23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My credit score has gone down by XXXX points in 6 months. I have no open credit cards. I have had NO cards for over 10 years. I am trying to discover WHY my score keeps dropping? Last summer it was XXXX. Yesterday via, XXXX XXXX, it lists at XXXX! 
I am a small business owner and I 'd like to determine my correct credit standing. 
There is an old utilities bill on my report that I disputed months ago. The agencies required ( XXXX ) hard copy proof of ID and residence which I sent. I never heard back except with the same report. They did not address the inquire. They also stated I had excessive numbers of inquires. That 's ca n't be the case except for VERY recently with one last month and one last week. These are my very first applications for credit in over 10 years. What else would constitute a inquire if it does not come from an application I fill out myself. There reports are hard to read, in super small and " XXXX '' like format on the printed page. It would be appreciated if they could update their report layout for better clarity and understanding.They do n't address your questions and bog you down with copies. 
I 've lived at the same address for over ( 6 ) years and have not applied for more than ( XXXX ) lines of credit. Only XXXX was a CC and that was only yesterday. The other was with a XXXX to XXXX loan that turned me down. 
The utility is has been on my report for ( 6 ) years. 

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

I am writing to file a complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level. I need the following items removed as soon as possible : 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. I have attached copies of the dispute letters I have sent to the credit bureaus, as well as documentation proving the fraudulent nature of the items in question. Despite this evidence, the credit bureaus have failed to investigate my dispute and continue to report the fraudulent items on my credit report.
Product: Debt collection

I signed up for this service and was unsatisfied with it. Within the contract it clearly stated that I had 30 days to keep the service or cancel and return the box and remote. After one week of service, I was not satisfied with it and returned to my previous television provider and had a box sent to me to return the equipment. I have made several attempts to resolve this, however, the company is charging me for service that I did not have for more than a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Misleading false reporting unverified/inaccurate last date activity XXXX XXXX Account Number : XXXX FDCPA section 807 violation misleading false reporting 5. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 6. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 7. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX FDCPA section 807 violation misleading false reporting
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 practice, which violated the consumer financial protection act ( CFPA ). Specifically, cash app failed to take time and effectively measure to prevent 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 air resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconveniences and financial loss. I see appropriate redress for these violations.
Product: Debt collection

DEAR SYNCB/AT HOME XXXX ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit card or prepaid card

American express has been posting wrong charges on my account since XX/XX/XXXX, and I have contacted them 4 times, they refused to issue refund and accuse me of being wrong. They wasted lots of my time and the issue is still not resolved. 

Here is a list of charges with date and amount : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX
Product: Payday loan, title loan, or personal loan

My complaint against Comenity Capital Bank is based on their cancellation of my line of credit without prior notice. I have had this account since XX/XX/XXXX with an excellent payment history. I had been using this line of credit from XX/XX/XXXX until early XX/XX/XXXX to pay for XXXX  services. However, due to the pandemic, my XXXX  office was not in service and I therefore did not use my line of credit. I was notified via alerts from the credit bureau that my account had been closed. 

This unexpected cancellation caused me a terrible inconvenience and it affected my credit utilization. When I inquired about why my account had been closed, I was told they were not required to notify to give prior notice that my account was being closed. They also disclosed that the reason the account was closed was due to inactivity because there no new charges on my account. This is unacceptable. 

I have requested that my account be reinstated with an additional line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX - XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

My XXXX and XXXX mortgage was with XXXX Bank, I requested a mortgage modification for the XXXX and XXXX mortgage because I had a XXXX % reduction in pay. XXXX did modify my XXXX mortgage and reduced the mortgage payment. XXXX refused to modify the XXXX mortgage'they transferred the XXXX mortgage to ClearSprings Loan Services of which is a subsidiary of XXXX mortgage. I have received a Final Demand Letter from them. I want to settle on the debt. or they do a debt forgiveness.
Product: Credit card or prepaid card

Chase Explorer Card was billed with a wrong charge for the amount exceeding {$2700.00}. Chase, when contacted, supposedly reversed charges. The reversal appeared in line charges but was not reflected in the statement total. Chase, when contacted again, supposedly made the same adjustment but the problem still persists. To top this, now they have added interest charges to the statement. I have spoken with regular customer support as well as their Fraud Prevention Department and they still continue with adding the charges to the total but not  showing on line charges. This can be easily be missed if one was going to trust Chase and not take time and verify charges on the statement. I feel that after having given multiple opportunities to Chase, continuing to see this charge is an intentional fraudulent practice by Chase and Chase need to be investigated for such practices and brought to justice.
Product: Checking or savings account

My employer attempted to directly deposit my paycheck into my Checking account. They have successfully deposited into my account since I began my employment. The bank then declined the direct deposit from my employer. There were no alterations or changes to any information with my employer or my bank. The bank has at this time decided to reject my paycheck. After discussing with my employer, they have said that the bank is still holding the rejected paycheck funds and have not returned them. After a second discussion with the bank, they advised that there is no record of my employer sending the funds ( my employer provided me with the evidence that the funds were sent ), they advised there was no record of my call to discover why my direct deposit was never received and that they do not see anything that would indicate that they have the funds that have yet to be returned to my employer.
Product: Checking or savings account

