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

To Whom It May Concern, I am writing as a very aggravated and displeased customer! I have an acct with your company that was placed on hold without my knowledge! Only to find out while attempting to purchase gas and was declined! I called a total of 3 or 4 Times lastnight with each calling an average of 45 mins to an hour hold with many complications when asking to speak with a supervisor! My thoughts are that you are a cold hearted company with no regards to your customer! How could you be comfortable with placing a custom on hold for that long of a time knowing she advised she was stranded at the gas station with no gas and questioning the reason for the decline of my card! If you felt there was a security concern or issue why would you not reach out to your customer before restricting there acct and them being embarrassed with a decline! I will also be reaching out to the Federal Commissioner office because this type of service is very unprofessional, unwanted, and unappreciated! Please reach out to me so transfer my money {$410.00} by XXXX XXXX and cancelling this acct!
Product: Money transfer, virtual currency, or money service

I was looking for a 2bedroom apartment in XXXX XXXX. I was following a XXXX  account called " XXXX XXXX XXXX  '' for the XXXX area. On XX/XX/2021 I contacted them with an apartment I saw advertise on their page. Someone responded by the name XXXX XXXX and asked me " to answer some questions before proceeding with the application '. With a few basic questions answered he said I meet the requirements for this apartment. He then asked for my contact XXXXnformation and asked if I have " XXXX ''. We continue the conversation on XXXX, he sent me the rental application on XX/XX/2021. I filled it out and return it with the application fee through the Chase/XXXX  for {$150.00} X2 for my son and I. In the next 24hours XXXX XXXX stated that the application was approved and the next step was to send a deposit to hold the apartment pending viewing. Also stating that " all fees paid remain refundable until final lease signing. So at this point I jumped at the opportunity and sent the deposit amount of {$1800.00}, through Chase/XXXX. XXXX XXXX confirmed payment, said the apartment has been secured and now only need to pay the brokers fee of {$500.00}. This time I was unable to send this payment through Chase/XXXX  because of a limitation from the Bank. XXXX then suggest that I send payment through XXXX with this phone number XXXX the name attach to this number was XXXX XXXX to try. A scam message showed up, XXXX said that it was because this was my first time sending to that name. That payment failed and he sent me a new number to try XXXX also failed payment, we try one more number through XXXX XXXX name XXXX XXXX this payment was accepted. The next day now the XXXX of XXXX mark asked for the first month rent to proceed with the lease, keys, and move in date. I had asked him about the paperwork for the landlord to fill out for my section 8 voucher, he said to send it to this e-mail XXXX or to XXXX XXXX XXXX was a coworker of his. This was the last time I had heard from him, I have tried all of the numbers and e-mails and still no response. I have contacted Chase about this and they said since I did this transaction with XXXX there is nothing they can do about this. The total of this transaction was {$2600.00}.
Product: Credit reporting or other personal consumer reports

I NEVER gave any consumer reporting agency the permission to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. 

I XXXX XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 

XXXX SUBMITTED 2 FORMS OF identification Proof of address ALONG WITH FTC AFFIDAVIT ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently My banking accounts where hacked and several loans online where opened, I have contacted the banks, obtained police reports and filed identity theft report. Most where removed except for one creditor. I provided them all the above documentation but they have not provided any verifiable proof of contractual agreement showing my signature. Credit report is payments are beng made but I haven't made one payment and they are contacting me trying to collect on an account opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 provides important protections for consumers ' privacy rights.

604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681b ( a ) ( 2 ), states that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written consent for such disclosure.

Section 1666b of Title 15 of the United States Code prohibits creditors from treating a payment as late for any reason under an open-end consumer credit plan.

My rights to privacy and consent have been violated.
Product: Payday loan, title loan, personal loan, or advance loan

I'm filing a complaint against XXXX XXXX for my terms of my credit agreement. I created a promissory note for a line of credit, which I believe supersedes their initial requirements. Despite this, they're demanding a cosigner, which I don't think is necessary. 

I request that you investigate this matter and take immediate action to : Release my funds immediately Recognize the promissory note I created as the valid agreement XXXX XXXX XXXX from making any further demands for a cosigner
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off two collection accounts with Portfolio Recovery ( accounts ending in -XXXX   and -XXXX ), the accounts are showing up on my credit report again. The accounts are stating that they are open again. Per law, Portfolio Recovery has 5 days to notify me of this and no notification has been received. The accounts have been PAID AND CLOSED. The receipts of these transactions are attached.
Product: Credit reporting or other personal consumer reports

We can't dispute issues on our Innovis online account. I've tried a few times over the past few months. It says : " Only letters, numbers, spaces, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are allowed in the problem description. However, even after I removed all punctuation marks, the dispute can't be completed. What a technology!
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I want to submit a complaint to you about the inaccurate customer service I have been receiving from AidvantageXXXX. The first complaint is I was told the Department of Education thru email dated XX/XX/XXXX that my student loans would be transfer to Aidvantage effect XX/XX/XXXX and I should receive a welcome letter. I never received a welcome letter and when I tried to contact them the representative could not locate my loans and advised to check back. On XX/XX/XXXX I checked Aidvantage website and had to request new password to login after I was advised that my username and password would remain the same. Second I have tried multiple times to use Aidvantage IVR system and each time it says it does not recognize my social security number or loan number. My third complaint is the customer service representatives are unable to provide me with my student loan information and if the loan types I have are eligible for the public service forgiveness plan. I was needing to find out how many payments have been made toward the XXXX required payment. In addition if my loans are in the correct payment plan and loan status to qualify for the public service loan forgiveness plan as I am a XXXX  employee in XXXX XXXX. I was told I would have to call XXXX XXXX XXXX to get that information. When I contact XXXX XXXX XXXX they advised that they could not access my loans to verify if they are in the correct loan status or confirm how many qualified payments I have made. I feel like I continue to receive the same run around with each representative.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to XXXX & they replied its my Debt? 

My request was this I took a class tonight & learned this I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of the info on my consumer report
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated names ; XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ; Addresses ; XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX, CA XXXX are still listed under my personal information.
Product: Checking or savings account

XXXX XXXX stolen my banking information and wrote checks in his name and also made payments to his credit card
Product: Credit reporting or other personal consumer reports

My account with 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 XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Prepaid card

XXXX gift card from Incomm. 
Had a {$25.00} gift card and with cash bought something for {$47.00}. Returned it to the store and the clerk accidentally put all {$47.00} back on gift card. XXXX froze the card saying it was more than {$25.00} and after calling XXXX or more times they are refusing to unlock the card. We ca n't speak with a manager. They are just stealing our money and there is nothing we can do. 
XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach.
Product: Credit reporting or other personal consumer reports

These requests are not approved by me and are irrelevant to my monetary exercises. I demand their prompt expulsion from my credit report.
Product: Money transfer, virtual currency, or money service

I have an account with capital one. And I have used XXXX before with capital one and the funds go immediately. I filed a complaint with capital one over a dispute now my XXXX payments take XXXX XXXX XXXX XXXX. I have always made the same payments to the same person for the same amount and it went immediately it's rent. I have called capital one and they say it's XXXX Called XXXX they said it's the bank they can change how the payment can go. I have another bank and they also said they control the amount and how fast the payments pay out for. So capital one is lying and blaming it on XXXX.
Product: Student loan

On XX/XX/XXXX, I received notification that my loans had been placed on the SAVE IDR repayment plan. My new monthly amount owed would be {$110.00} per month. Then my loans were immediately placed on forbearance. I received no further communication, either via email or mail, until XX/XX/XXXX. I received a letter in the mail stating my loans were one payment past due and my monthly amount owed would be {$160.00}. I have not been successful in receiving communication from Mohela regarding why my first payment was already past due and why the monthly amount owed is {$47.00} higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to demand that you remove the following accounts that are the result of identity theft : I have previously sent a letter to Bankruptcy Court disputing the fact that my chapter XXXX was showing on my credit report. I contacted the courts and they sent a letter that I have attached. They stated that t they didnt have to verify ; so im requesting the bureau remove it immediately. This is causing harm and damages to me since I am not able to open any new credit due to the incorrect reporting of these accounts as mine. I can not get a loan for a house for my family to live in. I can not get a loan for a car to transport my family members to and from school and work. I can not get a credit card to help pay bills for my familys care. 


