23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

-On XX/XX/23 I generated an online XXXX account to purchase an item that I intended to pick up in XXXX XXXX in XXXX Wa XXXX I live in XXXX, Oregon. That XXXX is XXXX mins down XXXX XXXX from me. I paid using a Barclays credit card.-It was the only online order I placed. 

XXXX XX/XX/23 I received multiple emails from XXXX XXXX, advising the items I just ordered were ready for pick up in a XXXX XXXX FLORIDA XXXX I immediately called the XXXX number for XXXX to report the fraud. They locked my XXXX account. I told them the items had not yet been picked up ( That's what the emails were telling me, I rescued quite a few that day ) The XXXX associate advised not to worry, they would handle it. 

-As soon as I got off the phone I called my Barclays card. I reported the fraudulent transaction. They canceled my card. 

XXXX ( A little over a month later ) I received a letter from Barclays saying they had investigated the incident and they it was not fraud as XXXX provided evidence that the items were picked up. ( Not something I'm disputing, I just said it wasn't me and I never placed the order ) I rang Barclays and filed another complaint. They re-opened the investigation. 

XXXX I spent XXXX on the phone trying to contact anyone that would help me at XXXX. Three hours later I was able to speak to a lady who identified herself as XXXX. She listened to my entire complaint and advised she could see that I had called in and filed the report on the XXXX of XXXX, but could not see that anything was done about the complaint, or that it was even forwarded to the fraud department. She told me it would be forwarded to the fraud department and that someone would contact me. I asked her to email me some proof that I had spoken to her, since I had no proof of the original complaint. She sent me an email on the same day advising she received the complaint. I have the email. 

XXXX I received another letter from Barclays advising that the purchase was not fraud, as XXXX provided them with a document that the items were picked up and the purchase went through. I tried again to tell them I was/am in Oregon, and did not place the online order and that someone fraudulently charged my card and picked up the items IN FLORIDA even after I called XXXX immediately XXXX have them stop the pick-up. AND I called Barclays and immediately cancelled my card. Barclays representative said that unless I have proof that it was not me that made the order, they can not do anything. I am stumped. How can I provide that proof? It's as if they want me to find the perpetrator and drag them to their office and force them to confess to fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX I was able to identify two transactions on my credit card that were not made by me. The dates and amounts of the transactions were XX/XX/XXXX for {$200.00} and XX/XX/XXXX for {$800.00}. Both transactions were with the same merchant XXXX XXXX. 

On XX/XX/XXXX I opened a dispute for these transactions and Chase had my old card # closed and sent me a replacement card. I was told that an investigation would occur. Over a month passed and I heard nothing about the investigation, and my account was never credited back for these fraudulent charges. 

On XX/XX/XXXX I contacted Chase after looking at my account and noticing that I was re-billed for the fraudulent charges and they had been posted to my account on XX/XX/XXXX. I asked if I could be told why I was re-billed and I was told the team that answers for fraud investigations is currently closed for calls due to COVID-19 but they will reach out to me to discuss. I was provided the phone number for their fraud investigation team. I called and was prompted with an automated message stating I can send my updates for the fraud investigation to a specific email that needs contain my account number. I don't feel comfortable sending my account number over email since that medium of transmission is not encrypted and I do not know who has access to the mailbox. This solution is not an acceptable method for disseminating sensitive information. 

On XX/XX/XXXX I reached out to the vendor and confirmed that he no longer uses the XXXX XXXX for his credit card transactions and that the last time I received services from him was on XX/XX/XXXX and was charged on that date. There would have been no additional charges in the year of XXXX. 

On XX/XX/XXXX I received a letter in the mail dated for XX/XX/XXXX stating that the review of the unauthorized transactions was completed and that I was responsible for the following transactions because I received benefit from these transactions. I contacted Chase once again and I was once again told that the team that I need to reach out to regarding these disputes is still out. 

As of XX/XX/XXXX it's been 44 days and I have yet to hear anything from Chase and I can not even appeal the decision on these unauthorized transactions. To be 100 % clear, I did not authorize either of these transactions.
Product: Credit reporting or other personal consumer reports

I took a personal loan from XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$5000.00} XXXX. On XX/XX/XXXX the loan was paid in full I made pay off arrangement with XXXX  in mid XX/XX/XXXX. On XX/XX/XXXX loan was paid in full as agreed, yet XXXX reported credit bureaus, transunion, XXXX and XXXX  on XX/XX/XXXX as a balance past due of {$0.00} XXXX. 
This is an act of bad faith and slanderous when they had agreed to be paid of on the date scheduled. Notwithstanding the agreement for pay off on mid XX/XX/XXXX for payment on the XXXX of XXXX and after receiving payment as scheduled on the scheduled date they, file a past due balance on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fallen victim of identity theft due to the 2017 Equifax breach that took place. I would like my credit report to be restored.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX : XX/XX/year> To : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XX/XX/XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Payday loan, title loan, or personal loan

I borrowed {$750.00}. in XXXX XXXX. Repayment amount was not disclosed. Money placed in checking account 3 days later. First month repayment, XXXX XXXX, XXXX, {$240.00}, remaining balance over {$1000.00}. Next installment {$240.00}. With remaining balance over {$1000.00}. Payments increase as does amounts owed. Decline in principal is offset by increase in fees or " interest. '' No montly payment listed for loan amount when signed up. Never ending cycle. No customer service available.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : CLOSED ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX for {$3700.00} ; XXXX XXXX XXXX Acct # XXXX for {$5000.00} ; XXXX XXXX XXXX Acct # XXXX for {$4000.00} ; and XXXXXXXX XXXX XXXX Acct # XXXX for {$14000.00}. XXXX : XXXX XXXX XXXX, has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud.

Here are the ITEMS that needs to be removed in my file : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have written you in times past about Experian Credit Agency inaccurately reporting information on my credit file. You see and verify the multiple times I've written you regarding this matter. The last complaint submitted is still showing open, at the time of writing this complaint. However, they've already completed their investigation yet again, citing that the information will remain and that the furnisher has verified that info. I have asked multiple times for them to supply me in full detail the furnisher of that information with certified documents, they have refused to do so but continues to resolve their investigation as the information will remain as furnisher verified the info. I have opened yet another dispute regarding that but this time I have included all of the past request as did in times past along with a XXXX from what appears to be the furnisher of that information themselves, XXXX XXXX. XXXX has responded to my dispute about the public record of bankruptcy being on my report, specifically relating to the Experian having it on their report. They also named the actual dispute date as being on or around XX/XX/2022, which is a date in close relation to the XX/XX/2022 date the dispute letter was certified mailed to Experian in regards to the XXXX XXXX XXXX being on my data report inaccurately and must be deleted. Experian has refused to removed the information therefore violating the FCRA laws, which means they have heavy violated me and my data file. Add this XXXX XXXX letter showing XXXX removed the information as it pertains to having furnished the information to Experian the CRA 's have to follow suit but Experian is being stubborn and using computer bots and stall tactics to keep from following the FCRA 's laws. I have asked multiple times for them to provide the certified copies of the furnisher of this information and how their verification process and each time they have denied me the right to that information. I have attached my request and proof of supporting docs to this complaint. Last time I had to call CFPB the rep confirmed what I thought i knew and that is that this platform is not 100 % monitored via a live human being so that is why the cases are opened then closed at the CRA 's discretion after attempting to respond and acting like they are trying to resolve the dispute but really are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX File Number XXXX XX/XX/2018 XXXX has under Club & Subscription Activity XXXX XXXX XXXX on my file I have never applied or sign or ask or requested anything from XXXX XXXX XXXX XXXX needs to stop placing selling and having XXXX XXXX XXXX all over my credit file that I not applied or requested or sign giving permission for anything XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have a bank account with XXXX XXXX XXXX. That account was closed YEARS ago, like in XX/XX/XXXX. Recently, XX/XX/XXXX they decided to put some unknown balance on my credit and said the account  was just closed, which is a lie. After doing some research I see that the bank is now called XXXX XXXX XXXX XXXX, so they are trying to fraudulently collect on year old accounts that was closed a long time ago under another credit union. They do not have proof of a written signature between me and this company. I have contacted each credit agency and they have failed to provide written signature proof me owning this account, at XXXX XXXX XXXX XXXX, and have refused to remove this clearly this false item from my credit report.
Product: Debt collection

I enrolled in XXXX  XXXX XXXX XXXX  program in Accounting I was unsure whether I would like the online learning format, so I asked the enrollment counselor with whom I spoke on the telephone what date I would have to withdraw by in order to not incur tuition charges. And I was been told you will receive student grant financial add you don't have to pay anything I hated the online format, and was absolutely certain to withdraw by the date I was told by the advisory. However, I was subsequently billed by XXXX, nonetheless. I disputed the matter back and forth with XXXX, informing them of the conversation I had with the enrollment adviser, but they insisted I withdrew past the deadline. Since the conversation I had with the adviser took place over the telephone, I have no proof -it is merely word against word. But I am certain I withdrew by the deadline in order to not incur charges. XXXX turned the matter over to collections Agency and they, in-turn have now reported a derogatory remark on my credit report, resulting in a lowered credit score.
Product: Debt collection

Client Services , Inc. tries to collect this debt I do not recognize. Please investigate this account thoroughly to resolve this issue in timely manner.
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXXXXXX to rent an apartment. After filling the necessary forms ; I was approved and scheduled a move in date. 

But before I could move in, XXXX curiously rescinded the approval while it took my {$600.00} through my account with XXXXXXXX XXXX. 

I disputed the charge through my bank and had the {$600.00} refunded to my account. I wrote to XXXX requesting that they desist from further collections as I was misled by their management. 

Now same XXXX has through a XXXX XXXX XXXX XXXX is listing the {$600.00} as debt owed ; when there is no such debt. 

I want this resolved ASAP as this fraudulent claim by XXXX is negatively impacting my Credit Rating. 

Thanks. 


Sir XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A payment was made to prevent delinquency of 30 days by XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX. That payment was made with XXXXXXXX XXXX XXXX  XXXX in the amount of {$610.00} on XX/XX/XXXX ( Not including fees for over the phone processing ). All other correspondence was deleted from con # XXXX, XXXX and XXXX by securing that payment. ( which were for payments not completed as scheduled earlier in the month of XXXX ) XXXX XXXX XXXX submitted on XX/XX/XXXX and XXXX, to all three bureaus a 30 day delinquency. This was not correct. I contacted the office XX/XX/XXXX, to explain the error and was transferred to XXXX who refused to acknowledge company error stating the funds were not in the account on XX/XX/XXXX for INSUFFICIENT FUNDS. I told the agent I would provide proof that the funds were in the bank and there was a bank error. On XX/XX/XXXX - I contacted the banks and collected proof that the hold was due to a signature issue not that the funds were not deposited. The bank decided to hold them. I contacted ACA speaking first to XXXX who transferred me to the supervisor XXXX. The supervisor refused to acknowledge the agreed conversation that took place with XXXX and restated circumstances from con # XXXX, XXXX and XXXX, justifying since a payment was returned XX/XX/XXXX ; I was 30 days late. ( You are reported late by the next month per contractual agreement this is a high interest loan ). She refused to acknowledge that the payment set by XXXX for XX/XX/XXXX null and voided prior arrangements. I told her this was the bank error as the monies were on hold. She hung up on me and disconnected the call. I called back and spoke to XXXX who transferred me to XXXX who transferred me to XXXX. I requested a supervisor other than XXXX since she hung up on me. She transferred me to the supervisor XXXX. I called again to speak to another agent that would assist and allow me to provide banking proof. I was put on hold for the supervisor XXXX by XXXX before she hung up on me. The length of the calls started at XXXX. No resolution took place.
Product: Credit card

I made a payment for my XXXX XXXX  due date on XX/XX/2024. 
On XX/XX/2024 I made a payment for my XXXX payment. It was not put towards my XXXX payment, they reversed that payment for my XX/XX/2024 payment, but I had already made that payment. Rep and supervisor said they didn't know where it states on my CC agreement/contract, but that was just the way it works.
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent and do not belong to me. I demand immediate removal. 

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature If you can't provide these items Delete them.

I have attached a copy of my FTC REPORT for all 3 bureaus.
Product: Vehicle loan or lease

Vehilce was purchased XX/XX/2016. The vehicle was financed through XXXX XXXX and the loan was sold to XXXX XXXX XXXX  XXXX. The legal owner transfer was initiated but never finished by the lienholders. Although my registration is currently paid, I have since been ticketed and am unable to get my current registration or tags.
Product: Credit card

Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. In addition, this creditor sold the account to a collection agency AFTER the bankruptcy discharge. The collection agency ( XXXX XXXX XXXX ) continues to contact me illegally. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due as of the bankruptcy date.
Product: Mortgage

It took three months to close on this mortgage. After illegally demanding additional documents, the XXXX XXXX  in charge of this company then demanded copies of personal drivers licenses. The company 21st Mortgage is headquartered in Tennessee, where such activity seems to be fairly common. After three months of complete negligence, XXXX harassment and incompetence, the final check was then made out to the wrong entity.