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

I visited the American Express website on XX/XX/XXXX and was shown an offer to apply for the " American Express Platinum Card '' with an offer of earning 10x Membership Rewards points on applicable purchases at US Supermarkets and US Gas Stations as well as a XXXX Membership Rewards bonus after meeting a minimum spend requirement. On XX/XX/XXXX, I contacted their customer service ( both via website chat and by phone ) to inquire as to why I am not earning 10x Membership Rewards points as I should be. I was told that I would receive a call back by the end of the day which never came. On XX/XX/XXXX, I contacted customer service by phone and was told that, despite the website offering me the offer described above, that I would have to be " solicited '' for the offer via email or mail. The representative became defensive when I questioned why the offer would be shown to me on the website if it were not valid. I believe I was falsely advertised to and am entitled to both the 10x Membership Rewards earning rate and the XXXX Membership Reward sign up bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a Fact, that, I, XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney in fact, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will autograph for my given name, XXXX XXXX and as the agent and administrator in fact. 

Notice, it is a fact, XXXX  is aware, this inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove this inquiry CITI CARDS CBNA XX/XX/2020 as seen on my report in Exhibit ( 1 ). 

Notice, it is a fact, XXXX is aware, this unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and CITI CARDS CBNA is in violation of 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and is liable for each unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$330.00}
Product: Credit card or prepaid card

I used my Citi bank credit card to attempt to make a purchase of XXXX XXXX gear from this company called ( XXXX ). I never received the initial items of XX/XX/22 for {$81.00}. I was unable to get in touch with anyone from this fake company, and my Citi bank credit card refuses to try to resolve this debt. I have tried to convince them to look into this charge and explained that this company also made unauthorized purchases using my credit card the next day. It was all a fraud and Im getting stuck with a bill. Please help me.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX 
This account is not accurate and is reporting false and misleading information on my Experian account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Pursuant to Fair Credit Reporting Act 1681i ( a ), the CRA that receives the dispute must conduct a reasonable reinvestigation of the dispute. The Consumer Reporting Agency also must notify the furnisher of the dispute. That is generally done electronically through an automated consumer dispute form, or XXXX. 

Once notified by a CRA of a consumer dispute, the furnisher of the disputed information must do its own reasonable investigation. A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. If a furnisher can not affirmatively verify that it has accurately reported disputed information, 1681s-2 ( b ) ( E ) of the Fair Credit Reporting Act requires the furnisher to modify, delete, or permanently block the reporting of the disputed information. 
Please conduct an investigation with the deed of court or clerk of court and forward me the finding or delete the public record!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. DCI agreed to a settlement to remove an item from my credit report. I have paid the settlement amount but the company did not remove it from my credit report as agreed. 

I have contacted them multiple times.
Product: Debt collection

Johnathon Neil Associates conducted an unauthorized hard inquiry on my XXXX Credit Report. The pull was does XX/XX/2021. 

I have no business with this company and have no knowledge of any debt owed to this company.
Product: Debt collection

Using a company called XXXX XXXX XXXX I had debts negotiated for settlement which both parties ( myself and debt collector ) had to agree to. Calvary had to agree to the terms of the settlement as well. They continue to be the only of all 6 settled debts to report inaccurately to the credit bureaus. Officially the agreed upon settlement amount has now been paid in full by me through XXXX XXXX XXXX but Calvary continues to report a balance owed to the credit bureaus. The entire time I have been in a settlement agreement with them they have reported a higher balance than the agreed upon amount - again, an amount that they had to accept and did accept. I just want this to be made right, Ive done my part. Paid the debt, it should no longer reflect as a collection on my credit report.
Product: Student loan

Just today, my mother in law received a call from a navient worker named XXXX. This is the third time she has called her. My info WAS ALWAYS updated in their system. I have no answer as to why they are calling her! My financial business is not hers, and she does n't want these calls either. THE START : If you go back a year ( or more ) you will see that I was making my payments ON TIME. Unfortunately, I lost my job in XX/XX/XXXX. I DID MY DUE DILLEGENCE TO CALL NAVIENT AND LET THEM KNOW I LOST MY JOB AND COULD NOT PAY RIGHT NOW! I also informed them that I would certainly pick back up in making ontime payments when I get back working ( please check recordings since they make it clear they are recorded ). They are STILL calling me about making payments. I then talked to them again and let them know about my situation and they blew it off as if I was a horrible person. I asked them to PLEASE make a note on my account about what I 'm going through. Then today happens! They keep calling badgering my mother in law and when I called them back, they badgering me to make a payment! It 's very frustrating that they are not caring enough to listen to what my struggle is ( briefly ). It 's like they do n't care about me as a person! I have a family, kids, wife ... they know I ca n't pay right now, so why keep asking me? This is not fair nor is it any type of good customer service.
Product: Debt collection

There is a collections reporting on my credit file with Amiericollect Inc. This was for a hospital debt that was covered by XXXX. I contacted them directly and they told me I had to contact the hospital and when I did the hospital confirmed it should have been covered under the XXXX. I contacted the collection agency and sent the documentation after getting the run around from the hospital and the collection agency they told me that it was too late that the account was over 6 months old. I started fighting this as soon as I was made aware of the debt which was XX/XX/XXXX of this year.
Product: Credit reporting or other personal consumer reports

Experian has blocked my account access and removed my phone number for account recovery. I am unable to access my credit report despite multiple attempts to contact customer service, which has been either unavailable or unwilling to help me recover my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX  bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy : Discharged XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Bankruptcy chapter XXXX-discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, DC XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, account is reporting 30,60,90,120 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX AND XXXX XXXX XXXX reported an account to XXXX  without first notifying me and giving me a chance to dispute and resolve the issue. The Fair Credit Reporting Act requires XXXX XXXX to send a notice before reporting negative information to credit reporting agencies. In this case, I was NOT sent a notice therfore, I am requesting XXXX to remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XX/XX/year> : XXXX XXXX NA XX/XX/year> : XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, or personal loan

I paid XXXX for the car I took the loan out for with Santander bank and was told none of that money went towards my car payments. This bank caused me to be arrested because they contacted local pct and said to them my car was stolen secondly I kept getting harassed by the police and followed everywhere I went. This bank has also caused me my education and reputation because after arrest I was not accepted to finish my last semester of classes. Thirdly, harassed at my job by calling having individuals that were my higher ups fire me. Contact my housing and had my rent raised to the same amount as my mthly payments. I live in income based housing while I went to school and built myself from being in a family shelter with my children. A class action lawsuit was taken out and they lost forgave everyones loan and they still have that I owed them {$30000.00} way more then the car was worth and plus not adding the money I paid on the car on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is incorrect Name : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Employment info : XXXX XXXX Address : XXXXXXXX XXXX XXXX  XXXX, Ga XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX
Product: Debt collection

FOR SOME ODD REASON THIS COMPANY THINKS THAT THEY CAN IGNORE A PERSON AND HARASS THEM LIKE THERE IS NO TOMORROW. I HAVE ASKED EVERY TIME THAT THEY CALL AND TO DELETE FROM MY CREDIT REPORT BUT THEY HAVE CONTINUED TO DO BOTH.
Product: Debt collection

i had opened an account with XXXX online in XXXX i was making my monthly payments until XXXX. XXXX horribly made a mess of my account and payments. i attempted to correct this errors by phone and online. but XXXX would not or could not fix the mess they created. as a result i was unable to continue paying my monthly bill. it was in error. i was notified that the XXXX account was then closed. and later that it was a charge off, deemed uncollectable. i heard nothing more about this account until XX/XX/XXXX when i was contacted by mail that a collection agency, lvnv, llc, had acquired the debt in XXXX XXXX i received about 3 letters from this company. the last was in XX/XX/XXXX where i disputed this debt via online letter to this company. no response from the collection agencty at all. i informed them this was an old debt, that was not collectable under the 4 year statute of limitations in pennsylvania. also i am on social security XXXX with no assets at all. i received no response from lvnv llc until i got a letter the 2nd week of XX/XX/XXXX, stating they filed a civil suit against me at the local magistrate. this company has not proven the debt is valid nor if they have standing to persue it. as i stated it is over 4 yrs old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby filing a written complaint against Equifax. I have sent over seven certified letters to the credit bureau to verify the incorrect information on my credit profile. Equifax is reporting XXXX XXXX XXXX late for 10 months in XXXX and in XXXX, XXXX and XX/XX/XXXX. They are also reporting a repossession and the car was never repossessed. These information are incorrectly being reported. I am requesting they remove this account immediately from my credit file. I have not received any communication from them about these late payments and they are yet to verify the validity of their data. They have not made any attempt to try to rectify this urgent matter. I initiated the verification process with them in XX/XX/XXXX and I am yet to reach a resolution. Im hereby seeking assistance and resolution. If this can not be resolved in a timely matter I will be forced to file legal action with the assistance of my attorney. Equifax please remove all late payments for this account and remove repossession status.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle a number of times and reporting issues, my financial institution and Zelle never adequately investigated my claims. They told me that recovering my funds was impossible and that they couldnt track the funds.
Product: Credit reporting or other personal consumer reports

Im trying to get these inquires removed off my credit because I didnt have no knowledge nor did I authorize these. 
XXXX 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

In accordance with the Fair Credit Reporting act. The list of accounts below has been violated. My federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 
15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Payday loan, title loan, personal loan, or advance loan

I used affirm.com as a service to pay for a product in a payment like form from a company called XXXX. I purchased the hair on XX/XX/2024 so that I could have the hair for a XXXX appointment as they claimed to do 1 day shipping. The hair did not ship in 1 day so I reached out to the company and asked when would the hair be shipped and stated that I was in assumption that it would be shipped in 1 day. They emailed me back the same day and stated that it was being shipped tomorrow. I missed the window for my appointment. I received the hair and the hair was very thin and not full which was very different from what they advertise on their XXXX website. I paid $ XXXX dollars for this hair. I emailed the company and expressed my concerns about the quality of the hair with pictures comparing it to how another companys hair quality looks and where we should go from here. They never responded. I followed up with another email. No response. They have a 14 days grace period before you can even think about a return, so I decided to dispute hoping that would alert them to my issue. Affirm dragged their feet during the entire process. I had to reach out several times asking for updates, to which they would say our team is still working on this. They never informed me if XXXX XXXX XXXXXXXX responded. Toward the end they decided re-ask for all of the information that I gave them already and threatened me to give it before a certain date or it would be ruled in her favor. And eventually stuck me with a bill with a product I dont even want!! All I wanted was for XXXX to respond for a replacement or for me to be able to send the hair back. Affirm was supposed to be the middle man, it seems like they werent able to reach her either and now theyre trying to stick me with this issue. I called their customer service after they resumed my payments WITH the dates that it was paused tacked on making my loan appear to be behind ALTHOUGH I couldnt even make payments because it was paused explaining how I not only didnt appreciated the outcome nor how they resumed my payments as late and didnt even update my payment dates.. The customer service agent was very nice and understood the situation and decided to appeal my case. My case was reopened to the same guy named XXXX XXXX who is completely dismissive and inconsiderate and does not care about my case .. so I know there will be no other outcome with him working on it. I dont understand how one can see the need to appeal and then have one who drags their feet and rushes it to a dead end.