23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my XXXX written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original 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? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 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 ( Section 617 ) 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 have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. Account Number : XXXX XXXX  XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX this account. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, SC XXXX there is some inaccurate information reporting, delete this account. 
XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Delete this account. 

I have been in communication with the companies for a YEAR about the errors on my account, i am highly considering a lawsuit if these accounts are not deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I received a letter from Sychrony Bank stating my credit card application was denied as they were unable to verify my identity. I called the company XX/XX/19 I told them I didn't apply for any credit card on XX/XX/19 of the application. I exchanged details with them and personal information and discovered that someone used my name, social, address, phone number but a different email address to apply for a Paypal Credit Card. 
The filled out a complaint report and were sending it to all three credit bureaus. I then put a freeze on my credit reports. They also said it would take about 30-60 days to have this inquiry removed off of my credit report.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX i had a breach of security on my computer causing a theft of my drivers license as well as my social security. In addition to the the computer breach of security and also lost my drivers license and social security card. My Personal identifying information had been stolen online and physically and the id theft thieves had subsequently opened credit card accounts fraudulently, The following banks that had issued fraud credit card accounts as well XXXX, XXXX and XXXX have been reporting the fraudulent accounts on my credit reports causing an extreme hardship. I am a military veteran for over XXXX year and dont deserve this kind of treatment. The following banks and accounts are as follows : XXXX XXXX date opened XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Date OPened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened XXXX account Number XXXX XXXX XXXX Account Number XXXX Opened XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date oepned XXXX XXXX XXXX XXXX XXXX XXXX date oepened XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I must say i am a die hard american XXXX veteran and i am beside myself that these criminals and the credit issuers allowed this. I amk protecting them and what do they do, Rob me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the XXXX credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I am still waiting on XXXX more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and XXXX attach the supporting documents Please remove this fraudulent account. 


Account Balance {$2000.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX.
Product: Checking or savings account

To summarise the events to date, I lived in Alaska  XXXX, during which time AK USA Federal Credit Union was my only bank. When I left AK in XXXX, I maintained that bank account and made my last deposit into it in XXXX, shortly before I moved overseas. Since I have been overseas, I have contacted AK USA annually to learn the interest income to enter onto my US tax return. During each phone call I have told the AK USA representative that the reason for my call was that I was unable to access the information electronically and that I was living overseas. AK USA e-mailed me this information in XXXX, but all other contacts have been by phone, most recently ( before this year ) in XXXX. 

At no time did any AK USA representative give me an inkling that my account status was in jeopardy. No AK USA representative told me that my account balance would be remitted to the state if I did not make any withdrawals or deposits. AK USA has also been sending me regular e-mails with XXXX XXXX, none of which I have ever been able to open. Neither by e-mail or by phone or by letter was I ever informed that my money would be anywhere other than in the bank to which I had entrusted it. 

Yesterday when I made my annual phone call to AK USA to learn my interest income, I learned the outrageous news that my money had been remitted to an unspecified state ( it took an hour for the bank representatives to learn that the state was AK ) in XX/XX/XXXX. I asked what help AK USA ( whose name I did not know had been changed to Global Credit Union ) would help me in getting me back my money. I never had any knowledge or gave any consent for this money to be removed. During the course of the 2-hour XXXX call , I was placed on hold multiple times, told that the research team was out to lunch ( at XXXX AK time ), and ultimately given two websites and wished the best of luck.
Product: Debt collection

Commonwealth Finance supplied the Credit Bureaus with negative, destructive and false information stating I owed a debt. The said company was contacted by phone on XX/XX/XXXX and was told that the debt was not owed due to bankruptcy and was provided the record. The dispute for the debt was approved and stricken from my bureaus. As of XX/XX/XXXX, the same company has reissued the same debt and has potentially ruined any chances of credit being extended and raising my insurance rates and lowering my credit score dramatically. I am in peril of having my credit cards charging me a higher interest rate. They are holding my credit for ransom for a debt that is not owed. They sneakily added this to my bureaus and have not sent any letter or called to inform me of said debt. This is heinous and they need to be severely reprimanded for this insidious business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to verify incorrect information on report. The account in question shows account type as " open account '' yet account stats as " closed '' the balance is incorrect as well. It shows an original balance of   XXXX   but a past due balance  XXXX  I have disputed this twice and yet they continue to report erroneous and incorrect information.
Product: Credit card or prepaid card

I applied for the XXXX XXXX XXXX XXXX on XX/XX/2023. I have not used the credit card and I got my first statement with a XXXX $ charge. I thought someone has misused my credit card and went in to check my statement and found an annual fee charged. 

The problem is that I have not seen any mentioning of an annual fee from the ad I received. There is a button on the ad to click apply, and it takes me straight to the application page without any mentioning of the annual fee. 

I called the card customer service on XX/XX/2023, and the call rep said she will check w her manager whether they can waive the fee for me. I didn't hear back at all, so I went back to check my card account online and saw the fee still there. I called again on XX/XX/2023, and explained that because I didn't see any mentioning of the annual fee on the ad, I request for a fee waiver but was declined. 

I think this is very unfair to a credit card consumer because the most important features of the card should be on the ad. At least take me through a page where it shows the annual fee before directing me to the application form. But it did not. And the call center does not budge at all and said the fee is in the terms and conditions. I strongly believe a credit card ad should have the most important things advertised and not be surprised. You can not rely on a consumer to click into the terms and conditions to learn about a hidden annual charge. I am sure a lot of other consumers have fallen into this trap, and hence my complaint here.

I've attached the ad here, and the page once I clicked on " apply now ''. As you can see, this 2 step process has no mentioning of the annual fee at all, but relying on the consumer to click into the terms and conditions to learn about the annual fee is absolutely unfair.
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 USC1681. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, 2024, has violated my rights. I looked at my TransUnion credit report on XXXX XXXX, 2024, 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 supposed 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 supposed 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: Mortgage

I fell behind on my mortgage 27 months ago because my husband was XXXX. The medical bills and the fact that he could n't work ( we had a XXXX ) left me unable to make mortgage payments during that time. The business was losing money each month and the medical bills were overwhelming. In XXXX XXXX my husband finally passed away from his XXXX. In XXXX XXXX I closed our business. I then approached my mortgage company ASC and explained the situation to them. I advised them that my financial hardship had ended with the passing of my husband and closing of our business. I have a steady income and I would like the opportunity to save my home. The only response I have received from ASC was that " my payment is affordable '' and they can not help me. My attorney called and spoke with them asking why I was denied for a regular modification. They replied it was due to my NPV and that my payment is affordable. Neither of which pertain to my hardship and situation. I tried to explain to them that my hardship was not an un-affordable payment. It was XXXX. I am not asking for any payment reductions. I only request to be considered for a Regular Re-Capitalization modification that will bring my loan current. I am fine with the payment increasing and I understand my balance will increase after the modification due to the missed payments. I have since hired an attorney to re-submit my paperwork for me and they state I qualify for a Regular Modification. I have run my NPV and it is Positive and so the denial reason of negative NPV ( for a standard modification ) is not a true statement. ASC has filed a Notice of Sale on XXXX XXXX, XXXX with a sale date of XXXX XXXX, XXXX. They did this after filing a Notice of Default from two years ago on XXXX XXXX, XXXX. I am not sure this is even legal in my state to issue a notice of sale two years after a Notice of Default. I am asking that they simply give me time to have my updated financials reviewed for a regular modification before moving forward with my sale date.
Product: Debt collection

Called them to settle debt but they didnt want to take what I was offering. They denied it and continue to report it on my credit. Keeping me from getting a home for my family
Product: Checking or savings account

On XX/XX/XXXX I authorized my mortgage payment through us bank. On the XXXX of XXXX my mortgage payment submitted a UNAUTHORIZED withdraw of {$2600.00} and US Bank paid the amount. Knowing that I did not have nearly any funds remaining in my account. By them doing so it has created chaos is my life. To this date my account has had two deposits made from my social security check and pentions and I still remain at a. Neg in my account nsfs keep mounting. I have not been able to pay any of my bills and my utilities is about to be cut off my life insurance policy has lapsed I can't buy groceries the bank has not returned any of my messages when mortgage company does not take any of my calls unless I'm calling them to pay my mortgage which I have not been able to do I am at my Wit 's end and I don't know what to do if already been hospitalized once already due to the level of stress I suffer from XXXX XXXX and I'm an XXXX year old woman if you can please help me that would be incredibly a blessing thank you XXXX XXXX if you do call are you authorized my son XXXX XXXX to speak on my behalf.
Product: Credit card or prepaid card

On XX/XX/2020 Capital One charged me {$21.00} for a charge from XXXX. On XX/XX/2020 I made a purchase from XXXX in the amount of {$21.00}. I contacted XXXX and they said that the amount on the XXXX was a pending amount for my purchase on the XXXX. They told me that it would drop off in three days not to worry. I checked my account every day and it did not. The pending amount turned to a charge. I called Capital One several times regarding this matter. They said that XXXX had to remove the charge. I called XXXX and was told that the credit card company had to remove the charge. It only showed ad a charge once on there end. I called Capital One again and they opened a dispute against the second charge. They told me that they would credit my account until the investigation was completed. Capital One called me on XX/XX/2020 telling me that they were two separate charges. I was told that they sent me a letter on the XXXX of XXXX stating what other information that they needed. I have yet to receive said letter. This is the third time that I have had this happen to me. I use other credit cards with XXXX and Capital One is the only credit card company that keeps double charging me. I want a reversal of the second charge of {$21.00} immediately. Thank you.
Product: Credit reporting or other personal consumer reports

