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

I want to change my residence address and employment information on my credit report. I tried to get my credit report online so that I could change my residence address and employment information, it needed to be updated becauseit has changed and what Equifax has on my credit report is incorrect. I went through, XXXX to get my annual report. 

Equifax would not give it to me online, XXXX had me fill out a form and send it to them along with my driver 's license and social securitycard, which I did. 

On XX/XX/XXXX, I receiveda letter from Equifax stating they wanted me to send them the same XXXX asked for, which was my identifying documents, which I did. I sent them a letter to change my residence address and employment information, along with the info they requested. They still did not honor my request. 

On XX/XX/XXXX, I receiveda letter from Equifax reiteratingthe same letter they sent to me on XX/XX/XXXX, excludingmy change of address and employmentinformationand sending me verification that the change has been completed. I want my residence address and employment information changed to the correct information.
Product: Credit card or prepaid card

Chase XXXX Account Number : XXXX XXXX XXXX XXXX OnXX/XX/XXXX, I booked a hotel room at the XXXX XXXX XXXX on my XXXX card number XXXX XXXX XXXX XXXX. The payment amount was {$250.00} for a two night stay, with check in XX/XX/XXXX, and check out XX/XX/XXXX. This is documented in Exhibit A. 

I received a voucher reference number XXXX, which confirmed the hotel reservation details. I was advised that I would need to present this voucher and identification at the time of hotel check in. The voucher is documented in Exhibit B. 

On XX/XX/XXXX, I checked in to the XXXX XXXX XXXX hotel, and presented my voucher and identification to the receptionist. The receptionist requested that I pay a Resort Fee of {$74.00} for the two night stay, and stated that the Resort Fee was required to cover use of swimming pool, car parking facilities and internet. I advised the receptionist that I would not be using the swimming pool, and that both car parking facilities and internet were advertised as being free. 
The receptionist then advised that the Resort Fee was a mandatory requirement, so I reluctantly paid the {$74.00} Resort Fee, which is documented in Exhibit C. 

On XX/XX/XXXX, I telephoned Chase XXXX on XXXX, and advised them of the series of events, as described above. I requested that they refund the {$74.00} Resort Fee, as this had not been disclosed to me at the time of booking. I explained that I had been forced to pay this in order to occupy the hotel room. 
Chase XXXX advised that they would issue a temporary {$74.00} credit to my account while they investigated the dispute. Chase XXXX advised that they would inform me of their decision within 30 days. 

I received a letter from Chase XXXX, dated XX/XX/XXXX, advising that they had removed the temporary {$74.00} credit, and that the disputed amount would appear on next billing statement. The letter is documented in Exhibit D. 
The merchant documentation referenced in the letter is documented in Exhibit E. It would appear that the merchant documentation supplied was issued in error, as it is written in a foreign language, and makes reference to a {$1000.00} amount.
Product: Credit reporting

Equifax : ( While trying to make an inquiry ) With every choice of a menu item, they seem to add a delay ; so, it takes a lot of time to correct a false credit report item. Also, in the middle of my effort ( after a large investment in time ), the process was ended by Eqifax with a message : " SYSTEM CURRENTLY UNAVAILABLE '' We are unable to process your request '' " Please try again later ... '' and they suggest going to their email inquiry process. ( and starting over ). 
This is n't the first time they used this tactic. It worked on me the first time ; but, I 've resolved to complete it. 
Also, although I 'm going to see if there 's a specific page within your site where I should report this, I was surprised to see an inquiry from Vivint on my credit report. I did not knowingly authorize this. It 's a concern since my score has decreased by XXXX % in 6 weeks. I 've authorized XXXX or XXXX inquiries and would n't have expected this. There have been no other net changes to other credit report items.
Product: Debt collection

XXXX XXXX Account # XXXX asserted collection for Comenity Bank for {$560.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. XXXX XXXX is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. Historically, XXXX XXXX has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XX/XX/XXXX report and my XX/XX/XXXX XXXX Credit file reveals XXXX XXXX extending this reporting time by an additional 2 years. 

