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

On XX/XX/2023 I was traveling in XXXX XXXX, XXXX and stopped at a XXXX XXXX XXXX in XXXX XXXX to get gas. I handed my card to the clerk to pay for gas. He turned towards the pump to ring me up, which caused his back to be to me, to charge the transaction. He acted like the card wasnt reading. After he turned back towards me I noticed he had the card reader in one hand and his cell phone in the other which I thought was strange. He returned the card to me, I left the gas station and immediately pulled over to lock my card as I had a feeling something shady had just occurred. It was too late as the charge for gas was on my account as well as another charge for {$1300.00}. I immediately called Barclays to report the fraud. I also attempted to find a police station while on the phone with Barclays to report the theft. If they have the phone recording of our call, you can hear me clearly very distressed. I waved down a policeman and attempted to ask where the police station was. I also tried to tell him that my credit card had been stolen by the gas station attendant. Unfortunately, Neither of us understood the other. Due to the language barrier and XXXX maps providing incorrect information, I never found the police station after over an hour of searching. I did the only thing I could think of to hopefully help other travelers avoid this situation/gas station and posted my experience on a XXXX travel forum on XXXX. 

Barclays initially removed the charge. Then, on XX/XX/XXXX I received a letter from Barclays dated XX/XX/XXXX stating they determined the card had been in my possession and the charge was valid. The card was absolutely not in my possession, it was in the possession of the gas station attendant who ran a fraudulent charge and illegally stole my information. 

I called Barclays who informed me I needed to fax a signed statement as to what occurred. I submitted this statement on XX/XX/XXXX. 

On XX/XX/XXXX I received another letter from Barclays dated XX/XX/XXXX saying that they determined I was responsible for the charge as I failed to maintain security of the card. I am dumbfounded by this finding. I had to pay for gas so I had to hand my card to the attendant. I did not know he was running an illegal, unauthorized, fraudulent charge on my card until after I left the gas station and checked my account. 

I am shocked at Barclays handling of this situation. I have had an account with Barclays for several years. I have never missed or been late on a payment and have never had a fraudulent charge before this.
Product: Payday loan, title loan, personal loan, or advance loan

We took out a loan with one main financial in XXXXXXXX XXXX in XXXX XXXXXXXX dollars which wasnt all at once it was over a few years. when Covid hit it was hard for us to make payments they also told us in order to get the loan we have to sign for the add ons which they didnt explain at all other than it was for our protection for the loan. We are now having our paychecks garnished because of this. The branch that was in XXXX ky has since closed its doors go figure and we cant get ahold of anyone we also have our original paperwork from this as well. We would really like this resolved as soon as possible and any all reimbursement paid back do to their shady policys. And lying to our faces.
Product: Debt collection

On XX/XX/2022, I had returned from a long underway to find out a collection on my credit report due to payment not being made for my ohne bill with XXXX. I immediately contacted XXXX about the recent collection made on my credit report and how I could get it reviewed or dispupted. I explained to them my unfortunate circumstance as to why payment couldn't be made, which is solely due to XXXX XXXX and or XXXX ; with no internet access it made it quite difficult to make any payments. 

I kindly requested and or disputed to have the collection on my credit report with XXXX removed due to XXXX XXXX XXXX understood my request and asked I should provide proof of XXXX  or a copy of XXXX XXXX  I submitted all document as requested for the review. 

Unfortunately XXXX failed to report back of their findings or investigation whether it being through email, mail, and or a phone call. I gave them a call back to find out the status or my dispute, I was told that the charges are all valid and that they can not make any changes. I was told by their repersentative to reach out to the third party company " RPM '' ( Receivables Performance Management ), that's handling the collection, to dispute with them. I did so by reaching out to them and made a dispute to have it removed due to XXXX XXXX. 

They got all documents and got in contact with XXXX once again. XXXX reported back to RPM stating that the charges are valid and wont remove the collection, even after I provided, and as requested by XXXX and RPM, as proof in order to remove the collection XXXX XXXX XXXX and transfer documents from the XXXX to both parties. 

XXXX and the collection agency refuse to cooperate and or take into consideration my absence and or reasoning behind my defaulted payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent removal of the account and credit inquiries listed below from my credit report. I am a victim of identity theft due to a data breach, and these items were fraudulently added to my credit file without my authorization. This request is made under the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). 
Fraudulent Account : 1. UNAUTHORIZE COLLECTION Account # 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

XX/XX/XXXX - I received a delinquent letter in regards to XXXX CITY TAXES ; AMERIHOME MORTGAGE COMPANY was contacted to check on the status ; AMERIHOME MORTGAGE COMPANY notified me the taxes were paid in XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX - I was in contact multiple times with both AMERIHOME MORTGAGE COMPANY and the XXXX CITY TAXES ; they played " he said, she said '' ; the AMERIHOME MORTGAGE COMPANY said it was paid ; the XXXX CITY TAX DEPARTMENT said they didn't receive it ; AMERIHOME MORTGAGE sent me a receipt showing when it was paid ; XXXX CITY TAXES said that the receipt would not suffice because it did not show that it was paid by the clearing house and therefore was void XX/XX/XXXX - I emailed AMERIHOME MORTGAGE COMPANY with the delinquent tax notice saying it was still not paid ; they claimed they had resolved the issue XXXX XXXX I received a new tax bill for XXXX ; this still showed that the XXXX CITY TAXES had not been paid ; I called the XXXX CITY TAX OFFICE to confirm ; they said they still haven't received the payment ; I called AMERIHOME MORTGAGE this morning ; none of the representatives would let me speak with a supervisor ; one AMERIHOME MORTGAGE representative told me that there are three open " tickets '' or " work orders '' in regard to this ; she said I could call back tomorrow and speak to a supervisor when all the " work orders would be closed '' I am scared that my house will go into foreclosure because of unpaid taxes. I owe 82 % pf the remaining balance to AMERIHOME MORTHAGE COMPANY ; I have asked multiple times to speak with someone to get the escrow removed from my account and to pay the taxes myself to ensure payment on time ; AMERIHOME MORTAGEG will not let me speak to someone to do this So - my XXXX XXXX CITY TAXES are still delinquent ; I can't talk to anyone in charge at the mortgage company to resolve this ; I have somehow been paying these taxes in escrow yet the money is unaccountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

ear Sir or Madam : I am concerned about the validity and accuracy of Experian 's recent investigation of the following accounts that are reporting on my credit report : DEPT OF EDUCATION/XXXX   XXXX {$9000.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$3900.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$6700.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$3900.00} XXXX DEPT OF EDUCATION/XXXX   XXXX {$5100.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$7200.00} XXXX DEPT OF EDUCATION/XXXX  XXXX {$5100.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$6600.00} XXXX XXXX/XXXX XXXX {$560.00} XXXX On two separate occasions, I have requested an investigation because I felt these items on my report were not being reported legally. I received a letter stating that their investigation complete. My initial dispute was detailed and directly related to the accounts in question. 

The Department of Education was not able to validate any information after I sent a certified letter to them. Experian stated that everything was verified but showed no evidence of this after I asked them to supply the information. These accounts should have been deleted from my account and should not be reporting to the other CRA because proper and legally required validation and verification did not take place. 

I've followed the legal and rightful process to dispute these accounts several times with the bureaus through written and signed requests regarding being a victim of identity theft. The letters were sent through certified letters, with USPS tracking numbers. Each letter was signed and received. 

The sole purpose of this letter is to inform you that I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX on XX/XX/XXXX to ask why my transactional history with my credit card was being shared with non-affiliates ( XXXX, XXXX and XXXX ). 

XXXX XXXX and its subsidiaries violated my privacy rights under the Privacy Act of XXXX. You have allegedly shared my private transactional information with XXXX, XXXX, and XXXX direct contradiction to your disclosure statement, which asserts that you do not disclose private information to non-affiliated parties. They use the term " may ''. There is no explicit acknowledgment that they're " required '' to report my transaction history. 

I am astonished to find that XXXX, XXXX, and XXXX consumer reporting agencieshave access to my account details despite the confines of your disclosure agreement. This act seems to be in stark contravention of the 15 U.S. Code 1681s - Administrative enforcement and the 15 U.S. Code 1681b ( c ) ( 1 ) - Permissible purposes of consumer reports, hence constituting a breach of compliance. 

As proof of this claim, I have enclosed copies of the consumer reports provided by XXXX and XXXX, which include my account information. 

Considering the aforementioned circumstances, I am invoking my federal right to opt o-utof any future sharing of my transactional information with XXXX, XXXX, and XXXX. I am taking this step to ensure my rights to privacy are services respected, and to avoid potential misuse of my personal information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not + comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions 12 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I completed forms for the XXXX & XXXX certification and application were submitted for time periods that I worked full time at the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX, XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) were submitted on XX/XX/2022 and XX/XX/2022. However Mohela did not count these time periods as part of my qualifying payments under XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX  XXXX on my credit report for months now. Today I received a letter from XXXX  XXXX XXXX stating that I openend this account back in XX/XX/XXXX. First off this is old information ( over 7 years ) and secondly the information they put in this letter is wrong. I did not make any payments after XX/XX/XXXX. I don't no where they are getting there information from but it's wrong. I checked with my bank but due to being over 7 years they are unable to verify from that far back. There was fraudulant activity done on this card back in XXXX. I contacted the bank immediately back then and told them that I did not make these cash advances nor purchases. Today in XXXX this account is still reporting negatively on my credit reports and is affecting my credit score. XXXX  XXXX XXXX is stating it will remain on my reports from the date of the charge off. Well they charged it off in XXXX. This is not my issue. I contacted them and told them of the fraud back in XXXX. I want this information removed off all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got 6 alerts for new inquiries that I never applied XX/XX/XXXX on XXXX XX/XX/XXXX on Nordstrom XX/XX/XXXX XXXX jewelry I did the claim for the other two news inquiries
Product: Debt collection

On XX/XX/XXXX, I initiated a formal request for documentation to both verify and validate the alleged debt for account # XXXX. Despite the considerable time elapsed since my initial request, I have not received any documentation containing the comprehensive information I stipulated. Specifically, I require documentation bearing all the requested information, including my wet ink signature alongside the purchasing agreement. Additionally, the certified mail receipt bearing my signature must be provided promptly. I must emphasize that as per the legal precedent set forth by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), it is unequivocally mandated that debt collectors furnish verification of the debt upon the consumer 's request. Regrettably, XXXX XXXX XXXX XXXX has failed to adhere to this obligation. This egregious oversight constitutes a flagrant violation of the Fair Debt Collection Practices Act ( FDCPA ), as outlined in 12 CFR 1006.18. Furthermore, despite inaccurately reporting to XXXX that this information has been disputed, XXXX XXXX XXXX XXXX has failed to furnish any accompanying documentation, thus perpetuating falsehoods, deception, and misleading information. This egregious conduct not only violates statutory regulations but also undermines the integrity of credit reporting systems. I demand immediate rectification of this matter. Failure to provide the requisite documentation within a reasonable timeframe will compel me to pursue legal recourse, which may include seeking damages up to {$2000.00}, as stipulated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you again because I requested that a Fraud account be removed for XXXX XXXX from my TransUnion credit report.. I explained that I am a victim of identity theft and that is hard enough but you responded by saying you received my complaint but it didn't appear to have been communicated by me or a properly authorized third party. This is the main reason why I am sending a complaint about this company. It is always some reason why they can't fix my Issue. MY name is XXXX XXXX and I am the one that is sending this complaint nobody else. AGAIN I am asking that you delete this fraud account and these inquries that I did not authorize to view my credit for XXXX XXXX, XXXX XXXX, XXXX card, XXXX and XXXX XXXX. This is the second time I have had to complain. 
This is my third time sending my request. I feel that Transunion just keeps sending computer generated letters. There is no way that a person is looking at this complaint & keep saying the same exact thing. It is against the LAW to report known FRAUD accounts.
Product: Checking or savings account

I received notice via mail on XXXXXX/XX/year> that my Marcus by Goldman Sachs account was being closed and the letter advised me to transfer funds to a linked account. The only activity on this account is transfers to and from a XXXX linked checking account that is my primary banking account. 

Upon attempting to login, I found that my account had been locked. I called the advertised " 24/7 '' number and was told to call back later as no one could help me on a weekend. This is unacceptable. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is my savings account that pays for his care. Without access, he may have gaps in care due to nonpayment. I am outraged.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$120.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 seven 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, credit repair services, or other personal consumer reports

Lexis Nexis is not getting the information from the courts as the response states, they are accessing a system ( XXXX ). I contacted the courts directly and they do not report to the credit bureaus or Lexis Nexis, I also contacted XXXX who also stated they do not report to Lexis Nexis or any other credit bureau. The information is incorrect and needs to be removed since they are not getting the information from the Bankruptcy Courts. According to the FCRA, only the original creditor or the entity to whom the debt was legally assigned can report an account to credit bureaus. Upon reviewing the information on my credit report, I have reason to believe that this account was reported by a third-party collection agency that does not report to Lexis Nexis. The information is inaccurate and needs to be deleted from my credit profile. I have stated over and over that this information is incorrect. They have not investigated the information I provided. I spoke to someone at Lexis Nexis who said in a recorded call that they do not send the information to the credit bureau. They also sent me a letter stating it would be removed and that has not happened.
Product: Mortgage

I have a pandemic household hardship that I requested assistance on that ended XX/XX/21. I have been trying to work with Bank of America since that time. I originally asked for a modification and that increased the PITI by 30 %. Then on XX/XX/21 I requested the deferment and followed all of the instructions provided to " opt of out of the flex modification '' and to request " the deferment '', so I did that ( and I have verification the fax was received that day, but had to re-fax it to two more times later that month, all of which where delivered ). I asked how they knew I could afford that monthly payment, as I was not asked for my financial information. I was told a financial interview was done on XX/XX/21. Then, after a number of phone calls, I was told on XX/XX/21 that the financial interview ( what I call taking an application by phone ) was not done, so we did it that day ( I provided all of the financial information income, debt, etc. ). I then received a call XX/XX/21 and explained that I applied for consideration of " all loss mitigation '' options on XX/XX/21. I was told it was not assigned to an underwriter, but that he forward it to an underwriter at that time. I have spoken with 9 different people and I have no direct point of contact. At least, no one with a direct phone number or voicemail that I can reach ( but supposedly a name is assigned ). Each phone call is like starting over and accomplishes nothing. On XX/XX/21 I made a final attempt to reach out and I was told they would mail me another application to fill out and return. My question is, what happened to my financial information provided on XX/XX/21 over the phone? No answer to that question.