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

Hello About a year ago, I bought a cloth at {$25.00} at " XXXX '' and paid with opening new store credit card. 
Since then I did not get any bill from the credit card company about the payment. 
On sometime XXXX of XXXX, I got a call from Comenity bank and I owe over {$100.00} due to non payment. That time I explained and they agreed I did not get any bill from them and waived the fee. I gave them my credit card number and asked them to charged the original balance. 
However, on XX/XX/XXXX, I got my first bill and find out it includes late fee of {$27.00} and {$2.00} for interest charge. 
On XX/XX/XXXX, I called the bank and explained what happened and ask to waive those fees, and offer to pay the original fee to them. 
However Bank told me they ca n't waive the fee and insisted I owe {$33.00}. I do not want to argue them over the phone and ask them to charge the {$33.00} from my checking and asked to close the account.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many inquiries on my credit report that I did not authorize, XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX XXXX has multiple inquiries from XX/XX/XXXX-XX/XX/XXXX This inquiries were never authorized by me and I would like them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This is in response to your recent claim that XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has verified that the accounts they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items is entirely inaccurate and incomplete, and incomplete, and represents a serious error in your reporting should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445  ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

Experian sent an email on XX/XX/scrub>XXXX  stating they will not investigate my disputes claiming I did not mail them. I have mailed in several forms of proof of my identification and ask you enforce experian to process these disputes in a timely manner. These letters were sent by XXXX XXXX XXXX XXXX 

I am writing in response to Experian stall letter /email ( see attachement ) that states these documents/disputes were not sent by XXXX XXXX. These dispute letters are in fact being sent by XXXX XXXX XXXX I have submitted my identity documents again. Failure to investigate these disputes will initiate litigation to proceed. 
I am requesting you proceed to investigate these accounts immediately as required by law. 

Please accept this letter as my formal written request for the following items on my credit report to be investigated.
Product: Checking or savings account

To bank of Americas Advantage, I as a victim of identity theft and without access to my account due to two factor authentication, transfers and usage was going on without having verified my identity. The numerous instant transfers and ongoing attempts ensued since XX/XX/XXXX  and despite the hours and hours of telephone conversations which seemed to be designed to run me down tirelessly as they must be aware Identity theft is daunting and not limited to just their accounts. They were negligent in their response to my situation- in one example where I had asked them to not commingle accounts, they still did it anyway. This meant if you logged into the new account, you still had access to the old one. Adding to the painful ordeal and trying to juggle this immense process of repairing the financial nightmare, by not adhering to my request, replacement debit cards were being cloned and fraudulently used without it having arrived to my home address. Yet, they questioned and haggled me to continue some sort of decoy which would leave any consumer in despair. After more than 20 years with BOA, they're tactics and negligence contributed to my joblessness, depleted retirement, loss of vehicle and not to mention the emotional distress and trauma this causes. The nerve of this deceptive entity has now summoned me with a lawsuit pending trial. As if that doesnt speak about their true integrity. Shameful..
Product: Checking or savings account

On XX/XX/2022 I scheduled a payment of {$540.00} to JP Morgan Chase Bank for a payment to my auto loan. My Chase Loan number is XXXX. On XX/XX/2022, {$2300.00} was debited from my check account with XXXX XXXX XXXX XXXX. I called Chase and spoke to a representative. I explained to him ( XXXX ) that I did not authorize {$2300.00} to be debited from my account, but that I did authorize {$540.00} to be debited. 
He told me that in order for him to get this reversed, he would have to transfer me to a manager. He transferred me to a manager ( XXXX ) who reviewed my account and told me that my account is now in good standing and that most of the payment was applied to the principal and he would not reverse the payment.
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 168.SELF XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

