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

A charge was posted to my credit card account in the amount of {$200.00} with a date of XX/XX/XXXX. I recognized the merchant, which is a city gym that I use. However, my monthly membership fees there are in the range of $ XXXX, depending on specials and discounts. As such, the {$200.00} charge is way beyond typical billing amounts, which the credit card company can see in my billing history with this merchant. 

I initiated a dispute with the credit card company in early XX/XX/XXXX, which they denied by letter of XX/XX/XXXX. Their stated reasons were that the charge was " within my spending area '' and they contacted the merchant who informed them that the charge was valid. 

Under this logic, a unrecognized charge would always be deemed valid on the merchant 's say-so if it was with a vendor with whom the cardholder had an ongoing relationship. This would leave consumers without any protection against mistakes and fraud by such merchants and can not be consistent with legal protections. I would like assistance from the CFPB to protect me and other consumers in my position.
Product: Credit reporting or other personal consumer reports

To whom it may concern XXXX is reporting that i pay {$560.00} a month on my credit report.I talk with XXXX and we came up with a settlement offer that i pay {$270.00} a month for 12month.I made two Payments for XXXX and XXXX in the amount of {$270.00} and on my credit report my remaining balance shows I owe {$2900.00} but on their website look what my remaining balance is {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

now with the security bleach of XXXX i have no trust in the the major bureau they have violated my right for year giving me higher rates putting loans that are not mine it 's time to make the giants pay for what they have done to me and my family. they have violated every consumer right act ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax Breach Inquiry Link : https : //eligibility.equifaxbreachsettlement.com/en/eligibility
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection balance on a XXXX XXXX loan for {$9200.00}. XXXX agreed to settle my remaining balance for one payment of {$2000.00}. I am attaching a copy of the settlement arrangement to this complaint. I paid the {$2000.00}. I am also attaching a copy of the XXXX XXXX money transfer. Despite paying the settlement arrangement, as agreed, XXXX XXXX  refuses to update my credit report appropriately. Its been nearly 4 months since the settlement arrangement was made and funded, and they are still reporting to XXXX, XXXX, and XXXX XXXX that I owe them {$9900.00}.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. 

Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX {$850.00} XXXX. XXXX XXXX XXXX XXXX off {$210.00} XXXX. XXXX XXXX XXXX XXXX Paid closed/never late XXXX. XXXX XXXX XXXX Missed/late payments XXXX. XXXX XXXX XXXX XXXX {$990.00} open balance XXXX. XXXX XXXX XXXX XXXX {$3300.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$550.00} Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on Account # XXXXXXXX XXXX XXXX. And Account # XXXXXXXX XXXX XXXX XXXX XXXX And Account # XXXXXXXX XXXX XXXX XXXX XXXX. And Account XXXXXXXX XXXX XXXX XXXX. due to XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information. failure to notify consumer dispute results.This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting house XXXX violates my rights as a consumer, as well as feder laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX : 1. ) XXXX XXXX XXXX XXXX - Account # XXXX 2. ) XXXX XXXX XXXX - Account # XXXX 3. ) XXXX XXXX XXXX  - Account ( No Account Number ) 4. ) XXXX XXXX XXXX  XXXX - Account ( No Account Number ) has volated my rights 15 U.S.C 1681 Section 602 A : States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

My debit card and some of my credit cards got stolen, all charges on credit cards got taken care of however one charge on my debit bank of america said we or some who has acess to card made purchase and we are luable for it, there were 2 purchases smaller kne got blocked but bigger we t throught, we almost never make any purchases on the debit.
Product: Vehicle loan or lease

I used an online service to lease a car month by month call Fair at the beginning of XXXX. The car leased was a XXXX XXXX XXXX. I was paying around XXXX usd every month for the payment of the car. The company Fair charged in advance the monthly fee, so when I returned the car in XXXX of XXXX I already had paid in advance for the next month. Today is XX/XX/XXXX of XXXX and I still dont have the refund of this fee. Ive complained already through their XXXX page but I didnt received any response. This is their page https : //www.facebook.com/fairtheapp/ Then I started to sending emails until finally I received a response that theyll sent the refund but havent sent anything and now they dont event want to reply back ... this is their email of support ... 

