23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My Name is XXXX i recently got off the phone with XXXX and XXXX his supervisor ( XXXX ) on XX/XX/year> @ around XXXX. I am writing to express my dissatisfaction with the handling of an unauthorized charge on my account. On XX/XX/year>, I noticed a charge of XXXX from XXXX that I did not authorize. I have been a loyal Chase Bank customer for 9 years and XXXX on my business and have never had to report any issues with my account until now. I promptly reported the unauthorized charge to your customer service department. To my dismay, I was informed that I would be charged a {$30.00} fee to stop the payment. This fee is both unreasonable and unjustified, especially considering that I have never before had to dispute a charge on my account. As a valued customer, I expect Chase Bank to take swift and effective action to resolve unauthorized transactions without imposing additional financial burdens on me. I request that the {$30.00} fee be waived and that immediate steps be taken to stop the unauthorized payment and investigate the matter thoroughly. I trust that Chase Bank will address this issue promptly and ensure that such incidents are handled more appropriately in the future. I look forward to your prompt response and resolution of this matter. Thank you for your attention to this important issue. Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute an unauthorized hard inquiry on my credit report. I recently reviewed my credit report and noticed that a hard inquiry was made by XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I did not authorize this inquiry, and I believe it to be incorrect or fraudulent. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I am requesting that this inquiry be investigated and removed from my credit report. The inquiry in question appears to be unauthorized, as I did not apply for credit with [ name of the creditor or company ] nor did I provide consent for them to pull my credit report. 

Please find above the details of the disputed inquiry : I request that you thoroughly investigate this matter and, if no evidence of my authorization can be provided, remove the inquiry from my credit file. I would appreciate confirmation that this inquiry has been removed or that any further action has been taken on your part. 

Enclosed are copies of my identification and any other relevant documentation, if required, to assist in the investigation. I expect a resolution within the 30-day time frame as required by law.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was thrown out from Bank of America without any explanation .I was rejected by XXXX banks XXXXBank of America refused to give me any reason other than " a business decision ''. 
After finding out I am not in XXXX XXXX I requested consumer report from XXXX XXXX. Bank of America reported account that was constantly in default and constantly overdrawn for over a year as an account that belongs to XXXX XXXX 
So they made their own mistake and not only threw my out as a XXXX, they prevented my business from opening an account in other banks for almost 2 month .Bank of America willful negligence costed me being about 2 weeks without money and 2 month out of business charges from my clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is being reported that I had three 30 day late payments from XXXX, following two 60 day late payments from XXXX. Additionally it was reported that I had 2 60 day late payments in XXXX, when there were two on time payments made in XX/XX/20 and XX/XX/20. Additionally there were a XXXX day late payment reported after two 60 day late payments reported in XXXX. This sequence of on time and late payments are not Possible. There is no possible way to have an on time payment followed by two 60 day late payments. This payment skipped the 30 day supposed late payments and further damaging my report. Delete immediately.
Product: Credit reporting or other personal consumer reports

The List of accounts below has 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  I looked at my Experian 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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 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 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 reporting or other personal consumer reports

GREEN V. Experian, will not comply, I have old addresses, I have address where I didn't live at, names spell wrong, USC 15 1681 602a I have a right to privacy,15 1681 604a I didn't give permission for any to have my report to view my report, I want to dispute, when disputing Experian suppose to remove the negative item but Experian don't want to remove the item, Experian, and the secondary credit reporting agency is doing what they want to do, I have the right for my credit report to look the way I want it to look,
Product: Student loan

During the XXXX pandemic I began qualifying for Public Service Loan Forgiveness Program ( PSLF ). When I started working for the federal government at the start of the pandemic, I was not aware that I qualified for PSLF. My loans were originally through XXXX XXXX XXXX XXXX XXXX XXXX XXXX After qualifying for PSLF , my loans transferred to MOHELA XXXX During the pandemic, I paid off some of my loans completely. After qualifying for PSLF and realizing that non-payment during the pandemic counts as payment, I requested to have my loans reinstated and the money refunded. I initially contacted XXXX XXXX XXXX XXXX XXXX XXXXXXXX who informed me that my loans had been transferred to MOHELA and that I needed to request the refund through MOHELA. On XX/XX/XXXX, I contacted MOHELA to have the loans reinstated and refunded. The accepted my request and ask that I check back in 60-90 business days. On XX/XX/XXXX, I contact MOHELA again and asked that the loans be reinstated and refunded. On XX/XX/XXXX, I contacted MOHELA again and made the same request. On XX/XX/XXXX, a check from the Treasury Department arrived that was a refund for my reinstated student loans totaling {$570.00}. However, during the pandemic, I paid off {$58000.00} in student loans. On XX/XX/XXXX, I contacted MOHELA and informed them that the refunded amount was incorrect. On XX/XX/XXXX I contacted MOHELA again and requested that the correct amount be refunded totaling {$58000.00}. On XX/XX/XXXX, I contacted MOHELA again and requested that the correct amount be refunded totaling {$58000.00}. On XX/XX/XXXX I contacted MOHELA and was informed that I needed to ask XXXX to reinstate my loans so that I could request a refund. I contacted XXXX and was informed that MOHELA is responsible. Both loan servicers are stating that they are not responsible for reinstating the paid off loans and refunding me {$58000.00}.
Product: Credit card or prepaid card

My previous gym keeps billing me on Discover Credit card. I didn`t use that gym for the last year. Yet they keep billing me the membership fees. I canceled it and I asked Discover card to stop paying them. They kept transferring money to them. I kept asking for dispute but still, it is not working. 
The amount is $ XXXX monthly. They started to bill me XX/XX/XXXX until XX/XX/XXXX. 
I stopped going to that gym in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting incorrect personal information on my credit report I have asked them several times to correct this
Product: Credit card or prepaid card

I use my Citi Credit card purchased a pair of car headlights ( {$1600.00} ) from the online merchant ( XXXX ) on XX/XX/2018. After I paid couple hundred dollars of labor to install the purchased headlights, I found one of the headlight was defective. I contacted the Merchant immediately and provide them the proof of the video and hope them can fix the issue asap but never ask for a return. After reviewed the video I provided, merchant confirmed that is a product defect, but they request me to damage the product instead of a return, then a refund will be processed.I explained to the merchant that I do not know how to deal with the headlight, and I have paid labor to install them. Its really make no sense for me to pay extra labor to uninstall and destroy them. Since all the issue is caused by a product defect, they should issue refund unconditional immediately. If they want the product be destroyed, they have to pay any labor occurred or refer me to any body shop to do the job. The merchant rejected my proposal. 
The merchant did totally against what they said Client is always right. What they did is try to make difficulties to their clients and force them to eat lose and abandon consumer rights. In this case, they clearly know I will not pay extra labor in order to follow their request to destroy the product, even the fault is caused by them, a product defect! That is the main reason they insist the product must be destroyed before they process the refund. As a consumer, I really feel unfair with my experience. 

I have provided all explanation attached with evidence and dispute the charges to the Citi bank. The merchant make black look white and told the partial of the story BUT NEVER declare the fact truthfully to the bank. The Citi bank never do a deep investigation but reverse the credit on merchant 's favor. This is totally not acceptable!
Product: Credit reporting or other personal consumer reports

By 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 XXXX years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. Delete the accounts below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion. Creditor Name XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion. Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion. Creditor Name : XXXX, Date of inquiry : XX/XX/year>, Transunion. Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion. Creditor Name : XXXX  Date of XXXX, TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern I have notice that Transunion have been sharing my NON PUBLIC PERSONAL INFORMATION with XXXX XXXX XXXX XXXX this is a Violation of my Consumer Right to Privacy, Permissible Purposes, Identity Theft. I have never gave them Consent to share my information. Due to them Violating my Consumer Rights I have listed a few Demands. See attached Documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the receipt of my credit report late last year from the XXXX, XXXX and XXXX consumer reporting agencies, I learned of an two separate adverse accounts from XXXX XXXX XXXX and the U.S. Department of Education. Said accounts reported to all three credit reporting agencies under account numbers XXXX and XXXX - exact same account, reporting as two separate creditors.I never had two separate student loans.  Disputes with the credit reporting agencies were for naught as both XXXX XXXX XXXX and the U.S. Department of Education merely confirmed the accounts.  I complained to the creditors about the duplicate reporting - in writing - and even completed disputes with the credit reporting agencies.  They were also ignored with no explanation whatsoever.   Once again - I never maintained two separate student loan accounts.  This companies ignored my concerns despite evidence to the contrary and complaints to the XXXX, XXXX and XXXX consumer credit reporting agencies.  My FICO credit scores have been severely impacted as these separate accounts report as collection entries.   I now file my complaint to the CFPB seeking relief.
Product: Credit reporting or other personal consumer reports

