23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was in XXXX and was looking to purchase a phone. I showed the merchant the phone i was interestednin-merchant requested my passport a crerit card. He went into the back and when mercant returned he said the display phone wws last one. I asked for the box, merchant said it did not have one. I took battery out of phone and saw imei number scratched off. I told merchant i was not interested. I asked that he reverse the charge he made on my credit card. Merchant refused. I called credit card company while still in the store and was told to just leave abd dispute when i returned to us. I submitted dispute to citibank who reversed charge. Approx two months later the charge was reinstated. I again submitted a copy of a phone i did purchase at diff store one hour later that included phone number and description of phone, imei no, return policy etc. Citibank responded that merchant submitted receipt, yet as i told them merchant ran my credit card prior to telling me the phone was not new and likely stolen. I told citibank that merchant did not provide me with receipt that included phone number, type of phone, and my name which was registered with phone number. This is required wheb purchasing a phone ib a different country. I stated to citibank all they beed tondonis ask for phone number and proof that phone was registered under my name or fimply call number to see if i answered. Citibank has refused. This has been going on since XX/XX/2015. i returned to the XXXX to speak rith merchant. The store no longer exists. I submitted pictures and a signed affadavit from the manager of the hotel i was staying at. Citibank dismissed my proofs. I told citibank that it was illegal to purchase stolen merchandise with citibank credit card. Despite all of this, citibank has permanently reinstated charge to my account and reported it to XXXX credit reporting agencies. Bc I wasnone of the individuals whose fbi background check iinformation was stolen from the us office of public management, I reached out to them. They topd me i should retain an attorney. I canbot afford an attorney, nor will i pay for something i did not receive simply bc citibank XXXXtinues to threaten me with delinquency. The fact that merchant 's store webt out of business, it is unclear how thry are verifying merchants account of this purchase that nuver happened.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNTS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : XXXX. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

XXXX. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

XXXX. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. 

YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. 

I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Credit card or prepaid card

I paid off my capital one Mastercard in XXXX of XXXX. On XX/XX/XXXX, I noticed a charge from XXXX for {$9.00} on my card. I called XXXX and they said my phone number was coming up in their system as someone elses name ( name Ive never heard before ). I told them they are charging my account without permission, as I have never used XXXX. They suspended the account pending a review and told me I would have to notify Capital One and dispute the charges to get my money back. I called Capital One on XX/XX/XXXX and they cancelled that card, and mailed me a new card, and credited my account for all the charges that went back 8 months to XXXX of XXXX. They said they were going to look into it. I received my new card in the mail on XX/XX/XXXX and went online to activate it and noticed all the XXXX  Charges were put back on my card the same day they were credited ( XX/XX/XXXX ). I called Capital One customer service and after 20 minutes of being transferred to 3 different departments and explaining my issue, I finally had someone tell me that Im outside the window for reporting the charges as fraudulent, and I have to call XXXX and deal with them directly. The Capital One ads and app all say they provide a fraud protection so you dont have to worry about paying for things in cases of fraud. Well this is fraud and it amounts to {$1800.00}. And they just stuck it to me and told me to figure it out. Since I already paid the balance off, there is nothing I can do to get a refund. Ive called XXXX and they are giving me the run around too. Seems like all the corporations got their money and Im stuck paying for the fraudulent activity. I told Capital One to close all my accounts immediately. After 20+ years of doing business with them and paying their high interest rates, they refuse to make things right over {$1800.00}. This proves that their fraud protection guaranty is as fraudulent as the fraudulent charges I was forced to pay.
Product: Credit reporting or other personal consumer reports

Nissan Motor Acceptance has a late payment listed on my account which is not accurate. Made several attempts to have the company to correct this error and have been unsuccessful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX Account XXXX : XXXX XXXX  # XXXX XX/XX/year> Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have been consistently paying all my Capital One accounts for 24 months straight and at the beginning of the CoVid 19 pandemic I had financial hardship as most of the world and I still made every payment! 

Capital One consistently denies me an increase on my already strained credit limits and is limiting my purchase power!
Product: Mortgage

Date of contract is XX/XX/21. On XX/XX/21, my wife and I applied for a mortgage loan ( Loan Depot # XXXX ), with broker XXXX XXXX of XXXX XXXXXXXX XXXX XXXXXXXX ( lender/mtg ID code XXXX ; NMLS/license ID XXXX ). Broker advised that we can not lock the interest rate after completing the application. However, I never heard of this from any other broker/lender/attorney. Broker charged my credit card for appraisal fee of {$650.00} on XX/XX/21. Appraisal ( appraiser XXXX XXXX State Certification # XXXX ) was conducted on XX/XX/21 and submitted to bank on XX/XX/21, almost a month later and after numerous calls/emails to broker to advise on reason for delay. No valid reason was given for the one month delay for appraisal. On XX/XX/21, broker advised I need to increase my loan amount to include payoff for vehicle, despite promising me that there will be no payoff conditions numerous times over the phone. In addition, broker stated he thought my loan application was conventional, and not FHA. Property falls in predominantly white area ( zip code XXXX ), and I am an XXXX XXXXXXXX. There is strong sentiment that the broker discriminated against me due to my XXXX background and XXXX XXXX, to block me from purchasing property in a predominantly XXXX neighborhood. I feel my rights were violated and his business practices adversely affected my ability to purchase the FHA-backed property. Please investigate fully and take appropriate action in accordance with the law.
Product: Mortgage

I apply the loan and also shop around to get best rate and best discount for my refinance. I receive letter from QuickLoans to ask to contract that they will give me better rate or they will give me {$250.00} Visa prepaid card if they are not able to match or beat my lender. I fill out online all my information and someone contact me. I have to go over 30 minutes to contract and another 20 minutes with the loan officer. But their rate is too high over 4.00 % or I need to pay points to get 3.99 %. It is too high, so I am ask regarding the letter promise/send to me. He make me contact other department to get paper. I fill out and even submit the loan estimate estimate that it shows my lender offer me better. However, they told me that I need to submit both loan estimate document and Closing Disclosure document, which I did on a few day ago, to submit to them. However they denied say that my document is not good enough to get $ XXXXVisa GC. I think they are not a great person to loan. I go to website and try to chat with someone. After enter for 15 minutes and ask my information, he just close the screen. I want to complaints to notice that other don't trust and use this since this company is very not what they promise and not try to resolve the problem, but disconnect and did not answer. This is bad if you go with them. They will promise and later there are some problem with the loan, nobody will help you. Try to avoid this company as I write to notice and don't do loan with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX agreed to deed back XXXX XXXX on XXXX # XXXX. The letter attached is proof of the agreement entered into with XXXX XXXX  XXXX XXXX. 

On XX/XX/XXXX, Vice President, XXXX XXXX emailed XXXX XXXX XXXX, in response to being in receipt of the paperwork. Mr. XXXX wrote in that email he " will forward to the clerk. '' The Deed in Lieu of Foreclosure was executed and the check disbursed from the account of XXXX XXXX XXXX XXXXXXXX XXXX was received and deposited in the account of XXXX XXXX XXXX, on behalf of agreeing to the Deed in Lieu of Foreclosure. 

Since the agreement was executed, the corporate officials of the Resort on XXXX XXXX has violated the Fair Credit Reporting Act, and reported false and inaccurate information to the bureau of TransUnion. Specifically, the deed in Lieu of Foreclosure is currently showing on my TransUnion Credit Report as a foreclosure. 

I, XXXX XXXX formally request that TransUnion Credit Bureau comply with 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 a Inaccurate information on consumer reports every reporting agency should have correct information
Product: Debt collection

I have asked repeatedly for proof of debt from Rash Curtis over the years, detailed bills, invoices, etc, but they have not provided it. They went as far as to call my out-of-state parents trying to find me. They are notoriously rude and my alleged debt is nearly 7 years old. Since they did not provide the original invoice of any of the debts, I've been righting these off my credit report for years only for them to put them back on sneakily. I have been sending dispute letters to them for years none of them were answered.
Product: Debt collection

This debt is from a car rental company XXXX XXXXXXXX XXXX XXXXXXXX. XXXX is listed on XXXX and does not comply with the consumer regulation. Collection is listed as Past due balance OPEN and OPEN STATUS. Please review a copy of the listing on my XXXX credit report. 

Please remove this collection from my credit report. Thank you in advance for your assistance and support.
Product: Checking or savings account

Synchrony Bank has added extra security where you get an automated call with a security code needed to log into your account. The number they have on file is not our phone number. I was told by their customer service they use a third party who gets telephone numbers off the internet. We have done business with Synchrony Bank for years, they have our telephone number. We can not get them to remove this telephone number, which is not our telephone number, from their system or our account. I have contacted them numerous times regarding this issue and they insist they can not help with the issue.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/year> XXXX : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the XXXX  system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX. XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. Tracking everything CC : FTC, XXXX XXXX, CFPB Client name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I applied online for a XXXX Credit Card. On that same day XXXX Bank did a hard inquiry on my Equifax credit report. On XXXX XXXX, I received a letter from XXXX dated XXXX XXXX stating that because of a security freeze on my Equifax report that my application would not be processed. I had also received a letter from Equifax stating the security freeze had been lifted from XXXX XXXX XXXX XXXX, XXXX that allowed XXXX access to the report. XXXX says they never accessed my report, but the inquiry is on my Equifax report and will only consider my application if I allow another hard inquiry. Equifax will not let me dispute the hard inquiry because XXXX looked did run a credit check and will not remove it. XXXX will not remove it because the bank says it never ran it. So this inquiry will affect my credit score for the next XXXX years and I got no benefit from it.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX  XXXX, AK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$98.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The companies listed below violated my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 a states I have the right to privacy.

15 U.S.C. 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST 4 XXXX ), Consumer Date of Birth : ( Private XXXX XXXX ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of an Auto loan account Credit Card Accounts and several inquiries. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns regarding Experian handling of disputes, ( Member ID XXXX, XXXX XXXX ) particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Experian numerous times and reporting discrepancies, Experian failed to investigate my claims adequately. They informed me that recovering disputes was impossible and that tracking these disputes was unfeasible. The CFPB 's findings indicate that Experian has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety. Experian has not attempted to remove or correct it immediately as it's affecting my chances of having a ( house, car, or phone ). Experian violates my rights as a consumer, as well as federal laws.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I submitted a wire transfer internationally from my Bank of America Account to my International Savings Account and as of XX/XX/2021 I have not receive my money, the transfer for what I submitted was promise to be delivered on the XXXX of XX/XX/2021.
Product: Credit card

contacted the company to build my credit while filing a chapter XXXX bankruptcy in XXXX. I paid {$300.00} and received a credit card and worked hard at building my credit. Company closed my account without informing me of this process prior to accepting my payments and deposit. I have lost my deposit, credit with the company and my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection XXXX XXXX XXXX XXXX   XXXX for months.XXXX  and XXXX have Deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''