According to the FCRA, you must remove these items that are the result of a mistake made by the government. I demand that this letter be read by a human and not e-OSCAR.
Product: Debt collection

Meridian Financial Services con tinues to put a collection account on my credit report. I have been successful in having the collection account removed, however this is th e 5th time they have erroneously reported this information on my credit report. I have spoke   to the collection agency and explained to them that this debt was acquired by my dad who passed away in  XXXX   XXXX . The collection agency also knows this is not my debt because my dad purchased this timeshare in  XXXX  and I was only  XXXX   yea  rs old.  Also my name is  XXXX   XXXX   XXXX  and my fathers name is  XXXX   XXXX   XXXX . My SSN starts with  XXXX  and my dad 's SSN starts with  XXXX . I do not think this a case of mistaken identity, I think this is a case to harass me about a debt they can not collect from my father because he passed away.
Product: Credit reporting or other personal consumer reports

I will keep on REWRITING to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, and my name is XXXX XXXX. My birthdate is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing. 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against EXPERIAN due to systemic failures in conducting proper investigations of consumer disputes and for reporting inaccurate credit information. 

The CFPB sued EXPERIAN for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. 
Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 
2.A detailed explanation of your findings and the actions taken to correct any errors. 
3.The provision of a free updated credit report reflecting the corrections made. 

I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, including the CFPB and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.
Product: Credit card or prepaid card

XXXXXXXX XXXX new card incentive XXXX points after spending $ $ $ they cut it back to XXXX have screen shots of offer I applied for and response from me and company. Seems like a canned response, dont know if it just went to a bot XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, after looking over my TransUnion consumer report I have noticed many inaccuracies with the account information that is being reported. The amount of errors I have discovered looks very suspicious and deceptive. I am concerned that multiple inaccuracies will run the risk of damaging my creditworthiness, my reputation, and my right to privacy. The following accounts have not been properly investigated, validated, or verified yet they continue to appear on my credit report. This is a notice of dispute and request for the re-investigation of the accounts listed below containing inaccurate information : ( 1 ) XXXX XXXX- XXXX is reporting inaccurate information. ( 2 ) XXXX XXXX XXXX XXXX is reporting inaccurate information. ( 3 ) XXXX XXXX is reporting inaccurate information. ( 4 ) XXXX XXXX XXXX XXXX is reporting inaccurate information. ( 5 ) XXXX XXXX XXXX XXXX XXXX reporting inaccurate information. ( 6 ) XXXX XXXX XXXX  XXXX is reporting inaccurate information. ( 7 ) XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information. ( 8 ) THE XXXX XXXX XXXX  XXXX is reporting inaccurate information. It is my understanding that TransUnion is required to adopt reasonable procedures for meeting the needs of commerce for consumer credit and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents, the personal information you are reporting are not mine.
Product: Money transfer, virtual currency, or money service

Hello, I am writing to inquire about acceptable business practices and fees for currency exchanges. I recently visited XXXX, and exchanged USD in cash for JPY prior to taking off. I later realized the rate I was given in the airport was notably different from exchanges elsewhere, and began looking into this more prompting this message. A receipt from my transaction is attached for reference. This was a currency exchange counter in the XXXX airport near the XXXX XXXX international check-in counter. 

My initial intention was to exchange {$500.00} USD for JPY so I would have cash in-hand prior to landing. The individual behind the counter encouraged me to exchange more money, as I would receive a better exchange rate in this circumstance. I can not recall what the difference was exactly. 

On reviewing the rate I was given, in addition to the fees that were imposed : XXXX XXXX XXXX I received XXXX JPY. When dividing this by the exchange rate that day ( XXXX ) = {$500.00} USD. I was charged a total of {$610.00}. This a total loss of {$110.00} on an intended conversion of ~ {$600.00}!

I am writing as I naively assumed a currency exchange in a major US airport ( XXXX ) would provide a fair rate/fees. After auditing this I am realizing I am sorely mistaken and feel rather foolish. But I am guessing this occurs to many individuals systematically. I am not sure if this is considered to be a fair business practice, or if there are limits to the rate an exchange can give compared to what is being traded that day. In any case, as a consumer, I would advocate that these fees be much more clearly stated as I would not have taken that action had I realized the financial loss associated with the transaction. 

Thank you for your attention to this matter. Please don't hesitate to reach out with any further questions/clarifications. 

Thanks, XXXX XXXX