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

The dispute is with Chase credit card for XXXX XXXX. That credit card account number was XXXX. On XX/XX/2022 I was charged XXXX at XXXX and on XX/XX/2022 I was charged XXXX at XXXX XXXX. Neither of these purchases did my wife or I make. I was unaware when the card was missing. A person unknown either removed the card from my home or copied it or used that information to make these fraudulent charges. I contacted the credit card company and they first asked me to submit a police report which I did. No result on investigation. They next asked that I contact the vendors who won't give me any proof that I made these purchases. The credit card company is steadfast in refusing to credit back these fraudulent charges. I have further details which I will give you if requested. 
I have a stellar credit history with no charges ever being brought against me XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Credit reporting

Experian refuses to removed dated bankruptcy from 2008 off my credit report. The other XXXX credit bureaus have done so.
Product: Credit card or prepaid card

Dear Sir/Madam, On XX/XX/2020, American Express decided to suspend my platinum card for no good reason. I have never missed a payment with Amex or with any credit card and have a credit score of XXXX. I was pre-approved for the Amex platinum I paid {$590.00} for the annual fee. When I called and spoke to XXXX from Amex at XXXX she said my current balance is $ XXXX and due to Covid19 crisis and Amex has no history with me they decided to suspend it. This is very concerning because I have not missed any payment with them and the initial limit was around $ 44K. It is not fair for anyone to be charge {$590.00} annual fee for a card that is not active. I am very fortunate that I have enough money to sustain my living during the Covid19 crisis. I'm more concerned on how credit card companies are allowed to suspend credit cards during a crisis like this. Obviously, we are on lockdown and there is no way to pay via cash to it makes the situation very difficult for the average American people. I've attached all my correspondence with Amex for your reference. 

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

In accordance to the Fair Credit Reporting act the list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX 15 U.S.C. 1681 section 602 A. States That I Have a 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 TN an records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 section 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 the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; XX/XX/2022 TransUnion, XXXX, XXXX : Furnished knowingly fraudulent information on behalf XXXX XXXX XXXX of a balance of {$190.00}, such as late payments, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be find under title 18 or Imprisoned for up to 5 years, or both. 

Please delete this account immediately. After you have finished my request please send me a copy of my credit report reflecting these new changes.
Product: Credit card

My capital one Mastercard was closed without my permission. I paid on time and in full 100 % of the time. I called their customer service and was told my account was closed without explanation. The agent told me to apply for a new card. My application was rejected and the reason was that I had issues with my previous card. Please help fix this situation. Thank you.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, I mailed two checks to XXXX XXXX XXXX to pay off my loan. One check was from my personal checking account and another check was from my credit union which loaned me the money to pay this loan off. On XXXX XXXX, my payment was due and they had not posted my payments sent via the mail so I made my monthly payment. On XXXX XXXX, my personal check cleared the bank but was not posted on my account and showing on the website. I started calling in late XXXX since they now have {$120.00} extra dollars along with the payoff. They claimed they could not find my checks. They created a case ticket - XXXX. They claimed then that it may take 10 days to locate the checks. They needed to research. I have called numerous times since then and they give me a different total on the days it takes to find my checks which they have already deposited on XXXX XXXX. On XXXX XXXX, I got a copy of both checks front and back showing they had deposited and faxed to XXXX with my case number. I called last week and they have found the checks but it can take 45 days to post these to my account. Another payment is due on this account and interest is piling up. I need someone 's help - they are not posting my checks and giving me my extra {$120.00} back. I do not plan to send them another payment. They acknowledge they have my checks but refuse to post them on my account. I tried to call their complaint line and it sends you to another division and they do not even have my records. Thank you for anything you can do to help.
Product: Mortgage

XXXX XXXX XXXX issued a notice of servicing transfer dated XX/XX/2019. The corresponding letter to be sent by the new servicer has not been received. As the effective date for payments to NewRez LLC is XX/XX/2019, I would have expected to also have the NewRez LLC letter in hand at this time.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Account name XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXt XX/XX/XXXX Account name XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Account name : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX  XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/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 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 ) ( 1 ) A person shall not furnish any information relating to a 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

On XX/XX/2024 I mailed letter to XXXX and XXXX in regards to my collection account with Fair collection and out. I informed them that not only was the debt not one that was accurate but the account was noted on my file incorrectly. I know according to U>S>C 1681 ( a. ) I all information must be accurate in order for it to be reported. also that the reporting agency must go above and beyond in order for it to stay on y report. I receive notice from transition and XXXX that the information was. verified as accurate. I realized they updated the responsibility from joint to Individual however this account was a joint account before I was harassed Illegally by Fair collections and out. this shows that either the investigation was done incorrectly or they deliberately left it on there which would be violation of chapter 15 in USC code.

