23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a new vehicle and upon going through the process of getting financed my information was submitted to  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX , CT  XXXX  and in return I received a declined letter from a SageStream , LLC who states  my credit score is substantially lower than what it actually is.
Product: Credit card

I used Chase Travel to book a flight for myself, my XXXX kids and my XXXX XXXX XXXX mother from XXXX, Arizona to XXXX XXXX, CA from XXXX XXXX using a Chase Credit Card XXXX When I booked my flight, their seat selection tool allowed me to book 4 seats together, so I chose that particular flight. After I booked my flight, I was told those 4 seats cost extra. On Chase 's seat selection tool, it did not indicate extra fees. I have a screen shot showing that no extra fees for those 4 seats were disclosed on Chase 's website. The customer service rep by the name of XXXX told me I should have gone to the airline to see that those 4 seats have fees. But why would I do that if Chase 's own website seat selection tool didn't indicate any fees and showed they were available for booking? If I had to go to the airline directly, why would Chase even have seat selection tool to begin with? I then asked XXXX to cancel my flight and refund me the money. She refused, saying that those seats are non-refundable. I then asked to speak to a manager. She again refused to transfer me to a manager. I then asked her to confirm her first name, she refused to provide me with her first name, saying that it is personal information. However, she gave me her first name at the start of the call, I was just trying to confirm. How is her first name that she already disclosed at the beginning consider personal information? I finally asked her to provide me with contact information at Chase to file a formal complaint. She again refused to provide me with contact information at Chase to file a complaint, saying that she can take down the information for me. The only thing I am asking for is to cancel my flight and refund me the cost. All of this is on a recorded line between about XXXX to XXXX XXXX  on XX/XX/2023. I am only filing a complaint with CFPB because I have no other recourse, since Chase refused to provide me with contact information to file a complaint directly with them, and since the credit card used to purchase the tickets are also at Chase, I do not know if it would go anywhere to dispute the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing my CFPB Complaint today to notify you that I want to ask further assistance from you in removing the inaccurate or fraudulent items in my credit file. The three credit bureuas should remove that items in my credit file but I found out they are still appear in my account. With this issue, the three Credit Bureaus are lack of coordination and it was their obligation to remove such items and these are the following items needs to be remove quickly in my credit file : XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX # XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$780.00} ; XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$1800.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$780.00} ; XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  took my autopay later then agreed upon, flagged me for 5 missed payment 's, i have another card with them and 4 years of perfect payment history, they yelled at me when I complained asking them to fix. I have XXXX with of credits on my accounts they won't unlock it. Dates were XXXX XXXX XXXX XXXX XXXX. 
It's paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in follow up with Dispute # XXXX which Equifax has already responded to. I have disputed this claim in regards to State tax lien XXXX. I attached a letter from Lexis Nexis dated XX/XX/XXXX Confirmation number XXXX Customer number XXXX ( which I have attached ) that have stated that XXXX XXXX has removed this item from their database and I have also spoken with XXXX Consumer advocacy dept located in XXXX. She couldn't supply her last name. On Risk view report on FCRA, She stated that there were liens or judgment. On public records report she stated that State tax lien XXXX. Equifax sent me a dispute letter dated XX/XX/XXXX that they confirmed the Tax lien through XXXX XXXX and that it was reporting accurately. I believe Equifax did not investigate this with XXXX XXXX because I have a letter stating that this tax lien has been removed and have verified three different times with XXXX XXXX that there are no tax liens on my account. Equifax is not doing their job and did not investigate my complaint. Please provide relief because I have verified in writing and with a phone call that this disputed item has been removed from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 A known trusted family friend asked me to send some money via XXXX or XXXX XXXX. She stated that she went through the daily max and she needed to make a payment. I authorized the {$580.00} payment via XXXX. It turns out that my friend 's XXXX account was hacked and the scammers contacted everyone in her contacts list asking for money. Apparently I was the only one who authorized the transaction. The XXXX account was XXXX XXXX XXXX, no phone number was given. I called my bank Chase and they said they could not give me a refund. Apparently XXXX does not protect anyone against fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please provide the original instrument of indebtedness for these accounts ; in addition, to Validation of debt, and Method of Validation. 

XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX   XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the reporting of late payments on my credit report that I believe are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of information have a legal obligation to report accurate information. They must also promptly correct and update inaccurate or incomplete information. I have communicated with Experian to dispute the inaccurate late payments. Despite my efforts, the creditor/collector has failed to investigate my dispute within the required 30 days or to correct the inaccuracies in violation of their FCRA obligations. By reporting these alleged late payments inaccurately, the debt collector is in violation of the FDCPA, as it damages my credit reputation and is being used as a tactic to collect on the debt through coercive means. I disputed the inaccurate information with Experian XX/XX/year> providing documentation that supports my payment history. Despite their obligations under the FCRA to investigate and respond within 30 days, they have not taken appropriate action. 
I have also contacted the credit bureaus directly to dispute this information, but the inaccurate late payment reporting persists.
Product: Credit card or prepaid card

RE : Complaint Against Capital One Bank ( USA ) National Association Dear Ladies and Gentlemen : In XX/XX/XXXX, Capital One took over my XXXX  Credit Card servicing from XXXX XXXX, I went on line to set up account access. For some reason the set up process was not successful. After subsequent failed attempts to gain access to my account on line I called customer service for assistance with my user ID and password. It was difficult to understand the offshore customer service person 's accent but I explained to him that my cell phone was only able to make and receive phone calls because as a XXXX-year-old senior I am on a low fixed income t and don't have data capabilities thus, couldn't receive texts. In addition, I explained I can not afford internet at home and have to go to the library to gain internet access, so have limited time on line. 

The foreign customer service representative finally agreed to send an email with a link to the Capital One website where I'd be able to confirm my ID and reset my password. I tried that link several times and though I correctly provided all the required personal information, and all the information was absolutely correct, the link failed to grant access to my account. I ultimately learned that for some reason access to my account was blocked. I learned that on XX/XX/XXXX when I spoke with a Capital One Representative named XXXX who agreed to apply {$15.00} in equivalent reward points to my account. I was then transferred to an onshore representative who identified himself as XXXX, Fraud and Dispute Account Manager, IDXXXX. XXXX ' attitude is definitely not an asset to Capital One and though I provided all information to get help with my account, XXXX told me that to have my legitimately earned reward points applied to reduce my account balance I would have to submit a copy of the front and back of my driver 's license. That is where I drew the line and told XXXX to cancel my card immediately which he did. So apparently after correctly having identified myself I could cancel my card but XXXX reversed XXXX 's transfer of {$15.00} to my account and refused to transfer my reward points. I believe this is fraudulent and is truly shameful customer service. 

Capital One has sent me many letters and spent time and money trying to avoid awarding me the earned reward points. Yet, they have never explained why I was properly identified to cancel my account due to poor service but couldn't receive my earned reward points. The amount of reward points would now equate to approximately {$25.00} because of additional points earned before canceling my card. I wonder if Capital One is wrongfully depriving others in this same way. Thank you for your consideration of this matter.
Product: Debt collection

