23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Sears MasterCard and have had it for many years now. Late last year they emailed me a promotion to earn 10x my normal Choice Reward points by clicking the sign-up button, which I did. Each month immediately after the billing cycle ended I would get 10 times my normal points based on how much I had charged during that cycle. These points were available for gift cards, etc and worked fine up until the last month. This promotion went until XXXX XXXX. When my billing cycle ended on XXXX XXXX, I only saw the regular points posted and not the 10x the points. I called Sears and they told me they saw the issue and needed to investigate further and would call me within 7 days. I heard nothing so I called back in after the 7 days were up. I was told they were still investigating. Well it 's been several weeks and still no sign of the missing points and no communication from Sears.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

DPT ED/XXXX Account number : XXXX XXXX DPT ED/XXXX Account number : XXXX DPT ED/XXXX Account number:XXXXXXXX DPT ED/XXXX Account number:XXXX  DPT ED/XXXX Account number : XXXX DPT ED/XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

PURCHASED  XXXX  USED  XXXX   XXXX   XXXX  FROM  XXXX    XXXX    XXXX  IN  XXXX  GA,  XXXX   XXXX . HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO   XXXX   FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE  XXXX . THEY HAVE BEEN REPORTING  XXXX  AND  XXXX  WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL   XXXX   XXXX  . THE AMOUNT I OWE IS ALSO INCORRECT ON ALL   XXXX   XXXX  . I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF LIFE THREATENING HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH  XXXX  AND  XXXX   XXXX  FOR OVER A YEAR, AND  XXXX  IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER  ONE  HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS.  XXXX  WHO WORKS WITH  XXXX   XXXX   {  LAWYER } FOR  XXXX   XXXX   XXXX  IN  XXXX  GA. I AM   XXXX   XXXX    XXXX  AND  XXXX   XXXX . HAVING  XXXX    XXXX   XXXX    XXXX  ON   XXXX   XXXX   AND   XXXX   XXXX   14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION..  <P/>  XXXX ,.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 48 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 48 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S.Code 1681 ( e ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting 100 % accurate. It lists the child support court as it furnisher that's forgery and misleading when the courts do not report this type of account. I have contacted the court as to which my only child is involved and they informed me this is not them reporting.

Account name : State of Michigan Office Chi ( incorrect ) Account Number : XXXX ( incorrect ) Blanace is incorrect, Past due amount is incorrect, Last payment date is incorrect, and is reporting as derogatory which is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi there, My names XXXX XXXX on XXXX XXXX, 2017, when I was trying to pay for my goods at XXXX XXXX department store, the cashier pitched with a credit card offer I accepted the offer, she took my information, two weeks later I received the XXXX 's credit card, I tried to make an online payment to my new credit card when I was abroad but the website wo n't allow me to create an online account, later when I came back from my vacation, called the credit card to help me create an online account so I could make a payment, I found out that XXXX 's got the wrong SSN in their files thats way I could n't create an online account and, they charged me late fees and interest fees, I told them thats not my problem if they have the wrong information in their system, they apologized and agree to give me my money back ( late fees, interest fee, XXXX $ ), but the could n't do anyting about my credit report because they already reported that I did n't pay them on time, I had XXXX credit score before I get their credit card, they lowered my credit card limit from XXXX $ to XXXX , my credit score drop down to XXXX, I never missed a payment till I got their credit card. 
my goal now is to remove those negative remark from my credit report because it not my fault if they have the wrong information in their system that prohibited me from creating an online account and pay my credit card thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a lot of inquires for credit on my credit report all 3 of them XXXX, there are address on my report that do not belong to me XXXX, and Equifax. i called all 3 to have a fraud alert put on my credit. they told me to come to the website to fill a report.
Product: Student loan

I've submitted documents to Mohela to recalculate my IDR for payment starting back in XXXX on XX/XX/XXXX. I received correspondence via email from them that I needed to call them and additional info is required on XX/XX/XXXX. I've called everyday through today XX/XX/XXXX trying to get a representative. Each time I'm routed through the automated phone system until the system just hangs up on me and says goodbye. I have tried every method I can think of to get a hold of them. I have waited on hold hours to never be connected to a representative and have requested a call back only for the system to tell me an error occurred and I can't receive a call back at my number. So then I attempted to contact them via messaging thru their app/email, which I come to learn, does not exist. No messages can be sent through their website. This is absolutely ridiculous and the worse NON customer service I've ever experienced. There does not seem to be any way to resolve anything or get a hold of anyone to figure out my next steps. What am I supposed to do to fix this? It's unresolvable on my end.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credt Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 1 looked at my Experian credit report on XX/XX/year> and noticed some things are Incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report & shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the Individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generalit, ater any reinvestigation under paragraph ( 1 ) of any information disputed And according to 15 USC 1631i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, afer any reinvesfigation under paragrach ( 1 ) of any information disputed by a consumet, an bem of the information is found to be inaccurate or incomplese or can not be verfied, the consumer reporting agency shan.- ( promply delete that item of information from the file of the consumer, or modity that tem of information, as appropriate, based on the results of the reinvestigation ; and ( " promptly notty the fumisher of that information that the information has been modfied or deleted from the tie of the consumer and according to 15 USC 16818-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency il the person knows or has reasonable cause to XXXX  that the information is inaccurate
Product: Money transfer, virtual currency, or money service

N26 frozen my account. I can not send funds out, use my card, withdraw, etc. I requested to speak with a supervisor and he stated an account thats under review would only take a few days. Its been more than 4 months now and still no results for an account being under review There is about {$5000.00} in there and I still have no answers. Every time I call in now, I cant even get to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were charged the annual 'membership fee ' but had torn up the XXXX XXXX XXXX XXXX and weren't using it. We also had paperless and had totally forgotten about the card. Per XXXX XXXX XXXX  / Barclays Bank they charged us the membership fee of {$99.00} in XXXX. We hadn't used the card for 4 months or more and had completely forgotten about any membership fee. I called them in XXXX and they reversed the charge so the balance was/is XXXX. However, they reported the account as delinquent to the credit report companies lowering my credit score from XXXX to XXXX. I called manager at Barclays and they refused to reverse the delinquency and said that I should have known it was going to be renewed because they emailed me. At no time did I receive an email stating that this was going to happen to my credit report. 
I would appreciate Barclays reversing it allowing my credit history to be correctly reflected.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX CHLD SUPP VA XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It is XXXX duty to be reporting correct and accurate information to TRANSUNION on my credit report and file, however, they are NOT. XXXX is reporting payment terms of 999 months to TRANSUNION on my credit report. This is incorrect and makes my credit report appear inferior. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A student loan payment constitutes a transaction. With that said, the reporting of the inaccurate payment terms results in XXXX & TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give XXXX & TRANSUNION written instruction/permission to furnish these inaccurate payment terms on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). Also 15 U.S. Code 1692e, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. It is clear that XXXX & TRANSUNION have violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment to my card on XX/XX/XXXX. I got a notice that the company reported me 30 days past due. When I checked my account online it showed the payment made on XX/XX/XXXX and on the same day showed a returned payment. Only one payment was made and it is impossible for it to be returned the same day. This would indicate that the company has not submitted the payment for processing. I called my bank and they indicated that the payment had not been submitted or returned. 

I tried to call the card company and their phone system disconnected each time. I called 8 times on XX/XX/XXXX to dispute with the company and no matter what choice I made the call would disconnect. I also tried to contact them through their chat function and also received no response. This company is fraudulently reporting incorrect information without the ability to reach anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Re : XXXX XXXX XXXX ; XX/XX/XXXXXXXX XXXX On XX/XX/XXXX, I sent my notarizes affidavit, on XX/XX/XXXX, I sent my certified letter with return receipt. You have been non compliant and YOU BROKE THE LAW AND IS IN VIOLATION OF THE FOLLOWING SUBSECTIONS 15 U.S.Code 1681 OF THE FCRA, Before I proceed I would like to make it clear to your company, and those in positions of authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, pursuant to 15 U.S.Code 1681 ( a ) ( 1 ).

Pursuant to 15 U.S.Code 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 U.S.Code 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and XXXX, I have been unable to get a job and extend new credit because of you assuming this role. 

Pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer : You have no proof that this transaction even took, place you were also impartial because you allowed information to be reported while only hearing one side of the story. 

You have been reporting inaccurate information under FALSE PRETENSES.
Product: Vehicle loan or lease

I paid off this vehicle financed by Key Bank. They held the vehicle title in my name as collateral. 
When I paid this vehicle off the refused to mail me my title but gave me a letter to take to DMV Title where I was charged again for the title as a replacement. Key bank has the original title and need to mail it to me or pay the fee charged by the Title Bureau for a replacement title I paid two times for the same title. 
1st- Key Bank has the original tile that was issued in my name and held as lien collateral. 
I paid the fee for this title the fee was included in my loan 2nd- I received a letter lien release from Key Bank to pick up my title from Title Bureau/DMV I had to pay title fee for the 2nd time.
Product: Mortgage

Green Tree consistently sends me mortgage statements that are inaccurate. The monthly mortgage payment due ( reflected on statement ) varies every month even though I have a fixed mortgage. I am set up for biweekly recurring payments. The payments have always been deducted on a timely manner but the statements do not always reflect payment activity. The last statement I received indicates that I have a past due amount ... ..even though all of my payments have been drafted each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these inquiries to be pulled on my credit file.
Product: Debt collection

I was contacted by I.C. Systems about a year ago, they called my cell phone repeatedly until I picked up. They asked me to confirm my information, to which I asked who they were. All they said was I.C Systems, I said " OK. And who are you? '' They told me they needed me to confirm my address, after multiple attempts I got fed up, and gave in to giving them my address. They told me that I owed them money from a previous doctors bill. I asked them to verify the information they were talking about. They could n't. They just told me that I owed them money from a doctors office. I told them they needed to send me information on this, to which they responded " We sent out a letter yesterday, we need you to make a payment. '' I told them I was n't making a payment to them without any information. They told me the letter was in the mail, to which I replied " ok, when I get the letter in the mail and review it, I 'll call you back. '' They called me again and again, same song and dance, telling me I owed them money and I needed to pay it. I told them I never received any paper work form them. They got very nasty with me and told me that it was sent out and that I needed to make a payment. I told them I would review the paperwork when I received it, and I would call them back. They kept calling, and I did n't pick up. It 's now a year later and I still have not received anything from them in the mail, even after confirming my address with them. 

This is harassment. They are non-stop calling, have n't sent me any information, they do n't confirm that they are a collection company or that they are collecting a debt and are very nasty. I have no problem paying my debt, but it wo n't be before I have any written information. This is now destroying my credit, because it 's been on there for a year, and I have n't received anything in the mail. I really hope that you can do something about this company because they have tons of bad reviews and do n't seem very reputable.
Product: Debt collection

I did not authorize anyone from these companies to access my credit report, violating the Fair Credit Reporting Act Section 1681b ( c ) and my privacy rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My cash app debit card was access by a scammer for {$1200.00} dollars on XX/XX/2022 cash app. Said they would look into they was aware of their system was compromised and they completely ignored my complaint they never contacted me as they said they would after investigating ( i stop payment ... reported scam 5 minutes soon as i seen a lower balance they was rude. And carless
Product: Money transfer, virtual currency, or money service

The XX/XX/XXXX I spent XXXX DKK ( Danish Krones ) on Etherium ( ETH ) on the website " Coinbase '', which worked fine. Then I sent them to XXXX, in order for me to purchase Ripples ( XRP ), and here my trouble started. XXXX states the wallet where my money was sent to will not function before the wallet has been funded with XXXX XRP. XXXX states that this will be funded within an hour and in rare cases more than that. I have now been waiting for 5 full days and have heard nothing from XXXX, nothing from Coinbase and my money/ETH is caught somewhere in the digitital world. 

I have heard that you have resolved other peoples problems with these specific companies so maybe you can help me? 

Best regards.
Product: Debt collection

Cashnet usa keeps debiting my account for {$100.00} which puts me in a rears with my bank the first time was XXXX and the second was XXXX, I submitted update back statement as request for the update for payment arrange but they refused to accept it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INCORRECT OLD ADRESSES THAT NEEDS TO BE DELETED I HAVE TRIED SEVERAL TIMES TO GET THIS REMOVED
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus