23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
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. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX  XXXX Balance : {$9600.00} XXXX  XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries from my credit file. I am a victim of a data breach, and the following items were added without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), you are required to take action to block and remove these items promptly. 
Accounts : XX/XX/XXXXXXXX - XX/XX/XXXX - {$600.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX : XXXX. XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

Good afternoon Im writing this letter cause I feel overwhelmed due to the high interest Barclays master credit card is charging me every month. 
I try calling customer service to help me lower the higher APR. I also noticed interest charge are super higher the company dont have any values for their customers. The reason I agreed to open this Barclays master card was cause it was a XXXX XXXX XXXX which is not a XXXX XXXX XXXX anymore. Please take a look to see if you guys can help me. Thank you in advance. 

Current balance {$13000.00} Purchase APR 23.24 % Cash Advance APR 25.49 % LATE PAYMENT $ ( XXXX ) XX/XX/2022 LATE PAYMENT $ ( XXXX ) XX/XX/2022 INTEREST CHARGE-PURCHASES {$260.00} Additional details for transaction on XX/XX/2022 titled INTEREST CHARGE-PURCHASES for amount XXXX XX/XX/2022 PAYMENT STOPPED {$370.00} Additional details for transaction on XX/XX/2022 titled Payment Stopped for amount XXXX XX/XX/2022 LATE PAYMENT FEE {$40.00} Additional details for transaction on XX/XX/2022 titled LATE PAYMENT FEE for amount XXXX XX/XX/2022 PAYMENT RECEIVED $ ( XXXX ) XX/XX/2022 PAYMENT RECEIVED
Product: Credit card

On XX/XX/2024, my husband and I booked a room through XXXX, for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Upon arrival, my credit card was charged {$220.00} by the hotel for one night 's stay. We were given a key and told to go across the street to their " other property '' for our room. 

When we opened the door, we attempted to switch on the light. The light switch ( see enclosed photos ) sparked. With the light on we noticed the abject filth and bad condition of the room. I pulled back the cover on the bed and the sheets were dirty and looked like there was blood on the sheets. The floors were filthy, and the toilet lid was up with XXXX in the toilet. 

We immediately went back to the desk clerk and asked for a refund. He lied to us by saying that we needed to deal with XXXX for a refund/cancellation, and that he couldn't help us, because it was a " third party '' transaction. I then called XXXX and they informed me that since the hotel clerk charged us directly, he would have to refund and cancel the hotel room and it no longer had anything to do with XXXX. I went back to the clerk to inform him of what XXXX told me and to cancel my hotel and get a refund. He locked the office door and waved us away. 

The room was inhabitable, and we were forced to sleep in our vehicle. I took pictures of the room to document its horrible condition. ( see attached photos ) The next step was to dispute the charge with my credit card company : Chase Bank. I attempted to submit a complaint online and was referred to call XXXX. I spoke to a representative who told me that I needed to go into a branch to file the dispute. Which I did. I spoke to XXXX XXXX, an associate banker at the XXXX XXXX XXXX. ( see card attached ). He filed a claim for me and the next day it was denied after Chase contacted the merchant, based on an erroneous dispute : " incorrect billing '' which had ABSOLUTELY NOTHING to do with the nature of MY claim : " filthy hotel room. '' I don't believe that Chase bothered to read my letter of complaint and for whatever reason assumed it had something to do with a billing issue. I was more than clear on my dispute documents and feel they should have looked at the case more carefully. 

I attempted to call the above XXXX number to appeal the complaint and was told that once a decision is made it can not be appealed ; despite their negligence and incompetence. I don't think this is fair and as being an excellent customer for many years, they should have given my case the opportunity to be resolved justly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had purchased an item from XXXX and financed through XXXX. The item was returned and Bank reported me as 30 days late. I also made a payment and paid in full. After speaking with rep they stated they would remove it but never did.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  placed a non tax debt on file in which this is a violation of my FCRA rights. I was told I was overpaid from payroll when I left the federal agency but yet XXXX to 5 months later still have not been given a breakdown of how I was overpaid. 

I requested this information and still to date have not received and its entirely impossible to reach them the government via telephone. 

This debt needs to be removed because I am not even certain this debt belongs to me but yet has been reported to my credit report with Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I went to add a security freeze to my wife 's account and my account and they are wanting to charge {$5.00} to do this. By placing a security freeze on your credit report for Equifax and their breach is only adding insult to injury. They are looking to make millions by ALSO charging everyone affected to place a {$5.00} charge to do this. So if you have XXXX XXXX people times the {$5.00} charge, you are looking at them making an additional {$710.00} XXXX dollars to place the freeze on your account. That is bull. They should be allowing everyone affected to place a freeze on their accounts free of charge, as well as enrolling in the protection they are offering everyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts showing on my credit report that I believe could not be mine or are old and reoccurring with high balances that I'm not aware of. These accounts are : Community bank/Victoria secrets : ( XXXX... ) Showing a balance of {$1500.00}. This could not be mine. 

XXXX ( XXXX... ) Shows conflicted balances, {$1900.00} & {$3300.00} for the same account. This also I'd like to dispute. 

There are multiple closed accounts showing on my credit report from XXXX  to present that I would like to be removed because I believe they're reflecting negatively and causing my scores to be low.Thank you in advance for any assistance. 

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

Equifax and XXXX credit scores dropped by XXXX points. Noticed they said I have a serious delinquency. On further digging I found that this was due to XXXX XXXX XXXX, where I had a HELOC that I paid off and closed in XX/XX/XXXX. The HELOC was reported closed in XXXX and XX/XX/XXXX, but is now showing for the rest of XXXX that I was XXXX days late. I have complained to XXXX via XXXX. I have also filed disputes with Equifax and XXXX. It appears that XXXX, a fintech startup, has not exercised proper care in compliance and has a software or procedural error. It also appears that Equifax and XXXX do not have the sophistication to see that a closed account can not suddenly be reported delinquent. XXXX does not seem to have this issue. This is ruinous to me because I was about to buy a car out of my lease. I need this car to have the ability to go to work. My lease expires in 4 weeks and if I do not get a car loan I will have to pay a higher price for a different car, vs for the current leased car where I have a negotiated price from XXXX. Due to supply chain shortages the price of all cars have gone up.
Product: Credit reporting or other personal consumer reports

Will not produce my signature on a contract or agreement because I never agreed to this. Per FCA section 609 they had 30 days to produce.
Product: Credit reporting

XXXX/XXXX/2015 I checked my Experian credit report because I was concerned the XXXX hack might have affected me. I found Experian had added another social security number, another address, and XXXX variations of my name = all wrong. After a lengthy telephone call, Experian agreed to remove the errors. My recommendation to you is that before any credit bureau adds a new social security number, new address, changes the name, they should be required to verify such changes with the person on file ; now they do not. thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting XXXX 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 .This 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in XXXX XXXX XXXX ( XXXX ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Product: Debt collection

XXXX  XXXX XXXX Opened by a spouse/partner-XXXX XXXX Unknowningly was added as an authorized user without my knowledge or consent. 
Last payment made-XXXX {$300.00} limit / high limit {$550.00} Date closed XXXX Account was closed by grantor Debt is appearing on my credit yet I had no knowledge or usage of said account. 

XXXX  XXXX  Opened by my ex spouse/partner XXXX XXXX - was added as co-signer/joint applicant Account opened- XX/XX/XXXX High balance- {$5100.00} Balance- {$750.00} Charged off XX/XX/XXXX Last payment madeXXXX Upon splitting up she stated she was keeping the furniture and would remove me from the account and keep paying the payments, however that did not happen. We split up XX/XX/XXXX XXXX - I C systems Collection Account opened-XX/XX/XXXX High balance- {$560.00} Amount due- {$560.00} Balance- {$560.00} This account was not authorized or opened by me, I have no knowledge of this account and do not acknowledge this debt held against me. 

*note* There are multiple of identical inquiries against my credit that were not initiated by me or on my behalf. Nor were these inquiries authorized. 
XXXX XXXX  bank- multiple repetitive inquiries, fraudulent credit attempts XXXX.XXXX fraudulent inquiry XXXX- fraudulent inquiry
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681 . The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, TransUnion. XXXX, XXXX, TransUnion has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

I am a person that has been taken advantage of and credit reporting bureau has violated the fair credit reporting rights and I was also not notified about any discrepancies within 30days and Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after its all done.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATIONS OF MY FCRA ALSO VIOLATIONS OF THE METRO 2 COMPLIANCE # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX
Product: Mortgage

The Last first of XX/XX/2020, I called to Shellpoint and they informed me that the loan payments were 5 months overdue and that the house was in a foreclosure process, which took me by surprise because I was NOT notified by any means or written, neither by phone nor by email. They also said that my contact details had been wrongly registered so there was no communication of any kind with me. 

I have tried to communicate with shellpoint several times by emails ( attached ) and phone calls in order to assist me through the remainder of the loss mitigation process concerning my mortgage loan, but I have not had any clear and concise answer. 

I only want to know which plan either " Modification '', " Forbearance Plan '', " Repayment Plan '', etc would work for me to pay the loan. 

I really feel uncomfortable with this situation and I would like to make a formal complaint
Product: Mortgage

Dear Representative, On or about XXXX/XXXX/XXXX I left several messages with mortgage servicer with no response back on the status of my mortgage modification. My contact XXXX XXXX and supervisor XXXX seem not be available to provide vital information requested on the update. Please have someone look into this matter as soon as possible. Payments have been made and yet no updates on this review can be obtained successfully. 
Respectfully yours, XXXX
Product: Credit card

An on-line item was orderd from XXXX, and paid by Discover. 
Item was never received. XXXX  provided XXXX shipping information stating that the package was dropped off at our building during the weekend. 
The entire building complex is closed on the weekend. 
XXXX has mailed the item with regular mail. 
XXXX can not help me since I am not the sender. 
Discover is stating that I must file a claim with XXXX despite the fact that I can not. Discover it is not honoring their credit card advertising commitment ; " Discover cardmembers have a {$0.00} Fraud Liability Guarantee, which means you're never responsible for unauthorized purchases on your Discover Card account ''. 
After speaking with Discover customer service earlier today, I cancelled my card that I had since 2008, and they are not willing to assist.
Product: Money transfer, virtual currency, or money service

I received an email asking me to verify my banking information, so that I may receive a large settlement from a XXXX XXXX. It follows. 

From The Desk of : Dr XXXX XXXX XXXX 
Bank of America. 
Branch Offices XXXX XXXX XXXX XXXX, XXXX XXXX. 
NY XXXX, XXXX. 
Vice Chairman on Investment Banking Director, Credit Control Dept. 

We are hereby officially notify you concerning your fund telegraphic Transfer through our bank, Bank of America, New York, to your bank account, which has been officially approved by the management of XXXX XXXX XXXX ( XXXX ) to credit the sum of US {$18.00} Million into your bank account. 
Note that I have started processing your payment and every thing concerning the immediate remittance of your funds will be carried out within the shortest possible time from the time we received your? Below needed information Also be informed that the Governor of XXXX XXXX  XXXX ( XXXX  ) will sign on your payment advice and a copy of the advice will be sent to the XXXX XXXX  XXXX   XXXX for some record purposes. Meanwhile your information and your full contact details were received from our research manager, XXXX XXXX on your behalf to XXXX  for immediate release of your fund This fund was part of the lodged Late President XXXX XXXX of XXXX discovery fund with XXXX XXXX  XXXX XXXX, which the XXXX XXXX  has decided to distribute it generously to help few lucky individuals and the American Government is in agreement with the XXXX XXXX  to distribute the fund to XXXX XXXX XXXX people in America, XXXX & XXXX in other to help improve their businesses. 
Therefore, reconfirm the aforesaid information accurately, because this office can not afford to be held liable for any wrong transfer of funds or liable of any fund credited into an unknown account. 
These are the information we needed to be reconfirmed by you. 
1.Your Full Bank Account Details 2.Your Direct Cell or office phone to reach you 3.Your address of locations 4.Your full name