23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX I borrowed {$45000.00} on my XXXX XXXX XXXX XXXX XXXX XXXX, with a XXXX % APR for 1 year and a fixed interest rate of XXXX % thereafter. Meanwhile, my loan was sold to Barclay, who proceeded to charge me 16.99 % variable interest. For 3 years now I have spent HOURS on the phone with them, asking for them to XXXX ) produce the original contract ( which they claim to have never received in the purchase from XXXX, when I contacted XXXX, XXXX told me they had given it to Barclay, Barclay again never received, etc. ) ; XXXX ) honor the original XXXX 8.99 % interest rate ; XXXX ) provide me the courtesy of sorting this out. I have always paid above and beyond the minimum payment due. I always initiated above said phone calls. On various conversations, I was informed that the APR was reverted back to the XXXX FIXED rate, yet this never occurred. I also quit using the card as although I would pay in full that month 's charges, along with at least that month 's minimum loan payment, and always on time, yet interest always accrued on the current charges ( which never were beyond their 30 days due XXXX. Verbally, they claimed this was not to happen, yet on my statements, it always did. Just this last XX/XX/XXXX I was alerted by a recorded telephone message that my XX/XX/XXXX payment had not been received and is now past due. Until this point, I had never been late on this account. I had also sent in this payment. I called to find out what was going on, and they had attempted to take the money out of a checking account I had closed over a year ago ( which they had known about the account closure, as I had given them a different account from which to withdraw funds ). This caused the payment to be declined. I immediately called, and was told that late charges were removed and my payment was accepted. Upon receipt of this month 's ( XX/XX/XXXX ) bill, it showed me now owing twice the minimum payment due, and unbeknownst to me, XXXX of my XX/XX/XXXX 's over payment did not go towards the principal balance, but was applied toward XX/XX/XXXX 's amount due, subsequently accruing even more interest on the principal than their already unfair interest charges. This unfair practice happens over and over and when I call I do n't seem to get resolution, and no one gets to the bottom of this nightmare. I have yet to receive copies of the original contract, and I have never been a bad, defaulting or even late customer. I look forward to some sort of fair and courteous resolution. In frustration today, I advised them of my intent to file a complaint in regards to this matter, and the representative 's response to me was, " Do what you got to do, and good luck with that. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent to XXXX a certified letter Detailing my private information. I told them I had only the information of : Name : address : Phone : XXXX : SS # : Work : And that no other past information was to be reported because I can only be reached at the current information provided. 

With this letter, I sent a second letter detailing companies who affected my credit by pulling credit inquires without my written permission and none of these issues have been fixed. 

I have called several times and even tho they state they have been fixed when they send me a new credit report the information is still showing. 

Attached is the first set of letters. I have sent a second set of new credit inquires which has not been responded to which I will file at a later date when the 30 day mark is reached
Product: Credit reporting

I put in a dispute with TransUnion on XXXX/XXXX/2016 for a collection on my credit report that is not mine. I called around to XXXX different hospitals and also XXXX and no one could give me a direct answer for what this charge was for. I then had them resubmit the dispute for the same reason. When I called over a year ago ( the first time ) for this dispute I was told it was for a XXXX, I have never had one of those and told them that last time. I am getting nowhere with this and it is not fair that it is hurting my credit score.
Product: Money transfer, virtual currency, or money service

I made a transfer of {$1500.00} from my credit card with a limit of XXXX, received the money in my checking account. They then transferred {$1600.00} from where I don't know I was over limit at that point. They said they sent me a new credit card I have no new activated credit card I don't know where the money went from this transfer but they are charging me for it ruining my credit and wanting me to pay back {$1600.00} I never received. They can not prove I received the money, I can prove the {$1500.00} original into my checking account and will certainly be paying that back. I did not receive another {$1600.00}, and will not pay that back. I want this account fixed and my over limit repaired so my credit rating is not ruined by this fraud transaction.
Product: Credit reporting or other personal consumer reports

My wife requested an secured loan at XXXX XXXX XXXX, I was placed as co-applicant. My wife was having problems making the payment since we had some financial difficulties therefore, she requested to have the loan modified to request a payment extension. She was granted the extension but they continued to mark the loan as 30 day late on our credit report. I have made multiple attempts through experian to remove the negative information but it always return as " update '' and no changes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing this letter to request an investigation of the following information that appears in my XXXX XXXX XXXX  consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 


XXXX XXXX XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your assistance. I look forward to your timely response. 



Sincerely, XXXX XXXX
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 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : USDOEXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 reporting or other personal consumer reports

I have been asked to go yo court for a debt that closed out in 2008. 15 year old debt should not be reported.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is fraudulent though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


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

I authorized an agent at a XXXX retailer to check my qualification status for a loan on a trade-in. The agent then proceeded to pull my credit 4 times, from four different lenders without my consent.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Product: Checking or savings account

I am Marcus by goldman sachs Bank customer. I request polish translator to assist me. Bank informed me '' If you were able to open an account you need to speak and understand XXXX '' I was informed they don't have to have thus service for clients. I expedited I would like to understand what was said and polish is my first language. Supervisor XXXX disregard my request.
Product: Consumer Loan

They are contacting Third parties trying to get in touch with me. They are also asking for my deceased fiancee ' who passed away over 2 yrs ago and they have his death certificate. They also call my place of employment asking for my late fiancee and they are transferred to my phone but never leave a message.
Product: Credit reporting or other personal consumer reports

I am reaching out to address multiple discrepancies in my credit report, including incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and other reporting inaccuracies. Your assistance is essential in resolving these issues to safeguard my financial well-being.
Product: Credit card

When I signed up for my credit card, I received an XXXX pass good for a year ( I activated my card and received the passes on XXXX/XXXX/XXXX ). I called BarclayCard support on XXXX/XXXX/XXXX asking for the specific date of expiration of my pass. The representative said that my pass expires on XXXX/XXXX/XXXX, and I confirmed with that same representative that I can use the pass through XXXX/XXXX/XXXX. I found out today XXXX XXXX/XXXX/XXXX XXXX that my pass expires on XXXX, contradicting the information given by the representative. I contacted BarclayCard today asking if they can either extend the date or reimburse the cost of a pass ( {$100.00} ), and they only offered me XXXX or XXXX points, worth {$20.00} or {$50.00} respectively. Had I been informed of the correct date by the representative I spoke with, I certainly would have used the pass. Instead, I was misled and unable to use the benefit I intended to use when I signed up for the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the XXXX Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

RE : XXXX XXXXXXXX XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed XXXX disputes to XXXX, Equifax XXXX XXXX. As well as upload to Equifax. I have not received any results only a letter from the bureaus stating that the dispute did not come from me. This is not true my disputes are coming from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a VA home mortgage with XXXX XXXX that began XXXX. Sometime in XXXX my wife filed a bankruptcy that included only things that she owned alone. Our home in which we live was never a part of the loan, and XXXX XXXX   was assured that when they reached out to us after my wife filed. I am the Borrower, and my wife was the co-borrower. I did not know that XXXX XXXX   would stop reporting on my credit report or my wife 's. I was never told this, and upon them finding out about the bankruptcy, XXXX XXXX  reached out to us and we adamantly told them that our home was not part of the bankruptcy, but it was never implied, or told to us that they would no longer report our payments on our credit report. I was not a part of the bankruptcy and had no idea I would have this happen to me. My name is not on the bankruptcy file and I do not have a bankruptcy on my credit report. All of this came to light because I tried to refinance to obtain equity from my home, and found that I do not have a history of owning a home. In XX/XX/XXXX I did a refinance to adjust the interest rate from 5 % to 4.5 %. On my credit report, it established that I had the home for a year ( showing the refi ). But nothing after that. I filed a Dispute with experian and they came back removing the loan from my report altogether. I disputed through experian again and heard nothing, so I called. That is when it was explained that XXXX XXXX  told them to remove the entire loan from my credit report altogether. I contacted XXXX XXXX, and they explained it was their policy that if anyone on the loan filed bankruptcy they will no longer report to the credit bureaus. I explained I was not part of the bankruptcy and that we never stopped paying for our home, and never ever late. I was told it did not matter that was their policy and that they will not report on any payments we have made in the past or any payments we make in the future. So I own a home and pay for it timely, but I my credit report will not ever show this. They said their policy states they will no longer report any payments. I was told because my wife used the address in which we live, that it was included in the bankruptcy, but when questioned about that, ( because my home was " not '' part of the bankruptcy ) the representative stated " I never said it was part of the bankruptcy, but our policy states we will no longer report when one of the borrowers files for bankruptcy ''. I feel it is unfair that the 9 years and counting of good credit history can not be reported on my credit report.
Product: Debt collection

I have received multiple calls at my work regarding this hospital bill. I have spoke to two women now. One told me her name was XXXX and the other refused to disclose her name. On XX/XX/XXXX at XXXX XXXX, I received the call from XXXX. I told her that I didn't give this number out as a contact because it is my place of business. I specifically told her to remove my work number from their list because they have my cell phone number that they can call. It is going to get me in trouble with my Director if they keep calling. She said she would remove the number. The second call on XX/XX/XXXX at XXXX XXXX, I received another call from this same agency. I asked the lady for her name and she refused to give it to me. I had told her that the number she called was supposed to be removed last month and here she was calling it! She was mad and hung up the phone on me. I received another call on XX/XX/XXXX at XXXX XXXX, but no voicemail was left. Today, XX/XX/XXXX, I get into work and my Director said that there was a voicemail for me. Once again this company has called my work number and left a debt collection message on the voicemail! This is absolutely inappropriate to keep harassing me at my place of business when I have asked multiple times to have my work number deleted. I keep a log of the times that they call my work. I just can not find an address that is tied to this company so that I can send them a certified letter to stop calling me. I need to make sure a complaint is filed against this company.
Product: Credit card

StartingXX/XX/2022 discover sent me a request for my tax returns all IDs and XXXX months worth of bank statements from every account that I had and they needed to be notarized. Not only did they send it to me in an email but they also sent it to me to me through the US Post Service. My card was not usable at this time until I would submit all of this information and if I didnt, the card was gon na be closed in 14 days. With that being said, discover, then enlisted, the assistance of XXXX were then inXX/XX/2022 on the XXXX as well XXXX started sending me harassing information that was due by XX/XX/2022, and they were doing this on behalf of discover financial services. At no point in time was I asking for an increase. At no point in time do I feel that discover had the right to enlist the assistance of XXXX and I feel that my personal credit information has been violated by discover when they went in and made this request.
Product: Credit card or prepaid card

My previous employer ( SAP ) gave me some recognition award worth {$600.00} in XX/XX/2022, redeemed as XXXX gift cards and stored at XXXX : XXXX These XXXX gift ( XXXX ) cards worth {$500.00} and {$100.00} ( total of {$600.00} ) were stored at XXXX : XXXX operated by Blackhawk Network. 

In XX/XX/2022, my XXXX XXXX XXXX  account was taken over which resulted in a bunch of fradulent trasactions using my prepaid/gift cards. 

Both money and personal information ( name, email, phone number ) was stolen during this data breach. 

Blackhawk Network sent me a written letter on XX/XX/XXXX, XXXX about account takeover which is when I discovered that the money and personal information was stolen. I received the letter on XX/XX/XXXX and called their customer support immediately and asked them to reissue new gift cards worth {$600.00}. They told me dispute department will reach out via email and phone but they have not responded and have not taken any action since. I sent them emails but all emails bounced, it's been impossible to find their support/escalation email. I also filed a complaint on this site today : https : XXXX Complaint/Case number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report from LexisNexis and found inaccurate information listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as LexisNexis. Public Records cant be validated due to the FCRA Privacy Laws. If LexisNexis cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy if the Bankruptcy Court and other agencies dont verify Bankruptcies? My LexisNexis report is frozen as well so how is XXXX, XXXX, and XXXX  verifying this debt as accurate? None of the information even reported by LexisNexis is accurate. This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the MN  Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.