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

I reached out to XXXX in regards to some inquiries that where showing on my credit report, that are unauthorize. I reached out to the company and they are now willing to help me out at all. I was a victim of the credit breach with XXXX and is in the process of going through mediation with my attorney.
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 XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindliy request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information transunion. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX over {$1000.00} from multiple banks. I tried to contact them numerous times, no response.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX - Account XXXX. : XXXX XXXX XXXXXXXX - Account ending with XXXX XXXX XXXX XXXX XXXX XXXX. - Account ending with XXXX, XXXX, XXXX, and XXXX XXXX - Account ending with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

I have called and tried to make the changes to my credit reports by XXXX XXXX XXXX and experian. Over and over an over again. I have tried to make the changes online myself as well. Many times. I have not once spoken with anyone who even has a credit score or social security number themselves. I have been told over and over and over again that all my personal information on my credit reports has been changed to the information I have provided. I have been told that all the false and inaccurate information on my reports is not even on my reports. When I am looking at the information with my own eyes online. While I am on the phone with the service agents. They just tell me that they have done what I asked them to do. But in fact nothing at all changes from the false information on my reports to the accurate information I give them over the phone. Its as if they are taking my information and using it to change my reports to whatever they want to add. This sounds ridiculous but it is in fact 100 % true.
Product: Mortgage

I was given a trial loan modification for 3 month mortgage payments, after that Caliber Home Loan send me at complete loan modification package to sign and return to them. I did what they asked me to do. However, the package according to them was not received on time. was suppose to be there by XX/XX/2019. But I send on time with a Payment of {$1300.00} Mortgage Payment. I have been talking to them Since XX/XX/2019 if they have received the package they told me NO. You are in foreclosure and your sale date is XX/XX/2019. Pleas help me to find a solution for this situation I am in. 

Caliber Home Loan Loan Number : XXXX Thank you. 

XXXX 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  Account # XXXX, XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX has 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.
Product: Vehicle loan or lease

I purchased my car through XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX. When I purchased the vehicle I was serving the XXXX XXXX XXXX and My Wife who is the co-signer was currently full time in the XXXX XXXX XXXX I have made over XXXX payments on this vehicle to date at a XXXX percent interest rate. According to the SCRA we were supposed to be capped at 6 % because of our military obligations. The amount financed was XXXX, as of today I have paid a total of XXXX, XXXX in interest and XXXX in principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX XX/XX/2021
Product: Checking or savings account

Credit karma XXXX XXXX XXXX XXXX XXXX XXXX  Charged for the same transaction several times. And the company will not do anything about it. They hangup they laugh about it they will not let you speak to a supervisor. They will not give the money back.
Product: Prepaid card

This egift card is basically rejected from any online store I've tried to purchase items from. XXXX, XXXX, XXXX, etc. I've gone through all the help lines and followed all the instructions and the payment keeps getting rejected even though I've checked the balance and my purchases are below the cost of the balance. American Express has been useless in helping resolve this issue. They advertise that this card is accepted anywhere that American Express is taken but that's simply not true.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased an item via paypal, which several weeks later had not arrived, no communication from the seller as to why until I chased. I was finally informed that it was no longer available. On XX/XX/XXXX, I requested a lower priced different item be sent. On XX/XX/XXXX I was informed that a refund would be given for the price difference. This has never been done. Despite being provided with all correspondence in regards to this, Paypal has not done anything in regards to issuing me with a refund,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX Creditor : Comenity Capital/ Smile Generation Financial has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit credit card account under an open end consumer credit plan as late for purpos
e.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received a call from XXXX XXXX stating there was a collection entry on my credit report and they gave me XXXX phone number. I called XXXX and asked them what this was about because there was no collection effort and I was unaware of this debt. I spoke to a lady with XXXX and she said that if I paid the amounts due which were {$1500.00} and another for {$45.00} that it would be removed from my credit report within 90 days. I sent payment out same day. Approximately six months went by and it was still showing on my credit report, therefore I called XXXX again and asked why it was still on my credit report and was told they did not remove entries from my credit file, So I dispusted it through XXXX and they removed the {$45.00} but left the {$1500.00}. I recently was denied credit after that and found out it was still on my credit file with XXXX so I disputed it with XXXX and XXXX and then and called XXXX and asked what was going on and she told me to be patient that it would be removed within 30 days. During this time I received notice from XXXX  and XXXX stating it would be removed. Another credit denial in XX/XX/XXXX because of the collections on my credit report. I called XXXX again, and they told me it would be on my credit file until XX/XX/XXXX. Can you please help me with this as this should have never been in collections and is affecting my credit score and my ability to obtain credit through no fault of mine. 
Thank you, XXXX XXXX XXXX
Product: Student loan

I was instructed many times to put my student loans in forebearance when I was unable to pay the total amount due. I 've defaulted many times on my loans because the monthly payment expectation is not feasible and the interest rates, including those accumulated while the loans were in forebearance, or in default, is ridiculous. My loans are currently in forebearance now actually because I called to ask for help in lowering my payments and that was their solution.
Product: Money transfer, virtual currency, or money service

Subject : Complaint against Cash App and XXXX for Violation of the Electronic Fund Transfer Act ( EFTA ) I am writing to file a formal complaint against Cash App and XXXX XXXX XXXX XXXX ( XXXX ) for their alleged violations of the Electronic Fund Transfer Act ( EFTA ). I believe that both financial institutions have intentionally and repeatedly attempted to limit their liability under the law and impose prohibitive requirements to investigate unauthorized electronic fund transfers ( EFTs ). 

According to the EFTA ( 15 U.S.C. 1693a ( 12 ) ) and the provided regulation, an unauthorized electronic fund transfer refers to a transfer initiated by a person other than the consumer without the consumer 's actual authority, from which the consumer receives no benefit. In such cases, the consumer 's liability is substantially limited for the incurred loss. 

In the email response received from Cash App ( attached ), it is evident that they refused to acknowledge the unauthorized nature of the electronic fund transfers made to XXXX XXXXXXXX for the purchase of a vehicle. Cash App stated that they are unable to cancel or refund completed payments and advised me to resolve the issue directly with the recipient. However, under the EFTA, the financial institution has an obligation to promptly investigate unauthorized EFTs upon receiving notice from the consumer. The financial institution may not delay the investigation or require the consumer to file a police report or contact the merchant prior to initiating their error resolution investigation. 

Cash App 's response appears to be in violation of the EFTA and its accompanying regulations. Their refusal to investigate and resolve the issue directly contradicts the protections afforded to consumers under the law. Furthermore, their suggestion to involve law enforcement before conducting their own investigation imposes a burdensome requirement that is not supported by the EFTA. 

I believe that XXXX, as the underlying financial institution that facilitated the transactions through Cash App, may also bear responsibility for potential violations of the EFTA. It is important to note that financial institutions must comply with Regulation E obligations, and any private network 's rules should not limit consumer protections beyond what is provided in the EFTA.
Product: Debt collection

I never received a bill from the Ohio Emergency Room and the amount is incorrect, I had insurance at the time with XXXX XXXX XXXX XXXX and they were to pay in full. ARS Account Resolution : XXXX is reporting incorrect information to XXXX, XXXX, and XXXX. On XX/XX/2019, I reached out to the collections company to dispute the bill and they have been no help. This is a unfair situation because I am receiving a derogatory mark on my my credit score and I am having a hard time getting a mortgage for a house for me and my kids.
Product: Payday loan, title loan, personal loan, or advance loan

The company takes XXXX dollar the XXXX of every month for services that I have asked them several times to stop Several yet they continue to respond with misleading and almost impossible tasks and ask to upload different information as if I want to continue there services the email often advertising as if I want to deal with them and we're on good terms this is a obvious illegal way to steal a dollar from every past customer XXXX monthly
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

Already reported to Identity Theft.

The hard inquiries are result of identity theft and need to be removed no later than four business days, as per 15 USC 1681, C-2.