23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

There was a promotion for a XXXX XXXX XXXX bonus miles offer that started in XXXX, still ongoing at this time until the end of XXXX, see link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I signed up for this credit card because of the bonus and have spent the required amount well within the listed deadlines in order to receive this bonus and they are not giving it to me. I called about this 6 times now and nobody has given me a reason as to why I am not receiving this bonus. They can not " see '' it on their end even though they agree that they can see it on the XXXX XXXX and have offered no resolution aside from disconnecting my call, incorrectly transferring me to random phone numbers, and telling me the promotion doesn't exist. It is clearly listed on the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my complaint Experian stated " According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ''. But how is that possible if a proper investigation did not take place. According to Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Experian DID NOT fact interview with my neighbors, friends, family, or associates who may have such knowledge concerning any such information. Experian stated " When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ''., but the laws say such information SHALL NOT include specific factual information on a consumer credit report obtained directly from the creditor. The Congress makes the following findings, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. According to 15 U.S.C section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instruction. This is a violation of my privacy according to section 602 A of this title. These accounts should not be furnished on my consumer report as they are a violation under 15 U.S.C 1681b, I never gave any reporting any consumer reporting agency WRIITEN COSENT to report anything on my consumer report which violates my right as a federal protected consumer. 15 U.S.C 1681s-2 ( A ) ( 1 ) A personal SHALL NOT furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Due to the improper investigation that took place serval times, as a consumer I am demanding you block and delete these accounts from my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted off my credit report immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these inquiries from my report. 

XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent an email to XXXX requesting a copy of my consumer report. I sent the information required attached in this complaint. On XX/XX/XXXX, i received an email back stating they can not send me a copy unless an actual request for a screening report has been receued from a SafeRent client. I believe this is unfair as in XXXX, I was denied for an apartment from information listed in my SafeRent Consumer report and I had to get that information removed from my files in which they did but I am currently shooping for a new apartment and I do not want to miss out if there is an information that is incorrect in my files. I do have money to just be applying for apartments and getting denied because of incorrect information. I want to make sure my file is correct before applying and wasting money. I like a free copy of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
Product: Debt collection

My name Is XXXX XXXX XXXX and I had recently filed complaints on XXXX-18 XXXX and on XXXX18 complaint # XXXX against Continental Central Credit in reference to annual fees owed to XXXX XXXX XXXX XXXX XXXX in NV As a result of the complaints Continental agreed to settle in the amount of {$3100.00} to be paid on or before XXXX18. I was contacted by XXXX XXXX XXXX XXXX XXXX advising they where pulling the account out of collections with Continental Central Credit and that they agreed to cancel all fees if I paid them {$2500.00} So I paid XXXX XXXX XXXX XXXX XXXX on XXXX18 for the amount of {$2500.00}. Per my first complaints Continental had been placed on notice meaning they where not to call me @ all, I received two calls from them today XXXX18 CID XXXX between XXXX XXXX and XXXX XXXX they left one message stating they where trying to collect a debt. Under FDCPA they are in violation for one they called my cell # XXXX when they where told not to call me 2nd I paid the debt with original creditor XXXX XXXX XXXX  XXXX XXXX. Under FDCPA two party 's are not allowed to collect on the same debt and I paid my debt with XXXX XXXX XXXX XXXX XXXX XXXX amount of {$2500.00} on XXXX18I don't not want Continental Central Credit calling my cell, they are to contact XXXX XXXX XXXX   XXXX XXXX. Per FDCPA guidelines Continental Central Credit already violated my rights and I will seek legal council specially if this continues Thank You XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Checking or savings account

This relationship of fraud pertains to PNC Bank and XXXX XXXX  services. On or around XX/XX/XXXX XXXX XXXX XXXX XXXX did contact Stripe support to cancel a subscription. I specifically and explicitly made clear that there were some type of internal fraud issues with Stripe giving rise to the subscription termination issue. Stripe did not terminate the subscription despite confirmation that they would do so. On or around XX/XX/XXXX, after noticing that XXXX was still fraudulently making debits or attempting to make debits from my personal PNC bank checking account I contacted Stripe again to address the extremely egregious acts of fraud knowing that XXXX was previously instructed to terminate the subscription and to stop debiting my personal PNC bank account. Stripe did not do so. As of today XX/XX/XXXX, XXXX is still engaging in extremely fragrant fraud, likely embezzlement of epic proportions with are not only civilly egregious by also of a criminal nature. This behavior of XXXX  must be addressed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter. 

