23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to pay a {$2500.00} vendor invoice received via XXXX, upon checkout I was solicited by XXXX to utilize the XXXX option for the billed amount. 

Upon applying for the solicited proposition, I received a notification that additional information was required. 

Upon calling XXXX, I was notified by their representative that the amount requested was not within range of the allowable limits within the program and that the cap was {$1500.00} I was more than welcome adjust my amount requested down to the allowable limits of {$1500.00} XXXX explained the problem in this was that I'm very credit conscience and the negative impact I'm facing is a new a inquiry for each of the three credit bureaus, lowering my credit score as a result of the solicitation for an amount under their program that I was never eligible for. 

My request was that the hard inquiries be removed as I was solicited under a false/unclear pretense oXXXX XXXX XXXX XXXX XXXX. '' The response received was along the lines of ( paraphrasing ) " You'll know better next time; you should have read the fine print before applying '' " Caveat emptor - or " buyer 's beware '' in a sense. 

I explained there should be such a necessity when your company solicited me directly for the amount that was clearly disclosed on the invoice for an amount that you knew exceeding the guidelines of the program. 

After a few rounds of attempts to convince me to apply for the available {$1500.00} to which I vehemently denied as I had other payment options, I requested to speak to a XXXX. 

The XXXX XXXX would not address the reason I was solicited in the first place and backed up the position that the hard inquiries could not and would not be removed and after a long pause, he just hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, Your statement provided totally goes against the Consumer Law. I also have spoken with XXXX XXXX XXXX and they're totally clueless on whats going on with this account. These guys can not provide me with any details and was very rude and told me that I need to call you guys and hung up on me. I am requesting the phone conversation from XXXX XXXX XXXX XXXX in regards to my account. I am requesting from ASPIRE the recorded phone conversation from that day of payment of {$330.00}. AGAIN I AM REQUESTING THE PHONE CONVERSATION which was stated to me over the phone that it was being recorded. ALSO I am requesting a written consent that was signed by myself ( XXXX XXXX ) that would give you guys ( ASPIRE ) the legal right to report this. I never signed consent and never gave you guys consent. Per CRA guidelines, this is absolutely illegal and should be removed from my credit report altogether. ALSO I am requesting a copy of the contract that was sent to XXXX XXXX XXXX XXXX WITH MY ACCOUNT DETAILS, SHOWING THAT THIS ACCOUNT IS NOW WITH XXXX. I have spoken with them several times and they can not provide me with any information. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason my mortgage company SETERUS is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60 days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XXXX XXXX the next payment that was reported after that was XXXX XXXX.
Product: Debt collection

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 number 3. The company assumed this role without permission not only that you did not have my consent. The company did not respect my privacy pursuant to 15 USC 1681 a number 4. The company did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report.
Product: Debt collection

I have spoken to five people at their offices who it appears cant handle anything. 

The account that was opened in my name is fraudulent. 

XXXX Received first bill From Citizens One XX/XX/21 - Received notice unable to approve application XX/XX/21 - Received second notice of past due payment XX/XX/21 - Went to Citizen Bank in XXXX NY Spoke to bank employee, she did mention this was the second one she had seen. I showed her all the paperwork I had received for this issue and she immediately called her home office and put me in touch with someone to discuss issue. This person transferred me to their fraud department. Spoke to a person there about what they will do. They wrote up a ticket, XXXX and stated I should contact the three credit bureaus about this issue, which I did. She told me I would be mailed some paperwork to fill out, I have never received it. She then stated I did not have to take any further action. 

Now I am receiving automated late payment calls. Ten calls to date. 

On XX/XX/21 I received another collection message and after being on hold for 30 minutes I called the number that was at the end of the collection message. I have the recordings of everyone I have talked to. I called that number and was on hold for 20 minutes. Someone finally answered and I was asked why I called this number. She looked at the fraudulent account that was set up in my name and did see a note that I had called about it being a fraud. She transferred me to another number, Im assuming it was their fraud department again. This person told me the paperwork was sent a week ago, I stated I have not received it. She then asked me if they could email it to me. I gave them my email address. I asked for the calls to stop and was told these are Auto generated calls, well heres a novel idea, get on your computer and stop it! 

I called again on XXXX and was told they would send me the paperwork via email, again. 

XX/XX/21 Have not received the email or mail for the paperwork they were to send me. 

I do not want this to get to my credit reports. 

I have made contact with XXXX with the account number and asked if they could tell me where the items were sent. They emailed back and said i need to get a police report. Going to work on that. Citizen One could have done the same thing if they contacted XXXX. 

I have also notified the three credit agencies. 

No one has followed through at Citizens One.
Product: Student loan

About 10 years ago, my wife co-signed on a loan for my daughter. We borrowed {$27000.00}, Today, we owe {$47000.00}! We have made payments over the past 10 years, but there came a time when we could not make full payments. A couple of years back the agency we borrowed from sold our debt to a law firm that offered us an arrangement. We now pay {$50.00} a month. I am unemployed and currently have XXXX of my adult children and our granddaughter living with us. The added expenses make it very difficult to pay more. What I would like to know is why this law firm increases the balance of our loan principal by $ XXXX/month! I do n't own a home, have spent all our savings, and have no other assets to be able to offer a settlement. At this point, my wife and I ( I am XXXX ) will never be able to pay this loan off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> I am reporting a fraudulent inquiry found in my credit report
Product: Money transfer, virtual currency, or money service

I am writing to firmly express my concern regarding Zelles handling of disputes in light of the current CFPB lawsuit highlighting significant issues with the platform. My financial institution failed to investigate my claims adequately. They did inform me about when sending money and funds are lost, theres no chance on retrieving the monies back. The CFPB findings do indicate that Zelle not only neglected to protect consumers but has allowed numerous repetitive offenders to exploit the system.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I have documented all correspondence with your company. Please remove these fraudulent accounts and please correct and update the inaccurate information on my credit report, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had no difficulty putting a 'freeze ' on my credit reports with XXXX or XXXX . On the other hand, Experian required that I answer more questions and provide more information ( that I entered 3 separate times ) and then denied completing my online request saying, " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' They said I must instead send copies of ID by mail as well as all of my personal information. They provided a telephone number for customer service and implied this was another option for identity verification ( as it was with one of the other two companies ). After requiring me to provide much of the same personal information ( computer, not a person ) on the phone they said they would only accept mailed information, repeating a long list of what they would require and then just hung up. There was no option to speak with a customer representative. 

It appeared that Experian really had no option to complete the security freeze online even though they presented this as a routine option on their website.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that there were hard inquires that are not mine on there.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I am writing to formally submit a complaint regarding the compromise of my social security number, which has resulted in me becoming a victim of a data breach and identity theft. I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 ( a ), it is imperative that the credit reporting agencies take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : ACCOUNTS BEING CHALLENGE : XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX INQUIRIES BEING CHALLENGE : XXXX | XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against the agencies involved, as allowed under the law. I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failing to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Under 15 U.S.C. 1681i ( 7 ) - Method of verification Violations under 15 USC 1681a ( 4 ) - Right to privacy Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I request that you take immediate action to block and remove the fraudulent accounts from my credit report. I have provided all the necessary information to facilitate this process.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
I want the CFPB to publish this
Product: Credit reporting or other personal consumer reports

I want to draw your attention on these accounts which are erroneously being reported as late payments on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.
Product: Credit reporting

i disputed inquiries with Experian to remove my inquires. they never gotten back to me. i never applied for these inquires. They do not belong to me. I Called Experian several times regarding these inquires. I keep getting transferred, and they both will not provide me with any confirmation numbers. I really hope you can do this investigation to help me dispute these inquiries on my report! thanks!
Product: Credit card or prepaid card

I have used the service provider Klarna Inc since 2021 without any issues, until recently. After numerous attempts to apply for the product, meeting all of Klarnas requirements, and satisfying all payments in a timely manner, Klarna has begun to discriminate against me and refuses to assist with the ongoing issues with their service. 

The issues stems from their automated approval system that performs a soft credit check every time a customer attempts to create one of their one-time use cards that are provided by their Buy Now Pay Later model, that allows users to split their payments into four equal payments if you use their service. 


For the past two months Klarna has declined my applications for one of two reasons whenever I attempt to use their service, their notices of adverse action show they either can not verify my identity or the payment method I am using is not able to be approved. 


I have verified and concluded all of my personal information on the Klarna website and my credit and consumer reports are the same information Klarna has always used when they approved me in the past, and the payment method I have attempted to use is a payment method accepted by Klarna that I have used before and meets the accepted payment methods Klarna advertises as the credit card in using is NOT XXXX XXXX 


Klarna accepts all major debit and credit cards such as XXXX, XXXX, XXXX and XXXX. Prepaid cards are not accepted Please note, XXXX XXXX does not support Buy Now, Pay Later ( BNPL ) products. 


At this point I feel Klarna is discriminating against me as they have refused to look into the issue and have ignored my complaints regarding their system. 

My partner uses the same service and we both used Klarna with the same frequency but he is still able to use XXXX service without interruption, even though his credit/consumer profile and history with Klarna is below mine.
Product: Credit card

On XXXX XXXX I decided to start shopping for flannel. Shortly thereafter I noticed there was a really attractive offer for an L.L. Bean Visa credit card, offered by Barclays. The specifics of the attractive offer was as follows : " Earn {$100.00} in L.L. Bean Coupon Dollars after you spend {$250.00} within the first 90 days of account opening '' This was great! I was tempted, and then I decided to go for it -I clicked on the link with the sign up bonus, went to the Barclay 's website, and on XXXX XXXX was approved for the credit card. Over the ensuing months I spent more than {$250.00} on L.L. Bean clothing, expecting to receive a {$100.00} in time for the holidays to get my mom something nice. However, when I sent a secure message to Barclays on Monday or Tuesday this week ( XXXX XXXX or XXXX ) asking about the status of the rewards, they claimed they had no records and could not help me. 

I expressed my surprise and pointed out that I had expressly acquired the card based on this offer -I considered it to be a bait and switch to deny me the offer. However, despite several calls, Barclays decided not to fully assist me, claiming that there was no way that similar offers could have been made within the recent past. I did my own research to show several occasions of similarly worded offers since XXXX 2016, exact phrasing was markedly similar to the advertisements show to me when : 1 ) XXXXwww.llbean.comXXXX XXXX XXXX 2016 -this is by far the most similar, except for the offer being {$50.00} statement credit rather than the {$100.00} in coupons shown to me XXXX 2 ) http : XXXX ( XXXX XXXX 2016 - showing that similar offers have been made in the recent past and in fact within two days my sign up XXXX 3 XXXX ( XXXX 2016 -again, illustrating similarly structured offers ) There are similar offers throughout 2016. I am extremely disappointed to have been taken like this -I thought I was a prudent, financially careful person, but Barclays has proved me wrong by illustrating just how ephemeral their offer to me was.
Product: Money transfer, virtual currency, or money service

no actions so far all the above no access to any number involved or email address
Product: Checking or savings account

I opened an account XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 during the promotional period that offered {$300.00} bonus for meeting certain requirements, including {$1000.00} direct deposit OR make 10 debit card transactions within 90 days. I satisfied the debit card transactions requirement on XX/XX/2020 and have now waited over one year without receiving the promotional bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely upset that the credit bureaus have not responded back to me yet about my investigation. I need these accounts that dont belong to me to be deleted from my credit report as soon as possible. It has been over 45 days and I still have not heard anything.
Product: Debt collection

I received information about a collection account for XXXX XXXX XXXX card backed by XXXX, which I do not recognize. I have had identity theft which has been reported since XXXX and even have fraud alerts and credit freezes. 

I have asked multiple times for a copy of the original contract with my signature as validation of the debt and that it's mine, again because I don't remember a XXXX XXXX XXXX backed by XXXX. They will not provide it to me, but will claim that statements showing charges and payments validate that it's my debt.
Product: Debt collection

They called my place of business and asked for a supervisor after I requested they DO NOT call me at work. They have my cell phone number, there was no reason to call me at work again after I demanded they do n't. This WAS HUMILIATING and damaging to my job role.
Product: Credit card or prepaid card

I reported a credit card as fraud to XXXX when I checked my credit report. A capital one card was opened on XX/XX/XXXX and had an owed balance of {$610.00} which was sent to collections. I disputed this with capital one because I was XXXX from XX/XX/XXXX to XX/XX/XXXX. Instead of requesting documents like XXXX XXXX  did, which was also disputed as fraud. Capital one said my claim was invalid. I called back and after an hour on the phone my dispute was reopened. They never told me what documents to send but I faxed them proof of my XXXX paperwork and my XXXX date paperwork. They refuse to tell me if they received my documents after giving me the wrong fax number making me collect documents and paying to send them twice to 2 different numbers. They are still saying the charges ar accurate even though I was in XXXX when the card was opened and used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts reporting to my reports. I filled out a identity theft and police report and the bureaus are still refusing to delete the accounts : XXXX XXXX XXXX, & XXXX
Product: Student loan

On XX/XX/2023, I received mail addressed to my minor son from Earnest XXXX XXXX XXXX. His name was not completely correct. Where are they getting his information? It concerns us that his identity is compromised.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach, with XXXX XXXX Hospital and with Equifax, in the data breach all my personal information was breached exposed. I want all the information on my credit report to be removed. It is nor far that my information was breached someone was working in XXXX in my name i have never live in XXXX before. 


Thank XXXX