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

I applied for XXXX XXXX XXXX credit card with Barclays. I received my card XX/XX/22 opened it at approx 750pm after work. Envelope appeared in tact. Tried to serup online account for card was unable. The online setup system kept telling me I already have a Barclays card and to use that login. I do not have another primary holder of a Barclays card in my name. Concerned I called Barclay XXXX number on card. 3 three agents couldnt help me and didt know what was going on. I asked them to cancell the card and they wouldnt, they also told me my mothers maiden name didnt match. They didnt help. This application was filled out on an XXXX XXXX flight paper and the stewardess took the application. Now Im more concerned when I think about it. Please help. I want this card closed due to possible fraud.
Product: Prepaid card

California XXXX XXXX XXXX XXXX. XXXX was received XXXX 2023. Didn't agree with the terms so canceled it with Money Network and was told check would come in 12-16 weeks. XXXX has no record of Money Network communication to release the check. ( We received 1099 Misc for {$1000.00} ). NO ONE at Money Network to talk to : all automated or 'having technical difficulties, sorry for any inconvenience ''. Click. 
I sent demand letter to Money Network Financial LLC in Georgia on XXXX XXXX with a XX/XX/XXXX action date. XXXX was no dispute that I was supposed to have the funds.
Product: Credit reporting or other personal consumer reports

I have many issues with how XXXX, XXXX, and Experian are reporting collections and closed negative accounts on my consumer report with my verbal or written consent.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 6802section ( b ) Opt out In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. My consumer report is private information. I have not received any disclosures from any of the following accounts : XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX  XXXX {$620.00} XXXXXXXX XXXX  XXXX {$980.00} XXXX XXXX XXXX XXXX XXXXXXXX {$850.00} XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$630.00} I need the mentioned accounts removed from my consumer report immediately, the mentioned accounts are ruining my consumer report and my credit score which is hindering me from getting any new credit lines and credit loans.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and illegal reporting of my credit information, as protected under 15 U.S.C. 1681 ( Fair Credit Reporting Act ). I have identified that the following items on my credit report are being furnished without my permission, in violation of the law : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This account is being reported unlawfully as I did not provide permission for this information to be furnished.
Product: Checking or savings account

Regions banking has been taking {$8.00} a month from my account for not having an average balance of {$1500.00} a month. They refused to wave the junk fees on XX/XX/24
Product: Checking or savings account

Debit card with Citibank has been blocked for a month. I can not access my money for a money and falling back on payments and living expenses. The bank can not verify me any other way that a letter which i havr not received for more than a month. The agenta disconnect the call every time i ask for an escalation or another method to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I do not have contract with this company, I do not owe this company. They continue to send deliquent information to the reporting credit agency showing that this charge was just opened. This has been going on for more than 2 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I sent a certified letter requestisng to validate some accounts and inquires on my credit report to Experian. The letter was recv per USPS on XX/XX/19 and I never recv a response. 

On XX/XX/19 I sent another letter regarding Failure to Respond and it is my understanding they have 15 days to respond and the letter was recv on XX/XX/19 and the only letter that I have recv is the " Important Information '' about how they process a dispute as required by law. 

Per the Fair Debt Collection Act, 1 : USC 1692g Sec809 ( b ) I have the right to validate my debt and under the act if it is claimed I owe money. Under Fair Debt Collection Practice act that the title act adv that Unverifible accounts must be removed and if the CBR cant provide proof of the debt.

I gave the credit bureau enough time and they have failed me. This is hurting my credit and stopping me from home ownership.

Can CFPB take ownership and have my issue resloved?

Thanks on XXXX XXXX
Product: Mortgage

Please provide an accounting of year XXXX. Please include all payments made in escrow tabs prove payments to both taxes and home insurance independently and separately. 

