23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts were charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. There should be no updated activity after a chargeoff is stated. It is my understanding that once an account is charged off there is no activity to be reported after. There can not me multiple months of charge offs. I am requesting that this account be updated or deleted from my report. I would say that qualifies as " poisoning '' a credit report, which is not a legal practice and could mean a potential violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and identified several inaccuracies associated with my account. These discrepancies are affecting my ability to obtain credit. I understand that you will look into these matters to confirm their accuracy. 

Please verify the following item : XXXX XXXX account number : XXXX
Product: Debt collection

Back in XXXX and XXXX I requested aid for federal funding and since then I have been making so many payments through so many Loan Forgiveness programs and none of those payments moved the needle not even an inch not to mention the payment that appears to be owed has quadrupled in interest. There's no way i'll ever be able to buy a house if this fraudulent debt continues to stain my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following items should be corrected immediately : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$7500.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit card

XX/XX/2015 I took out a {$2000.00} cash advance from USAA. I was told over the phone that once I pay off the {$2000.00} cash advance, that I 'd no longer accrue interest on that advance. I even called USAA credit card customer service today and asked them to explain how the cash advance interest accrual system works. The representative advised that once the balance is paid off ( {$2000.00} in this case ), the interest accrual will cease. I advised the representative that I 've paid off more than {$2000.00} worth of payments since the cash advance was requested XX/XX/2015 and wondered why I was still being charged interest if what he said was true. He then came back and advised that " after doing research '' it was discovered that interest on cash advances will only cease once the credit card statement balance is paid in full. The issue is that I 've had a balance on my credit card for years and USAA knew that when I requested the advance and failed to disclose that over the phone. I feel cheated. This is obviously a UDAAP violation ( unfair deceptive act and practices ). Now I 'll be paying interest on the cash advance for years. To top it off, I requested the cash advance papers I signed to confirm the small print that they disclosed this and the representative advised to look for it on USAA.com ( but failed to provide an exact path to locate the documents ). I feel cheated.
Product: Vehicle loan or lease

My car payment is {$480.00} payment was getting made fine until my state delayed my uc funds and work has decreased due to covid. I'm still willing to work the payment out but they will not give me a deferment or forbearance on a loan or lower payment option!!
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft. Ive forwarded police/identity theft reports as well as other information the bureau requested to have items blocked from my report.
Product: Checking or savings account

I received a letter in the mail from Bank of Hawaii stating i need to pay back a dispute credit of XXXX dollars. When I called Bank of Hawaii the call center rep. The call rep said that they will follow up with the dispute department and give me a call back. The call rep said that the dispute center did not provide any reasoning as to why I need to pay back the money. The XXXX dollars was refunded to me 3-4 days after XX/XX/2022 and then today I got the letter from them. There was no reasoning in the letter and dispute center will not give me any reason either.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card or prepaid card

SCAM ALERT/ Fraudulent merchant We made a purchase online with a merchant named " XXXX XXXX '' in the end it turns out this merchant is a fraud. I will attach documents to this complaint. My issue is I NEVER RECEIVED THE ITEM I PAID FOR. 

I contacted the credit card company to assist. they initially gave me a credit. after 60 days my credit card company re charged me the original amount. 

The merchant responded but did not provide proof so my card was recharged. 

Now the details .... 

On XX/XX/XXXX we made an online purchase at " XXXX '' website which was operational at the time. 

We received a confirmation of the order being placed in the amount of {$70.00}, XXXX # XXXX was given. 

On XX/XX/XXXX we emailed " XXXX '' to get an update on order. we did not receive a response. We waited until XX/XX/XXXX and sent a 2nd request to the email address. Still no response. 

On XX/XX/XXXX I called Barclays Bank Credit card ( My credit card ) alerting them that i have not been successful in resolving my issue. I explained to Barclays the order was not delivered and I was not able to reach the merchant. Barclays provided me with a temporary credit while reviewing the dispute. 

On XX/XX/XXXX i called Barclays to ask about the charge on my account for XXXX XXXX for {$70.00} I was told that the merchant provided " Proof '' of my order. Barclays also stated they reached out to me on XX/XX/XXXX. I do not recall any receipt of a call or email on this date. I have reviewed my call log as well as my emails for XX/XX/XXXX. Anyway, I noticed the charge on XX/XX/XXXX. I called Barclays, they stated they attempted to reach out and they stated the charge was being reapplied. I was told i needed to submit a request for an appeal. within a week i received a packet from Barclays with a letter and copies of documents from the merchant. I was told My response had to be returned within 10 days of the date of the letter dated XX/XX/XXXX. I faxed them my response to reopen and reinvestigate on XX/XX/XXXX. The website no longer exists. 