The following inquiry was not authorized and should not be reporting. 
Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

The company states I owe {$760.00} for medical services. I not only have no recollection of receiving services from them, but I had XXXX  at the time of said services.
Product: Debt collection

On XX/XX/20 & XX/XX/20 I sent Formal Complaints/Letters To Equifax Information Services. The Letters Notified The Company that They Are Reporting Inaccurate Credit Information To My Credit Report And Asking Them To investigate and Or Verify The Inaccuracies. It Is now XX/XX/20 And The Company Has Failed To Respond With Investigation Updates Or Anything For that matter. They are not Holding Up To the Law. They are Reporting inaccurate information. & They Have Also Failed To give me Updates within 30 Days of The Investigation.
Product: Debt collection

We bought a car at XXXX. ByRiders in 2008, a XXXX XXXX which was traded for a new vehicle ( XXXX XXXX ) and the XXXX XXXX was paid off during the transaction! We do lot owe the balance they claim. XXXX XXXX has falsely accounted for a debt that we are not liable for. 

The car they sold us was over priced and had mechanical issues. The debt collection amounts is illegal and we seek help to avoid paying such claim! 

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

On XX/XX/2018 I wrote to SYNCB/XXXX in regards to them saying I owe them {$2000.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote SYNCB/XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

XX/XX/XXXX charge off charge on my back stamens for XXXX I believe XX/XX/XXXX call to set up payment plane of XXXX on XXXX of every mo. Fail to take funds out They called in XXXX adv them unacceptable to pay. 

XX/XX/XXXX revived a call saying I never made payment on this account kept over taking me and they drew getting smart Advised i did make a payment. Was treated very unfair and fining miss information was told they received the account file in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following my request sent to CFPB, Complain # XXXX against the Discover Bank XXXX and your intervention to Discover Bank XXXX Case # XXXX XXXX to Discover Bank, I received, the attached letter, dated XX/XX/XXXX. Their answer to me, that the fraud was perfect is not satisfactory to me. I was deceived by crooks pretending that they are from XXXX XXXX XXXX fraud Department and working with Federal Reserve, and I lost with this transfer XXXX XXXX I want to mention, that I called the Bank to the tel. number I have on the back of my XXXX XXXX card. 
The problem is, that the Discover Bank do not complied with Federal Regulations regarding Money laundering, Drugs trafficking and Terrorism financing! 
How some one can open an account and transfer a large amount of money, XXXX XXXXXXXX XXXX and after XXXX days to transfer to XXXX XXXX a sum of XXXX XXXX with no information asked about client, questions about money provenience, purpose of money transfer, etc.? It was strange also to me, but the crooks told me that nobody will ask me anything! How they new that? Someone from the Bank is hand in hand with crooks? FBI can not do anything because there are XXXX and XXXX cases, and closed the case. In these conditions why the Banks do not take preventive measure to avoid the criminality, especially for vulnerable clients? I am XXXX XXXX XXXX, what business I have to do with XXXX? All my life I have my money in XXXX with XXXX Bank, for XXXX  years. How this Bank do business in XXXX XXXX with Banks with false or fake accounts, and people which can not be identified? Is it not strange? Haw the business can be conducted in this way today in these conditions? Year ago to transfer money to other country you need to call many times, questions were asked, and take a long time!!!!! Why the licensing of these Bank are permitted if they do not comply with Federal Regulations and work with fake accounts? 
I ask CFPB to take measures to reimburse me for losses because my money were FDIC insured. FDIC insured the clients money not the Banks, for their negligence. 
Thank you for understanding XXXX XXXX XXXX
Product: Credit card or prepaid card

Well I like to authorise the charges which I maid to Paypal. 

By mistake I complained before " I believe I ordered XXXX XXXX and XXXX XXXX  update form a technician upgrading my computer and gained access to all of my personal information because he is the technician and he used my debit card through Paypal to make the initial {$470.00} then I was billed within a week 6 or 8 more of those payments and they went through and Paypal doesn't want to honor their commitment to me as a customer. XXXX XXXX is sending me a fraud form to fill out because they are are gong to attempt to recover my funds. Paypal case XXXX. The Tech person his name is XXXX his phone number is XXXX XXXX XXXX XXXX. '' I like to authorized all the charges made by me to paypal. 

I know XXXX well and I like to cancel my complain for paypal transaction. 

Thanks
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/2020 I tried to purchase 5 tickets on XXXX for a basketball game through XXXX XXXX. I began texting her about the tickets and the communication between us did not feel like she was a scammer. Once I sent the agreed upon price of {$400.00} to her via XXXX, she only sent me 4 tickets instead of 5. I tried reaching her via text and calling but she blocked me. We tried from each number in our group and she did the same. One friend asked her if she still had the 5 tickets  available after she scammed us, and she said she did, which means she was trying to scam others the same way. Upon receiving the tickets we immediately knew they were fake, but proceeding to try them anyways just in case they weren't. Obviously that didn't work. I reached out to my bank, US Bank, immediately to alert them of the scam and to cancel the XXXX transactions, which they said they would submit a claim and I should receive the {$400.00} back within 40 days, but most likely within 10. On XX/XX/2020 I received a letter from US Bank eClaims Services Department telling me the transaction was posted as requested and my claim has been denied. I do not feel they investigated this matter appropriately, otherwise they would know this woman has scammed others. I have attached copies of all of the communication between XXXX XXXX and I, as well as the letter I received from US bank.
Product: Mortgage

SPS bought my loan from XXXX a couple of years ago. This year, they began trying to raise my mortgage payment up to more than {$200.00} a month. When I asked for an explanation I got different answers from different reps. The first told me that XXXX County had contacted them and told them I had n't paid enough in taxes in 2015. I viewed my tax bill online and called the county tax assessor. Not true. I paid in full and early. The next rep told me that SPS had underescrowed and the {$200.00} more a month was to address the deficit. At the time, there was about {$1900.00} in my escrow account. NC allows lenders two months of escrowed amounts. My escrowed items are {$580.00} a month, so they already had more than required. But, it was either {$200.00} more a month or I needed to pay a lump sum of more than {$2000.00}. Other letters followed these conversations. One reached way back to when my loan originated with XXXX bank and gave me a balance that was about {$75000.00} more than I owed. Another letter said the extra escrow amounts would be spread over two years at about {$40.00} a month more. Another letter said they only needed to increase my payments by around {$30.00} a month. Today, I was told that SPS discovered I had overpaid and they issued me a check in XX/XX/XXXX. I never got one. Today, I was also told that there was a deficit of only {$41.00} in total. Throughout this I have continued to make my same payment of {$1500.00}. My account shows that my monthly payment is {$1600.00}. But, there is no balance carrying forward and no late penalty assessed.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXXXXXX {$44000.00} XXXX XXXX {$6000.00} XXXX XXXX {$29000.00} XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXXXXXX These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXXXXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX  XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX PLEASE REMOVED ALL THOSE FRAUD INQUIRE XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry fromXX/XX/XXXXMiscellaneous XXXX XXXX Inquiry fromXX/XX/XXXXTelephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilitie s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a discharged bankruptcy in XXXX. It is nearing XXXX years, and I was told by an attorney to ask for this bk to be removed from all credit bureaus. Some of the bankruptcies are supposed to drop off between XXXX years. I have submitted a request for removal before on at least XXXX credit bureaus. The other one ( I think equifax ) requires a XXXX digit code from the item listed on the report. That XXXX digit code does not exist on the page I was to look it up on. I was unable to create a dispute or a request for that bankruptcy to be removed since I 'm past XXXX years and so close to XXXX years.
Product: Vehicle loan or lease

i purchased this car at XXXX, i payed XXXX extra and then this interest payment showed up XXXX same price as the bill. i have payed every payment. the total on these payments now are XXXX my credit score was XXXX now its XXXX can you help me with this one please. they ruined my credit and now there creating false bills. the company is ally bank in XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX, ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions