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

XXXX and equifax are reporting inaccurate information on my credit report. XXXX is inaccurate, I never had an account with XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX
Product: Debt collection

Dear Sir or Madam, I previously had a credit card ( cc ) with Barclays card. With that said, prior to XXXX of XXXX, I was never late on my payments. My payments were timely and when I asked for a credit increase, the request was granted. 
In XXXX of XXXX, I filed a dispute for a charge on my account that was posted in XXXX of XXXX. 

I continually disputed the fraudulent charges without success via emails and phone calls. In addition, the link on the website was not working and every time I spoke to employees about Barclays link not working, I never received any hard copies of the paperwork. Again, I continually asked for the documents to be sent to me via hard copy, but I never received, and I brought this to the attention of Barclayss card, and afterward, it was stated that the disputes were in review, and to date, no resolution. 
To date, there has been no resolution on the disputes, and Barclays has reported on my cc three reports being 90 days late, one 60 days late, and one 30 days late for the same event. My understanding is that there should only be one ding on my credit report due to this all being the disputed issue. I called Barclays cc and requested the late payment notices be removed from my credit report and utilize the pay to delete and after being on the phone with XXXX, Customer Service for over 50 minutes then transferred to XXXX XXXX, Escalation Specialist, for about eight mins, all five late reporting are still on my credit report. Again, I called Barclays card on XX/XX/XXXX to request the items to be removed, but they stated they do not do a pay to delete, therefore the late statements are still on my credit report. 

In addition, I paid for my cell phone bill w my cc, and one of the benefits of having the cc was that if a cell phone was broken or damaged, I would get reimbursed for the item, which I never did even after filing the claim two times. To date, there has been no positive resolution on this issue either. With all of that said, I did pay off the original balance of {$600.00} and when I did, I asked for a pay to delete, which was not honored by Barclays card. Ultimately, I would like for Barclays card to remove the late reports on my cc, honor the pay to delete and not have my payment listed as a settlement. 

Thank you, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was mailed an offer. I signed in and accepted the offer. I provided all and any information to them to identify myself. They signed into my bank account and have all my personal information and still denied me saying they couldnt identify me. They asked some very personal questions and asked for very sensitive information. Why am I reporting them? Because they are phishing through usps and through the web. I got mine through the usps. They are telling people they are approved, make you jump through hoops then deny you for the reason they cant identify me. This has happened to plenty of people. Im reading it in the XXXX  site. Ive left a complaint due to them denying returning nor destroying any of my personal information. Its obvious they are stealing information for their personal gain. When is something going to be done about this criminal organization?
Product: Money transfer, virtual currency, or money service

I am filing a complaint Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations!
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX - XXXX, XXXX  XXXX XXXX, XXXX - XXXX, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Student loan

I attended XXXX in XX/XX/2009 I believe and was told if the money is used for school I will not have to repay. I only received one check for {$1100.00} the rest the school kept. I only applied for grants as well & I did n't think those had to be paid back. As far as XXXX College online, I was told the cost of my schooling would be {$9000.00}, I never once received a check from them, I applied for student grants and was approved, so I am not sure why my student loans are so high. Please help me understand. This has gone on entirely too long. They are taking advantage of less fortunate individuals and it is not right. I just want to be able to provide for my family as everyone else does. Being on welfare is not an option and I do n't want my family to think that is the only way to survive either. Justice needs to be present for all individuals no matter the race.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point I am not sure whats happening at the thre major credit buroues. There are still inaccaurete information o my credit report! I have asked Experian, XXXX, and XXXX to investigate and remove the inaccaurete information! This is fraud and defamation!!! They arnt investigating. They have removed a few things but they havent fully investigated! I am demanding these inaccaurte information be removed! Federal law requires Experian, XXXX, and XXXX XXXX ( XXXX ) days to investigate ALL or remove ALL inaccurate information! Yet they have failed to. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I have records of past correspondence I have maintained a careful record of my communications, please see certified mail receipts and letters mailed to Experian, XXXX, and XXXX starting XX/XX/XXXX! I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( C.D.cal. XXXX XXXX, XXXX ), they may be liable for willful non-compliance.
Product: Mortgage

Numerous attempts have been made with Freedom Mortgage to remove XXXX. Attached you will find my appraisal report for my home. According to law, XXXX can be requested to be removed in writing. I have made the request several times in writing and over the phone. I followed the below steps with attempting to remove XXXX with them because I have reached the date when the principal balance of my mortgage has fallen to 80 percent of the original value of your home. 

I made the request in writing. 
I have a good payment history and be current on payments. 
There are no junior liens ( such as a second mortgage ) on my home. 
Evidence ( for example, an appraisal ) that the value of my property hasnt declined below the original value of the home. 

Thank you
Product: Credit card or prepaid card

Bank of America had a credit card sign-up bonus of {$300.00} after {$3000.00} spent in 90 days. 

I surpassed the {$3000.00} spend limit and never received the {$300.00}. Please see attached statements. 

I called the number XXXX on the back of my credit card on XX/XX/2022, and the Bank of America customer service agent confirmed with me that I had surpassed the {$3000.00} spend requirement, and she said the {$300.00} would post within 30 days. 

I called the number XXXX on the back of my credit card on XX/XX/2022, and the Bank of America customer service agent confirmed with me that I had surpassed the {$3000.00} spend requirement. He said that Bank of America would call me or send me an email within XXXX business days. I never received a call nor email. 

XXXX different customer service agents told me/confirmed I surpassed the {$3000.00} spend threshold within 90 days and I would receive the {$300.00} bonus. 

On XX/XX/2022, I received a mailed letter from Bank of America that said I did not surpass the {$3000.00} spend requirement within 90 days.
Product: Mortgage

I purchased a home in XXXX of XXXX. We financed using a local XXXX XXXX XXXX   division recommended by our agent. We were told that our loan would eventually be transferred to a new provider but to make payments over the phone to the local branch in the interim which we did from the time of closing through XX/XX/XXXX. I paid the mortgage for XXXX and XX/XX/XXXX on XXXX via credit card as I have done for the past 8 months. I received a notice in the mail saying my account had been transferred to a new provider and was given a new loan number, as well as notices from the new provider ( Dovenmuehle Mortgage Inc ) that I owed over {$3000.00} for the months of XXXX and XXXX which had already been paid. I contacted Dovenmuehle Mortgage Inc with the number provided on the notice and was told to email a general customer service inbox with copies of the receipts so that they could " locate where the money went ''. I sent the email 5 days ago and have still recieved no response, and have gotten more notices saying I now owe late fees for an account I paid far ahead of time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX. THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA SECTION 605B THAT YOU EQUIFAX CREDIT REPORTING AGENCIES, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF RECEIVING THIS COMPLAINT. THIS FRAUDULENT, FALSE, AND INACCURATE INFORMATION CONSIST OF OF XXXX PERSONAL LOAN ACCOUNTS OPENED AT XXXX XXXX XXXX ON XX/XX/XXXX AND XX/XX/XXXX UNDER THE ACCOUNT NUMBER XXXX PERSONAL CREDIT CARD ACCOUNT OPENED AT XXXX XXXX XXXX XXXX XX/XX/XXXX UNDER THE ACCOUNT NUMBER XXXX. THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER XXXX CREDIT REPORT. I DO NOT RECOGNIZE THESE ACCOUNTS AS REPORTED ON MY CONSUMER CREDIT REPORT BY YOU, WERE NOT OPENED, MADE, OR INITIATED BY ME. ALL OF THE AFOREMENTIONED ACCOUNTS, COLLECTIONS, AND HARD INQUIRIES ARE THE RESULT OF IDENTITY THEFT AND FRAUD. I HAVE ATTACHED A COPY OF FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PRROF FROM THE US FEDERAL TRADE COMMISSION THAT ALL OF THE AFOREMENTIONED CONSUMER CREDIT ACCOUNTS, COLLECTIONS, AND HARDINQUIRIES ARE THE RESULT OF IDENTITY THEFT AND FRAUD.
Product: Debt collection

I sent Cavalry Portfolio a dispute letter dated XX/XX/18 via XXXX certified mail for an alleged outstanding debt in the amount of {$750.00}. It was delivered to them and signed for on XX/XX/18. In my dispute I clearly ask for verification of any signed document by me that says I agree to pay or owe Cavalry Portfolio any outstanding debt. I have never spoken to any one from this company or made any kind of arrangement of payment to them. This is not a valid debt that I owe and I'm asking for copies of signed documents, bearing my signature to this account. Cavalry Portfolio has not provided that. What they sent me was a letter dated XX/XX/XXXX, which states they recieved my dispute and not even a copy of a bill ... but a statement showing final charge-off numbers. 

I followed that up with another certified letter dated XX/XX/18 that was signed for them on XX/XX/18. In this letter I continue to state they have not provided me with the signed account documentation I requested. My letter clearly states per FTC opinion letter from XXXX  XXXX XXXX a copy of a bill is not verification. I want the names and contact information of anyone Cavalry Portfolio claims has verified this alleged debt. They responded by letter dated XX/XX/18 by resubmitting the same copy of charge-off figures. Obviously Cavalry Portfolio doesn't have any documents to verify this alleged debt they say I owe them, and are just stalling hoping I will go away. In my XXXX letter I said that I would contact this agency and make you aware of their tatics. If this account isn't immendiately deleted from my credit report, with all credit report agencies, and also not sold to another collection agency my next step will be court action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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. 