Urgent Assistance Required : Unfulfilled XXXX XXXX XXXX Job Guarantee and Refund Issues My Situation : Initial Contact : On [ date not specified ], I encountered an advertisement by XXXX XXXX promising a 100 % guarantee of securing a XXXX XXXX  within 90 days. 
Advertiser 's Credentials : The advert claimed over 10 years of experience in the field, which influenced my decision. 
Investment Decision : Instead of depleting my last savings, I opted to " invest '' in this opportunity for myself and a friend, anticipating a job within the stipulated timeframe. 
Key Details : Enrollment Date : XX/XX/year> Current Status : Despite the 90-day guarantee, I remain unemployed. 
Response from XXXX XXXX and Team : Efforts to evade responsibility and retain the payment have been observed. 
Total Amount Paid : {$14000.00} Payment Method : Through XXXX XXXX XXXX and American Express credit card Refund Attempts : Outcome : Both XXXX XXXX  XXXX and American Express have denied my refund requests. 
Appeal for Assistance : Name : XXXX XXXX Request : I urgently need help in resolving this situation, specifically : Securing the promised job or a viable alternative. 
Obtaining a full refund of {$14000.00}. 
American Express : {$2900.00} XXXX XXXX XXXXXXXX : {$11000.00} XXXX XXXX XXXX and his team accountable for the unfulfilled guarantee. 

Action Required : To assist me, please consider the following steps : Investigate XXXX XXXX 's business practices and the legitimacy of the 100 % job guarantee. 
Facilitate communication with XXXX XXXX and his team to resolve the employment and refund issues. 
Provide guidance on navigating the refund denial with XXXX XXXX XXXX and American Express, exploring alternative dispute resolution avenues if necessary. 
Offer support in seeking legal or regulatory recourse, should it be deemed necessary.
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 inaccurate information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inaccurate information 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 inaccurate information which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, M XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX 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: Consumer Loan

Inaccurate information as well as severe lack of customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Foursight capital - XXXX - They recently did a new update XX/XX/XXXX to reflect my account being closed, which this significantly dropped my credit scores. This account was already paid and CLOSED XX/XX/XXXX ... Why they did a new update XX/XX/XXXX like it was a recently closed account is beyond me. But it has affected my financing now. 
Closing a good account is the most damaging thing you can do! NOw I am going to be homeless due to Covid and you are the reason for my scores dropping. 
I need you to put the dates back to XX/XX/XXXX and fix the account or delete it from my credit because you are absolutely reporting accuratley!
Product: Checking or savings account

I deposited XXXX checks in the ATM before I can finish the transaction the machine started rebooting and went black screen I was left empty handed with nothing Causing multiple hardships and rent and bills delayed with late fees these recipients are on fixed income and XXXX The bank inside the bank said call this number and they will credit my acct that was a lie Im just sitting and waiting for I dont know what they didnt give a date funds will be available or nothing just a Sorry its nothing we can do at this time wait 10 days
Product: Payday loan, title loan, or personal loan

In XX/XX/2021 I refinanced my home and as part of that process paid off this loan. The title company sent the check to XXXX XXXX and the check shows it was deposited by the company. They did not associate the payment with my account and two weeks later I called to check in on the issue. I've been calling all week and spent, on average, an hour a day on hold waiting to talk to escalated people who never resolve the issue. I provided copies of the deposited check and they have admitted they deposited the check and misrouted the payment. However, it is still not resolved and now I am not only out the {$10000.00} but they have continued to charge me interest daily on their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 


Trans Union has yet to ADJUST MY REPORT AND XXXX. i HAVE MAILED THEM AND REPORTED TO THE CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to CHOICE RECOVERY INC # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPA authorization.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$6600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$160.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$59.00} XXXX XXXX XXXX Account number : XXXX Balance : {$24000.00}
Product: Debt collection