My Wells Fargo account was closed in XXXX XXXX XXXX ( I did not have a debt when the account was closed ). Prior to my account closing I purchased an item using XXXX which cost {$1100.00} - this item was refunded by the merchant XX/XX/ ... after my Wells Fargo account was closed. At first the refund bounced back to XXXX, but the 2nd time, it went through. XXXX have showed me proof that the funds went through and have given me the resources that would help Wells Fargo locate theses funds ( such as the ACH Reference Number ). I went in person to Wells Fargo to start a claim, but the employee described the reason for the claim wrong. I am not asking for a refund, I am asking for the location of a refund that has already been sent. I have proof that XXXX already has sent my money to Wells Fargo and I am asking for the whereabouts of this money. I keep being told that " the timeframe for requesting a refund with the merchant expired '' ... I know this, I am not asking for a refund, I am asking for proof that Wells Fargo does not have the refund, such as an ACH rejection reference number or something similar. Every time I talk to Wells Fargo on the phone they put me on hold or hang up on me. When I go in person, they tell me that they " don't usually accept money to a closed account '' but refuse to look at my ACH Reference Number and refuse to show me proof that the funds were rejected. I have been fighting for months and if I am being honest, it is getting extremely exhausting.
Product: Credit card

ATTACHED IS THE USPS TRACKING CONFIRMATION SHOWING THE LETTER WAS DELIVERED I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX-XXXX  made on XX/XX/2023 in the amount of {$390.00} XXXX submitted this dispute within XXXX  days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well. 
ATTACHED IS THE USPS TRACKING CONFIRMATION SHOWING THE LETTER WAS DELIVERED
Product: Debt collection

I have spoken to an attorney regarding handling this debt. However Synchrony Bank calls me 20 times a day at least mostly from their Texas offices. XXXX XXXX XXXX XXXX XXXX, Tx. And XXXX XXXX XXXX XXXX   XXXX, Texas.
Product: Credit reporting or other personal consumer reports

This is not a verification account. 

XXXX Account XXXX XXXX is reporting four accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My loans are my business. My loans are my private information. XXXX  have reported my private information without my consent. XXXX  actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Please delete XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$1900.00}.
Product: Credit card

I applied for an Indigo Mastercard through XXXX XXXX  that is serviced by Concora credit with a {$1000.00} credit limit that had an annual fee of {$250.00} to open the card. when receiving the card there was a balance of {$250.00} on it. I made a few purchases and paid back the balance of what i had charged on the card. I went to use the card while shopping and it was declined. I contacted the card company, and they told me the account was closed, and I would receive a letter in the mail telling me why it was closed with only having the card for less than a month. I received the letter weeks later stating that my account was closed due to them not being able to reach me by telephone, and that i was responsible for the annual fee still. I contacted the company on XX/XX/year> at XXXX, again after reviewing my phone records to see if they had tried to contact me which they had not and have had no voicemails either. The lady said she would have to send a message to the relevance team to look more into the account and the reason why because she stated what i got in the letter couldn't be the reason why my account was closed and to contact them in 5-7 business days about it. I told them I told them I would be filing a complaint with the CFPB about this because this is wrong and I feel like this is a money grab from them, when my account was in good standing, and I was making payments on my account. As soon as I told them this, they locked me out of the Indigo account so I can't see or even manage my account and get information I need on dates and payments I have made. I have been working on my credit for 2years and because of this my credit took a hit and now they are saying I am responsible for this fee and charging me interest on it and late payments. I also have a milestone card with the same bank which I was locked out of due to me telling them I was filing a complaint with the Indigo card, I had to go through a whole process with them to have that card unlocked so I can continue to make the payments on it. This has been a nightmare dealing with this bank. I want them to remove the Indigo from my credit report and make it right with me I should not be responsible for the charge of the annual fee of {$250.00} the interest charged on the card or late payments while I get this issue resolved and off my credit report. I opened this card in good faith and was doing everything right for it to be closed not even a month of having it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Information was ran by these companies without written consent. I have listed the companies below : 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
Product: Debt collection

I have received several calls after this debt has been paid. Also ; I was told that the debt would be removed after the debt was settled.
Product: Money transfer, virtual currency, or money service

All money that was investing into bitcoin scam claiming they were the XXXX XXXX XXXX. They been contacting me to send money through cash app from XXXX. I will provide the last email they sent me in XX/XX/year> down below. 

How are you doing today i hope you are doing great, we got an information from the bitcoin company which you invested in, they explained everything to our service about how you have invested so much money with them and yet you havent received a profit, they said each time your profit is been transferred to your cash app you dont receive it and now they have rectified the whole issues.the reason why your profit didnt get into your cash app was because your the money was suppose to be transferred into a portfolio Bitcoin account first and now your profit has be sync to the portfolio account and now you can receive it into your cash app, the company want you to unblock them on XXXX  and claim your profit without paying any money trust me, even if you dont trust anybody you can trust the tax service we wont lie to you.I will send you a screenshot of your profit in your portfolio account created with your details for you to see all that I am talking about.