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

I made a purchase from Banana Republic using the XXXX card provided by Barclays XXXX. My bill came due, and I made a payment on XX/XX/XXXX, posted on XX/XX/XXXX, in the amount of {$55.00}. Everything was fine until yesterday, XX/XX/XXXX, when I received an email telling me that my bill is due - I'm behind on payments totaling {$57.00}. I checked my orders, my purchases, my checking account, and that number did not correspond to any purchase. I then checked my statement online, only to see that I'm late on my last payment- apparently, Barclays was " Unable to locate external bank account '' on XX/XX/XXXX, and never informed me. They also removed my bank account information from my profile when I looked further into it. 

I reached out to them and they said I have to turn on email notices and that they have every right to charge a late fee ( and subsequently report me to the credit bureaus ) because they couldn't handle the problem on their end. 

I don't know what email notifications need to be turned on, but I get everything from them. Regardless of whether I want to be signed up for their marketing emails, they should have notified me immediately as to give me an opportunity to rectify the situation. They did not, and they put me responsible for their error. 

This has been an ongoing issue - I had stopped using their cards and left retailers that use their services because of their failure to send statements and notices on time, claims that the customer doesn't have their settings properly configured, and generally horrific customer service.
Product: Credit reporting or other personal consumer reports

foundation finance company is reporting to XXXX XXXX that i have transact business with them at my address at which never happen and i need them to remove this information from my XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several inaccurate false accounts on my consumer report with Equifax all to no avail. They have failed to conduct any account investigations in an accurate and equitable in accordance with the FCRA. They have continued to ignore my request to have these false accounts deleted from my report. This information does not belong to me and they have failed to legally validate these false accounts they are furnishing on my reports. 

XXXX XXXX XXXX. 
Amount : {$400.00}. 
Date opened : XX/XX/XXXX. 
XXXX XXXX XXXX. 
Amount : {$14000.00}. 
Date Opened : XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Went to instaloan on XX/XX/XXXX with my XXXX XXXX XXXX to obtain a XXXX $ loan, was approved and given a debit card for the funds, after paying back approximately XXXX $ towards the loan, I borrowed XXXX $ and they started my payments again at XXXX $ a month for a year, spoken with instaloan to see where my XXXX $ went, and they will not send me a print out of my history, they just want to repossess my truck, which by the way is not running, based on another complaint I have with you, Thanks for any help you can do.XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/2020 I have received two transaction from my client in XXXX, XXXX XXXX in the amount of {$470.00} and {$320.00} ( attached ). However the sending XXXX XXXX routed the transactions through its affiliate Bank of America while disguising the international origin of the wire transactions ( violation of the Patriot Act II ) .. What was received on the end was {$50.00} less for both transactions as the XXXX XXXX conveniently disguised any fees charged to both my client and me and the transactions arrived as {$450.00} and {$290.00} respectively without any proper transaction routing and fee listing disclosures. What bank is doing is not only unethical but illegal and it must be stopped as this type of practice also encourages money laundering and complete lack of accountability/transparency. XXXX XXXX and Bank of America refused to answer any questions regarding this transaction.
Product: Debt collection

Debt is not mines last names aren't even spelled the same. Must be father 's doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, NC listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX has incorrectly reported an account with a past due balance in the amount of {$6600.00} on my credit report. I was employed by XXXX XXXX XXXX. / XXXX enterprises after attending and completing training with XXXX in XXXX, NC. The loan amount was being deducted monthly from my paycheck and XXXXXXXX XXXX was to match my monthly payment. I have all of my pay stubs from the time that I was hired at XXXX XXXX XXXX XXXX XXXX until my last week of employment to show when and how much was being deducted from my check on a monthly basis. XXXX driving school in XXXX, NC made no effort to contact me via phone or mail until years after they claim I defaulted on said loan and when they sent a letter by mail, It was an offer to settle for a lesser amount. I have fulfilled my obligation to Driver 's management XXXX., XXXX XXXX and XXXX driving school in XXXX, NC therefore I owe nothing to XXXX or Pathfinder credit services.
Product: Credit card or prepaid card

I closed this card quite some time ago, and I am being billed 17.99 % APR on {$1500.00} and 23.74 APR for cash advance of {$1400.00}. This is usury at it ; s ugliest and deception.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you with written/unwritten and verbal or non-verbal per 15 USC 6802. I reserve the right to disclose nonpublic personal information about my consumer to a nonaffiliated third party and demand the reporting stop immediately. Following accounts shall be presumed as opted out :
Product: Checking or savings account