THIS IS THE 3RD TIME I HAVE HAD TO FILE THIS COMPLAINT. I WAS IN OHIO I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX OH HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANYTHING FROM REGIONAL ACCEPTANCE RECOVERY. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : REGIONAL ACCEPTANCE RECOVERY XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian 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. Experian and XXXX have failed in 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. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has denied minorities the right to a fair credit report. Equifax has denied me the right to a fair credit report. I have submitted a copy of a police report to Equifax. Equifax has been aware of the security breach allowing our personal information to be stolen. Now even with knowledge of the security breach allowing and my police report proving that my Identity has been stolen and someone was arrested for stealing my Identity from Nd and in the state of SC. Equifax has treated me unfairly. I have decided to file a discrimination lawsuit against Equifax if they do n't allow me a fair credit report. I have no outstanding hospital bills. I am on XXXX It is against the law to bill someone who has XXXX out of pocket expenses unless it 's a co pay. Equifax does n't care about the consumers! They 're not a fair reporting bureau. Equifax needs to immediately remove these FRAUDULENT UNAUTHORIZED ACCOUNTS FROM MY CREDIT REPORT. EQUIFAX REFUSES TO REMOVE THE FRAUDULENT ACCOUNTS THAT I HAVE ADVISED THEM THAT ARE FRAUDULENT. I HAVE ALSO SENT IN A STATEMENT FROM THE SLED ENFORCEMENT AGENCY THAT THEY 'VE DISREGARDED! I DO N'T KNOW WHO SIDE EQUIFAX IS ON. IT SEEMS AS IF EQUIFAX WANTS CERTAIN PEOPLE TO BE DOWN. FRAUD IS FRAUD! YOU CA N'T PICK AND CHOOSE WHO TO HELP AND NOT TO! A POLICE REPORT AND SLED STATEMENT CA N'T LIE! I AM A HOMELESS MOTHER OF XXXX. THIS YOUNG LADY HAS TOOKEN MY LIFE AWAY FROM MY SELF AND MY KIDS. I AM FROM HOUSE TO HOUSE TO SHELTER. ALL BECAUSE OF INACCURATE FRAUDULENT ACCOUNTS BEING REPORTED THAT EQUIFAX REFUSES TO REMOVE. THIS IS MY SECOND TO LAST RESORT. THE POLICE DEPARTMENT WHO IS HELPING ME AND MY XXXX KIDS TOLD ME TO FILE A LAWSUIT AGAINST EQUIFAX FOR NOT ALLOWING ME TO HAVE A FAIR CREDIT REPORT WITH ONLY MY ACCOUNTS! I 'VE ALWAYS PAID ANYTHING THAT I HAVE ON TIME. IT 'S HARD BEING A MOTHER OF XXXX TELLING THEM THAT WE 'D BE OKAY WHEN I 'M BEING DENIED A RIGHT TO A FAIR CREDIT REPORT WITH ONLY MY ACCOUNTS! EQUIFAX HAS HUNG UP ON ME NUMEROUS TIMES AND LIED SAYING THEY WOULD REMOVE THE FRAUDULENT WITHIN 24 TO 48 HOURS. DAYS LATER THEY 'D STILL BE ON MY CREDIT REPORT. EQUIFAX TELLS ME ANYTHING TO GET ME OFF THE PHONE! WHEN I ASKED FOR A SUPERVISOR THEY 'D REFUSE SOMETIMES EVEN HANG UP. THEY 'VE BEEN VERY UNPROFESSIONAL. I 'M SURE NOT EVERYONE GETS THE TREATMENT THAT A YOUNG XXXX XXXX HOMELESS MOTHER DOES! MY FATHER XXXX AND I LOST HIS HOUSE BECAUSE OF INACCURATE FRAUDULENT ACCOUNTS AND INFORMATION BEING REPORTED ON MY CREDIT REPORT. EQUIFAX IS THE REASON THAT MY KIDS AND I ARE HOMELESS! PLEASE HELP ME STOP EQUIFAX FROM DEFRAUDING THE PEOPLE AND LET EVERYONE HAVE A FAIR CREDIT REPORT WITH ONLY THEIR INFORMATION BEING REPORTED ON THEIR CREDIT REPORT! MY KIDS AND I DESERVE BETTER! EQUIFAX HAS FAILED US!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had set up an account with XXXX XXXX  to build my credit score. My score than increased to XXXX after 2 years of paying when I went to look at it it went to no score I called both XXXX XXXX and the credit bureaus to ask why. XXXX XXXX said they have been reporting it both to transunion and XXXX and sent me the proof. I then called the credit bureaus and they said that that XXXX had been removed from my account, I have no idea why it was removed. So XXXX XXXX  opened a new account and again I have been paying for 6 months and I still have no score. I called transunion and they said nothing is being reported. XXXX XXXX  sent me the proof I than sent the proof with transunion and still nothing is happening. I dont know why my score is saying no score and it seems that no one can help me understand why XXXX was removed from my account.
Product: Mortgage

My wife and I took out a Mortgage with XXXX XXXX  in XXXX of XXXX. The loan was purchased by Flagstar Bank and the transfer took effect on or about XX/XX/XXXX. Our loan payment is XXXX per month. We have made regular on time payments since we took out the mortgage. We have made payments that were over the required monthly amount so as to pay down the principal sooner. The XX/XX/XXXX payment in the amount of {$700.00} was already sent to XXXX XXXX  so as to be on time. XXXX XXXX sent that payment to Flagstar bank and Flagstar held it in " Suspense Balance '' according to our statements and did not apply it to the XXXX payment. Since about XXXX XXXX we have contacted Flagstar customer service at least 6 times by phone because they keep sending us statements that we are behind on our payments, each time I have called their customer service they have said they understand what the issue is and will rectify it. We have made our XXXX payment of {$630.00} on time and now our latest statement from them that is dated XX/XX/XXXX reads that we are still considered late and that we owe {$1200.00} by the date of XX/XX/XXXX. In addition to that, the statement reads that now they are holding our latest payment of {$630.00} in " Suspense Balance ''. It looks like they finally applied the original {$700.00} XXXX payment to our Mortgage balance and are now holding the XXXX payment hostage. During this time we have also received a letter from Flagstar dated XX/XX/XXXX that states we are past due in the amount of {$66.00}. This is the amount that we were paying extra each month towards our principal. How can we be delinquent on this since we are not REQUIRED to pay this extra amount? We have now also received a notice from the credit monitoring service XXXX that our FICO  score has decreased. Our score has always been excellent and prior to this transfer to Flagstar Bank was in the 800 's. We will make our XXXX payment of {$630.00} on time which should be all that we currently owe. Please help resolve this issue. 
Thank you
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> ( XXXX ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

I C System placed an account on my credit reports without notifying me about the account. I have tried numerous times to get information about this account and this company has refused to give me any information about the account.