Navient has taken 8 payments from me this year which is 2 per month and they are only supposed to debit one from my account automatically each month. They gave me back the 2 extra payments two weeks ago and then a few days later charged me a second payment for the month of XX/XX/XXXX. When I called and complained they acted confused like they dont understand this issue with debiting my account 7 times this year and its just now the month of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I was waiting on pending deposits for my account, every time I try to find a solution online the company ends up confusing me with more information than usual. When I call customer service, I'm told that the information I'm requesting can't be given to me, I can only see it online or I have to contact whom deposited in my account. The problem is that I'm in a group of beneficiaries that were going to receive grants. The information is public so individuals of that group can receive the grants. I don't know to do it & that's the reason I contact the company but I'm denied the help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following two collection companies are reflected on my credit report. I have never had an account with either company and these are reporting in error as I have requested the signed agreement in which I made with both companies at which they stated they didn't have one. I notified XXXX XXXX and Transunion so as to have this erroneous information removed to no avail. The two companies being reported on my credit report in error are below : 1. XXXX XXXX XXXX : XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX Texas 2. XXXX XXXX  ACCT : XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Money transfer, virtual currency, or money service

Every month the Social Security Office deposits my benefits directly to my checking account at JP Morgan Chase Bank. CHASE BANK NEVER NOTIFIED ME THAT THERE WOULD BE A FEE FOR THE WIRE TRANSFER AND IT WAS BY CHANCE THAT I DISCOVERED THIS... I SUPPOSE IT WENT ON FOR YEARS. I HEREBY FILE A COMPLAINT AGAINST CHASE FOR FRAUD AND ABUSE OF A XX/XX/XXXX CITIZEN ( I AM XXXX YEARS OLD ) RIGHT TO INFORMATION. CHASE ONLY DEPOSIT {$2000.00}
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. 

I was negatively impacted hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified. 

Reporting Agency Such as XXXX Transunion and XXXX are reporting inaccurate information Outdated information and data inconsistency all address are outdated Companies such as XXXX XXXX  which has duplicate accounts which is paid off and closed are reporting Outdated information inaccurate information Company Such as XXXX XXXX are reporting Outdated information and addresses data inconsistency
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XX/XX/2022, XX/XX/2022, And XXXX XXXX XXXX but the bureaus did not remove the items below. 

Sec. 602 FCRA States " I have a right to privacy '' XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and protected. Furthermore, their depute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

I requested help from the XXXX XXXX XXXX XXXX in XXXX, for the primary mortgage through XXXX XXXX, ( loan # XXXX ) and was approved for assistance XX/XX/XXXX. The total amount that was owed on the statement XX/XX/XXXX was {$12000.00}. That was including all fees and expenses. The XXXX paid XXXX XXXX  a total on {$14000.00}! That means they charged the XXXX an extra {$1500.00}!!! Ok fast forward to XXXX of XXXX, the monthly mortgage amount was {$380.00}, which I paid. I got the statement for XX/XX/XXXX and there was an amount of {$1200.00} in the category of assessed expenses, and additionally the regular monthly payment amount increased from XXXX $ to {$410.00}!!! There was no explanation anywhere on the statement as to the reason for either that assessed expense of {$1200.00}, or the increase of {$29.00} on the regular monthly payment amount! I called the company IMMEDIATELY to complain and they tried to tell me that was probably legal fees, and that can be paid over time. The mortgage is in my mothers name ( XXXX XXXX XXXX, deceased XX/XX/XXXX ) and this company has been an absolute nightmare to deal with and I really need help to get this matter straightened out! They are absolute XXXX! These charges are not valid and neither is their increase of my mortgage payment!!! Please help me!!! Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report I noticed a couple of discrepancies. Subsequently, I reached out to Navient and inquired about the status of my loan during the time that the delinquencies were reported ( XXXX XXXX & XXXX XXXX ). Their correspondence to me confirmed my initial thoughts which were that my account was in forbearance beginning in XXXX of that year until XXXX of the same year, XXXX. After receiving their correspondence I wrote to have the two delinquencies retracted from my credit history. Their response was that they would not remove the inaccuracies because the delinquencies occurred before the forbearance start date. However, as indicated in their previous correspondence my forbearance spanned from XXXX till XXXX and the inaccurate reporting occurred in XXXX and XXXX.