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

On XX/XX/2021 I placed an order at a restaurant called XXXXXXXX XXXX XXXXXXXX XXXX, as directed I went to the restaurant to pick up my order and the worker told me they had no record of my order and had no food for me. I showed the restaurant worker the pre charge on my phone that o a pending charge of {$75.00}. The worker then proceeded to berate me saying there was no order. I then advised the worker that is alright I will go to another restaurant, to cancel my order. I then left and picked up dinner at another restaurant ( left without any food because there was none and I was being treated with disrespect ). 

XXXX XXXX still charged me the {$75.00} and I then disputed the charge with USAA banking credit card services explaining in detail what had happened. 

I then received a letter from USAA stating they needed more information, I call them immediately, spoke to a representative and further explained that I did not receive, nor did the restaurant have any food for me. The USAA representative I spoke to said they would get the information to the dispute department and said the dispute would be approved. 

On XX/XX/XXXX I received a letter from USAA stating that my dispute was not approved. 

It is unethical for the restaurant and USAA to treat this matter in this manner and I hope that you can assist me in resolving this matter. 

The USAA dispute number is XXXX. 

Please let me know if you need anything else - thank you for your time.
Product: Credit reporting or other personal consumer reports

Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts and have no knowledge of their origin. In accordance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review.
Product: Student loan

My name is XXXX XXXX XXXX XXXX, I have consolidated loans through NAVIENT, account # XXXX. I am a XXXX serving since XX/XX/XXXX. Currently, I am overseas, address XXXX XXXX, XXXX XXXX XXXX. During the course of my military service, I XXXX, to wit : XXXX. I 've already serviced the debt of XXXX Stafford Loans ( unsubsidized/subsidized ) and XXXX private law loan. I am presently indebted to make payment on XXXX consolidated loans for a total of {$36000.00} in principle@3.5 %. Since I served in XXXX, my federal student loans would have qualified for a 0 percent interest rate during XXXX, as they occurred after XX/XX/XXXX. My understanding is this benefit can be applied retroactively, and so, I would like to be relieved the value of any monies accumulated through interest erroneously applied to the outstanding loan ( s ) through an appropriate adjustment. Additionally, I request an accounting for any of the referenced retired loans/serviced student loan debt. Specifically, I ask that these past obligations be examined to determine whether a recoupment action is appropriate for overcharging any interest applied to principle that was charged for the referenced periods. Should monies be owed, these amounts should be returned to the barrower in full. Lastly, it has been extraordinarily difficult reaching customer service via telephone while overseas. Automated services frustrate efforts at communication because program seemingly incapable of processing complex speech-based inquiries ( also necessitates paying international service charge rate ; inefficiency creates more expenses for Servicemember barrowers attempting to resolve matters ). Next, I 'm seeking clarity on whether my outstanding student loan debt qualifies under the Public Service Loan Forgiveness ( PSLF ). I have served on XXXX for more than 10 years, and previously a customer service representative suggested my loans would not when raising the concern.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of the late payment is XX/XX/2018 where I am marked for a 90 day late payment. I have never missed a late payment and XXXX has cleared the remark but readded the late payment when I never had a late payment and it should be removed. Also, with Experian they refuse to honor the holder of the loan DEPT OF EDUCATIONXXXX where I have not missed a late payment and refuse to give me a reason or response as to why this 90 day late payment is still on my report and it should not be. I am trying to qualify and get a house and this is severely hurting and impacting my credit to where I can not get a house for a late payment that I did not miss. I am sick and tired of dealing with this and I need to see this 90 day late payment from both XXXX and Experian removed that I did not do!
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.
Product: Debt collection

This is not my account I do n't understand what 's going on I have an account with this company and its in very good standards and activite.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2017, Wells Fargo in XXXX, MN accepted and signed for a XXXX XXXX overnight pkg that contains 2 checks to pay off my 2 Wells Fargo accounts. One being a Personal line of credit with the check amount of XXXX and the other amount of XXXX. Wells Fargo has no knowledge of where these checks are to pay my accounts in full. I would like this investigated as I have already contacted Wells Fargo twice and have received no assistance with whom to contact to investigate this matter on my own. 


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 XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 a letter was sent disputing the inaccurate and incomplete information on my consumer report I was never notified about the investigation see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an alert from Equifax, stating, I applied for credit from XXXX XXXX XXXX on XX/XX/XXXX. Contacted XXXX XXXX XXXX on XX/XX/XXXX, spoke with several individuals over 45 minutes. XXXX stated they couldnt do anything or provide any information and file a dispute with Equifax. I filed a fraud dispute with Equifax on XX/XX/XXXX. 

On XX/XX/XXXX received an alert ( Conf No. XXXX ), stating my dispute was complete. Equifax stated ( XX/XX/XXXX telephone call ), they can not remove the hard credit inquiry from XXXX XXXX XXXX and I need to contact XXXX. I contacted XXXX on XX/XX/XXXX, they said I need to contact Equifax to have it removed. Called Equifax again, informed them what XXXX said and I requested a supervisor. Informed the female supervisor of the situation, she said again, contact XXXX, they have to request the removal of the hard inquiry. I informed both companies, this was a fraud credit request. Both parties are saying contact the other party. I have spent over 2 hours on the telephone with Equifax and XXXX XXXX XXXX requesting the hard inquiry be removed from my credit.
Product: Debt collection

On or about XXXX I sent a dispute / cease communications letter to PRA. ( Portfolio Recovery Associates ) In XXXX, they started calling again and placed 8 calls to my number in violation of 1692 C ( c ) and 1692 D.. the XXXX Unfair Trade Practices Act, and XXXX debt collection laws. 

I contacted them and they stated that they were " looking for another consumer. '' This is false, since I live alone and have for 5 years. There is no " other consumer '' here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is allowing Knights Adjustment Bureau to report past due balances on my credit report when the account in a Chapter XXXX. XXXX  is reporting a balance of {$270.00} and late payments for this account. I have disputed this account at least 5 times and XXXX  refuses to remove it or make the creditor report a {$0.00} balance like all the other creditors in my Chapter XXXX.
Product: Student loan

I have been reading more on this website provided by cfpb and I am concerned by the fact that I have never been given the XXXX Tax form. Although this is not a federal loan it is a Private loan that was paid directly to the recognized eligible educational institution " XXXX XXXX the School '' in XXXX, Rhode Island ( year of 2006 ) where I have accrued XXXX worth of interest. This was a school to receive higher education. I have spoke to a few representatives ( throughout the years ) at Navient who have all told me I am not eligible ... But according to my reading here on cfpb, I am.
Product: Mortgage

On XX/XX/2023, XXXX XXXX XXXX from Rocket Mortgage called me about refinancing my home because I am actively requesting quotes in order to take out some equity from my home. We talked for about 20 minutes on speaker phone so I could continue to work. During that time, he aggressively asked questions and was hard to get off the phone with. He even tried to gas light me by calling me " moody '' because I wouldn't let him push me around.

When we finally got off the phone, I received a text from a credit monitoring company that someone had pulled a hard pull on my credit. I quickly found out that it was XXXX XXXX from Rocket Mortgage. At no time, did I authorize a hard pull. There would be no reason to because I had not made my decision on what mortgage company to use. 

I spoke with Rocket Mortgage 's company and found out how to ask for a Letter of Deletion. I hand wrote the letter as requested and emailed it to XXXX. I have not received notice that they have received it. 

I spoke with XXXX XXXX next and he told me he did receive authorization. I asked for and have received the audio. At no point did he ask or did I authorize the hard pull. After listening to the audio, I discovered that he casually remarked ( 8 minute mark ), " I'm going to run a formal credit report for ya for the approval. Are you a military veteran by chance? '' I responded, " No. '' There was no question or approval from me.

Again, he never asked me and I never authorized a hard pull on my credit report. We never discussed my credit ; he never asked if I knew my score. He did that in order to force me to use Rocket Mortgage because we all know that hard pulls stay on your record for a while and bring your score down. In order for me to go with someone else assuming that I take out equity at all ( which I haven't even decided ), another hard pull will have to happen and that will be XXXX. As I stated repeatedly, I am only seeking quotes. 

XXXX XXXX 's tactics are manipulative, unethical and unprofessional.
Product: Credit card or prepaid card

I booked a flight on XX/XX/XXXX. My American Express gold card had travel interruption insurance. The flight was set for tomorrow XXXX but my spouse has the flu and the trip was interrupted until Wednesday XX/XX/XXXX. The airline assessed a {$400.00} change fee. American Express claims they stopped offeringtrip interruption insurance in XXXX. They did not notify me and also I booked this before in XXXX when I had coverage.
Product: Credit reporting or other personal consumer reports

I was completely stunned this morning to see inaccurate accounts on my credit report, and I can't figure out how this happened. I check my credit report regularly, but this time, there were discrepancies that caught me off guard. I even refreshed my browser, thinking it might just be a glitch, but nothing changed. Because of this, Im urgently requesting that the documents Ive sent be thoroughly reviewed so I can avoid this kind of problem in the future.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries
Product: Consumer Loan

RE : Account : XXXX XXXX - primary signer on car loan// XXXX XXXX co-signer on car loan CRPB Consumer Financial Protection Bureau : 1 ) Negative reporting notices sent to all XXXX credit bureaus 2 ) Inaccurate reporting on behalf of the Account : XXXX Santander Consumer USA informed the primary signer of the car loan that one of the methods of making car payments would be through XXXX Money transfers ( see attachment of XXXX Money transfer confirmation that payments were sent through their financial institution to Santander ). Santander in turn informs XXXX that they have " no records '' of " said payments '' even though there is a XXXX confirmation of payments from XXXX? It 's unbelievable that this continued to occur for three months? For the past two or more months monthly payments are now going through without a hitch thru " XXXX Money transfers '', ( Why is it that Santander can now receive noted payments from this entity now? ) Santander has reported to the major credit bureaus " 90 Day late status on this account '' UNBELIEVABLE and it is showing on my credit report that the account has been in late payment status for 90 days. 

XXXX has called numerous times trying to clear this issue up without success ... the incompetent company 's customer services representatives were calling XXXX about late payments/missed payments while her mother was XXXX in a skilled hospital ( numerous times ) and have called me numerous times while I 'm at work and can not receive calls during meetings ( this is unbelievable and I wished that I did not co-sign on this loan with this particular company ). 

I want this company to correct the wrong handling on this account by sending out a correction regarding incorrect reporting of missed/late payments ( 3 months of late/missed payments ) that is reflected on my credit report and on XXXX credit report. 

I would like for the CRPB Consumer Financial Protection Bureau to also look into this matter and respond back to me on their findings. 

XXXX XXXX, Oklahoma XXXX XXXX Copy : File CRPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, TransUnion has not responded answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX : XXXX  I believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Un-Authorized inquiries 



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 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 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

{$94.00} XX/XX/2021 in accordance with the fair credit reporting act this creditor has violated my rights under 15 use 1681section 6 of 2 states I have the right to privacy15 use 1681section 6 o 4 a section 2it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX THE FOLLOWING IS A FRAUDULENT ACCOUNT AND NEEDS TO BE REMOVED : XX/XX/year> XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TransUion
Product: Credit reporting

My credit report shows XXXX open amounts from XXXX collection companies that have been paid since 2011. 

I am trying to get a home loan and I am unable to get my score to go up. I make regular payments and pay my cards off or at least to XXXX the remaining balnce at most.
Product: Checking or savings account

I received a letter date XX/XX/year> from XXXX XXXX XXXX ( phone XXXX, XXXX account number XXXX ) indicating an account balance due of {$490.00}. I first contacted the bank in XXXX to inform them that I was a victim of identity theft and that this was an unauthorized account. They recognized this account in my name but could not give me much information on said account due to a password protection. I contacted the debt collection company to indicate I disputed this debt. They suggested I fill out a fraud affidavit and a police report. 

I have been a victim of identity theft on other occasions where an unauthorized bank account is opened in my name. The account is eventually over-drafted and left unpaid. I have placed a credit freeze on my credit report to perhaps keep other institution 's from opening accounts without directly contacting me. 

I did not open this account and did not authorize the bank to open an account in my name. I do not live in Arvest Banks service area and have done banking with the same bank in XXXX for nearly 40 years.
Product: Checking or savings account

I had a list of fraudulent charges on my account I submitted every documentation that the bank asked for with no reveal i was then told the bank will not handle this to take action to recoup the 17 year old which is my daughter who was arrested for this matter. I also had another dispute in for a transaction that had nothing to do with my daughter who I found a recent police report It was also denied but I was told that they didnt have to give an explanation.
Product: Credit reporting or other personal consumer reports

I noticed multiple unauthorized inquiries on my report. 
According to the FCRA ( Fair Credit Reporting Act ) legally these unauthorized & unverified items MUST be removed. All of the inquiries are unauthorized & unverified. I also NEVER gave you guys my written or oral consent to report any of this information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Product: Credit reporting or other personal consumer reports

Equifax is reporting wrong information about me on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

SYNCB/PAYPAL CREDIT CARD XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX XXXX ) XXXX {$35000.00} I never opened or used this account. I have been calling for over a year to get it resolved and with no results. They said I made a payment but I never did ( a payment by phone ). They said I purchased over $ XXXX worth of stuff which I did not. At first they had a Georgia address and I never lived in Georgia.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX  XXXX ( Dismissed ) Ref number XXXX