged me an overdraft fee. I then had to go to a branch, speak with a manager and was at that point told that they couldn't 've done the account change over the phone. I then applied for overdraft protection and was denied. Even though I have direct deposit and the overdraft protection would be paid weekly, which can be verified by my and my wife weekly direct deposits. I understand that my credit score is used to determine eligibility, along other information. My proven history of direct deposits weekly for roughly 20 years would have been taken in to account but wasn't. I feel as though Fulton Bank does not want to help their members only use them to extract more money from them and are predatory.
Product: Bank account or service

Synchrony Bank/JCP ; Has presumed that I owe them for a lowly {$38.00} charge, which ( they have now inflated the charge to {$75.00} ) dates back to around XXXX 2015. They say it is my debt, have written the charge off, and assigned the debt to a XXXX XXXX XXXX ( XXXX ). Here is the problem : Synchrony bank NEVER called us. This {$38.00} charge was being mailed monthly to some ambiguous address and City and zip code some XXXX miles away from us, and we never received it EVER! If we would have ever received it, we would have called them up & figured out and qualmed the problem, but they never called us, and instead forwarded on the charge to XXXX XXXX XXXX. In doing so, it tarnished all XXXX Credit Reporting Agencies ' credit history of my wife, lowering her credit score about XXXX points! In the first place, this {$38.00} charge is likely a fraud case. Also, it was mailed to a foreign address. Synchrony/JCP never called my wife to discuss, and then took the liberty to report to the credit agencies that she is delinquent ( lowering her score XXXX points )! Further, we do n't recall ever opening this charge card! When I call Synchrony, I can never get a hold of anyone who can help. Further most of them, if they want to try, do not speak pure XXXX, and thus ca n't understand them. We 're infuriated, as we call XXXX XXXX XXXX weekly for resolution. While their people are decently reasonable, they say they will put in yet another request for " original credit application '' information. This has been going on for the past 6 weeks unresolved. Also XXXX XXXX XXXX can not rescind this credit history problem, but only Synchrony/JCP can. That, is what MUST happen! Until it does, we will likely feel compelled to hire an Attorney, and legally have these credit reporting errors fixed. But, I 'll not be paying the Attorney, Synchrony/JCP will ...!
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 


XX/XX/XXXX Balance : {$18000.00}XX/XX/XXXXBalance : {$11000.00}
Product: Checking or savings account

Greetings, I called Wells Fargo this morning as soon as I got back from my cruise due to several charges that they charged me on my debit card that was on file with XXXX XXXX. I told the agent that those charges on my account was not authorized by me and they had no authority of charging my account for entertainment services that I did not authorized. I played in the casino without my card and I took a picture so they can see that my card was not inserted in the machine and that it is wrong and fraudulent from casino to charge me. I was not the only individual that went and complained to the casino. When I went to guest services they said that they have nothing to do with the casino and that I need to pay them the balance which was {$310.00}, so I gave them {$400.00} cash and my balance with them was XXXX with a credit of {$85.00} Then yesterday XX/XX/2019 when I opened my app I noticed that I have a balance of {$1200.00} so I went back to the guest service desk to ask what happened so they sent me again to the casino, when I got there I showed them the only money I ever took was from my own winning and I enclosed a receipt for you to see. They told me that the money is just on hold and that there will be no issue. 
So this morning I called Wells Fargo ASAP and filed a dispute and the first agent was very nice to help to resolved this issue then she transferred me to a lady at the dispute department by the name of XXXX that started to listen to my issues and then started to tell me that the bank can refund me the money however that they are going to reverse it again because XXXX is going to deny the charges. I have been with Wells Fargo for more than 4 years and never an issue beside one time when one of their agent was very rude towards me and my mother at a branch and the branch manger resolved the issue by bringing me in. So I now I feel that Wells Fargo should protect me as a customer and a military individual and fixed this issue and help me get back my money as they can see the money was deposited by the military to pay my wifes school and my trip was paid for everything by the military travel.
Product: Credit card or prepaid card

