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

I have sent four certified letters to XXXX  - Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX One for every 30 days since XXXX. I have asked to verify all XXXX Accounts with names and update all accounts with corrected dates. I have yet to be successful. All they responded with is the same thing that is being reported. All these accounts are outdated and showing incorrect dates of last payment and its restarting the statue of limitations of 7 years. They are not giving me absolutely no updates and 4 of these 7 accounts of XXXX have been deleted from my spouse 's account that have the same account numbers and balances since I was joint on her account. Amounts that have been deleted on my spouse account are {$6300.00}, {$4700.00}, {$4700.00} & {$6200.00} on XXXX. I have called numerous of times XXXX  starts a dispute and I wait the time limit and they give me no updates on any of my accounts. I feel this is all an injustice on my reputation of an old account that I am being held accountable and XXXX  is not reporting my account correctly. All seven accounts should have been deleted years ago. It's showing a last payment in XXXX and XXXX so it resets it's time and that is inaccurate. On one report it showed a payment of {$1.00} and that is not accurate. Re-setting the time on all these XXXX Accounts is such an injustice. I have sent them proof of deletion from other credit bureaus ( Certified Tracking # XXXX )
Product: Credit card or prepaid card

I realize that I have not went to Barclays to resolve this issue. But there is a reason for not contacting them. It is a waste of time. I have had to contact Barclays in the past on a few issue and every time I simply get a copy and paste canned answer that doesn't even answer the question. I try to allow them to give better answers and to understand the issue but it doesn't help. It's a complete waste of time to use the secure message center. For that reason, and for my protection, it seems that using the CFPB get better results. 
I purchased XXXX XXXX Season tickets this year. I made payments and everything against my card. That part is all good. The XXXX XXXX gave me the option to opt out of my season tickets because of the virus. I exercised this option. The XXXX XXXX recently refunded my account by the same means that I made the payment ( i.e. Barclays ). Because I had been making payments, I now have a credit balance on my account. The refund was for the transactions made on XX/XX/2020 and XX/XX/2020. 

I simply want the money either deposited into the account that I use to make payments or a refund check sent to me. Now, I understand that I already redeemed the rewards that were associated with these transactions. For that reason I have a negitive rewards balance of XXXX ( or {$140.00} ). My account has a credit balance of XXXX. Barclays can reduce the money owed to me by the rewards amount of {$140.00} and refund me ( either deposit into my account or a refund check ) for the amount of {$2900.00} ( {$3000.00} - {$140.00} = {$2900.00} ). 

We are in times where money is critical to individuals to people because of the virus. I do not want my money sitting as a balance on my credit card when it can be put to critical uses during these trying times. 

This should be a simple issue to address and I've already laid out the solution.I wish that I didn't have to you this way to resolve issues with Barclays and that secure message center with the company actually worked how it should. But due to past interactions with the customer service, this is the best way to proceed for both parties. 

Thanks for understanding. 

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

I will keep on refilling this to complaint to XXXX HONDA about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXX, IN XXXX, and I go by XXXX XXXX XXXX. My birthdate is XX/XX/XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Product: Mortgage

1. XXXX XXXX, XXXX we received a trial modification from this servicers attorney @ XXXX XXXX in XXXX XXXX, FL attached are 3 pages. We made the 3 trial payments on which the principal balance was {$400000.00} however the escrow was miscalculated using force placed insurance amounts i have removed this force placed coverage with new insurance the reduces PITI payment about $ XXXX. The first 2 pages were sent in with payment & the correct escrow calculation amounts noted in my handwriting, servicer & attorney refused to correct this matter. 

2. XXXX XXXX, XXXX servicer has hired some new attorney XXXX XXXX in XXXX, Fl out of the blue to illegally change the previous agreed to modification above dated XXXX XXXX, XXXX increasing the principal balance some {$15000.00} while continuing to intentionally miscalculate the higher escrow amount & refusing to do anything to correct it. Attached is this 2nd document. This XXXX XXXX said to sign it or servicer told them to foreclose on us so we have been forced to sign this document knowing its wrong under pressure of foreclosure while plaintiff possess a proven forged original note & mortgage proven by forensic expert reports.

3. This home was affected by Hurricane Irma & servicer was advised. There is a federal FEMA forbearance order which declared the state of Florida a disaster zone yet this wrong forced modification says we MUST pay by XXXX lst or else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is stating incorrectly by XXXX and XXXX. I have disputed this account as account is reported as a charge account type with a derogatory account status collection charge off payment status with date opened as XX/XX/XXXX by XXXX XXXX XXXX Report stayed open as XX/XX/XXXX. Date last reported is stating as XX/XX/XXXX by XXXX XXXX while XXXX report state last reported as XX/XX/XXXX, XX/XX/XXXX. Date last active reports as XX/XX/XXXX by XXXX XXXX while XXXX reports XX/XX/XXXX. Date of last payment reports as XX/XX/XXXX by XXXX XXXX while XXXX reports XX/XX/XXXX, XXXX payment history is reporting payment from XX/XX/XXXX through XX/XX/XXXX as OK as agree with one charge off on XXXX XXXX if payment history is reporting consecutive OK as agree. How is it possible that just suddenly XX/XX/XXXX theres charge off? Now, there is no possible way that account can be reporting payments up to XX/XX/XXXX and have date of last payment recorded as XX/XX/XXXX with XXXX XXXX and XX/XX/XXXX with XXXX. This is a total mistake itself dates do not make sense.
Product: Credit reporting or other personal consumer reports

