23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am, disputing my Barckylcard rewards mastercard that I opened back in 2013. There it shows a balance transfer in 2013 back in XXXX that was made to all of the credit cards that I had under my name. The charges went to XXXX, XXXX XXXX XXXX and also XXXX. I called to dispute this charge sense I did not only have the card yet when I just applied for it, but also I was uneployed at the time and was not going to be getting a credit card to pay other credit cards. I am waiting for this issue to be fiexad and also the balance tranfer fee to be taken off of my account after XXXX years. I reported all of this as fraud and it keeps coming back that it is all valid. Yes, the accounths that was paid was my other credit cards but yet again, was not even done or the card was not in my hands or I did not recieve it at that time of this issue.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violations of Fair Credit Reporting Act ( 15 U.S.C. Sections 1681 ) Dear Sir/Madam, I am writing to file a formal complaint against Accounts/ Creditors listed below concerning their handling and reporting of my credit accounts in violation of the Fair Credit Reporting Act ( FCRA ) Sections 602 A, 604 A, and 605 A. 
Charged off XXXX XXXX Credit Card : # XXXX Charged off XXXX XXXX XXXX XXXX Account : # XXXX XXXX XXXX XXXX Credit Card : # XXXX XXXX XXXX XXXX : # XXXX Despite repeated attempts to resolve issues with the above-mentioned accounts, I have encountered significant challenges in obtaining accurate information and rectifying discrepancies. Specifically, every request I have made to resolve these issues has yielded no results, violating my rights as a consumer under the FCRA. 
I have diligently requested documentation and information pertinent to these accounts, as mandated by the FCRA. However, above-mentioned creditors have failed to provide the necessary documentation or conduct thorough investigations as required by law. 
These actions or lack thereof have had a detrimental impact on my credit report, financial well-being, and rights as a consumer. I have made several attempts to resolve these matters directly with the institutions involved, but to no avail.I respectfully request a thorough investigation into these violations and the appropriate actions to rectify the inaccuracies and discrepancies associated with these accounts, in compliance with the FCRA. 
Your prompt attention to this matter and intervention in ensuring my rights as a consumer are upheld would be greatly appreciated.
Product: Checking or savings account

I was texted on XX/XX/2021 from a phone number stating that he was the CEO of the company that I work for and required me to an urgent task. He asked me to get XXXXXXXX XXXX XXXX in XXXX, XXXX, or XXXX for the amount of XXXX {$500.00}. Only 1 gift card of {$500.00} could be purchased initially in the first XXXX XXXX store. I had to get 5x {$100.00} in the same store. Then, he asked to send him the code directly. After 2 purchase of gift card totaling {$1000.00}, he asked me to go back to the store to get 2x {$500.00}. I was only able to get 1x {$500.00} gift card in the same store. 
So, he asked me to go to another XXXX store to the remaining {$500.00} gift card. I went to the 2nd XXXX store and was able to get {$500.00} gift card. Now, it was totaling to {$2000.00} of gift cards. After the completion of the purchase, he asked me to get more of 2x {$500.00} in that second XXXX store. I went back, but the sale agent informed me that I can only purchase 1 timer per store. I went to the 3rd XXXX store to get the 2x {$500.00} gift card, but the sale agent printed the receipt that it only allowed {$2000.00} gift card purchase per day. So, then I went to XXXX store to get 2x {$500.00}. When I was there, I was asked to get 4x {$500.00} instead of 2x {$500.00}. So, I purchased the 20x {$100.00}. Each time after the purchase, he always asked to send him the gift card code directly. I did that each time. I had some doubt in XXXX that it was the CEO of the company and called him. However, he told me that he is in a conference call right now and will call me back in XXXX min. I also told him my concern over the text that this is really him. He told not to worry that this is him, XXXX XXXX. After I sent him all the code of 20 gift cards, he told me again that 3 cards didn't work. So, I finally texted my coworker XXXX and asked him whether the phone number of the person texting me is XXXX 's number. He told me that it is not what he saved in his phone book. So, I finally realized that I was scammed and stolen from the person texted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX XXXX have a charged off XXXX account showing on my CBR 's that was to be removed from my CBR 's on XX/XX/XXXX because of age of the original debt. None of the three CB 's have removed the charged off account information - The charged off balance on the XXXX account was {$19000.00} and I have written documentation from experian that the charged-off account would be removed XX/XX/XXXX - This removal of the account should be done by the other two CB 's as well by law
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card

Chase Sapphire Rewards card. We applied and were approved and added our son and his wife as an authorized user. The cards came and we began using them, replacing automatic payments and making this the primary so as to earn rewards faster. All transactions were approved for about a week or so then we logged in to make a payment and our access was restricted so we called customer care. They spoke in very cryptic and vague details saying it was under fraud alert and escalated to another department for review. We asked for reasons why and were given none. All the charges made had been for bills i.e cable, phone, insurance so we thought this was odd but nevertheless figured it would get sorted out. We have called and spoke with numerous departments and spent hours on calls being told they would call us back. We filed a CFPB complaint and received a letter from Chase to call their account rep XXXX XXXX. We have left multiple voicemails and he has left one voicemail returning our voicemails at a odd hour of day. We continued to call and leave voicemails hoping to reach him but did not. Late last week all of the charges on the card were suddenly reversed and we were charged late fees for various accounts i.e cable, phone, auto insurance. We have no idea what is going on with this credit card account we just know this is the worst experience EVER from customer standpoint we have ever had in our lifetime. No communication, no explanation all while restricting access to view and bill our credit card balance giving us anxiety that they will somehow manage to ruin our good credit.
Product: Credit card

I have consistently made sure that payments on this account are made on time, preventing them from becoming overdue. However, I am puzzled by reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

trying to get my home refinance thru XXXX, i believed that i have outstanding credit i pay everything on time and have plenty of credit, the 3 reporting agencies came out with 3 different scores, i also been a victim of fraud in the past, i have a full time job and my yearly income is over {$100000.00}, i owe {$80000.00} on my home and is value over {$400000.00} never been in bankruptcy, so why is it that the 3 reporting entities are trying to make me a victim when i have comply with the rules all my life, i'm just trying to get a refinance and get some cash back so i can build a warehouse, is there anything that somebody like me can do to try to survive, yesterday i also was trying to change home insurance because my policy when up this year for no reason with XXXX XXXX XXXX i try to get a shipper policy with XXXX and after they ran my credit they said the same thing that my credit report score came in to low and that is why they are increasing my insurance policy, this is predatory lending all over the system and the most affected are the most vulnerable like us Senior citizens, please help
Product: Student loan

I consolidated my student loans on XX/XX/year>. In my consolidation application I applied to be on the repayment plan with the lowest monthly payment - the XXXX plan. Before consolidating I was on the XXXX plan. My loans were consolidated into XXXX direct Consolidation Loans. I was put on the XXXX XXXX XXXX. After calling Mohela, I was put into a processing forbearance while they processed my XXXX plan application. On XX/XX/year>, Mohela told me I was in the XXXX plan forbearance On XX/XX/year> I was sent a letter with my Repayment Schedule for a Level/Standard repayment plan. I contacted MOHELA to correct the issue. 
On XX/XX/year> I was sent a letter communicating that my loans were again in forbearance that would not count towards XXXX. The letter states that I was put in forbearance because I am either a borrower on XXXX, or because it has been more than 60 days since my XXXX application was recieved and it has not been processed. 
On XX/XX/year> I AGAIN received a letter from Mohela informing me of my Repayment Schedule for a Level/Standard repayment plan. 
I contacted Mohela again to get moved into the XXXX  plan/forbearance. The agent confirmed that i should be in forbearance and said she would transfer me to another agent. After waiting XXXX hours to speak to this agent, the hold line told me it would be XXXX hours until i would be able to speak to another agent. 
Mohela has repeatedly put me on a repayment plan that i did not request and continues to attempt to put me on a standard/level repayment plan. It is impossible to get a hold of anyone at the company to be placed into the proper forbearance.
Product: Credit reporting or other personal consumer reports

15 US CODE 1681A TITTLE definitionS RULES OF CONSTRUCTION PARAGRAPH 2 OF THSI TITTLE EXCLUSIONS AND SUB PARAGRAPH A SUBSECTION I STATES THAT TRANSACTIONS ARE NOT INCLUDED IN THE CONSUMER REPORT XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT
Product: Payday loan, title loan, personal loan, or advance loan

I accepted a payday loan of {$500.00} on XX/XX/XXXX. The original due date was XX/XX/XXXX I was going out of town due to a family emergency. I had asked to go on a payment plan in hope that things would get back on track unfortunately my hours were cut I am on a fixed income and Im barely making it. Today XX/XX/XXXX I reached out to see if there were options to set up arrangements to pay. I was told that due to the extended payment plan Im on the agent is unable to move it. I explained that my account is going to overdraft and I can not afford to have it happen and she didnt say anything. I can not afford an overdraft I have bills and other obligations to pay. She said if the payment doesnt go through it will go into the in house collections. I have previously had loans in the past and they were successfully paid and now there isnt any accommodations. I am not very happy. I am on a fixed income and Im barely making it. I would like a resolution to this matter
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute regarding the information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in Investigating and resolving this matter.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Company Netspend mailed two debit cards with chips to our home unsolicited. This is very irresponsible, anyone could have activated the card using the included QR code, and I have no doubt -- prepaid or not -- that would've ended up becoming a giant pain in the XXXX for me, the random consumer who did not ask for this waste of plastic in the first place. Apparently sending unsolicited cards ( complete with chips! ) is how Netspend solicits business, and the folks who are unlucky or desperate enough to activate the card get absolutely hosed with fees. Shame on this company for polluting the environment, creating easy opportunities for misuse, and for preying on the poor.
Product: Student loan

A company called XXXX XXXX called me and said they could forgive my student loans if I signed up with their service. I did and I started paying them and all of a sudden i start getting letters from Navient saying they are my loan servicer. I do not know how my federal student loans got transferred to navient without my knowledge. I did not get any notice or sign any authorization to transfer my student loans.
Product: Mortgage

On XX/XX/2022, my son let me know that he had not paid his mortgage since XXXX. Both myself and my husband are cosigners on the loan. On XX/XX/XXXX, I paid all outstanding payments and he is now on track. UWM did not notify me or my husband in any way to let me know that there was a 30 day late or anything. There have been no emails, no letters and no phone calls. 

On XX/XX/XXXX, we looked at our credit and it is a mess. After talking to a lender, they said to call the mortgage company. On XX/XX/XXXX, I called and talked to someone who said they don't contact cosigners because they don't have their information. I have another mortgage with them and get XXXX from them in email all the time. And on the original loan documents they have my address as " borrower General Contact Information. ''
Product: Credit reporting

On XXXX XXXX, 2015, I filed a dispute with Experian credit reporting agency by U.S mail. It 's been sixteen days and I have not gotten any notice from them that they have open an investigation on the dispute items on my credit report. When I tried to file a dispute, from their web site I get a message you are block from getting a copy of your report and not allowed to file a dispute from our web site. This has been a continue problem when I try to get my credit report for over a year. I would greatly appreciate it very much if someone from your agency open an investigation into the conduct of this company.
Product: Credit card

I spoke to Synchrony about my XXXX XXXX  XXXX Account. I was charged a {$1.00} fee for a paper statement. They are claiming that I did not sign up for paperless, billing, I contend that I was set up for paperless billing. I made a payment on XX/XX/XXXX online. Once a customer registers online, typically they are prompted to to sign up for paperless billing. I was told by Synchrony that they automatically set customers up for paperless and paper billing for 60 days and then after that time, if the customer does not sign up for paperless billing, they charge $ XXXX. I was credited the {$1.00}, however, my concern is the other thousands of customer who do not take the time to call for the credit. It is crazy that I had to waste my time to get {$1.00} back. I spoke with a person, who only reads what is on their screen and was difficult to understand. Also, the charge itself is questionable. Some people do not have access to technology and can not accept paperless billing.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/19 I applied for a loan in the amount of {$1000.00}. I was approved, I however needed more time to pay the loan back. I was unable to make the full payment on the first payment and the company worked with me. However I was unable to make the XX/XX/XXXX payment and asked to extend it to the XX/XX/XXXX payment. I was granted this. I have looked hard at my finical situation and am seriously thinking of filing for bankruptcy. I have notified the company via email and have not heard a response yet. I am very concerned about my finical situation. I however had thought while making payments I was paying down the balance but it turns out I have not and it is just an extension to the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for an apartment at XXXX XXXX in XXXX, GA. The apartment complex conducted a background check and denied my application due to 3 Aggravated Battery charges in XXXX. However, I had never been arrested or charged with any crime other than a simple traffic violation. Myself and my personal friend, who is a cop in Florida, conducted our own research as to the matter. It was revealed that another XXXX XXXX, born in XXXX, was arrested and charged with 3 counts of XXXX XXXX, this was not me.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission and Consumer Financial Protect Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 


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. It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately. 

Please see my reasons for dispute below : XXXX XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. 

XXXX XXXX XXXX XXXX XXXX CA, XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. 

XXXX XXXX XXXX XXXX XXXX CA, XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. 

XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. 

XXXX  XXXX XXXX XX/XX/2023 The following inquiry was not authorized and should not be reporting. These are in violation of 15 USC 1681b PLEASE DELETE. 

XXXXXXXX XXXX XXXXXX/XX/2023 The following inquiry was not authorized and should not be reporting. These are in violation of 15 USC 1681b PLEASE DELETE. 

These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b Permissible purpose of consumer report under the following circumstances and no other, ( 2 ) to 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 IMMEDIATELY! 

I demand my social security number and date of birth be removed from being displayed on my credit file for privacy reasons. 


Thank you!
Product: Checking or savings account

I have look up the ATM Fee Free locations for my Debit card on American Express app. I was told XXXX XXXX is participating in ATM Fee but when I went to use it, the bank charged me {$3.00} ATM fees. I called Amex and explained the issue, they looked up the institution and agreed that they are ATM Fee Free and agreed to give credit and create a dispute case. But I wasn't given any credit despite me calling them many times. This is a proof of systematic and intentional deceptive / fraudulent practices by American Express Bank.
Product: Credit reporting or other personal consumer reports

IM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT : XXXX  Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX XXXX XXXX XXXX Subsection XXXX please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your. I ATTACH A SCREENSHOT WITH THE INACCURACIES THAT EACH CREDIT BUREAU IS REPORTING AS THE DATE OF THE LAST PAYMENT. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS
Product: Credit reporting or other personal consumer reports

Heres a brief summary of your complaint against Experian : -- - I am filing a complaint against Experian for several issues concerning my credit report. First, Experian has unlawfully sold my personal and financial information to third parties for debt collection purposes, violating my privacy rights. Second, I have experienced repeated denial of credit inquiries despite meeting the required criteria, without adequate explanation. Finally, items I disputed on my credit report have been returned as " verified '' despite providing evidence of inaccuracies. I am seeking immediate resolution to these matters and request an investigation into these violations.