The actions of this collector is reckless, targeted, and with malice intent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

while i was purchasing my home i applied for homeowner insurance i submitted XXXX different quote from XXXX different companies naturally my lender went with the lower of the XXXX the other company was notified they are trying to collect XXXX dollars for covering the house when in fact it was insured by state farm already
Product: Money transfer, virtual currency, or money service

I paid a man I met on XXXX the total of XXXX USD for two tickets to a XXXX XXXX XXXX concert. I was promised his log in information because tickets are nontransferable. His name on XXXX is XXXX XXXX. I contacted him for one ticket. I made a payment of XXXX through PayPal but due to fees became XXXX USD connected to the email XXXX on XX/XX/2019. He then informed me because he would be giving me his log in information I would have access to all his tickets through XXXX  but because he had two tickets I needed to also buy the second. I was hesitant but he insisted he was not a scammer and told me he would only charge me XXXXUSD this time. A second payment was made on XX/XX/2019 this time of the amount of XXXX USD. XXXXUSD was paid because of PayPal fees. XXXX XXXX sent me the Paypal of XXXX XXXX to send money to. When asked about this he claimed it was the Paypal of his room mate. After doing the first transaction of XXXX USD he told me to use the email XXXX for the second transaction claiming this one as his personal email but I did not do so instead I sent the money to XXXX XXXX XXXX paypal through the email XXXX like I had done the first time. XXXX XXXX kept in contact with me the later that day and said he could not contact his roommate to confirm I had made the payment so he could not give me his log in. I called him through XXXX and texted him many times after this to no avail. I am now blocked on messenger and his account is gone. He had also given me this number XXXX and texted me from this number assuring me he would not scam me. I lost a total of XXXXUSD XXXX was lost to the scammer XXXX while the rest was given to Paypal for fees
Product: Credit card or prepaid card

USAA IS GUILITY OF OBSTRUCTION OF JUSTICE. 1 ) USAA Refuses to provide Documentation upon Completion of Fraud Investigations per Statue. 2 ) USAA does Not Resolve Fraud within 2 billing periods per Statute. 3 ) USAA does Not Provide Timely Fraud Credits per Statues. 5 ) USAA posts SURPRISE FRAUD CREDITS XX/XX/XXXX {$460.00} HIDING DOCUMENTATION OF SPECIFICALLY WHAT TRANSACTION DATES FRAUD IS CREDITING ON WHICH CARD per statues. I have requested numerous times TO NO AVAIL. 6 ) USAA COLLECTS ON ID THEFT against Statue. See attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} UNAUTHORIZED TRANSACTIONS COMPLETED FRAUD INVESTIGATION. USAA Is this what the surprise credits are for XX/XX/XXXX?? IS USAA FINALLY PAYING FOR FRAUD THEY HELD ME LIABLE FOR FOR TWO YEARS?? THE ACCOUNT THAT DESTROYED MY CREDIT?? THE ID THEFT case XXXX??? USAA IS PROVIDING FRAUD CREDITS TWO YEARS LATE AND REFUSES TO DOCUMENT. Why????????????? ( 6 ) STATUES BROKEN WHY IS USAA ABOVE THE LAW ON ALL 6????
Product: Debt collection

On XX/XX/2023 I received two text messages from someone named XXXX with Customer Care Global stating they received a notice from their website that I submitted a dispute, which I did not. One text message was sent at XXXX and another text with the same exact message at XXXX. I have never contacted this agency before. These messages continued to wake me up and felt very pushy. I have never received a validation notice from this agency yet they have continued to contact me about this debt.
Product: Payday loan, title loan, or personal loan

I received a personal Loan offer from Barclays, a credit card company. The letter stated that the loans were being offered@ 4.99 %, but to accept the offer, I needed to connect to the website, online. No customer service telephone number was provided in the letter. At the website, the lowest interest rate available was 5.7 %, and up, ( based on your credit-worthiness ). 
This is just plain False Advertising. 
I tried a few of their links, and some offered loans - less than 35 % interest, but I didn't see anything@ 4.99 % or less. I would like to know, where are these loans are hiding? Since their offer is deceiving, I will look from any local bank, where this does not happen, and I can speak to a real person. 

XXXX is an Invitation number, not a loan. I have their Credit card, but did not originate any loan from them per this generous offer.
Product: Checking or savings account

Citi Bank website said they will pay {$300.00} bonus when we open new savings account and deplosit XXXX funds. After 90 days, I will get bonus. It's been almost 4-5 months but I didnt get any money. When I made few calls to them they kept transferring calls here and there and ask me promotional code. 

I did some online research and found since the offer is for everyone their system generate random promo code for every application in backend and assigns it that customer does not know when they open account online. Customer service hangs up the calls, shows attitude, waste times, put you on hold for long time. No luck. 

Saving account number XXXX You may contact me at XXXX XXXX
Product: Credit reporting or other personal consumer reports

Received a copy of my credit report and there's information that doesn't belong to me incorrect addresses, phone numbers and employment
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$88.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$8.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX XXXX XXXX Balance : {$140.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$53.00} ; XXXX ( Original Creditor : XXXX XXXX ; XXXX ) XXXX Balance : {$820.00} XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters to the credit Bureau concerning the XXXX listed items on my credit report 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX. I have been requesting the removal of these unknown items because they are not y items and they do not belong on my credit report. I am asking for your assistance after reaching out to the credit bureaus since XXXXXXXX XXXX 2022 and never receiving a response or a validation from them. Please assist me with removing the items.
Product: Credit reporting or other personal consumer reports

I have reason to believe that the recent lawsuit from the CFPB against experian has hindered me as well as my credit profile. Experian continues to submit and leave inaccurate information on my credit report. XXXX XXXX auto account is not mine and XXXX XXXX can not just send me a letter stating so. I would like account removed and stay removed as XXXX has done so which I appreciate.
Product: Mortgage

Wells Fargo has been my mortgage carrier since XXXX. I have a conventional, fixed rate mortgage with PMI. I am now trying to cancel the PMI as I know the cost of my home increased. I applied for the PMI cancellation and paid for an appraisal from the Wells Fargo approved evaluator, XXXX XXXX. XXXX conducted the appraisal on XX/XX/XXXX and responded via email on XX/XX/XXXX with the result ( see documents attached XXXX. According to XXXX XXXX my home value has increased and the amount assessed qualifies for PMI cancellation. Wells Fargo is not approving the cancellation until after my 2 year mortgage closure on XX/XX/XXXX. According to Wells Fargo, my investor, XXXX XXXX, requires appraisal value only on terms of structural improvements. Please see page XXXX as the communication is contradictory. I 've spoken to a representative and manager at Wells Fargo already. Please help.
Product: Credit card or prepaid card

TD Bank has failed to implement basic protection to protect card holders from fraud. I have a credit card issued by TD bank. This card is rarely used and the amount charged on the card is not exceed {$100.00} per transaction. 

The card was added to an XXXXXXXX XXXX without my permission. TD bank failed to notify me that the card was added to XXXX XXXX 

Then, the card was charged over {$9000.00} for three transactions in one day. The smallest amount of the three charges is over {$1500.00}. In light of the extremely abnormal transactions and excessive amount of charges, TD bank approved the charges without notified me. 

I was surprised to find out that I have a balance of over {$9000.00}. When I called TD bank to dispute the charges, I was told that I have to pay the minimum balance if the dispute didn't resolve by the payment due day. 

This is outrageous! 

TD Bank has failed to protect its cardholders.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address 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 ( A ) ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( TRANSUNION, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE.

ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. 
UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION.

ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. 
TRANSUNION, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, TRANSUNION, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.
Product: Money transfer, virtual currency, or money service

I sent money to my mother and it was a fair amount of money and it wasnt going and I called but I pretty much sat there with nothing happening, and when my mom sent me back the money it wouldnt let me into the app to withdrawal it. After days of trying it let me in but with drawing it was horrible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information reported on the XXXX XXXX XXXX XXXX  account associated with all the information being reported on my credit report by XXXX XXXX. I do not acknowledge this account as mine. Specifically, the outstanding balance and past due amount are incorrect. Upon reviewing the information, I found that the past-due amount reported exceeds the credit limit. This discrepancy raises serious concerns regarding the accuracy and fairness of the reported information. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to dispute inaccurate information on my credit report. I respectfully request that XXXX XXXX XXXX XXXX take the following actions : investigate the account to verify the accuracy of the past due amount reported, considering that it exceeds the credit limit ; correct the inaccurate information if the reported past due amount of {$1800.00} is indeed an error, and update all records and credit reports to reflect the correct balance ; provide a detailed explanation if the past due amount is accurate, along with documentation supporting the validity of this balance. According to the FCRA, 15 U.S.C. 1681i, Wells Fargo is required to investigate disputed information within 30 days and correct any inaccuracies found. Additionally, under 15 U.S.C. 1681s-2 ( Section 611 ), furnishers of information to consumer reporting agencies must promptly correct and update information found to be incomplete or inaccurate. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to request validation and verification of the debt. For all such issues in dispute please remove this account from my credit report. I trust that XXXX XXXX XXXX XXXX will address this matter promptly and ensure that all records accurately reflect the status of the account. Please provide a written response to my dispute within the legally required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 ( A ) ( 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case