I need to see where the money source applied every penny of payments. How much of the monthly payment amount was used for principal, interest, home ins, and property taxes.
Product: Credit reporting or other personal consumer reports

I have forwarded this information over to XXXX XXXX and TransUnion to remove this late payment from my credit profile I spoke with a representative on XX/XX/XXXX with all three bureaus and they have refused to do so self financial lender has agreed to remove the late payment from XX/XX/XXXX from my credit report and the bureaus are not taking this removal seriously and is refusing to remove this from my payment history this had been a headache and has been negatively affecting my credit score as I am trying to buy a home I have attached the proof that XXXXXXXX XXXX XXXX wants this removed from my credit report and these companies are giving me a hard time removing them!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint due to XXXX XXXX XXXX XXXX, XXXX, XXXX and Transunions failure to refrain from reporting information pertaining to my XXXX XXXX XXXX XXXX account. I demand they immediately delete the late payment verbiage from my consumer reports. I never authorized transactional history nor experiences to be reported. I am in severe financial distress and can not obtain access to capital because of this unauthorized reporting. I have been denied credit on every application I submitted because of these reporting tactics.
Product: Credit card or prepaid card

Advertised lounge access does not work at the lounge. card advises free XXXX checked bags with XXXX XXXX but we still got charged for bags. Card declines randomly. Customer service is outsourced and are no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is still showing inaccurate information on my credit report. I have continued to dispute this company that has this information listed. the orginal creditor sold this to them and they are using inaccurate info to harrasss me. I am requesting that this be removed from all three of my credit reports because they have not been able to prove since XXXX that the amount, dates and information is correct and they refuse consistently to be compliant and remove instead. 

Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX ( WRONG ) Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. ( WRONG ) Status updated XX/XX/XXXX ( WRONG ) Balance {$1000.00} Balance updated ( WAS NOT ) XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance - Terms 1 Months ( INCORRECT ) On record until XX/XX/XXXX ( this originated in XXXX and not for that amount or this company )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I am submitting this CFPB complaint to inform the Credit Reporting Agencies that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 

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

On XX/XX/XXXX, I called XXXX XXXX to request a downgrade of my XXXX  XXXX XX/XX/XXXX card as I was no longer interested in paying the {$170.00} annual fee. I didn't think the fee justified the cards benefit. The representative presented various credit cards I could downgrade to that did not have an annual fee. After a 90-minute conversation, I decided to downgrade to the lower tier of the XX/XX/XXXX card that did not the annual key. I also allowed the representative to charge my checking account for the annual fee of {$170.00} in case the downgrade process takes long in order to avoid being charge a late fee since the annual fee was due. The representative ensured me everything be process and I will receive the new card in a few weeks. 

In the first half of XXXX, I spent a lot of times traveling which was extended due to the pandemic. I was in the west coast until XX/XX/XXXX. When I returned home in XXXX, I found several letters from XXXX XXXX stating that I owed them {$170.00} plus late fees/interest. Also, my credit report was flagged for missed payment. At first, I was confused and thought maybe someone stole the new card while I was away and used it. Because I know that I didn't owe XXXX XXXX anything especially since I paid them the {$170.00} annual fee back in XXXX to avoid any issues relating to downgrading my card. 

After having several conversations with XXXX XXXX bank tellers and two Case Specialist in the XXXX XXXX XXXX Complaints Management Office, they confirmed that the representative did not downgrade the card as he ensured me, he will do. Furthermore, they confirmed that they did receive my payment for the annual fee back in XXXX but failed to update my account with the new balance ( which was {$0.00} ) which resulted in them reporting me to the credit bureau. To explain, XXXX XXXX continued to charge me for the annual fee even though I had already paid them the fee. Every month from XXXX to XXXX they reported a missed payment to all three credit bureaus. They apologized for their mistake and ensure me that they will contact the credit bureau to remove all the negative marks they put on my account as this was their negligence for not verifying their information about my account. It is now XX/XX/XXXX ( I spoke to them XXXX XXXX ) and the missed payment has not been removed. I also open a dispute with Experian and Experian said they refuse to remove it. It seems like the only thing left to do is to take them to court because they are violating the federal fair credit reporting act ( FCRA ) and has damaged my creditworthiness.
Product: Debt collection

On XX/XX/XXXX I disputed this collection, you inturned provided me information from the original debtor showing figures that I believe to be inaccurate and also claims of repair and fix up on items in the apartment that I know where false, as well as unreturnable items belonging to the company as well. 

I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. The balance is falsely inaccurate, please remove this account from my report, cause it is very misleading and also a LIE. This is a straight out VIOLATION OF THE LAW and it should go against the integrity of your that company that continues to publish this FALSE AND MISSLEADING INFORMATION IQ DATA INTERNATIONAL - XXXX BALANCE IS INCORRECT
Product: Credit reporting or other personal consumer reports

Subject : Final Request for Removal of Unauthorized Credit Inquiries To : Experian I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/year> XXXX. XXXX XXXX XXXX Inquired on XX/XX/year> XXXX. XXXX XXXX XXXX Inquired on XX/XX/year> XXXX. XXXX XXXX XXXX XXXX on XX/XX/year> Final Basis for Dispute Under Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or incomplete information, and it is your legal obligation to investigate these disputes and ensure the accuracy of the reported information. According to the law, failure to correct inaccurate information or remove unauthorized inquiries after an investigation constitutes a violation of the FCRA.

Furthermore, Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all informa
tion in my file, including details regarding the inquiries. To date, I have not received sufficient documentation or validation justifying the presence of these inquiries on my credit report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my authorization and are not supported by any permissible purpose under this law.

Additionally, I invoke Section 623 ( 15 U.S.C. 1681s-2 ), which holds data furnishers accountable for reporting accurate information to credit reporting agencies. By continuing to report these unauthorized inquiries, your office, as well as the responsible data furnishers, are in direct violation of this section of the FCRA.

Likewise, under Section 605A ( 15 U.S.C. 1681c-1 ) of the FCRA, which deals with protections against identity theft, it is your duty to ensure that unauthorized inquiries, particularly those potentially related to identity theft, are removed from my credit report. 


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

Despite having provided the correct name as verified by my legal documents, the other variations of my name are causing confusion and potentially impacting my creditworthiness. This discrepancy can affect my ability to secure loans and other financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection.

Transunion also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency.

I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me.

I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$460.00} ; XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Student loan

I am writing to express my deep concern over the significant burden of my student loan debt, which currently stands at over {$200000.00}, including Parent Plus loans for my daughter. When these loans were initially taken out, I was a single mother and needed additional funds beyond tuition to provide my family 's basic necessities, such as housing and food. This financial decision was made because I was told over and over again that a XXXX XXXX XXXX would secure a stable and prosperous future. Unfortunately, this has not been my reality. 

My career in XXXX XXXX XXXX XXXX, during which I hoped to benefit from the Public Service Loan Forgiveness ( PSLF ) program. However, the intense pressures of the job due to the pandemic, severely impacted my health, both mentally and physically, ultimately leading to XXXX XXXX XXXX  and forcing me to leave the profession. This has left me without the anticipated financial relief from PSLF. 

Furthermore, societal misconceptions about income levels are distressing. Comments like those from media figures suggesting that earning {$20.00} an hour is equivalent to a {$100000.00} yearly salary highlight a profound disconnect from the actual living and financial conditions many Americans face. This misperception affects my ability to obtain realistic financial aid and support for my other children 's education, who are XXXX XXXX XXXX and approaching college age. 

Given these circumstances, I urgently request a reassessment of my repayment plan to ensure it accurately reflects my financial situation and hardships. A revised, manageable repayment plan is essential for maintaining my family 's financial stability and ensuring my children have opportunities for their future education. Or student loan forgiveness given that I was seriously misled about my financial future. 

I trust this matter will be handled with the urgency and seriousness it deserves, and I look forward to your prompt and substantive response. Thank you for your consideration of this critical issue.
Product: Debt collection

Company asks " Send us proof that you have paid the debt and we will be more than happy to remove it from your credit once we have verified with the property that they did receive the payment. '' They should be showing proof that I owe this debt.
Product: Debt collection

XXXX XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to XXXX XXXX about a charge and they did n't respond and it led to a charge off. The account is also duplicated. XXXX XXXX is also reporting the account. That means there are 3 violations due to a single trade line.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Bank 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized accounts that I did not initiate or approve these accounts have appeared without my consent and despite reaching out to my credit bureaus to have them removed they remain on my reports my disputes have been ignored or dismissed without proper investigation leaving these inaccurate accounts to negatively impact my credit score this situation is both alarming and unjust as these are not a result of any actions I've taken
Product: Credit reporting

I recently received a credit report prior to applying for an apartment. 
In the criminal background check area there are XXXX charges that are NOT mine. 
Case Number : XXXX XXXX. 
Case Number : XXXX XXXX XXXX XXXX. 

I would like these XXXX charges taken off of my credit report asap as they are not mine. 
Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX