23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Dispute to Equifax on Monday XX/XX/2020. Because I had found a lot of fraudulent information on my Equifax credit report ; mainly 11 fraudulent XXXX  XXXX XXXX XXXX student loans same account number. I mailed the dispute and included the documentation Equifax requested be included with the Dispute. 

XX/XX/2020 I received the Investigation Dispute Results. The 11 fraudulent XXXX  XXXX XXXX XXXX student loans same account number were Deleted ; plus some other fraudulent information was Deleted. I have the Investigation Dispute Results Equifax sent me. I will upload as Proof. 

Equifax even added an Extended Fraud Alert to my Equifax credit report. I was very happy Equifax Deleted the 11 fraudulent XXXX   XXXX XXXX XXXX student loans same account number and other fraudulent information. 

XX/XX/2020 I check my Equifax credit report and Equifax credit score. I am totally shocked and upset because all 11 fraudulent XXXX   XXXX XXXX XXXX student loans same account number and the other fraudulent information Equifax Deleted on XX/XX/2020 is back on my Equifax credit report. This is a huge violation of the Fair Credit Reporting Act. Equifax must be held accountable and be made to Delete the 11 fraudulent XXXX  XXXX XXXX XXXX student loans same account number ; and the other fraudulent information that was Deleted XX/XX/2020. I have the Investigation Dispute Results Equifax sent me. Pages 4-7 of the Equifax Investigation Dispute Results, show all 11 fraudulent XXXX  XXXX XXXX XXXX student loans loans Delete
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting on my account since XXXX of XXXX with a {$1000.00} credit limit. Never used but they show it never late paid on time. They are now reporting the account closed since I disputed it with the three agencies. The problem is I never had this account. I am sure its some kinda credit card but I have never had mail from XXXX XXXX XXXX. Either this is credit fraud or improper reporting to my credit report. If they so easily closed the account after my dispute with the three agencys then its not a problem them removing them self all together, or provide me proof I opened an account with them, and how I opened this account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and TransUnion are reporting a 30 late in my XXXX XXXX XXXX as wrong information. 
I have contacted the XXXX XXXX XXXX  credit card issue and they told me that they have reported to the credit company to remove, but Experian and XXXX is decline to remove the 30 late from a report stating 30 Days Past Due and declining to remove from the credit file.
Product: Credit card or prepaid card

I received a promotion e-mail from American Express Delta SkyMiles around middle of the XXXX to use there credit card when you purchase travel ticket and get the first checking luggage free. 

Earlier XXXX, I called American Express to confirm this promotion and the customer service told me it's true promotion when you use there American Express Gold card to purchase the traveling ticket. 
I purchased my ticket around XXXX and XX/XX/XXXX. I called XXXX XXXX customer service at least 3 to 4 times to confirm the American Express Delta Gold card promotion. Likewise I called American Express customer service also 4 times where one person told me that if XXXX XXXX charge me for the first luggage American Express will reimburse me. I remembered that I called both on XX/XX/XXXX before I travel out. My phone record will proof of my contact with both partners. 
I had a receipt charged {$200.00} for the 3 luggage. I flew international flight and I am require to 2 luggage 's regardless. I called American Express to dispute the charge and I was giving credit with an e-mail conformation of the credit. A month later, the charge was put back to my account. I called American Express card customer service supervisor that promise to investigate and states to call me back in two weeks. Until now, there was know nobody call me to solve the issue till now.
Product: Credit card or prepaid card

USAA has egregiously mishandled a credit card dispute I have opened. During this process, I have filed multiple complaints with the CFPB regarding promises made by USAA and their continued inability to properly handle my credit card dispute. During this process, I believe USAA has retaliated against me and has sent me a letter threatening to close my accounts with them. 

I believe USAA is intentionally upsetting me by placing upsetting phone calls, and then threatening to close my accounts based on my responses to their upsetting outreach attempts. Today, I was called by an associate from USAA who lied to me, mocked me, and generally upset me by using phrases such as " you don't just get what you want '' and " that is not how the system works. '' This associate intentionally upset me by redirecting the conversation to points I requested not to talk about anymore. 

This phone call was not expected nor requested. The intent of the associate was not productive with no legitimate intent other than to upset me, I believe in an attempt to engineer a hostile situation where they may forcibly close my accounts. I believe this is legitimate retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been claiming to " verify '' account information for XXXX XXXX, when they have not. 
This account is a charge-off, and they are allowing XXXX to report a new one every single month for the past 3 years. Its a SINGLE charge-off and not 36 charge-offs. This has me really stressed out and i now worry about my mental health. They know This is against the FCRA ( Fair Credit Reporting Act ), because i've told them in numerous letters but it keeps getting verified. This account can not be charged off WITH a balance if its been sold to a collections company, also against the FCRA. The last " update '' to this account was in XX/XX/2017 but the account always comes back at updated/verified. Whats actually being updated? 
THis can not go on. This account is NOT being verified, they arent providing me proof, nor are they telling me how they verified it once they do it ... more fraud violations
Product: Payday loan, title loan, or personal loan

Bought Washer, dryer and accessories at XXXX XXXX on the weekend of XX/XX/XXXX the order was confirmed XX/XX/XXXX, total {$1800.00}, estimated delivery XX/XX/XXXX. The order confirmation was split into two orders, XXXX for the accessories XXXX ( washer & dryer ) and ( XXXX ( accessories ). I financed the order using Affirm which was offered directly by XXXX XXXX website. I received my confirmation from Affirrm on XX/XX/XXXX and a second email with payment schedule on XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX on the XXXX that my order was not available and they would notified my when the items were ready for shipment, on or about XX/XX/XXXX I called XXXX XXXX and they said they would have next update from the plant XX/XX/XXXX but not to worry because I had not been charged for the purchase, they don't charge until the item ships from the factory. However Affirm has me on a monthly payment schedule starting XX/XX/XXXX for {$300.00} per month due over the next 6 months, failure to make payment results in the full amount of interest being charged on the load. I received another email from XXXX XXXX pass on the XX/XX/XXXX stating the washer and dryer won't be ready to ship till XX/XX/XXXX. I called XXXX XXXX XXXX and canceled my order and asked for a refund, they refunded the accessories but not the washer and dryer as they had not charged for them yet. I followed the Affirm instructions for filing for a refund by contacting XXXX XXXX pass XXXX more times, the second time they provided a return receipt for the accessories and a email stating the order had been canceled, they said they could do anything about Affirm as they not charged for the washer and dryer. I obtained Affirms phone number from XXXX and called to resolve the issue, they said they had to wait for XXXX to process the return for the washer and dryer and advised me to continue paying on the loan or I would be charged interest on the full loan. I called XXXX back and they said the would send an email to Affirm letting them know that the order was canceled but that is all they can do. At this point I have purchased a washer and dryer from another company and am out over {$500.00} dollars with another {$1300.00} in payments and can't get my money back.
Product: Credit reporting or other personal consumer reports

This inaccuracy in my report has incredibly affected me. I believe this does not belong to me and is belonging to someone else.
Product: Credit card

I purchased cruise from XXXX on XXXX XXXX, after logging in to CiTi 's Cash Bonus Center and did everything as CiTi recommends, that is first I logged in to CiTi 's Bonus Cash Center and then clicked link to XXXX web site where I signed into my XXXX 's account. All this time, CiTi 's Bonus Cash Center web page was open as required for getting XXXX % bonus points. XXXX website required to call them to get some awards for the cruise. I called and worked with XXXX 's cruise salesperson who told me repeatedly when asked that paying on phone while you are on XXXX site linked from the CiTi Bonus cash center is the same as paying on line. 
CiTi refused to pay bonus points of XXXX % and refused my appeal on the grounds that I did not make purchase on line but on phone and what a third party ( XXXX ) who is their partner in their marketing and advertising and promotion does NOT matter and is irrelevant here. To me, if you partner with someone, you have joint responsibilities to honor your commitments. 
It seems to me that CiTi is looking for a loophole or some technicality to refuse to pay when I am out of significant amount of cash. 
XXXX
Product: Credit reporting or other personal consumer reports

The XXXX account is unfortunately continuing to be displayed on my account while the following information is inaccurate and INCONSISTENT across Transunion, XXXX, and XXXX : 1 ) Account Balance 2 ) Account Status 3 ) Open & Closed dates
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus have been notified that they are reporting XXXX card payment on my credit report from XX/XX/XXXX as late. I have called and sent letters to XXXX to rectify the situation because I have never paid them late every month I have made a payment I have payment scheduled to show Ive contacted all three bureaus. No one has fixed this they have sent Correction over to the company. The company keeps sending it back as its valid. Finally I spoke to someone in XXXX. They said they sent a letter out XX/XX/XXXX acknowledging what I said is accurate, and that they are fixing it. Theyre telling me I should wait 90 days theres no reason for me to wait 90 days when this has been reporting eight months now and incorrectly and ruining my credit. The problem is still shows on my credit reporting all three agencies as a late payment over 30 days. Consumer law 15 USC 1681 permissible purpose, states that it is a violation to report anything these bureaus want on my report without my written consent. I do not give the consent I want this removed, and Marked paid as agreed for all months for all XXXX credit bureaus.
Product: Money transfer, virtual currency, or money service

This company closed my account violating my user rights. I had my account since 2018 and I had never had any problems. I used a virtual card from my bank to send money. The platform uses the method of verifying the card before processing any transfer. Verification is done by sending a 4-digit code that can only be obtained directly from the bank. In my case, I carried out the entire corresponding process so that my transaction was successful. 
However, when I called customer service, the person who attended me transferred me to another department. The representative asked me to validate all the information and with respect to the transaction I explained that I have been a customer for 2 years and I always use remitly respecting the use and verification policies. However, the representative was rude and said that she closed my account for fraudulent activity. Never in my life have I committed fraud and less for XXXX dollars. I use XXXX XXXX and have never had a problem sending remittances. 
However, Remitly and her representative acted arbitrarily and closed my account. They have all my personal information, debit cards, bank accounts and my passport. 
This company morally mistreated me accusing me of fraud or illegal activity. I never had or have had problems and I am not involved with that type of activity. THEY DON'T ANSWER MY CALLS, THEY DON'T ANSWER MY EMAILS. 
MY EMAIL IS XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I got a loan from XXXX XXXX. I defaulted in XX/XX/XXXX and property was sold. Then it was transferred to XXXX XXXX. In XX/XX/XXXX XXXX XXXX  changed balance due from {$17000.00} to {$29000.00}. I disputed this and then they did an unauthorized hard inquiry. I disputed that in XX/XX/XXXX and they did another unauthorized hard inquiry. Since then all account info has been removed but the unauthorized hard inquires still remained. Equifax said they take a while to update. Do after waiting a year I disputed it again. Once XXXX XXXX XXXX  was contacted they did another unauthorized hard inquiry last week. I call Equifax and was told by " XXXX '' that there's nothing they could do to stop or remove them. I needed to lock my file. I talked to XXXX in there lock Dept and she said they could remove them but I would have to be transferred back to dispute Dept. Well this time " XXXX '' answers and says there's nothing they can do. But amazingly XXXX and XXXX sound like the very same person on the phone and when I told her this we got disconnected. So I need help. If I contact the company they will just do another hard inquiry. They are doing it just to affect my credit score. I finally got my credit back to fairly good since my divorce in XX/XX/XXXX and having someone run up over 89k in debt in my name.
Product: Vehicle loan or lease

on thursday XX/XX/XXXX i found a buyer for my auto. im in the final year of installments and i have struggled to make the almost XXXX payments. the new buyer sought financing through the local credit union. they needed payoff and a copy front and back of the title to proceed with purchase. they received payoff but not copy of title. i contacted truist again asking to a copy of title to be sent to the new lender. they stated i could not have a copy of the title until loan was paid off. i explained that i was trying to sell auto and the credit union not myself needed this. i spoke with them again on the XXXX where they informed me that since the account was past due i couldnt get a copy of my title. i told them again im trying to pay you off but the new lender needs this to proceed with transaction. they transferred me again to only be told that i could not have a copy until loan was paid off. i understand i cant get the original title but please explain to me what harm it would do to send another lender a COPY of the title. they have caused me great XXXX  and possibly a missed opportunity. the orignal amount was XXXX ive paid it down to XXXX
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way! 

dispute_item_and_explanation } 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: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX  ( formerly known as XXXX XXXX at both addresses listed on my credit reports ( one in XXXX XXXX, CA and the other in XXXX, Tx XXXX. I wrote several letters requesting validation that I still owed {$230.00} XXXX according to my XX/XX/XXXX credit reports which showed a charge off and recently that amount increased to {$250.00} - as of XX/XX/XXXX ). 
The company did not respond in a timely manner. First letter sent certified mail on XX/XX/XXXX, second XX/XX/XXXX, third XX/XX/XXXX. I received a response with no validation on the balance owing, a request I made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act. 

I sent a request to both Experian and XXXX  on XX/XX/XXXX and never received a response. 

Please investigate.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I was alerted my credit scores has dropped due to a closed charged off account from ally financial that has been allowed to report on my credit again and now its reporting as open once again but its charged off.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against Equifax, XXXX and XXXX   regarding XXXX College. I have disputed this account several times as well as asked them to provide proof that this account was mine. On my credit report it states under the comments, " Debt included in or discharged through Bankruptcy Chapter XXXX. '' I would like for Equifax, XXXX and XXXX to provide me with proof that they received evidence of this account. I have sent letters to XXXX as well as disputed with the credit reporting agencies. XXXX never responded to my complaints and the credit reporting agencies claimed they were verified but never provided me with proof. The high amount it states is {$2500.00}. It currently states a XXXX  balance but I want proof of the account or I want it removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report these is an account with the United States Department of Education with a balance of {$1.00}, XXXX. This account is attached to the XXXX  XXXX XXXX in which they agreed to remove from my credit file as they as under investigation for multiple things. Also, it is reporting as delinquent and the DOE said they only reported this account twice
Product: Debt collection

I have been receiving robo-calls from Navient regarding a debt for a person that I don't know. The calls started out once or twice a week, then ramped up to once a day. After contacting them via phone and explaining, this is a place of business, I have been receiving twice the calls, the last one today, XX/XX/XXXX. I don't mind speaking with an Agent, even though the debt isn't mine in the hopes of resolving the issue. However, these calls are from an automatic messaging system, so you need to call them back and wait for 10-15 minutes to get a live person. Each person is cordial enough and tell you that they will take you off the list, then you receive two calls the next day. Please assist in fixing this issue. I'll provide all the pertinent information. Since, this is a business line, we've got all inbound and outbound call data saved.
Product: Checking or savings account

On Sunday XXXX XXXX, 2021 I reported a fraudulent transaction on my Capital One Checking a/c to Cap. One Customer Service. The fraud unit ( Customer Investigation Unit ) was closed so I could only place a consumer directed hold on the account to prevent further fraudulent debits. 

Monday being a bank holiday, I had to wait till XXXX XX/XX/XXXX to reach the Capital One fraud unit. My conversation with the representative was very odd, there was no recognition of the fraudulent nature of the transaction, I was given no case number, no timeframe for response, nothing was said about protecting my account. 

A day later a phone message said to call Capital One, but the number given was not answered and there was no voicemail. 

When I called Capital One customer service I was told, after one hour on the phone that I must appear at the bank branch to sign an affidavit reporting the fraud. 

Today, XXXX XXXX XXXX, 2021 I appeared at the branch where filed the required affidavit. I still do not have a case number or any expectation of a response or resolution from Capital One. I asked for a copy of the affidavit and was denied this request. 

I am reporting this issue because the 'electronic ' check, issued by Capital One is clearly fraudulent, the debit to my account is clearly fraudulent, and the activity is out of character with any account activity. 

The fraudulent electronic check has no signature of any kind, there is no endorsement by me on the back of the check and yet Capital One has said that electronic checks of this nature are acceptable.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX regarding their handling of my dispute concerning an account that does not belong to me. I believe their recent request for a picture of me is unreasonable and not in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have already provided an FTC report as part of the dispute resolution process, and I find the request for a personal picture to be intrusive and outside the scope of what is required for credit reporting accuracy. 

I kindly request the CFPB 's intervention to ensure that my rights under the FCRA are protected and that the resolution process adheres to the established guidelines. Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance.
Product: Checking or savings account

My Account should never been frozen. 
{$20.00} was the XXXX I could overdraw. 
I had overdraft protection. 
I was told when my account was above XXXX it would immediately be unlocked. 
My account was not unfrozen when Deposit of {$23.00} went through on XX/XX/XXXX Account still unfrozen when deposit of {$50.00} went through on XX/XX/XXXX please help unfreeze my account so I can resume normal life.