I also do not owe this amount as in is inaccurate. I have filed a complaint against the company themselves because I was charged for full Rent for year when I was allowed to break lease because of bullets being shot through my window. I was afraid for my life and spoke with manager at the time she told me she would allow me to break lease without any penalty. the sad part is that when I moved they not only charged me full they added fees and kept my security deposit even though there was no damage to property besides the XXXX that was shot from issues in the area that had nothing to do with myself. with them illegally trying to collect an debt I would like this compnany investigated as they are already facing a lawsuit for fees and harassment.
Product: Checking or savings account

I usually get paid on Thursday by Capitalone Checking account. However it is now XXXX and I have not gotten paid and I have bills to pay that are due today.
Product: Checking or savings account

U.S. Bank is offering up to a {$500.00} bonus when you open a XXXX  Checking account online with the promo code XXXX I called the bank 's customer service and they told me that the deposit I made met the requirements for the {$500.00} reward, but I would have to wait 90 days at the latest to get the reward. I have completed the combined total of deposits is {$10000.00}, but it has been more than 90 days and I still haven't received the {$500.00} bonus
Product: Credit reporting, credit repair services, or other personal consumer reports

General Motors Financial is stating I have an outstanding balance. I made every payment on my lease. They put on my credit report that I owe them {$650.00}. I never received a bill. They are the worst company I have ever dealt with. They adversely affected my credit without notice. I will never buy a GM product again.
Product: Checking or savings account

Navy federal been charging me overdraft fees for the past few years which was illegal to do so.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Midland Credit for inaccurately reporting XXXX duplicate accounts on my credit report : Account Number : XXXX Account Number : XXXX Both accounts are reported with the same opening date of XX/XX/XXXX, identical balances, and negative statuses. This duplication is erroneous and misleading. Additionally, despite disputing these accounts for over XXXX months and requesting proper validation, Midland Credit has failed to provide any documentation to verify the accuracy or validity of these accounts. These failures violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused significant harm to my credit profile and financial well-being. 
Errors Identified Duplicate Reporting of Accounts : XXXX accounts ( XXXX and XXXX ) are reported as separate accounts, but they share the same opening date ( XX/XX/XXXX ), account type ( collection ), and balance. 
Error : This duplication inflates my debt obligations and misrepresents my financial status. 
Conflicting Details : The balances reported are inconsistent between the XXXX accounts ( {$720.00} and {$710.00} in different reports ). 
Error : The discrepancies in balances and reporting dates are inaccurate and misleading. 
Illogical Opening Date and Payment History : Both accounts are reported as opened on XX/XX/XXXX, yet payment history indicates activity prior to that date, including a last payment date of XX/XX/XXXX. 
Error : Reporting a future opening date and a last activity date prior to account opening is illogical and false.

Failure to Validate Debt : No documentation ( e.g., original signed agreement, itemization of charges ) has been provided for either account despite repeated requests over six months.

Error : Reporting unverifiable information violates the FCRA.

Specific FCRA Violations Failure to Investigate and Verify Disputed Information Violation : FCRA 611 ( a ) ( 1 ) ( A ) Credit furnishers are required to verify disputed information within 30 days. Midland Credit has failed to provide verification for either account.

Failure to Delete Unverified Information Violation : FCRA 611 ( a ) ( 5 ) ( A ) When information can not be verified within 30 days, it must be deleted. Midland Credit continues to report both accounts without validation.

Reporting Duplicate Accounts Violation : FCRA 607 ( b ) Obligation to ensure maximum possible accuracy. Reporting the same debt as two separate accounts inflates my obligations and damages my creditworthiness.

Providing False or Misleading Information Violation : FCRA 623 ( a ) ( 1 ) Furnishers must report accurate information. Duplicate reporting and conflicting account details violate this provision.
Product: Vehicle loan or lease

I called last month which was XXXX about not being able to afford my car payment for the month. I spoke to a women who said all I had to do was pay {$270.00} and that would be fine. Here I guess the check bounced but I did not find out about that until yesterday when I received a text from my loan saying to call them. I called and they expect me to pay {$270.00} for last month and my car payment for this month. I never got a voicemail from them or and email stating that my check did not go through or I would have made another payment last month for the {$270.00}. I cant believe they just contacted me yesterday about this! I have told this company over XXXX over again that my son  is in the hospital with XXXX XXXX, he is only XXXX years old. They do not care about what I am going through they just care about getting their money. I can only afford my car payment this month and not the {$270.00}. My family can barely afford food at this point in time and Huntington has no sympathy for me. We are trying to sell the car because we can no longer afford it. So we are trying whatever we can do to get rid of this vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX account for months. Transunion and XXXX refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Checking or savings account

On XX/XX/year> someone gained access to my debit card information and made multiple transactions and withdrawals in two cities that I do not travel to or do business. The physical card was always in my possession. I have no idea how my information was accessed and funds were withdrawn. I asked Wells Fargo to look into the matter and they said they would investigate. I submitted my claim with them. They came back and said the claim was closed and they would not refund the amounts. I then took the claim to the executive office complaint department. They said they would look into the matter as well. They followed up with the same response and said that I authorized the illegal activity so they would not refund the funds. I asked for more information on their investigation and they would provide me with none.
Product: Checking or savings account

Today I noticed that there were several unauthorized charges on my XXXX XXXXt visa pay fare card through stride. One charge was posted today XX/XX/23, {$5.00} from XXXX XXXX There are also a series of charges listed as pending from several other online merchants, starting with XXXX XXXX XXXX for {$29.00}, XXXX XXXX XXXX for {$28.00}, XXXX XXXX XXXX for {$2.00}, XXXX XXXX XXXX for {$7.00}, XXXX XXXX XXXX for {$7.00}, XXXX XXXX XXXX for {$1.00}, XXXX XXXX XXXX for {$1.00}, and XXXX XXXX XXXX XXXX for {$1.00}. I suspect there may be two possibilities as to how this happened, the first being that my card was skimmed at a local gas station or restaurant as I visit them often while working as a XXXX. I also did some research on XXXX XXXX and found that my password to the virtual wallet had appeared in a data leak and was at a high risk of being compromised according to apples password page, which I was never notified of. I contacted the XXXX  support team, which is a subsidiary of the XXXX XXXX XXXX, and they told me they issued a support ticket for my issue and someone would contact me in 24-48 hours, although unfortunately there is no one available on weekends so Ill likely have to wait until Monday.
Product: Credit reporting or other personal consumer reports

I am rewriting to address multiple unresolved issues with the information on my credit report in TRANSUNION, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. 
After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), TRANSUNION is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, TRANSUNION is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect TRANSUNION to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. 
Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.
Product: Mortgage

As the file will indicate in the recent past we have had issues regarding the cost to reinstate in order to decide weather to do a short sale, deed in lieu or reinstate.On XX/XX/XXXXI spoke with an SLS rep indicating that we had an offer of {$220000.00}. The SLS rep said that the file was closed and she would send out another short sale package. we never received the package. On XX/XX/XXXX I spoke with XXXX at SLS requesting permission to submit a short sale offer and the reinstatement amount.she said she would fax me the reinstatement amount and did n't think there was enough time to do a short sale.Had SLS sent the application when they said they would there would have been plenty of time. As of today we have not received the promised reinstatement amount. A new request for permission to do a short sale will be sent by close of business today
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX have incorrect information on my credit reports. Old information problems with credit reporting credit score billing dispute. Accounts status when closed or delinquent or write off still on credit report.As of XX/XX/2018 my Credit Score is XXXX I have a balance {$8900.00} for what? Credit Accounts 20, Closed Account 18, Open Account 2 What 2 accounts have not any accounts open in years. No delinquent accounts. Derogatory 8. Inquires in 2 years 8. I need help getting this situation right.
Product: Debt collection

Account Liquidation Services is purposely violating FDCPA, section 809 and FCRA 611 ( a ) rule and illegally reporting inaccurate and incorrect negative information on my credit report damaging my credit score. The company fails to delete a debt and fails to not report a debt that is not mine. I requested verification of debt on XXXX/XXXX/XXXX and got a response. I responded with a deletion of debt request and sent in personal verification information to verify I am not the individual whom owns the debt. After requesting the deletion, the company failed further contact and to remove the debt from my credit report. The company instead added more negative accounts to my credit report in XXXX in which I again requested a deletion of the accounts. The company failed to respond to the request and I had to dispute with the credit bureau instead to have the accounts removed from my credit report. Upon checking my credit profile on XXXX XXXX, XXXX I noticed the company has again added negative accounts to my credit report despite my previous disputes and verification that I am not the individual whom owns the debt.