Following account from XXXX XXXX is reporting account incorrectly and information is not correct. 
Account was opened in XXXX not XXXX Stated the collector. Original debt was through XXXX  : XXXX collection for {$1200.00} Falsified info has been reported. Please delete Collection company : XXXX XXXX Balance : XXXX Original debtor : XXXX XXXXXXXX  Old collection agency : XXXX credit agency
Product: Credit card

During the evening on XX/XX/2016 while in XXXX XXXX I was approached by a mall vendor concerning the purchase of women 's moisturizers. Though I had no intention of purchasing that evening I did agree to make an an appointment for the next day. My card was used to 'hold ' the appointment with a vendor. However, on the morning of XX/XX/2016 I decided to cancel the appointment and called the vendor to inform them of the cancelation. I was told no appointments had been scheduled yet and they confirmed that no charges would be posted to my card. Just to make sure, I also phoned my credit card company, Barclay/XXXX the same day, to advise them of a possible charge of {$320.00}, that was not authorized. At that time Barclay informed me the charge had not appeared and that a 'flag ' would be posted regarding my call. However, upon receiving my XX/XX/XXXX credit card statement the charge WAS posted to my account. I called Barclay XXXX and was advised to begin the process of dispute resolution. 

Since then I have written several letters to no satisfaction and am now filing my complaint with the CFPB concerning this charge and credit card company 's handling of the situation. I have requested my account be closed since finding my credit rating has been effected by approximately an XXXX point drop along with interest charges over {$230.00}. I would like resolution of this unauthorized charge and information on how to correct this " failure to pay '' posting on my XXXX /credit rankings. Before this occurred, my rating was in the XXXX. thank you
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX  XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/year> XXXX XXXX digit XXXX :
Product: Debt collection

My sister may have put me down as a family member reference on an account she had opened. She is doing the XXXX XXXX program to pay off all debts. The agencies have been hounding my cellphone number daily as she already had given the XXXX XXXX phone number to the company for any contact. I am an XXXX for the XXXX XXXX XXXX XXXX and have to use my cellphone for my job. These daily harrassment calls have nothing to do with me. They won't stop. What do I do?
Product: Credit card or prepaid card

For XX/XX/2022, we had a hotel booked in FL for the family using the credit card with the bank. 

When we landed up at the hotel at around XXXXXXXX XXXX the room that was given to us was full of bed bugs and roaches and spider webs. We immediately complained to the front desk and informed them of the situation and they said pest control will fix it the next morning and the hole family was too tired as we were visiting FL from CA after a very long journey and we had small kids too. 

Next day morning, we went for vacationing leaving the stuff behind in the room and when we came back, the pest control was still not done and we requested for a new room which was given to us but again, the same issue was there at which point the next morning we decided to immediately check-out and leave for another hotel. We did filed a complaint against the hotel and the state health inspector confirmed our findings the next day. we sent lot of emails to the hotel manager but no response was given. 

Finally, we contacted Chase Bank to raise a dispute on XX/XX/2022. Chase bank had an option to open the dispute which was " I am dis-satisifed with the services given to me '' and I selected that option and was told to contact customer care which I did on the same day and I had an argument with the customer rep as she was adamant that I used the service and hence no disputes and no credit. 

i kept on telling her how will I prove my dis-satisfaction if i will not use the services but she kept on saying that I used the service and hence no disputes. The bank 's option to open a dispute using the option " I am dis-satisifed with the services '' is mis-leading as customer care rep do not allow us to raise a dispute using this option at all and keep on insisting that since we used the services, bank will not help. 

After a lot of argument, the bank opened u pa dispute against the hotel and asked me to submit the pics which I sent and explained them thrice over the call what happened and how my family suffered but to no effect. The bank still considered it as a billing error and closed the complaint in merchant 's favor citing no billing issues. 


Question : - a ) How should I explain the bank that I never said it was a billing error and I always kept on saying that the services that were given to me were not upto the mark and not expected. 
b ) How am I expected to know before hand that the hotel was ok to stay without actually visiting and staying there and later on, when I suffered, neither the hotel, nor the bank helped. 
c ) Why the bank is displaying the option of dispute as " I am not satisfied with the services '' when they dont even take into account the word " satisfaction '' and just considers whether the services were offered or not?