There is a company collection account on my credit report called Portfolio Recovery Associates XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX and the account number is XXXX for a balance of {$820.00}. I believe that this is fraudulent account because on my XXXX report it is saying that this account was opened on XX/XX/year> and this is not true. I would like you guys to delete this account from my credit file because its not my account. I'm gong to upload information that can verify my identity such as a Massachusetts ID card and copy of my U.S. Passport and Social Security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report and are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

account : XXXX account number : XXXX Amount : {$600.00} account : XXXX account number : XXXX Amount : {$570.00} account : XXXX XXXX account number : XXXX Amount : {$600.00} account : XXXX XXXX account number : XXXX Amount : {$570.00} In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to federal law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit reporting agency is required to respond to all consumers complaints and requests within 30 days. 
If they do not respond within that timeframe, they must remove the disputed item. 
As or XX/XX/21, I have not yet gotten a response regarding the reinvestigation they claimed to have conducted regarding XXXX XXXX XXXX XXXX # XXXX. In my request, I clearly asked for a detailed description of the procedure used to determine the accuracy and completeness of the information gathered. 
According to the guidelines set forth by the federal government, this agency is in blatant violation of my rights as a consumer. And I am requesting legal action to remove this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 

requesting validation of debt. They reponded with medical records, a DIRECT violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPPAA form authorizing access to any such medical records.

THESE ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} # XXXX {$2400.00} # XXXX {$1500.00} # XXXX {$1400.00} # XXXX {$92.00} # XXXX {$680.00} # XXXX {$520.00}
Product: Debt collection

XXXX XXXX, I was an absentee minor resident, away for college. The Lease was over in XX/XX/2018. I have gone to the companies credit bureau, and the company has refused to respond to any request made by the bureau to have this issue resolved.
Product: Checking or savings account

Account is with Wells Fargo and since XX/XX/XXXX of 2016 I have been charged over XXXX in overdraft fees, however accordin ti their written policies a majority of the fees should have never been charged in the first place, upon doing a detailed review of the account it also revealed that the overdraft fees are a huge reason as to why my management of my account was so poor. 

Wells fargo stated verbally on several occassions that they have no set time that you can make a deposit to cover an overdraft before you are charged the fee however in their own documents it states differently.
Product: Debt collection

Midland Credit Management has agreed to settle {$2100.00} for account ending in XXXX " WHEREAS, Defendant incurred certain debt related to a XXXX XXXX / XXXX account identified by account number XXXX ( the Debt ) and MIDLAND CREDIT MANAGEMENT XXXX INC.s account number XXXX and the Internal Legal Account Number XXXX ( the Plaintiff Account ), '' Midland has agreed to take all negative reporting information off my personal credit report on XX/XX/2021. So far, it still remains - so I ask that Midland take all negative marks off my credit report as soon as possible.
Product: Debt collection

This was paid by state health insurance as I WAS A VICTIM OF A CRIME. 
AARGON AGNCY Reported on XX/XX/XXXX {$36000.00} Account Details Last Reported XX/XX/XXXX Collection Agency AARGON AGNCY Original Creditor XXXX  XXXX XXXX OF Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$36000.00} High Balance {$36000.00} Remarks Placed for collection Creditor Contact Details AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
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 XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-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 XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion and XXXX. 

Please delete the following items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I ended up almost losing my life because I had a XXXX XXXX. I fell behind on my credit cards and two of which have no interest in helping me with the late reporting on my credit report. I provided documentation and there should be laws to protect the consumer if things out of control occurred. Two accounts were brought current and paid off. Before my XXXX XXXX I had stellar payment history. XXXX account services is one of the businesses. I was paying for a piece of work out equipment which lead to my XXXX XXXX. It states in my medical record that I can not exercise. They refuse to help. Comenity bank I had a torrid credit card with them. They claimed I dont meet criteria when I almost lost my life. This is extremely wrong
Product: Checking or savings account

I requested a distribution from my traditional IRA account. They sold my securities the day I requested them. All good there. I was told the money would be in my account within 48 hours ( just like it has always been done on every other distribution I have taken ). It is a week later and I still do not have my money and they can not give me any details as to where it is or what the problem is. My account is {$16000.00} less and I do not have my money and they can give me any answers.
Product: Money transfer, virtual currency, or money service

Square deactivated my account in XXXX, and then sent me an email telling me that the funds would be released in 90 days. Two years later, Sqaure used the excuse of updating the payment contract on XX/XX/XXXX to withhold customer funds, which is obviously unfair and illegal. Please release my funds as promised in the original email.
Product: Student loan

AidVantage keeps reversing my payments without any notification or explanation. Several attempts were made this month with no progress, on XX/XX/XXXX, XXXX, and XXXX. All three times it said the payment was accepted but since there was never any change to the amount in my bank account, I checked the repayment website and found the status had changed from " accepted '' to " payment reversal ''. Again, no notification whatsoever. AidVantage also does not seem to accept requests for autopayments, and I could not reach anyone via phone call about this. This is not helping my credit score at all, and I know I am not alone in having this issue with the lender.