XX/XX/year> I should have received my direct deposit on Thursday the XXXX. I am writing this on Friday the XXXX. 
I have yet to receive my funds and have yet to receive another update regarding the situation ( There was an initial email stating CapitalOne was experiencing technical issues, deposits will be delayed ). While I am not in any urgent need to receive my deposit, the way CapitalOne is handling this is unacceptable. I would like the funds that I earned to be deposited into my account. 
Regarding CapitalOne 's response : I had to sit on hold for multiple hours just so I could speak with a human being. That person, who's name I forget, said all they can tell me is they're working on it and it will be fixed soon. They said my account is completely safe but due to their incompetence handling this issue, I would prefer more concrete proof that my account is safe and not just word of mouth. 
I confirmed with my company payroll officer that my deposit was submitted on time and correctly. 
Since I am finished writing this, I checked my account and email once again. Still nothing. No updates and no funds.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation. Reinvestigate this account : Account name : XXXX XXXX # XXXX Despite previous attempts to resolve this matter directly, I believe there are unresolved discrepancies that warrant further investigation by your agency. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough reinvestigation into this matter to ensure that all relevant information is considered and that any errors or discrepancies are rectified promptly. Please provide all documentation that I signed stating lawfully that this would affect my credit or hinder me from obtaining any credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update for OBM  XXXX   XXXX  I initiated a meeting with  XXXX  from  XXXX    XXXX   XXXX   months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  at  XXXX    XXXX   asking for a payoff amount. On  XXXX   XXXX ,  2017  my vehicle was repossessed. without warrant. I 'm pretty positive  XXXX  had something to so with this.  XXXX  told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting.   Her neglect has impacted my well-being. The  XXXX  in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked  XXXX  who her  Superior was and she refused to tell me, stating she did n't have one.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian Failure to Verify Hard Inquiries, Accounts. 

Dear CFPB, I am filing a complaint against Experian XXXX XXXX for failing to verify Inquiries and Accounts on my credit report. Under FCRA 609 ( a ) ( 1 ) ( A ), I requested verification, specifically the original contract with my wet ink signature, proving I authorized these inquiries. They have failed to provide this documentation, and it has now been over XXXX  days. 

Per FCRA 1681i ( a ) ( 5 ) ( A ), if an item can not be verified, it must be deleted immediately. Experian & XXXX are now legally required to remove these accounts within four ( 4 ) business days, yet they have not done so. 

I request the CFPB to investigate and ensure Experian complies with federal law by removing these unverifiable inquiries from my credit report. 

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

In accordance with the Fair Credit Reporting act there a accounts attached that have violat

ed 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 w
ritten consent.
Product: Debt collection

After a careful review of my credit report, I noticed that a company, Perfection Collection ( " Perfection '' ) had placed an account in collection through XXXX. I called Perfection and was informed that they represented XXXX the original company in which the account was opened. Perfection also indicated that the account was opened in my name by XXXX in XX/XX/2016. I informed them that I never opened the account and their reporting is causing severe harm to my credit score. Perfection indicated that they were not removing anything and that I needed to call XXXX. 
I called XXXX was was told to email a copy of the police report to their account receivables. I have sent the police report to the account receivables, but I believe that XXXX was negligent in the whole process. They opened an account without any account verification. As such, I now have an fraudulent account on my credit report. 
I am a business owner and my credit means everything. In light of the foregoing, I believe that XXXX and Perfection should be liable for the errors. As a resident of XXXX, I never received any notification and/or any forms of correspondence regarding this account. How could I have known about something I never consented to do. As such, I am respectfully requesting for a full investigation with both companies. How could it result into an account being placed on my account that was never verified. XXXX  lack of diligence has caused substantial harm to me.
Product: Debt collection

I had incurred a pay day loan 15 years ago in 2001 and I have n't had a debt since. I filed bankruptcy and this debt was covered in the bankruptcy. However, this debt collector continues to send me letters and places numerous phone calls to my phone and I 've asked them to seize. Firstly, the debt was over 15 years ago, and secondly they are not authorized to collect on this debt and thirdly this was dismissed in bankruptcy over 13 years ago.
Product: Checking or savings account

My replacement debit card from Truist was stolen and never arrived in my possession, yet it was fraudulently activated and used to make purchases at a location where I was not present. My bank denied my claim on the basis that the transaction was a point-of-sale ( POS ) purchase requiring a PIN and/or signature. However, this does not change the fact that the card was stolen and used without my consent. It is extremely concerning that, even that I suggested to acquire a official documentation proving I was a victim of fraud, my claim will remain denied and the stolen funds will not be reimbursed. I've requested a thorough review of this matter and an explanation of why Truist is refusing to honor its fraud protection policies in this case but I was basically told that no matter what I do, my claim will be forever denied. The bank is Truist, the amount stolen was {$510.00}, the location of the purchase was XXXX XXXX XXXX and the claim number is XXXX. Date of transaction XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company submitted adverse reporting without giving consumer a chance to respond or deny permission to share account information with third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, XXXX XXXX initiated a background check without my consent and I am no longer an XXXX XXXX XXXX XXXX XXXX XXXX  In this check they somehow used my OLD DRIVERS LICENSE from XXXX  ( I have an XXXX license and have had for XXXX years ) and learned of this from an email from First Advantage that I had an adverse action message to view which I couldnt even view because the entire document was encrypted. I then downloaded software that can read encryption and that is how I discovered that a report had been run without my knowledge or consent. I called First Advantage to dispute but they claim they cant do anything about the incorrect information OR the fact thaXXXX XXXX XXXX had run a FRAUDULENT background check. I then requested contact information for XXXX XXXX from First Advantage to talk to someone on the XXXX end but they said they had no contact information they could give me. I have been XXXX XXXX XXXX XXXXXXXX because XXXX XXXX  keeps cancelling my background checks without ANY information or returning my requests for said information and First Advantage has been nothing but unhelpful to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX XXXX XXXX {$2800.00} copy of original written agreement With XXXX XXXX XXXX, XXXX XXXX XXXX {$650.00} Copies of the original written agreement with XXXX XXXX XXXX, XXXX XXXX XXXX {$610.00} copies of the original written agreements with XXXX XXXX XXXX, XXXX {$560.00} copies of the original written agreement with it XXXX, XXXX XXXX {$230.00} copies of the original written agreement, XXXX XXXX XXXX {$200.00} copies of the original written agreement 15 U.S.C. 1681 section 602 A. State : I have the right to privacy 15 U.S.C. 1681 section 604. A. section 2 : it also states that consumer reporting can not furnish account information without my written instructions
Product: Credit reporting or other personal consumer reports

I am following up with the CFPB for the second time and relation to my XXXX and only address i have provided the companies XXXX experience and transunion with my state ID and other documentation showing my only address but the companies have not updated nor sent me of The old address is being removed. 

To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus XXXX, Transunion and XXXX and noticed the following information are in error : Names And Addresses and phone numbers Since noticing this i have made A FTC report that i have attached to this document here today. Addresses : The following are, Phone Numbers : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : I gave no written consent to furnish or pull I do not recognize them. The inquiries Are also listed below XXXX XXXX XXXX XXXX Addresses : 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 I have given your company more than 30 days to remedy the false and incorrect information. You have not written nor responded. Which will be noted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my credit report since  XXXX  still  have't rec eived and on the  XXXX  still have not receive it them
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously contacted XXXX  XXXX  XXXX  prior to disputing this negative account with Experian, they keep telling me my dispute results came back as being verified when I sent them a letter response from XXXX XXXX XXXX saying that they could not locate an account that Experian says that they verified that I had with XXXX  XXXX  XXXX.
Product: Credit card or prepaid card

On XXXX. XXXX, XXXX, booked my wife, XXXX XXXX XXXX, a round-trip ticket thru XXXX from XXXX  to XXXX on XXXX ( XXXX XXXX XXXX departing XX/XX/XXXX and returning XX/XX/XXXX. XXXX  Reservation Number XXXX. Paid {$1600.00}. 

On XX/XX/XXXX return flight, when checking in at XXXX XXXX XXXX, my wife was denied seat to her surprise. Her reservation was cancelled. She was forced to purchase another ticket one-way to LA costing {$2100.00}. 

Filed claim for refund of {$2100.00} first with XXXX on XX/XX/XXXX. Since then, XXXX and XXXX  are arguing neither is their responsibility claiming the cancellation was triggered by XXXX XXXX connecting flight. XXXX  denied the claim saying since the ticket was purchased from XXXX, XXXX  should be the one issuing the refund. 

I then filed a claim with American Express used in purchasing both tickets. It's being processed pending response from XXXX.
Product: Credit reporting or other personal consumer reports

I lost my wallet on vacation in a nightclub XXXX, that included my personal information. I was advised by law enforcement a report was filed. I recently pulled a copy of the report and noticed accounts that I have no knowledge of nor gave any written permission to be furnished to my credit report. I contacted the credit bureaus in XX/XX/XXXX and alerted them of the incident and requested verification for the fraudulent accounts, XXXX XXXX XXXX XXXX XXXX I have no affiliation or knowledge of these accounts. I have yet to receive a correspondence. 
I have the right to privacy. These accounts were furnished to my credit profile without my written consent. This is in violation of 15 USC 1681B I also noticed credit inquiries from : XXXX XXXX, XXXX, XXXX XXXX. I have not authorized any transactions from these creditors. 

Furnishing accounts to my consumer in direct relation to identity theft further violates 15 USC 1681c-2 I requested that all fraudulent addresses be removed from my profile to further prevent any confusion or tying me to accounts that are not mine and the bureaus are still reporting inaccurate information. Being linked to accounts that I have not authorized is affecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account without my written instructions.

15 USC 1666B : A creditor, may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have quite a few inquiries I don't recognize. 

XXXX XXXX XX/XX/2022 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
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 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 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 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 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 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