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 : 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 : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several over the last few months I have never applied for or even heard of. Some using diff names than my own.
Product: Credit card or prepaid card

My husband recently downloaded a budgeting app and when he entered my Discover Credit Card, he saw a charge for Payment Protection Plan. Since I usually just pay online and avoid reviewing individual transactions, I had never noticed the charge. The most recent charge on XX/XX/XXXX was {$83.00}. We called in and find out I have been enrolled in this Plan since XXXX of XXXX. I could not believe it. I opened the account as a college student and I distinctly remember agreeing to a monthly Wallet Protection for {$3.00} a month, which I have taken advantage of in the past, but never a Payment Protection Plan. I remember pondering whether or not to agree to the {$3.00} Wallet charge because I was a working college student and was careful of every dollar in and out. The manager on the phone said the Payment Protection Plan began on XX/XX/XXXX, and was opened based on a call at XXXX XXXX   on XX/XX/XXXX, a Thursday Night. There is no chance I made that call, and I know I never agreed to this plan. I asked the manager if there was any proof written or any recording of a call where I agreed, and he couldnt come up with anything. He just said the best he could do is cancel the plan and refund us the past 6 months, that would equal {$460.00}!! We looked online and could only go as far back as XX/XX/XXXX, he is mailing us our statements back to XXXX, but each month since XX/XX/XXXX I have been charged $ XXXX {$100.00}! This charge each month has affected me in more ways in my life than just having a high card balance. We researched and found over XXXX XXXX consumers have been affected by this same tactic by Discover Bank. I feel insulted at the offer of {$460.00}, and I believe I am owed a full refund for the total amount I was charged without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following inquiries from my credit report. Due to identity theft XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 


LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2024 To whom it may concern, I, XXXX XXXX, never gave Lexis Nexis any verbal or written consent to report anything on my consumer report. No consent is XXXX XXXX. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 

THIS IS XXXX XXXX!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUSCTION TO REPORT THIS ACCOUNT LIST BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECIEVED MY INFORAMTION FROM A SECONDARY REPORTING AGENCY. 
PER TITLE 18 USC 1028A THIS IS AGGRAVATED IXXXX XXXX AND I DEMAND THIS ENITRE ACCOUNT BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATA BASE. IM EXCERCISING MY RIGHTS. 

As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b Permissible purpose of consumer reports ( a ) 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. 

PLEASE SEND ME AN UPDATED REPORT SHOWING THIS ACCOUNT BEING DELETED FROM YOUR DATA SYSTEM IMEDIATELY PS I AM KEEPING A DOCUMENTED TRAIL OF ALL COMMUNICATIONS TO PROCEED LEGALY IF NECCESARY!!! I ALSO HAVE DOCUMENTATION FROM US COURTS STATING THEY NEVER GAVE ACCESS TO MY INFORMATION TO LEXIS NEXIS
Product: Credit card

I opened a credit card with CITIbank in XX/XX/2023, it was a premium card with {$95.00} annual fee and travel perks. I planned a trip in XXXX for 3 months and planned to use tha card since this card has XXXX reward points on XXXX spending as a welcome offer. And to make sure that card works internationally I gave them a call as well as mentioned in the app to let them know that I am travelling, so that my transactions are not blocked. 

But to my surprise even the smallest transactions of {$4.00} were blocked. And to unblock the card they could not do it over the call and required physical address verification. Which I did with the help of my friend. This went on for 3 times, same issue. So basically, my card was blocked for 3 months even after I unblocked it 3 times. 

So once I returned, I asked for compensation for the lost opportunity which I was denied and when I asked them to close my card they would not even refund my {$95.00} annual fee. 

My account has already been closed as per my request. But I believe I should be compensated for the Fee and the lost opportunity to earn XXXX reward points ~ {$600.00}. I can attach my XXXX credit statement for 3 months to support the fact that I did spend more than XXXX USD on that trip.
Product: Mortgage

we hare in our late XXXX with XXXX  and this loan care is committing fraud and throwing ou out of our home of 34 years Please Help,
Product: Consumer Loan

XX/XX/XXXX I purchased a vehicle from drive time in XXXX tn. The amount financed was XXXX. This includes a warranty I purchased with the vehicle. XX/XX/XXXX I voluntarily repo the vehicle after I was told I could not trade as I was told when I purchased the vehicle. Drive time put a charage of XXXX on my credit. According to the laws of tn in regards to credit reporting by buy here pay here businesses. The business may only report a loss. Since I made 13 consecutive payments of XXXX totaling XXXX and drive time stated that the vehicle sold for XXXX. The refund of the difference off the warranty XXXX out the account. So thE amount on the credit report is invalid and fraudulent while also against the law of fcra and the state of tn.
Product: Debt collection

I have requested the Purchase agreement & Debt Validation info - - XXXX has deleted XXXX XXXX XXXX from my credit report, and I do not understand why Equifax - - would move the account from a collection account to a regular account. I have never had an account or agreement with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX XXXX  Dispute Equifax  RE : Dispute Re : Account # XXXX Dear Representative : I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the XXXX myself and have been unable to get them to respond or to verify that this is indeed my debt WRITTEN PROOF. The credit bureaus have not been provided Proof that this debt occurred and was caused by me. You have not provided proof that this debt occurred and was signed by me. It is in the best interest of the Law and Credit regulations to remove this from my credit rating otherwise without proof of verification and valid proof this has to be removed from my credit report at once. Failure to Provide evidence that may be used to established fraud which I have stated. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to XXXX. The credit Reporting agencies do not have proof that this debt is valid. I do not have proof. Delete ITEM as it violate Fair Credit Reporting. 

The FCRA requires you to verify the validity of the item within 30 days or remove it. If the validity can not be verified you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

1. Please provide my written signature or valid proof that what your claiming is in fact my account. 

2. Please dont simply state verified, please provide me written proof Per FCRA that this dept is valid. 

3. That the debt you say I owed and this account was setup, funded and used by me while I was XXXX. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item which I have researched and determined does not belong to me, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my own area. Furthermore, I believe my local news reporters will find this refusal on your part to comply with the law very interesting. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security # XXXX
Product: Checking or savings account

Having a credit card with Citi bank, I received an offer to open a new checking account online. This offer included a {XXXX} bounce if I deposite {XXXX} within 20 days of opening the account. If I kept the funds above {XXXX} for 60 days I receive the {XXXX}. I opened the account on XX/XX/2022 and within a few days there was more than {XXXX} in the new checking account with Citi bank. 60 days passed and I didnt receive the {XXXX}. I called the bank on XX/XX/XXXX and requested to speak to supervisor who credited {XXXX} into the account. On XX/XX/XXXX I realized that {XXXX} taken back by the bank, I called on the same day to find out the reason. The supervisor answered that the bank decided that because I transferred the funds through XXXX that I didnt meet the requirements and for this I will not get the promotion. The offer doesnt state that I couldnt transfer the funds electronicly. The supervisor at Citi further mentioned that the only that I could have received the bounce when I physically took the funds to a branch and deposited with a teller. Again, this isnt mentioned in the offer. I believe that I was misled by Citi bank and Id like to ask you kindly to help me obtain the {XXXX} back. 
Many thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; Medical XXXX Balance : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On friday XX/XX/2023 I got a direct deposit from my job. As soon as the money was on my account bank of america took it and applied it to my other account I have with them that was overdrawn. Payments were being made to the overdrawn account. They decided to take all of the money and leave me with nothing to pay rent and utilities. I called them to get the transfer reversed. But they were unwilling to help. I even said that I just needed back what i need to pay rent and the rest could go towards my overdraft. I eventually asked to talk with a manager to see why they wouldn't reverse it. All I got from her was attitude. I never received any phone call or e-mail from them stating that this what they were going to do. They told me they didn't have to call me and let me know what was going on.
Product: Credit card

My first statement came in and I sent it back certified mail to the conditional payments address with my signature on it. I received the Green Slip in the mail and My account was never XXXX out and I have not been able to access my credit since. Now I keep getting hit with fees and they keep saying I owe them when I have presented them with the security the first time and have yet to get access to my credit again. As my other statements are coming in I have sent 2 other statements registered mail to the indenture trustees on 2 different indenture agreements in hopes of getting my credit card back up so I can use my right to credit. I have not herd anything back from these people who I have sent registered Securities to when it says in the indenture agreement they are responsible for handling all securities.I just want a place to send my securities and I will know they are being processed correctly and It will reflect my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Losing my wallet has compromised my identity and the aftermath is a result of unknown and unauthorized accounts reporting on my credit profile. These unauthorized accounts shall be removed from my credit file immediately. The following accounts are. 

1. XXXX XXXX  2. XXXX XXXX XXXX XXXX 3XXXX XXXX XXXXXXXX XXXX  3. XXXX XXXX XXXX 4XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. Dept of E/DXXXX XXXX {$3800.00} 8. Dept of EDXXXX XXXX {$1900.00}
Product: Student loan

I signed up for a XXXX XXXX called XXXX  when XXXX XXXX  I was originally on XXXX  for a loan. XXXX is unable to provide me with any documentation showing that I was enrolled with XXXX. They also were not a legitimate school when doing this, and had no exemption for this. After I started they changed tuition amount and changed the loan service to climb. By then I think they had the correct certifications to be a school but still can not provide me with any documentation that I signed on with XXXX.
Product: Money transfer, virtual currency, or money service

( XXXX, XXXX ) 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 XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.