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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. XXXX, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

According to the 15 U.S.C 1681 section 602A. states I have the right to privacy.

These addresses and incorrect spellings of my name do not belong on my credit report. 

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 XXXXXXXX
Product: Credit reporting

As a XXXX customer, my personal information was involved in a data breach at Experian. As a result of said breach, Experian offered a lifetime of credit monitoring through it 's subsidiary, XXXX. I signed up for this offer for my personal data being breached in XXXX 2015. I was given the following Experian XXXX Number : Experian 's XXXX Customer Number : XXXX Upon opening the account, I was given access to my Experian credit report and alleged activation of monitoring services was required for me to set up. 

XXXX XXXX, 2015 I signed into my XXXX account and was surprised to see that the credit report I pulled in XXXX was deleted, showing in my account as " No credit report available '' although I pulled it in XXXX 2015 and in my archived credit reports section it shows " no credit reports archived '' although I had XXXX pulled in XXXX 2015. 

Experian left a customer service phone number of XXXX, but it only lead to pre recorded messages. I then noted that another number flash XXXX XXXX XXXX which disappeared. I called that number and reached a Experian person that stated they delete the credit reports from pulls and archives after 30 days and I can buy a new XXXX for {$9.00} from them. 
I was shocked to hear this as I am entitled to my previously pulled credit report. She ( XXXX customer representative ) stated I was not and I requested a supervisor. 
The supervisor said they delete all reports after 30 days although there is a archived section on my account. It appears this not available to consumers effected by the Experian/ XXXX breach and they are trying to upsell me furthering effecting me due to this breach. I asked the supervisor how I can get my previous XXXX report and I was told that I could go to free annual credit report or buy a report from them. 
I stated they were breaking several of the FCRA laws and I was hung up on.
Product: Credit card

I contacted chase credit card company to dispute a transaction and they first told me that I will have no problem disputing the transaction with the proof that I had and would be able to recieve a refund. I then called backed because I received a letter saying my dispute was closed. I asked them why my dispute was closed and they said that I rendered the service. I proceed to explain that the product/service I paid for was not as described and was damaged. Under my terms and conditions with my credit card company and with fair credit billing act that I have ever right to dispute the transaction. The merchant that I was disputing the transaction with has continued to ignore me and not respond. My contract that I signed before staying in the vacation rental was that they would relocate us or give us a full refund. My credit card company tells me I have to go after the merchant that I can't dispute the transaction. There was mold in the home causing our family to get sick. I have ever right to dispute a transaction that I'm dissatisfied with. The credit card company wasn't even asking for evidence to support my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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
Product: Credit card

Recently I XXXX XXXX applied for an FEB/DESTINY credit card and was denied an extension of credit by FEB/DESTINY. On XXXX XXXX, I applied for a FEB/DESTINY credit card. As you may be aware, it os against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ) XXXX and XXXX XXXX has violated my federally protected rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Product: Checking or savings account

On XX/XX/2023, while on vacation in XXXX XXXX via the XXXX XXXX, XXXX was charged to my debit card by XXXX XXXX & XXXX ( which after investigating the location of this restaurant was determined to be located in XXXX XXXX ( 16-20 hours away from XXXX XXXX XXXX XXXX XXXX XXXX ) where the ship docked as our 2nd port of call. ) I notified Fifth Third Bank within 45 minutes of seeing the transaction post to my account since I receive email alerts of all account transactions. When I tried using my debit card at the port in a small shop called XXXX XXXX XXXX, I was told that my transaction was declined. I called Fifth Third Bank at XXXX to ask if there was a block on my card since I am from XXXX, but was travelling internationally. They said that I should be able to use my card but I did not swipe my card at any other location while at the port. This restaurant does not even have a location at the port nor was it possible to travel there during the 8 hours that our ship was docked. I have presented Fifth Third Bank with my travel XXXX, XXXX stamped photos of me in XXXX XXXX with the fact that they have recorded calls from me in XXXX XXXX to resolve this and reporting this issue while it was a pending transaction. I was given the phone number of XXXX from a Fifth Third Bank disputes team manager and the number is not even valid. This should have been an open and shut case of fraud, but the Bank will not give me my money back. I have no way of reaching out to XXXX. My issue is with my bank and its failed investigation and tge resulting hardship this has caused me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions