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

I went to help my daughter get a apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about an I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX  XXXX XXXX {$11000.00} XXXX XXXX {$50.00} XXXX XXXX XXXX {$81.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$6500.00} DPT TREASURY XXXX {$230.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$9000.00} XXXX   XXXX {$100000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Checking or savings account

I have a account that all ways seem to be in overdraft when I get direct deposit for XXXX for me and my son and everytime I took out my money for rent and bills sill had money in the account just so it doesn't go in to over draft The account would take the rest of the money for what ever reason then it was over draft the account and charge me then the money that was in there was deposit back in the account and still be in overdraft for the fees then charges still account on the overdraft account again so the bank then closed my account for to many days in overdraft so I don't know what happened but when I got my purse and everything stolen some one took all the money that I had in the account and replace the card but the damage was already done the bank could help me it was over draft for the fees and everything stolen from my account so it was just so far until I received an letter from the bank by the time I received payment from XXXX till the account got paid by XXXX the bank shuts down the account now I have to pay for the fees and everything stolen from that time till now it put me out of my Apt cause I couldn't pay cause of the bank account and still have not received any money back from the bank or anything else I been homeless since then and it's been over a year since then
Product: Credit card or prepaid card

My card is disabled and blocked. When I tried to inquire on the reason : 1. I was given the answer that my card was fine - its just a glitch. A " glitch '' that is now lasting for more than a month 2. I called again, was told that it was " fraud '' and I should get a letter at anytime - which I never received.

3. I was told I am not " qualified '' to get information on why my account is blocked. 


My account is always paid on time - I am a big spender. I spend a lot, and I pay it off. Somehow this bank does not like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed out a notarized dispute letters to Equifax and XXXX via XXXX Certified Mail, tracking # XXXX and XXXX  Tracking XXXX. Equifax and XXXX received my dispute letters on XX/XX/2018 at XXXX XXXX ( see screenshots attachment from XXXX. ) I received an email from Equifax on XX/XX/XXXX with the subject titled " Equifax Confirmation Number : XXXX - Dispute Completed '' to review the results online and prompted me to login and answer security questions to access the disputed results. 

XXXX has not mailed me any dispute investigation results or any notices regarding my dispute sent to them and are currently 7 days passed the 30 days they have for instigating my dispute as I submit this complaint with the CFPB. 

I believe Equifax is acting unfair and deceptive since I have never opted in to receiving dispute results by email, I have always received dispute results by mail only. 

After I attempted to login to the link Equifax sent me, I answer the security questions as prompted and was declined access to my credit report results because I appeared to have answered the questions incorrectly. 

The questionnaire Equifax provided to gain access to the " completed results '' DO NOT relate or pertain to me in any way.
Product: Credit card

Around XX/XX/XXXX and XXXX XXXX my credit cards were compromised. I had 4 of my credit cards stolen. One inparticular was Synchrony Bank tjmax card. I put in several disputes with a total XXXX stating that I didn't authorize the charges and that I live alone. I contested these charges with the fraud department and each time the reason came back differently. I have proof of my being in the state of California in which I live and the charges range through various states. This has affected my credit and I need it resolved. I'm prepared for arbitration or small claims.
Product: Credit card

Chase Bank offers a plan they call " Chase Pay Over Time ''. It prominently claims to offer deferred payments without any interest charges. The hidden small print is that instead of " interest '' there is a monthly " fee ''. However, the fee is calculated as a percentage of the balance owed/deferred. In essence the fee is identical to interest. In fact by any ordinary use of the English language, the fee simply IS interest. But they just don't admit or call it interest. Nothing could be more costly and deceptive to consumers. Especially given the disparity between how clear they are that there is " no interest '' yet how hidden the " fee '' terms are.
Product: Credit reporting or other personal consumer reports

Im reaching out to dispute several inaccuracies in my personal information on my credit report that need to be corrected. My legal name is XXXX XXXX, and any other name variations should be removed from my report. Also, there are other addresses listed on the report that do not belong to me and should be removed. The only address I have recently lived at is XXXX XXXX XXXX, XXXX, NJ XXXX. Lastly, please remove all phone numbers on my report. These mistakes could affect my credit, and I believe they violate the Fair Credit Reporting Act, which mandates that credit reports be accurate. I respectfully request that Experian update my report with only accurate and verified information. Please provide me with written confirmation once these corrections are made and send me an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

I tendered a Negotiable Instrument, with instructions to discharge the balance on account number XXXX XXXX, on the XXXX of XXXX. XXXX. The instructions referenced in UCC 3-103 and 3-104 spell out the Requirements for Negotiability. ( 1 ) It must be in writing, ( 2 ) It must be signed by the maker or drawer, ( 3 ) It must be an unconditional promise or order to pay, ( 4 ) It must be for a fixed amount of money, ( 5 ) It must be payable on demand or at a definite time, and ( 6 ) It must be payable to order or bearer, unless it is a check. All Requirements were met. The attached Negotiable Instrument is presented under the authority of House Joint Resolution 192, Public Law 73-10. Precedence ha been set with Spencer vs. Sterling Bank, 63 Cal Ap. 4th 1055 ( 1998 ) and Guaranty Trust Co. of NY vs. Henwood et al, 307 U.S. 247 ( FN3 ) The entire taxing and monetary systems are hereby placed under the U.C.C. by The Federal Tax Lien Act of 1966. The attached Tender and Negotiable Instrument were sent to XXXX XXXX XXXX on XX/XX/XXXX. It was picked up on XX/XX/XXXX as recorded by XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, confirming that the account will be considered as paid in full, as of XX/XX/XXXX. A copy of account history shows the account being credited with the Negotiable Instrument, and showing a balance of {$0.00}. On XX/XX/XXXX. The payment was credited on XX/XX/XXXX. I received an email, titled You Are all Finished. On XX/XX/XXXX, I received the clear Title for the vehicle, from the Texas Department XXXX XXXX XXXX. On XX/XX/XXXX, I received a NOTICE OF ACCELERATION, AS IF THE Negotiable Instrument just disappeared, all of a sudden, with no explanation. On XX/XX/XXXX, I mailed an Affidavit of Mailing, which included all previous correspondence, a Notice of Default, and an Opportunity to Cure. Silence is Acquiescence, Agreement, and Dishonor. No Response! On XX/XX/XXXX, a NOTICE OF DEFAULT IN DISHONOR was mailed and received, with mention of additional registered mail which was picked up. Still no Response. On XX/XX/XXXX. I mailed XXXX XXXX XXXX a Notice of Dispute ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. There were no challenges. Fraud was committed because XXXX XXXX XXXX reportedly had thirty days to properly validate the alleged debt. They picked this PROOF OF CLAIM up on XX/XX/XXXX, and had until XX/XX/XXXX to validate the debt. Reporting to XXXX, Equifax, and XXXX was a violation of the Fair Credit Reporting Act ; a Violation of the Fair Debt Collection Practices Act ; Defamation of Character ; and a violation of United States Code Title 18 Part 1 Chapter 63 1341 ( Mail Fraud ). The debt was considered to be invalid due to No Proof of Claim within the thirty-day period from XX/XX/XXXX to XX/XX/XXXX. I was impeded by the adverse action of XXXX XXXX XXXX. Punitive damages must be assessed to deter XXXX XXXX XXXX from engaging in this outrageous behavior going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

PAID FOR CREDIT REPORTS TO CORRECT ERRORS ON MY CREDIT FILE, FILE DISPUTES WITH NO RESULTS.. ITEMS ON MY REPORT ARE NOT MINE EQUIFAX CONFIRMATION NUMER XXXX FOR CREDIT REPORT Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$950.00} XX/XX/XXXX {$85.00} PAYS 31-60 DAYS Closed Accounts Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$7200.00} XX/XX/XXXX {$7200.00} CHARGE-OFF XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF XXXX XXXX XXXX   Show Details XXXX  XX/XX/XXXX {$45.00} XX/XX/XXXX {$45.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX Show Details XXXX   XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX 120+ DAYS PAST DUE THESE ARE NOT MY ACCOUNTS AND I HAVE CALLED EQUIFAX AND XXXX AND FILED COMPLAINTS IN WRITTING WITH NO RESULTS TO CLEAR THESE FROM CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous issues with Transunion not reporting my correct balances on my credit accounts. The most recent is an XXXX XXXX account from XXXX XXXX. My Balance is XXXX and Transunion reported {$56.00}. I have complained previously about TransUnion not reporting correct account balances. Additionally, they recently deleted an open XXXX XXXX account in good standing and without my consent from my credit report.
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my credit report. The report had an account listed. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified. 

I am writing this to you in an effort to get this removed. Please delete this information from my credit reports. I have never had an account with Self company. If someone has opened an account in my name, please close it immediately before further harm is done. 

I am requesting that you notify all of credit bureaus that this account is " disputed '' or that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act. If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents. 

This is a written dispute of the this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 

Sincerely, XXXX XXXX
Product: Mortgage

When I purchased my condo in XX/XX/2007, Wells Fargo was the preferred lender the builder was using. I have attempted to refinance my loan and I keep getting told that Wells Fargo is unable to refinance my loan because various reasons. For example, XXXX not meeting certain reserves or guidelines, community lost it 's FHA ability. After speaking with other folks in the community who also financed with Wells Fargo, they were being told the same thing. However people are able to sell their property and other owners were able to refinance using other financial institutions. I believe Wells Fargo is being deceptive, discrimination. When I initially applied for the loan I was told take an ARM would be a better option for me because of the lower rate and my plans to sell within 5 years of purchase. When the housing market crashed I attempted to refinance and XXXX became available I was told I was not qualified to utilize the XXXX program. When the required changed for the XXXX ( Value. being under water, LTV ) I still was told I was not eligible
Product: Student loan

My IDR application was submitted on XX/XX/XXXX, requesting to change my plan from PAYE to SAVE. I was told that it will take XXXX business days to process. It has been 2 months and still has not processed. 1 ) I requested information on if there is anything else ( e.g., other documents ) that needs to be submitted and I did not get a response. I would like confirmation that the IDR application is complete. 2 ) I asked to be taken off forbearance on XX/XX/XXXX and said this will be processed within 5 business days, but still has not processed. I want an update on the status of being taken off on forbearance 3 ) I also want confirmation on when the IDR application will be processed. Thank you.
Product: Credit card

I bought a computer from XXXX. It was suppose to arrive on XXXX XXXX, 2016. However, when i came home that day, a box was in front of my door step and it was empty. Called XXXX immediately and was transferred to a higher customer department, and was then told that i should dispute the charge with my bank as they would n't be able to refund me back through their system and there seems to be a mistake made by the shipping department. I disputed the charge with my bank and told everything that happened. On XXXX XXXX, the dispute was closed in favor of XXXX as they provided the tracking number and a valid statement that said the shipping carrier delivered it to me and was signed by me. However, I do n't recall ever signing it. I called my bank but they were unable to help me make an appeal or anything but just suggested me to speak to XXXX. I spoke a executive from XXXX and was able to get some help, but in regards to my money, the executive told me that it 's highly unlikely that they can do anything other than speak to XXXX and find out more information about this issue..
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable, and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

XX/XX/XXXX I requested a rolling balance transfer through the Discover Messenging portal. I was  consistently refused, even though I had available credit of {$1300.00}, paid on time historically. I was referred to XX/XX/XXXX Pricing Schedule. Under 'Fees ', 'Transaction Fees ', Balance Transfer ', it states, Offer # 1, Intro Fee of 3 % of the amount of each transfer ... above. " AFTER THAT, 5 % of the amount of each transfer. ' -- This leads one to believe that 'rolling ' balance transfers are available from the XX/XX/XXXX promo offer of 14 months. Also, at the bottom is a 'cross cross ' symbol that says, 'See the terms of the applicable balance transfer offer for details. ' Well, the 'terms ' are not given, spelled out, or obvious any where in the 'Cardmember Agreement ', other than, pg 2 " How we include fees ... We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. ' and Pg. 3,  'Definitions ' '' Balance Transfer '' means a balance transferred from another creditor to your Account.= NO Where in Any Disclosures provided that 'Balance Transfers ' at 0 % are not available if Credit is Available or not rolling from the Promo of XX/XX/XXXX for 14 months. I've called several times in the last year and the 0 % for purch and balance transfers were active as rolling, expiring XXXX for purchases & XXXX for BalTransfers. Never presented as 1x 0 % offers, only 14 mo rolling offers that would expire as directlyprevious. 
ConsumerCreditViolations=Bait & Switch , Not Allowed to 0 % Bal Transfer until XX/XX/XXXX even though I have {$1300.00}. avail credit with missleading bal transfer credit & markting promo information. No where in any credit card info is the 0 % defined as not rolling for 14mo or missleading & a 'timed offer ', just to deny me even though I have avail credit on the card. Damages= Unable to bal transfer at 0 % from XX/XX/XXXX to the expiring XX/XX/XXXX discriminatory credit practices= I've paid more than Min Bal each month, on time & with avail credit.
Product: Credit reporting 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXX Balance : {$690.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX Bank. I also will put a complaint with the XXXX. I am questioning account number. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$470.00} } to XXXX on my credit report. I have contacted first premier to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the company has not replied. I have sent numerous letters to XXXX XXXX regarding an alleged debt that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.
Product: Student loan

Aspire XXXX XXXX frequently adjusts the interest rate, to the point that each payment seems to not cover the ever changing rate. Its now almost XXXX XXXX interest. At this point I cant pay off my loans. This has to change, this is an extortionist practice!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later and I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. In Section 611 ( a ). it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.