Barclays put the burden of proof on me. However, the information provided by merchant to Barclays only shows the order was received and paid for. I DO NOT see any proof of shipping/tracking or delivery of the item paid for. I have attached all supporting documents I have which was also provided to Barclays. At this point, I am out money and do not wish to receive the item even if available. I want my money back please. 

Thank you for your time.
Product: Payday loan, title loan, or personal loan

1. Agent with Klarna Customer Service Lovepreet intentionally repeatedly called me ma'am, despite already knowing that I am male and that my name is XXXX XXXX XXXX. She apologized and then continued calling me ma'am. I asked her to apologize a second time, and she said " I'm sorry ma'am. ''
Product: Credit reporting or other personal consumer reports

I have have opted out with XXXX XXXX XXXX, XXXX and requested they stop sharing your nonpublic personal information. COMPLAINT ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 two dispute and validation letters was delivered to the company via USPS Certified Mail # XXXX / XXXX. Reviewed my credit report 45 days later which showed the reporting of my accounts as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus several times requesting they delete several items from my credit profile and they have failed to do so. I demanded that originally signed contracts be mailed to my address of record for all accounts that they have " verified '' and they have failed to do so. They are violating my rights as a consumer and hindering me from obtaining new credit which may cause me to seek legal counsel to resolve this matter. I demand these accounts be removed from my credit profile immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally submit a complaint regarding the breach of my personal information due to Cash Apps or Block data security incident I was recently made aware that my sensitive data was compromised due to the breach which I believe constitutes a violation of my privacy and financial security. 

as a Cash App user I entrusted your platform with my personal and financial information expecting that appropriate security measures would be in place to protect me and my data. However, due to the breach my information like my Social Security number, date of birth, My name and account number and all financial details was exposed without my consent due to Cash Apps negligence. 

As a direct result of this I have suffered fraudulent transactions identity theft emotional distress time spent trying to address the matter with no one to call financial loss in a significant breach of trust in the Cash App ability to protect its users. 

I am requesting the following actions to be taken to address this matter Full detail of whom came into contact with my personal information hello **** and the steps that cash app has taken to mitigate harm. financial compensation for the damages I have suffered due to this and the damage the financial compensation on all of the money that was paid without my knowledge and me not being able to do a reversal or speak to somebody or get a hold of the company. 

Please consider this letter as a part of my formal complaint for in conclusion in the Cash App data breach lawsuit I expect a response regarding my concerns and the steps you are willing to take to resolve this matter Should I not receive a satisfactory resolution I will consider further legal action. Thank you for your time and your attention to this serious matter I look forward to hearing from you promptly. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I cant open a bank account no where because Bank Of America have that I owe them {$5600.00} and that I did fraud with them on my consumer report this is false Ive tried to dispute and tell them that I had nothing to do with that and I want it off my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor AFFIRM INC has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account with my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX has previously been informed that my company does not allow personal calls during work hours, XXXX XXXX continues to call my place of employment. This last time the agent hung up without identifying the company she was calling from. The agent then claimed that the work phone number was the only contact information she had for me, which is false. This harassment at my place of employment needs to stop. This call was received at approximately XXXX XXXX  central time on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked them to provide the original contract with my signature for validation of the debts and I have received nothing but stating the debts were valid. Nothing has been removed and it has caused tremendous damage to my overall credit score and is causing me to be homeless because I can't get approved for any houses or anything for that matter.
Product: Bank account or service

Received offer over the internet reading " Bank of America is currently offering a {$300.00} checking account bonus that expires on XXXX XXXX, 2015, for targeted customers. Sign up for a new BOA personal checking account and make XXXX qualifying direct deposit of {$2000.00} or more within the first 90 days of account opening and you will get a {$300.00} banking bonus for opening your checking account. This offer is only for select BOA customers who do not already have a checking account with BOA. There is no offer code required. " I met all criteria. I called to ensure I would get the bonus. They checked and called back saying I would receive the bonus. I later received a letter dated XX/XX/XXXX stating " To qualify for an incentive payout, the promotional offer code must be submitted at the time the account is opened. I called their CS # XXXX ( XXXX, I believe ) and read the above offer saying " no promotion code needed. '' I was put on hold for some time and then told it was because each direct deposit did not total {$2000.00}. I quoted that it did not say " each '' but she would not budge. They were obviously looking for ways to not pay the bonus. I asked to speak to someone else including the one who said I was eligible. She refused saying they were " internal departments '' and could not speak with me. I have now stopped my direct deposits with the intent of closing the account, but would redirect and stay with them if they honored their advertising and marketing. 


When I chatting earlier on-line with individuals, I found they the reps disconneted when they did not know the answer. They are extremely difficult to work with and often very rude. I honestly have never experienced this kind of service of any other business.
Product: Credit card

I had a XXXX credit line Credit card now decrease to XXXX. I used XXXX of this so now i have only XXXX dollars left. Now when you add all the interest and fees this will put my credit limit over and that will show up on credit report which isnt fair to me. I was never late paying this or any of my other credit cards This just isnt fair. this is the reason they said Your XXXX XXXX : XXXX Date : XX/XX/2023 Scores range from a low of XXXX to a high of XXXX. 
Key factors that adversely affected your XXXX XXXX : Too Many Revolving Accounts With High Balance Compared To Credit Limit Lack Of Real Estate Secured Loan Information Balances On Bankcards Are Too High Too Many Bankcards With High Balance Compared To Credit Limit According to my XXXX card my credit score is XXXX good credit XXXX accounts and never late excellent paymenta I still own on my house which was tranfer to to new mortage company
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX XXXX ( Original Creditor : XXXX XXXX ) acct : # XXXX, XXXX, acct : # XXXX, Personal information : XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. 

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 account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX Reference # XXXX XXXX  XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Reference # : XXXX
Product: Money transfer, virtual currency, or money service

I made a transaction on XX/XX/2017 with COINBASE sending over 17k to another coinbase account but other account never received the money. I have made a complain thru CFPB once and when COINBASE received the complain they contacted me right away, which I tried to contacted them over a month but no response.They told me they will solve the problem in a week which has been over a month now. Its been 2 months I still don't have the money. This company is scamming so many people holding funds to make money out of it. I already lost XXXX in value of my currency transaction in 2 months and still they do not respond my emails and when I call they tell me they escalate the problem. They show CFPB and FTC like they are solving customer problems and once complain closed, they do not respond again. I believe what this company does it illegal. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$710.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$1500.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX If account was charged off, the negative history should not be reported.
Product: Credit reporting or other personal consumer reports

I've checked my credit report and noticed some inaccurate accounts reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a marketing email from Credit Karma that implied I had a derogatory mark on my report. When I logged in to get more information, it was determined that I had no derogatory marks. The marketing email appears to be an attempt to use fear of derogatory marks against you to drive traffic to the Credit Karma website. This is offensive and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 Section 602 A : states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear madam/sir, I am writing you to report the company Consumer Portfolio SVC ( Account- XXXX. This creditor has reported on my credit as " charged off ''. When I reached out to the creditor to verify the that input and request a 1099C form. The creditor verified the charge off status and were not able to provide me the 1099C form upon my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Inquiries showing on the credit report from XXXX XXXX and Syncrony Bank that doesn't belong to me
Product: Mortgage

XX/XX/XXXX Gentlemen : XXXX XXXX XXXX XXXX  I purchased my building at XXXX XXXX XXXX, XXXX, IL XXXX. As I neared the end of my mortgage time, the debt collection company XXXX as Mr. Cooper bought my mortgage. As result I have had numerous problems and concerns with the handling of my mortgage and I recognize that I am a victim of Predatory Lending Practices. 
The latest in a long string of concerns involves information that I just recently received stating that Mr. Cooper added {XXXX XXXX to my mortgage for hazard insurance that they purchased to cover them only, at my expense. 
I purchased insurance for my building with XXXX XXXX XXXX years ago, which Mr. Cooper paid from my escrow account. XXXX XXXX reports that Mr. Cooper did not pay the full amount resulting in the lapse in insurance coverage effective XX/XX/XXXX. I received notice from XXXX XXXX that Mr. Cooper did not pay {$150.00} of the total amount that was due and that the balance would be turned over to a debt collector. I immediately paid the balance and updated insurance coverage on my building on XX/XX/XXXX. Regardless, on XX/XX/XXXX, XXXX and XXXX I receive emails stating that Mr. Cooper had purchased hazard insurance in my name. I talked to a Mr. Cooper representative about this and they stated that I do not have insurance and that is why they made that purchase. However, on their own site it indicates that I do have an active policy that is current. 
My mortgage balance was less than {$26000.00}. Now {$14000.00} has been added on bringing my balance to over {$40000.00}. 
I have worked very hard to pay for my building and I cant help but feel that Mr. Cooper is working very hard to steal it from me. I am asking you for an immediate thorough investigation and help with this matter. I am sure you know that the troubled predatory Nation Star is now the same rebranded as Mr. Cooper. 
Thank you in advance for your time and attention. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX in submitting an application to lease an apartment, I was declined due to a collection from 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 

I am disputing this account as I have never received communication from this company and had no knowledge this account existed. I am requesting an immediate removal from my credit report under the Fair Debt Collection Practices Act. This company has never provided details about this debt in writing, email or phone call. 

Sincerely