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

XXXX XXXX Opened XX/XX/XXXX {$1100.00} XXXX XXXX Opened XX/XX/XXXXXXXX  {$1100.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX Opened XX/XX/XXXX {$2000.00} XXXX XXXX, XXXX. 
Opened XX/XX/XXXX {$2400.00} Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

Its unbelievable that neither the credit bureaus nor the companies involved can recognize this as fraudulent. Why would I open three credit accounts and go delinquent on all of them? If these accounts are old, its illegal for any company to change the original open date to a recent year just to reset the seven-year period for negative items to remain on my credit report under Ohio law . That, in itself, is fraud. Additionally, the reported delinquency for XXXX XXXX showing as XX/XX/XXXX doesnt make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Major Financial with a {$5000.00} credit limit. I am required to pay them $ XXXX year to keep my account open. I paid my annual fee and the money cleared my checking account XX/XX/2021. Yesterday I was notified my credit score dropped by 7 points due to Major Financial account being closed. I have notified the company of this error. They did this to me several years ago, causing my credit score to drop. They reactivated my account, which made my credit score drop even more because it appeared I opened a new account
Product: Money transfer, virtual currency, or money service

My ticket was opened in XXXX. Ticket number XXXX. At the time around XXXX had been sent from Binance to Binance.US using what was ostensibly a faulty pipeline because Binance.US doesnt accept XXXX. I opened a ticket I was told that an extraction would be performed and would cost around 500 . 6 months later no extraction has been performed and I still do not have my crypto which is now valued over XXXX dollars.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX and XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm ( XXXX ). When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Bank of America did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Bank of Americas custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Bank of America promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Bank of America was in compliance with its own policies and procedures ; ( v ) whether Bank of America owed duties to myself, what the scope of those duties was, and whether Bank of America did not uphold those duties ; ( vi ) whether Bank of Americas conduct was unfair ; and ( vii ) whether Bank of America has within its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Reference # : XXXX Liability : {$0.00}
Product: Credit reporting

The following delinquencies was reported which decreased my XXXX score. This debt was ordered to be the sole responsibility of my Ex husband by a court majesty. However, I am constantly receiving calls and it continues to be entered against my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, amount of XXXX. I have disputed this account with all XXXX credit reporting agency. I have no knowledge of this account.
Product: Debt collection

I received numerous robocalls and telephone calls on my cell phone from XXXX XXXX XXXX and its collection agency Credence Resource Management LLC for {$78.00}. I had switched internet service to XXXX and terminated this account as of XX/XX/XXXX, but they still demanded payment for XXXX service for two cycles from XX/XX/XXXX through XX/XX/XXXX, after their service had been terminated. 

XXXX XXXX XXXX has an answering service which will not respond with a live operator unless the amount is paid. I refused to pay the amount and XXXX XXXX XXXX made a number of robo-calls on a daily basis during work hours. XXXX XXXX XXXX eventually called through a live operator, and I told him that the amount is disputed ( despite the fact that they had already received their leased equipment back ). They next submitted their claim to Credence Resource Management LLC whose employee called me on my cell phone during work hours, threatening to sue and blackball my credit unless it is paid. Again, I told this person also that this amount is in dispute. Notwithstanding, Credence sent me a letter of collections demanding payment.

This is a small amount and it is much easier for me to just pay it. But I am so incensed by XXXX XXXX XXXX and the threatening tone of Credence that I felt it was necessary to point this out to CFPB and to the public. When I went to the XXXX XXXX to send back the leased equipment to XXXX XXXX XXXX, there was a line of people all waiting to do the same, and they had gone through similar experience of XXXX XXXX XXXX 's wilful disregard for consumer rights.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the period from XX/XX/XXXXXXXX  to XX/XX/XXXX, I engaged the services of Lexington Law Firm with the aim of improving my credit score and resolving credit-related issues. At the time, I was hopeful that their credit repair services would provide effective solutions and help me achieve my financial goals. 

I committed to a monthly payment of approximately {$120.00}, trusting that it would be a worthwhile investment in my financial future. However, as the months went by, I noticed that no significant improvements were made to my credit, and none of the credit issues were resolved. Despite my efforts to stay informed about the progress, my interactions with their customer support team were often unsatisfactory, as they provided minimal assistance and updates. 

In retrospect, I regretfully admit that my experience with Lexington Law Firm did not meet my expectations. As a result, I feel that I spent hundreds of dollars without receiving the level of service and results that were promised and expected. 

Considering the lack of tangible outcomes, I am seeking a full refund for the period of service from XX/XX/XXXXXXXX  to XX/XX/XXXX, during which I did not receive the credit repair services that I had initially signed up for. I believe a refund is a fair and appropriate resolution to compensate for the services I did not receive.
Product: Credit card

On XXXX I made an in store purchase at XXXX XXXX using their credit program for {$2100.00}. I was told it would be purchased under the 12 month equal pay no interest. Some items were shipped others I XXXX have taken with me. 
On XXXX I made a purchase of XXXX again using my XXXX XXXX Credit card. I was told this purchase would be placed on the 12 month equal pay no interest program also. 

I made monthly payments via auto pay- so I did not check my statement at all- thats on me- my mistake. 

On XX/XX/XXXX : I went in to pay off the card balance before the promotions expired and noticed I had been charged interest since last year. To my surprise, interest had been accruing on my account. Through XXXX of my calls with Cap One they saw portions of the transactions that did not make onto the XXXX no interest promotion. From the XX/XX/XXXX transaction, {$570.00} did not make and from the XX/XX/XXXX transaction {$500.00} did not make it on the no interest promotion. It seems to me there is a training issue for all parties. Obviously, something happened from the total I was given vs what happened. But both trans were in store, but some times had to be shipped vs carry with me On XX/XX/XXXX : I called Cap One 4 times and XXXX XXXX once. Cap One opened a case and it was immediately closed and denied. And XXXX XXXX told me it was a Cap One problem- go figure. I explained to both parities that I was deceived into thinking I was receiving no interest, when in fact I did not. 

On XX/XX/XXXX : I called Cap One again and the supervisor told me there was nothing she could do or escalate this too. I didnt believe her. 

This just seems completely unfair I am having to spend so much time on what would be a negligible amount of interest to be reversed. This is a core feature of the product and folks are acting like I am making no sense.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion XXXX XXXX Y XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX -late/closed XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is failing to report any credit history on my credit report. ( Please see the attached copy of my credit report. ) This purposeful omission of not reporting is harming my credit score. I have contacted the bureau to fix this, however I have not been successful. I respectfully request that Transunion update my credit report to reflect my credit history and current credit information.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete these items ASAP.
Product: Credit card

On XX/XX/year> i contacted Navy Federal Credit Union about charges that i did not make that I seen on my account. They said that the charges were made in XXXX and another country. They issued me a credit on my credit card and all was well. On XXXX XXXX Navy Federal then went and reversed the credit out of nowhere. I contacted them again and put in a dispute. At this point I had realized that the cause of these charges were from my XXXX XXXX as this Navy Federal Credit Card along with another credit card was in my phone as both cards were used. I sent in the details of all of this proof, as I was not out of the country to make theose purchases, as well as I had made police report on this matter against XXXX XXXX XXXX. 
I sent a registered letter to NFCU on XX/XX/year> which they claim they never recieved asking for proof of purchases made by me. On XX/XX/year> i then electronically submitted the att bill that shows the upgrade of my phone with the date, police report. which on XX/XX/year> they denied the claim without warrant. 
Again I contacted them disputing that as how could they deny the claim when I did not make these purchases nor responded to any letters showing proof that I made these purchases, as well as the reason why they are dening this claim. NO RESPONSE In XXXX they reported late payments on this card, Under law 1681s 2 and 1681i they arent allowed to report late payments until the matter was resolved. XXXX XXXX I sent yet another letter tracking XXXX usps which they have yet to respond to.
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
CONVERGENT ( Original Creditor : XXXX XXXX XXXX ), balance is {$690.00}, and account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of XXXX  etc. unless they can prove a written contract exist.
Product: Credit card

I figured out what has happened with one part of the alleged fraud on my American Express Account. Iemailed and faxed the information to Amex, but Icannot upload the supporting information becausethey closed the inquiry just days after I made thecomplaint. They also closed down my account aday before payment was made in full because of mydispute and out of retaliation, and now I cannotupload the evidence I found to the dispute center, and it will not allow me to re-open this additional. 
dispute, which is actually XXXX disputes. The lettersand information I am attaching proves what I amalleging as to how this part of the fraud more thanlikely occurred, but Amex refuses to listen to me orinvestigate and retaliated by closing an accountpaid in full.
Product: Credit card or prepaid card

We purchased XXXX washer and dryer from XXXX in XXXX for {$2800.00}. We paid Citi Costco Card which provides extended warranty. The machine broke in XX/XX/XXXX and upon calling appliance repair they diagnosed a shock absorber needs to be replaced. Total estimate for shock absorber was {$290.00} and we submitted a claim via Citi benefits for {$380.00} ( {$290.00} + {$85.00} service call ). After about a month the claim was approved and we call the appliance repair to replace the shock absorber which they did. Just a month before replacement of the shock absorber we started to see that every time we turn on the washer various electric circuits in our house start flickering. And when repairman came to replace shock absorber we asked to look into this as well ( to save on another service call ). He quickly diagnosed the issue with main electric board and said it is dangerous to use the machine. I asked for estimate and they send me {$730.00} to replace circuit boards. This is when I submitted another claim to Citibank. After reviewing the claim adjuster approved only {$330.00} out of {$730.00}. Upon my request they said that it is not a different issue but a part of the same repair and they can't pay more than {$710.00}, and attempts to speak to a manager were declined. In my opinion this is a violation of warranty terms.
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. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX  Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  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 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 card or prepaid card

After opening a Barclays XXXX XXXX  credit card in early XX/XX/2021 ending in XXXX, I noticed none of the promised & posted reward points ever made it over to my account from Barclays. This is XXXX for my XXXX credit card statement, XXXX for XXXX including the bonus on the Barclays statement per their offer, XXXX on XXXX statement, and XXXX on the XXXX statement including the rest of the bonus offer, for a total of XXXX points never credited to my hotel rewards account that should have been. 

After contacting them over a dozen times by phone with my husband, myself, and via their website message center about this & getting case # XXXX in early XXXX, there is still no response from Barclays and they have not resolved this problem.

Many hours of frustration have been invested in this issue by us, and we would like a resolution & fines imposed on Barclays for stonewalling us for over 6 months.

We contacted both Barclays & XXXX XXXX starting in fall 2021 when we didn't see the points arriving as they should have, but XXXX XXXX said Barclays never sent the points over after we called each company several times. Passing the buck & stonewalling us for over 6 months bought Barclays some time, but we would like compensation & fines to be imposed on Barclays for deceiving us for so many months.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations BUCKLE Robocalls cost XXXX  $ XXXX arbitration award he Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XX/XX/XXXX Every state has a consumer protection law that prohibits deceptive practices, and many prohibit unfair or unconscionable practices as well. These statutes, commonly known as Unfair and Deceptive Acts and Practices or UDAP statutes, provide bedrock protections for consumers.XX/XX/XXXX Unfair & Deceptive Acts & Practices - National Consumer Law ... 

Search Results Web results FTC Obtains Record {$190.00} XXXX Settlement from University ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - The University XXXX XXXX XXXX XXXX XXXX and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX!, XXXX, XXXX, ...
Product: Mortgage

My mortgage closed in late XXXX. 
After it closed I changed my insurance policy to a lower cost one. 
I have been trying to get XXXX XXXX XXXX servicing to adjust my required escrow account without any success. 
On XX/XX/XXXX I finally was able to talk with someone who told me that my account had been reviewed, my payment was finally reduced and they were mailing a check for more than {$800.00}, the overage accumulated between XXXX and XXXX Never received the check. Was told that they would deposit the amount to my account immediately on XXXX. Nothing happened. I talked with customer service Friday morning, XXXX and was told a supervisor would call me within 48 hrs.As of today, XXXX, I've still not heard from the and still haven't received my deposit. 
I paid my Prin and interest for XXXX ( which thet failed to apply ) and told them I needed the money do me to continue to make payments. The only payment I can make my old mtg payment which is more than {$100.00} to high. 
Thank you, XXXX XXXX