I need help in getting the written dispute policy and procedure guidelines for the  American Express Business Card.      I continue to struggle getting a consistent and complete action when I inquire or dispute a merchant charge.     There are times when I inquire OR dispute a charge and nothing is do ne. I continu e to have to make follow up calls to Customer Service after I see NO action is being done on their behalf. I feel they are giving me answers to simply get me off the phone as they are NOT following through on their words. This type of business practice has continued for years.     I have asked  American Express Customer Service many times for a copy of their written dispute policy and procedure. They will NOT provide me with this information. Is there also a 3rd part y representative that can assist me in making sure I am treated fairly and make sure their policies are followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}
Product: Debt collection

I recently opened a complaint for fraud with Aaragon Agency reporting fraudulent collections in my name. Their poor service efforts included simply taking " their client 's '' provision of what they wanted to be true as fact.

Aargon is reporting a debt that is not valid because the contract is not valid and it is fraudulent of XXXX XXXX XXXX XXXX to try and assert it as so and send my name to collections. 

The terms of the contract are very clear- the club would provide a facility that was safe and accessible to all patrons and mindful of giving all health conditions priority. As someone who has a genetic marker that makes me immunocompromised- the fact that the gym refused to enforce a mask policy did not keep to presenting a club I could function in. 

Moreover, the club was CLOSED for multiple months during COVID! When I asked when it would be open again they simply said we would " wait and see ''. I told them I needed to cancel due to the health condition I brought up in the initial meeting when I enrolled and when they ASSURED ME I would have my needs met and the policy enforced and they refused. 

They broke their own word and legal contract multiple times, this has no bearing.
Product: Checking or savings account

I have several disputes and chime told me they credited my account but I never received it.Here recently chime has been taking money from me and their telling me that it's stores that ain't even on my account my money just disappeared and they shut down my account when I told them that I wasn't going away until I get my money that I received from SSDI.Because of what their taking from me I can't take care of my self as far as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX chime has stolen a lot of money from me and I really need help getting what's owed to me and hopefully more because of the problem they have caused.It ain't right that chime can get away with stealing from me and mentally and physically tearing me down
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I opened my credit account on XX/XX/XXXX when I was notified that I had a XXXX doll in outstanding balance in collections from A company name AFN I have no knowledge of an I suppose to open the account on XX/XX/XXXX! But thats impossible.because I have not opened an account or made any arrangements with anyone to make any payments during XX/XX/XXXX..
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian and informed them that XXXX XXXX XXXX XXXX on XX/XX/2021 Pulled my credit against my authorization and they told me they wouldnt investigate it. 
Also XXXX XXXX XXXX XXXX on XX/XX/2021 as well. I told them under the Fcra that these items werent authorized and needed to be removed and I was told by XXXX that it wouldnt be investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

Kubota credit USA is unlawfully reporting information on my report and will not remove as requested. They show late payments that per 15 USC 1681a ( 2 ) A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; are to be excluded from the report. I have asked that the late payments be removed as they are unlawful.
Product: Credit reporting or other personal consumer reports

I would like to draw your attention to the fact that I have doubts about the correctness of the information that is affecting my consumer rights and appears on my credit record. I feel that I am entitled to be handled fairly by the people in charge of this data. Please provide me all of the information that is available on how the errors happened and how you plan to fix them to guarantee adherence to the Fair Section 611 of the Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681I ) and Metro 2 compliance requirements. 

XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$880.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1900.00} XXXX XXXX XXXX XXXXXXXX {$210.00} XXXX - XXXX {$570.00} XXXX XXXX - XXXX {$3400.00} XXXXXXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX - XXXX {$700.00} XXXX XXXX XXXX - XXXX {$3300.00} XXXX XXXX XXXX - XXXX {$3400.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX - XXXX {$880.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX