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

Hello, On Saturday morning, XX/XX/XXXX, near XXXX XXXX, I called an XXXX  to go home. I was waiting for my XXXX  outside the XXXX  XXXX in XXXX when I hoped into a car who claimed to be XXXX. It was very late at night so I didn't recognize. Once the trip started, I found out it wasn't my XXXX. The lady said she made a mistake. I immediately cancelled my XXXX  through my phone. She said I could pay her by using the credit card processing machine in her car. I said yes and input my card and entered my pin. She saw me putting in my pin number. She looked at the machine and said the transaction didn't go through. However, she said she feels bad for wrongly picking me up and causing me to miss my XXXX. 

Everything was fine until on Sunday, XX/XX/XXXX, afternoon, I checked my wallet and it did not have my debit card. I panicked and checked my bank statement. There were 4 fraudulent transactions that had occurred. One at a XXXX XXXX ATM ( not my bank ) for {$800.00}, one at XXXX for {$330.00}, one at XXXX for {$300.00}, one at XXXX for {$330.00}. 

My bank, Regions Bank, has denied my dispute twice despite me filing a police report. They have even gone on to said they won't look at the CCTV footage and if the police were to provide it for them, they wouldn't consider it since my PIN was used. They claim since my pin was used, I am liable. They are not considering my PIN is compromised.In short, they are saying a PIN can never be stolen. They are saying there is no such thing as PIN fraud. I am deeply angered and hurt that my heard earned money is not being refunded to me by the institution that promises to safe guard it. Please help me get my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and injurious to my score. I feel like I'm being taken advantage of for being ignored by my disputes. I feel that this accounts are adversely affecting my credit report and costing me XXXX of dollars in interest every year this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts I need this problem get fixed asap
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX XXXX XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ; XXXX XXXX XXXX XXXX, under the account number ( XXXX ) on XX/XX/XXXX XXXX XXXX under account number ( XXXX ) on XX/XX/XXXXXXXX XXXX, under account number ( XXXX ) on XX/XX/XXXX XXXX XXXX, under the account number ( XXXX ) on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or Initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I returned all XXXX equipment in 2015 as the attached receipt shows. The collection agency Stellar Recovery has never validated the debt or attempted to contact me about this erroneous collection. This company is highly disreputable since they are knowingly using false collections and information to hurt ordinary Americans.
Product: Debt collection

Got an email from them. See attached emails. Whoever this company or person is this is a total scam. See the XXXX links below. 

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

Three credit reporting agencies- Experian, XXXX and XXXX are incorrectly showing my XXXX XXXX XXXX loans as open. I applied for public service loan forgiveness and on XXXX all of my loans were transferred from XXXX to XXXX which should have resulted in a closed account with {$0.00} balance for my XXXX account XXXX That did not happen. For about 5 months, my loans were " double reported '' - incorrectly showing the same loan balance twice. For example, if the total student loan balance were {$100000.00}. My credit report incorrectly showed a total of $ XXXX {$100000.00} for XXXX and {$100000.00} for XXXX. 

In XX/XX/XXXX, my student loans were forgiven under the public service loan forgiveness program. My credit report was partially updated and no longer shows a balance for XXXX. However the incorrect XXXX information which should have been updated to {$0.00} in XX/XX/XXXX is still showing. I filed disputes with the credit reporting agencies and they are not removing the incorrect information. Prior to the dispute, the last update from XXXX is XX/XX/XXXX. I do not know what steps I can take.
Product: Credit reporting or other personal consumer reports

My XXXX loan balance is not {$170000.00}. Some of it was discharged recently and down to about {$100000.00}
Product: Debt collection

Enhanced Recovery Company reported an alleged debt to the credit bureaus on XX/XX/2021 without first sending a debt validation letter to me, which violated my rights under FDCPA Section 809 ( a ). This caused my credit score to drop drastically.
Product: Bank account or service

I wish to make a complaint against Santander Bank. 
All the banks I do business with post the interest on the last day of the statement cycle. Then the cycle ends at XXXX and the statementis printed to be sent out or available online. XXXX posts theinterest on the XXXX day after the statement cycle ends. In that case Iloose XXXX day of interest compounding. So, then the effective rate thatis incorrect.
Product: Credit card

My credit card was used by someone else ( which I do n't know, it was all made online ). It is under investigation due to fraud and when I called Capital One they said they could take up to 90 days until they solve the issue. Also, I closed my secure credit card with them because instead they give me a credit card for people with better credit. However, in my credit history looks like I have XXXX credit cards with them. They are a mess and I 'm just trying to have a good credit.
Product: Credit card or prepaid card

Applied for and received an American Express XXXX XXXX XXXX ending in XXXX. I complied with terms of the promotional offer but was not awarded my welcome bonus. I confirmed twice during phone calls that I was eligible, but the bonus was not honored. On XX/XX/2021, I was told it was not honored because I have a credit card with XXXX. First, I did not authorize my information to be shared under Regulation SP. Second, I do not have the exact card with XXXX. Of course, I was told the exact opposite and relied upon that in both opening and using the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a Dispute. I am a Victim Of Identity theft. Please do not act in violation of the FCRA 605B, 615 ( f ) and 623 ( a ) ( 6 ). As the consumer, I have done my part in reporting this to all necessary authorities including the FTC and Local Police Dept. My Signature on the FTC report serves as my sworn statement. 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable V
alidation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THEFT ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18 USC 1028A Aggravated Identity Theft 18. Invasion of Individual and Family Privacy
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Community National Bank a Cease & Desist order. They are reporting fraudulent information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Credit card or prepaid card

I have had this card for several years and pay my balance in full every month.In the last three months they started charging interest claiming that you must pay the entire balance in full, whatever they have on the statement, regardless of whether you made a return to the store before the end of the statement period. The topper is that you must the pay interest the next three months until you get back in their good graces!! This is regardless of whether you paid in full and on time.

Then you have a credit balance which they will return to you within the next couple of months! 
My credit score is in the 800s and I have never heard of anything so ridiculous before. 
I have spoken to two layers of management and their comment is Comenity gets paid first regardless of whether you owe them that money or not. XXXX, XXXX etc. do not do this. You can pay exactly what you owe. 
I had a credit before the end of the billing cycle and I checked my balance on line and paid in excess of the amount due and that wasnt good enough, I had to pay the amount on the statement regardless of whether I owed it or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 45 days, so they should be erased immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX Account Number : XXXX XXXX/ Experian / XXXX XXXX XXXX  Account Number : XXXX XXXX/ Experian/ XXXX XXXX Account Number : XXXX XXXX/ Experian/ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30-day late payment on my payment historical record for the month of XXXX on my mortgage account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX which date was opened on XX/XX/2018. I submitted a dispute previously for the same issue, the credit bureaus only fixed part of the issue but did not correct the entire issue. The only updated the account status and removed only one late payment in the history for the month of XXXX, but not for XXXX. The 30-Day late payment should not be there and was put on the credit report as an error on XXXX XXXX XXXX XXXX XXXX end. I have a letter from XXXX XXXX XXXX XXXX ( Mortgage ) stating that it was their error and they was going to remove the 30-day late payment for the month of XXXX and for XXXX, but XXXX is still reporting as 30-Days late in the historical record, which needs to be updated and the XXXX late payment needs to be removed immediately. I have disputed this account with XXXX, Equifax, and XXXX and they have not removed/updated this account to reflect a " never late ' payment status for the month of XXXX or a " Never Late '' on my credit report and XXXX, Equifax, XXXX and XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this 30-Day Late Payment from my mortgage account for the month of XXXX immediately and if it is not removed, I will be filing a lawsuit against XXXX, XXXX, Equifax, and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment for XXXX from my credit report. I have attached a copy of a letter which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this 30-Day Late Payment is an error on their end and for the credit bureau to update the record to show pays as agreed and a never late status for the month of XXXX. Therefore, I have attached it to this complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I asked multiple credit companies that charged off my accounts to provide me with a 1099C. I have not received a 1099C from any of the credit companies. I am in the process of cleaning my credit report after not being able to work and pay my bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Sirs : Reference my complaint, No. XXXX : I submitted a timely dispute of Equifax 's response to my complaint. 
I have not received any reply to the dispute of Equifax 's response. 


They lied when they said they contacted me about a " promotional block '' last fall. 
I can forward the weeks-long chain of email inquiries with them. 
More importantly, they failed to answer the question concerning whether they betrayed my trust and sold my personal information to outside, non-credit or bank-related entities. ( I.e. Advertisers! ) I also did not receive a reply from the CFPB. 
Were Equifax 's actions legal? 
They act in a " quasi-governmental '' role and are even referred by numerous US Government agencies and websites. 
Was their disclosure of my PII to commercial entities legal? 

Thank you. 
XXXX XXXX
Product: Checking or savings account

I noticed a withdrawal on my checking account made on XX/XX/XXXX using my debit card for {$2000.00}. 
The withdrawal was made on XX/XX/XXXX in branch at XXXX XXXX. 

My husband and I went to the bank on XX/XX/XXXX, our local branch on XXXX XXXX in XXXX, to talk to manager XXXX XXXX XXXX and asked for assistance regarding the transaction in question. 

The manager immediately closed the debit card and took notes on this {$2000.00} withdrawal and 2 other charges to our account. The other 2 transactions were dated on XX/XX/XXXX our card being used in XXXX XXXX for a hotel and the associated International Purchase Transaction Fee. We were told by XXXX that someone from their fraud department would call us within XXXX to XXXX hours. No such call came. 

On XX/XX/XXXX I received a letter from Wells Fargo that the claim had been reviewed and it was determined that the withdrawal was valid either by me or someone whom I had given my permission. 

Back to the branch and XXXX, who stated that I had been contacted on XX/XX/XXXX by the investigator on this claim # XXXX. 

Again on XX/XX/XXXXXXXX XXXX stated I would be contacted by an XXXX within 24 to 48 hours, On XX/XX/XXXX @ XXXX I again went to speak to XXXX XXXX and was reassured I would be contacted via e-mail regarding this claim. 

I have exhausted my patience with this bank and am very upset at this lack of customer service. XXXX  XXXX not coffee money, it is a huge amount of money for a retired couple living on a fixed income! 

I appreciate your attention to my complaint and wait to hear from you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I sent Equifax a certified letter stating that I want them to delete the XXXX  XXXX bankruptcy from my credit report or send information who obtained this information on my credit report. I get no response so I called Equifax and I talked to agency about the bankruptcy and he stated that XXXX reports to the credit bureau. So I wrote XXXX a letter demanding them to delete this bankruptcy from my credit report that the United States Bankruptcy Court do not report to credit bureau nor no agency. ( See attached letter ) I want this deleted from my credit report IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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
Product: Debt collection

XXXX - A new entry appeared on my XXXX credit report for : I C System Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Amount {$250.00} I do not owe any debts that I 'm aware of, nothing past due. When contacting the company, they refuse to share any information about this unless I provide my sensitive personal information ( full name, address, DOB, SSN ). I 'm not comfortable providing this information to some unknown company that just dinged my credit report. I have not received any prior mail, email, or phone call regarding this alleged debt. Do I have any recourse other than paying an attorney to dig into this?
Product: Credit card or prepaid card

Hi I have been a loyal customer of Chase bank for years. And I just received a letter from Chase Bank XXXX XX/XX/2022. It's a notice about they will shut down all my accounts, including my deposit account and credit card account. But they didn't tell me the reasons why they did it. I have already tried to call them, but they still didn't tell me why and they are refused to reopen for me. I used their credit the most for my everyday use. It's really inconvenient that they just closed all my accounts and it's also not right. Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts listed on the report. Please remove all fraudulent accounts, as it is harming my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

I am filling 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 process 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations..
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

US Dept of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX