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

I received my monthly statement from discover for  XXXX   XXXX  the to  XXXX   XXXX    XXXX  . It had an additional fee charged as minimum interest charge fee. I called to ask  Discover  what the charge is about and I was told by  XXXX   ( EMPLOYEE  ID #  XXXX  ) that it was for my  XXXX  purchase on  XXXX   XXXX . I argued that a purchase in the current statement should not be charged interest until the statement bill is due. I was told that since I did a balance transfer in  XXXX    XXXX  , all purchases after the balance transfer will be charged interest immediately. I reported that I wasnt told about this and this sounds pretty deceptive. She told me it was in the fine print of the balance transfers.   It just seems that this is another way of credit card companies to make money by not disclosing the terms and charging fees at very high interest rates.
Product: Money transfer, virtual currency, or money service

You are experiencing a missing payment issue with Square, where funds that belong to you have either not been transferred to your account or have been sent to an unknown account. Despite reaching out multiple times, you have been repeatedly transferred between representatives, disconnected, and left without clear answers.

Square initially informed you that an investigation was underway and that you would receive an update within seven days. However, that deadline has passed, and you have not received any resolution or communication regarding the status of your funds.
Product: Credit reporting or other personal consumer reports

XXXX this year XXXX a collection reporting appeared on my Experian credit report from XXXX XXXX XXXX for past due debt in the amount of {$790.00}. On XX/XX/XXXX I wrote to this company asking to submit proof of this debt and havent received any information. I wrote and mailed a second letter on XX/XX/XXXX and the same no respond from that company. XX/XX/XXXX I contacted Experian and advised that this debt shouldnt be on my credit report and how the company filed validated the debt. On XX/XX/XXXX I received notification that the dispute was completed and they verify that the company certify that the information was accurate however but company have yet to submit any proof of validation of this debt to myself. 

Is extremely unethical and this deceiving the credit Bureau to take advance of consumer like myself and the credit bureau is not helping. Please see proof of both letter send and email from Experian
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  VP of Mortgage Lending Guaranteed Rate contacted me with an unsolicited email wanting to engage to offering to adjust my mortgage rate that was just taken out with Guaranteed Rate and after mortgage close was sold to XXXX XXXX I asked him to call me to provide information as to how a reduction in my rate was possible through Guaranteed Rate when my Mortgage was no longer with Guaranteed Rate. I was asked to " authorize him to review my Guaranteed Rate Account '' before he could provide further information. Prior to providing information he did a " Hard pull on my credit report '' WITHOUT MY AUTHORIZATION. 

The tactics of Guaranteed Rate were very suspect from the initial contact, the tact that was taken was very to be very " Slick '' in convincing a consumer that they were offering a no cost solution to adjust mortgage rate since mortgage was less than 3 months old which I already knew was a complete lie and he was attempting to have my mortgage refinanced as a new mortgage with Guaranteed Rate which I had no interest in doing. 

At no time did I engage to start a process in a refinance of my existing mortgage and yet he did a hard pull on my credit without my approval.
Product: Debt collection

I made several attempts to contact this company by calling them at XXXX ( XXXX ) XXXX XXXX regarding a XXXX XXXX account that has been paid and closed by me. This account was closed because I switched providers. before I was able to switch providers I had to pay my balance on my phone and my balance in order for them to unlock my phone to receive a new sims card. When I call I am always transferred to an agents voicemail leaving my contact information i.e. ( phone number, and email address ), but have been unsuccessful in receiving a response or communicating with anyone. XXXX is telling me that they have no information because there is no account. So, I'm at a lost and don't know what to do.
Product: Credit reporting or other personal consumer reports

Subject : Update of Personal Information - XXXX XXXX XXXX [ Date ] XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXX, IA XXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. 

Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX has reported an account I never was able to dispute. When I contacted them, they told me the collection was with XXXX XXXX XXXX. I attempted to reach them and was unsuccessful. I filed a complaint and their response was they didnt report it and my debt is with another company. Again, I was not notified from the Creditor or the agency of this debt at all in no form or fashion.
Product: Credit card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below and talked to them about the issue with my account as reported by the NATIONSTAR MR COOPER. They have advised me that they will remove the account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the NATIONSTAR MR COOPER came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report.
Product: Credit card or prepaid card

I am a victim of Identity theft, someone earlier had opened a store credit card in my first name and my ex-husbnad 's last name. That name is not my legal name. A dispute was filed, complaints were mad to FTC, the clothing retailer the bank that handles their card. I received a letter in the mail on Thursday XX/XX/XXXX that someone tried to apply for a XXXX XXXX clothing company store credit card in that same name. The bank that handles their store credit card is Capital One. Of course, by security freezes and fraud alerts have been placed with the credit repoting agencies. So capital one has denied the application. I would like Capital One and XXXX XXXX to furnish me with information pertaining to the person who applied for this credit card in my first name and my ex-husband 's last name. The credit agency that handled this inquiry was XXXX.
Product: Credit reporting

I was denied credit from a lender which stated I had too many inquiries. Upon review of my report I noticed that there were inquiries that were not authorized. I contacted experian and was told they could n't do anything about it. I 've had fraud alerts placed on my reports. I 've done my own investigation in which none of these companies received identification or authorization to pull my credit for any cause.    XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX  dealer  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX  loans  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX  t  XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX   XXXX   XXXX  bank  XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX
Product: Credit card or prepaid card

first was my account was false about me having late payment history on my secure card with citi, so after citi received my filed claimed, my other card with citi Bank which was a unsecure credit card with an amount of {$3500.00} limit was lowered to {$900.00} for no given reason when i contact Citi card bank they said they can do this if they want at any time so now they have closed my unsecured account for no reason, so now I want to filed a complaint for unjustified and retaliation because of my previous complaint filed with CFBP, PS I have never been late on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed that some payments were being reported as late on my XXXX XXXXXXXX credit card. So, I immediately called my creditor and informed them of the matter. I even spoke with a higher up head person in charge at the time and was assured that they late payments being reported were false and that on their end everything on their system is showing as on time. Now I know I immediately called the credit reporting agencies and informed them of the matter. I requested that they investigate this matter properly and DELETE the late payments being reported or Update my account but rather than doing that they did nothing at all. They kept all the information the same and placed a marking on my profile as UPDATED. They clearly did not investigate the matter properly and decided to properly report false and inaccurate information on my consumer credit profile. 
I was also informed while on the phone with a representative that due to the COVID 19 pandemic for such period of time they do not report late payments on the consumer report so if there were any late payments being reported they are inaccurate and that they should not be reflecting on my consumer credit file.
Product: Credit reporting or other personal consumer reports

Good day I am making a complaint concerning several accounts that have I have been disputing for a few years now. The creditors are XXXX XXXX XXXX, XXXX XXXX and XXXX which lists 3 separate accounts.I will start with XXXX XXXX  XXXX this account was actually removed from my credit report and blocked as a fraudulent item but all the credit beauru 's let them insert the information back with no fight and I have been told that there is nothing that can be down. XXXX XXXX and XXXX all they state is that the information has been verified as accurate and no further information has been given. I am now attaching a signed and notarized FTC affidavit along with a police report and I am again requesting that these items be removed from my credit report and please send an updated report showing that these items have been removed due to identity theft
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXXXXXX XXXX reported back to you that the account was inaccurate and marked for removal. It is now XX/XX/XXXX and it is still inaccurately reporting as a collection. This was supposed to be removed in its entirely. It is a shame that companies like this can put things on you national credit report that prevent things like housing for your kids. They should be fined and made to immediately remove this and put out of business.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

I sent a Certified letter to the collection agencie Calvary SPV I, LLC on XX/XX/2020 Disputing Validation account # XXXX Original creditor XXXX, Calvary SPV I, LLC response was a letter dated XX/XX/2020 and another letter on XX/XX/2020. The acknowledgement of the dispute is receipt and would inform the consumer reporting agencies and fails to investigate and deliver a full validation of the account, Recomending to write again with in 150 days from the date of the letter. 
I then proceeded to request a validation on XXXX  and was removed ,30 day the account was reinserted. 
1-.According to FDCPA if they have not yet validated your debt and still continue to report to the credit bureaus its a violation FDCPA Section 809 ( b ) FTC opinion letter case from XXXX  2-.This account was never reported to XXXX  as Disputed with in 30 days violation FCRA Section 623.

3-.Account Reinserted without notifying in writing within 5 business days violation FCRA Part ( A ) ( 5 ) ( B ) ( ii ). 
4-.A validation on account was not met satisfactory needs FCRA, contract and signature.

I m attaching some of the documents that I have in my possession that support my claims.

My request is that this account that is not mine be Removed from all 3 Credit Bureaus XXXX, XXXX, XXXX.Reason : Defamation, Financial Injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I've disputed a inquiry made from XXXX XXXX XXXX  that I don't not recall resolution from equifax looks to be you requested the inquiry which I haven't did because I been trying to fix my credit.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Email : XXXX XXXX, XXXX XXXX Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX KY XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX IA XXXX Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$970.00} Account Name : XXXX XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$2200.00} Remove Fraudulent Inquiries listed below : XXXXXXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Inquiry, XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX 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 or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX IA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is attempting to collect a charged-off debt originally reported by XXXX XXXX. Despite my request for validation, I have sent out a letter XX/XX/year> they have failed to provide sufficient documentation proving the legitimacy of this debt. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically : 1. 15 U.S.C. 1692g ( b ) Failure to validate the debt upon request. 2. 15 U.S.C. 1692e Engaging in false or deceptive practices by continuing to pursue collections without providing adequate validation. Additionally, XXXX XXXX XXXX is violating the Fair Credit Reporting Act ( FCRA ), particularly : - 15 U.S.C. 1681s-2 ( b ) Reporting inaccurate or unverifiable information to the credit bureaus, thereby damaging my credit profile.

Impact on Me Their actions are causing significant harm to my creditworthiness and financial stability, as this debt is inaccurately reported and unvalidated. These practices are unlawful and have negatively impacted my ability to secure credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY FINANCIAL sent me a notice of repossession for a XXXX XXXX. ( I cured it by selling the car and paying off the balance IN FULL ). However, prior to me doing so, they repossessed the car ILLEGALLY by having the company they hired illegally walk onto our private property and break into our closed locked garage door... then removed the car! This is absolutely illegal. Repossession agents are not allowed to break into private property ( open a garage door ) to repossess a car. 

They then proceeded to act unethically and without any care in the world for how it affected my credit scores ... by inaccurately reporting it for years on ALL XXXX CREDIT BUREAUS, first as repossessed, then after many years they put redeemed repossession, both wrong. An illegal repossession can not be reported on one 's credit bureaus, the account MUST BE REMOVED ENTIRELY, or changed to ONLY positive reporting. I have written them for years, wasted so much time, emailing letters, mailing physical certified letters, and calling them requesting they remove my account entirely since it is inaccurately reported and has caused me serious credit damage. They REFUSE to correct my credit report and are still reporting it as repossessed. 

Please make them remove the entire account. They should also pay me damages for causing me credit damage. Sincere thanks.
Product: Payday loan, title loan, or personal loan

I obtained a loan I qualified for through XXXX XXXX  originally through springlight financial the agreement was XXXX XXXX dollars with a orgination fee of XXXX XXXX dollars, to be repaid at 35.93 % interest over 48 months paying XXXX per month 45 days after the date of contract ( XX/XX/2022 ) All was well I made my payments on times then one day the company sent me a email saying that they had sold to a new company called XXXX XXXX XXXX I should note that the original company was actually called skopos financial LLC D/B/A springlight financial I had no clue of this until recently ) I paid no mind to the change and continued paying my monthly bill. I ended up hurting my back and being out of work for a while and I started to notice how my ammount due was not ever going down on my credit, so I investigated a little more and to my findings I believe I'm victim of some sort of securities fraud. None of the company 's have any current filings as they should you can't even find XXXX XXXX  or springlight financial on sec.gov XXXX search i take that back XXXX  XXXX does come up its clearly fraudulent the phone number it gives on there is " XXXX '' and it even says that the only filing available hadn't been reviewed yet by sec gov, for skopos financial LLC it says they are a asset backed securitizer & the abs asset class is auto loans, mind you my loan was a personal installment loan, it says the fiscal year end for skopos  is " XXXX '' clearly something is not right with any of this and something fraudulent is taking place. There is a case number on skopos financial I found where they were ordered to file timely and accurate annual reports that case number is with office of consumer credit commissioner state of Texas case # XXXX. Please investigate this promptly