23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Was the CEMENTING done on XXXX?? The answer is NO and i dare you to keep contradicting this when XXXX XXXX isn't claiming this. 

You can see XXXX XXXX 's statement in the Lab Case : " Patient called our office and emailed us that he found another office... the reserved operatory stay opened for him untill his time expired ''. 

The scheduled date for the cementing of the crown was XXXX but i canceled the appointment on XXXX after XXXX XXXX insisted on mixing porcelain with the material , contrary to what i ordered on XXXX. 

On XXXX, i went to XXXX XXXX to resolve this matter but instead, they handed me the crown-package AS IF I'M A XXXX WHO CAN CEMENT THIS INTO MY MOUTH. 
IS THIS THE SERVICE YOU ARE CLAIMING WAS DONE?? What service are you claiming was done?? which i paid {$1800.00} for at XXXX XXXX XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CONTINUES TO REPORT INCORRECT INFORMATRION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND THIS IS A REAL ISSUE.

1. XXXX XXXX XXXX IS NOT MY ACCOUNT # XXXX ON MY CONSUMER CREDIT REPORT XX/XX/2017 : MY CONSUMER STATMENT SAID THIS ACCOUNT WAS DISCHARGED IN BANKRUPTCY XXXX,XXXX OR XXXX? ( EXCIBIT A ) 2.XXXX XXXX ; ACCOUNT # XXXX STATED I ALSO FILED CHATER XXXX,XXXX BANKRUPTCY REFER TO EXCIBIT ( B ) 3. XXXX/XXXX # XXXX  ... NOT MY ACCOUNT VICTIM OF ID THEFT NOT MY ACCOUNT 4.XXXX XXXX # XXXX I NEVER STATED ANY SUCH THING ABOUT FAULTY MERCHANDUISE.

5.XXXX XXXX XXXX XXXX ... XXXX FRAUD ACCOUNT XXXX  IS MAKING FALE STATMENTS THESE ACCOUNTS DO NOT BELONG TO ME.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX TODAYS DATE XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAMXXXX XXXX XXXX XXXX  FINANCIAL ACCOUNT # : XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 )
Product: Credit card or prepaid card

Barclays XXXX XXXX XXXX has implemented a fix company policy where it manipulates the amount of revenue the company can generate in card fees by developing a systemic policy that refuses to let card holders downgrade their card to one with a lesser fee when usage has been modified even after the Barclays company reduces the credit line on their own accord, ensuring that Barclays can continue to generate a significant amount of revenue by charging the same cardholder fees to the holder even if Barclays elects to reduce the card holder credit lines both negatively affecting the card holder 's credit rating by decreasing their line of credit and charging the cardholders more fees for less services. I have contacted Barclays every 3 months for 26 months and requested that I be allowed to revert my card back to the original card with a {$99.00} fee and have been told " I am sorry sir, that offer is not available for you at this time. '' When I questioned the representative further they stated that they have never seen that " offer '' available to anyone at anytime since they worked there. Instead of allowing you to downgrade your card, Barclays tries to enforce a fixed policy where you have to reapply for a " new card '' and take an additional negative impact on your credit score, when you already have an open and available line of credit, in an unscrupulous business practice that ensures the company a set amount of generate income at the detriment to consumers credit scores.
Product: Credit reporting or other personal consumer reports

I have been trying to login to the online account I have created for Equifax and have not been able to do so, despite trying at least once per day over the last week. I have tried both changing my password and contacting Customer Service but still receive this message when trying to login : We are temporarily unable to complete this request. Please try again later. I spoke with a Customer Service agent about XXXX days ago, and after waiting on hold for approximately XXXX hour, the agent was unable to give me an approximate window of time in which I could access my account again. She said there was no login freeze on my account but that they were upgrading systems, which I do not believe to be true, as the website is fully functional and I can complete all steps to login.
Product: Debt collection

suggesting to damage my credit by reporting to the creditors without allotting the 6 month window to dispute the transaction and then reporting to the creditors when medical debt under {$500.00} per Consumer Financial Protection Bureau should not be reported.
Product: Student loan

I was a first time XXXX student. I was offered a private student loan with " similar terms '' to a federal student loan. What was not clearly explained is this loan included compounding interest, not simple interest. And, that there were major restrictions on deferment and forbearance options. Therefore, when I was in school finishing my degree. And, later earning my XXXX, this loan would not defer and had no forbearance options. For a new XXXX student, the loan documents and language were too complex. The ramifications were devastating : An $ 30k loan that doubled to almost $ 60k, then went into default while I was still in school XXXX.
Product: Credit card or prepaid card

I used my Citibank credit card on an order I placed on the XXXX website in XX/XX/XXXX. Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I went ahead and canceled the order and deleted the credit card from XXXX 's website the same day so that XXXX would not charge the credit card. 

As a precautionary measure, I locked the Citibank credit card through Citibank 's online banking website as well, because I had heard XXXX engages in deceptive marketing tactics. Citibank processed the unauthorized transaction after I had deleted the card from XXXX 's website. That is an abuse of my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen last year when someone broken into my vehicle ( police report number and FTC identity theft report attached ), US Bank and XXXX XXXX XXXX applied inquiries to my credit report that is fraudulent and unauthorized I did not apply for a loan with US Bank or XXXX XXXX XXXX in any form or fashion. I contacted US Bank and XXXX XXXX XXXX and informed them of these fraudulent inquiries showing on my credit report and they have failed to remove the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this  may  concern, I write this complaint to seek clarification regarding information reported to my Equifax credit report. Quite illogically, my Equifax credit report is reporting what appear to be identical records on multiple occasions - artificially inflating the number of credit accounts on my credit report.     Specifically, as can be seen in the attached document, accounts with the   XXXX   XXXX   XXXX  / XXXX  and   XXXX   XXXX   XXXX   XXXX   are reported in what appears to be a duplicate fashion. Which, notwithstanding other potential problems, constitutes a violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

Loan Reporting and Request for Removal Dear Experian Dispute Department, I am writing to formally dispute the reporting of student loan accounts associated with XXXX and Advantage on my credit report. These accounts are inaccurate and unenforceable due to severe legal violations involving breaches of privacy and federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of XXXX, and the Higher Education Act.

It has come to my attention that my personal information associated with these loans was improperly accessed by unauthorized third parties, including XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a breach of my privacy rights and voids the validity of these debts. 
Disputed Accounts : [ List account numbers and loan servicers, if available ] Legal Basis for Removal : 1. FERPA Violation : The improper handling and unauthorized disclosure of my educational and financial records violated FERPA regulations, which protect the privacy of student loan borrowers.

2. Privacy Act of XXXX  Violation : The exposure of my personal information contravenes the protections guaranteed under the Privacy Act, requiring federal contractors and loan servicers to safeguard borrower information.

3. Breach of the Higher Education Act : The mishandling of my student loan information and unauthorized transfer without proper consent breached federal obligations to maintain the integrity of educational loan servicing. 
Given these violations, the continued reporting of these accounts is inaccurate and harmful to my credit profile. 
Requested Resolution : I formally request that Experian : 1. Immediately remove all references to these student loan accounts from my credit report.

2. Provide written confirmation of the removal within 30 days. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to these credit bureaus multiple times, they do not respond nor do they investigate. It has been over 30 days I started disputing back in XXXX on the XXXX to be exact. I have not seen any changes or removal of the incorrect information reported. At this point they have to had broken some law by continuing to report incorrect information and not even investigate it!
Product: Debt collection

I have a student loan held by XXXX XXXX which until recently has been serviced by XXXX XXXX. With the merger of XXXX XXXX and Nelnet, management of my loan was released to XXXX XXXX. Within a month of the transition XXXX permanently raised my monthly payment without explanation or disclosure of the financial impact. I contacted XXXX for explanation of the change and full disclosure of adjusted terms of the loan. Customer service was only able to suggest that there had been an interest rate change which XXXX XXXX had for some reason chosen not to process which would now be applied by XXXX. No disclosure of the impact of this change, either monthly or in the life of the loan, was offered or provided. This is basic information. It is very clear that XXXX would prefer to raise rates without explanation and at their own discretion.
Product: Checking or savings account

Navy Federal is constantly taking money from my savings to my checking 's to clear a transaction instead of declining that transaction. Navy Ferdral has been doing this to me since XXXX. I called and they said they can do that because I have the funds in my other account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account with TransUnion Dear CFPB, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details Account Name : XXXX  Account Number : XXXX Despite multiple requests for correction, including dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored, and the erroneous information remains unchanged on my credit report. This lack of action violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of Errors and Discrepancies : Late payments are incorrectly reported for the following periods : TransUnion : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The discrepancies include inconsistent dates of activity, reporting, and late payment histories. 
The account has been verified multiple times, yet the inaccuracies persist without correction.

FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. In my case, this responsibility has not been upheld.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the corrections made.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. Please address this matter with the urgency it requires and ensure compliance with federal laws to protect consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX My name is XXXX XXXX XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. Please remove the following addresses from my credit report they are not accurate please remove delete ASAP : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX i HAVE NEVER USED ANY SOCIAL SECURITY NUMBER ENDING XXXX PLEASE DELETE IT FROM MY CREDIT FILE. THE FOLLOWING NUMBERS ARE NOT MINE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I DO NOT WORK FOR ANY OF THESE COMPANIES ERRORS PLEASE DELETE : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A security freeze was placed on my LexisNexis report on XX/XX/2020. I also placed a freeze on my XXXX XXXX XXXX XXXX report on XX/XX/2020. I do have verification for these freezes if needed. LexisNexis has continued to verify personal information reporting to my credit report post-freeze. I have letters from XXXX ( XX/XX/2020 ), XXXX  ( XX/XX/2020 ), and XXXX  ( XX/XX/2020 ) stating that public records on my report were verified using LexisNexis. I received a letter from the courthouse stating that they do not sell or report public records concerning bankruptcy filings to any third party agencies or credit bureaus. The reporting from the three major bureaus do not match one another as they are required to. I have disputed the inaccuracy of the reporting and nothing has changed. The court names are incorrect, the filing dates do not match and they are incorrect, the reference numbers are all different. I have disputed this information with XXXX, XXXX  and XXXX multiple times and the information comes back verified each time with the same response : " obtained through a third party vendor LexisNexis Risk Data Management Inc. ''. I know that the law states that the bureaus are required to report all accurate information on consumer reports, and that has not been the case for me. I am aware that data obtained for a consumer report must be validated through the original furnisher and the original furnisher stated in writing that they do not share info with 3rd parties.
Product: Checking or savings account

I received a statement from BMO for an account I did not open. I immediately called them ( XX/XX/XXXX ) and asked them to closed the account. They assured me all accounts would be closed. On XX/XX/2024, I received another statement. I called again and they would not tell me if the account was open or closed or any other information about the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, last four social - XXXX XXXX. I am a victim if XXXX XXXXXXXX and identity theft. XXXX, XXXX had a breach where my social was obtained. Someone fraudently filed taxes in my name. I never had to file taxes because I am a Veteran with a 100 % service connected XXXX and I recieve compensation. I never applied to these companies or their creditors. 

I also have a fraud account with XXXX XXXX. I did not apply for this. Please help me in investigating these fradgenlent actions against my credit report. 

XXXX is a collector for XXXX XX/XX/XXXX for XXXX dollars. XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX dollars. 

XXXX  XXXX XXXX / XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/ XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I contacted PayPal about a seller named XXXX XXXX who runs a company called XXXX. The items were on a payment plan and PayPal has the invoice as it was created using their system. In XXXX of XXXX I sent XXXX a message stating that I needed her to send some of my items since I paid well over {$5000.00} ( it was crystals ). She stated that I needed to pay the entire balance before she sent me any of the crystals. I told her that thats not right and she combined the invoices to make one invoice. She stated that she would get back to me about the shipping costs. In XXXX of XXXX I reached out to XXXX XXXX and told her to send me the shipping invoice for the crystals by XX/XX/XXXX. She didnt send it. 

In mid XXXX she sends me a message and says that she is being kicked out XXXX and needs me to pay for shipping by XX/XX/XXXX. I told XXXX XXXX that I told her to get back to me by XX/XX/XXXX as that is when my check comes. I also told her that I needed additional time as my military pension is paid at the end of the month. XXXX refused to to refund me and refused to ship my items. She kept over {$5400.00}. She scammed me. 

I reached out to PayPal and they told me that since it was over 180 days they will not return ny money. Even though they have received multiple complaints about this seller and her non shipping. This was XXXX. In the case of XXXX they should refund me my money. PayPal instructed me to sue her. I can not Sue an overseas person. I live in the United States. 

Furthermore XXXX XXXX also lied. She never left XXXX as she said she was and her last shipping date was XX/XX/XXXX. She had ample time to allow me to pay for shipping. However XXXX XXXX resold my items on XXXX and kept my money. 

PayPal also lied. They returned other peoples money far beyond the 180 days and I have evidence of that. When I alerted them they told me that they can not discuss other accounts with me. However it is clear bias as I was scammed by a customer. That is wire XXXX
Product: Vehicle loan or lease

I filed a chapter XXXX bankruptcy on the XXXX XX/XX/2018 and got a discharge on XX/XX/XXXX, throughout the discharge proceeding I was getting calls and letters from this company and constantly harassing me about repossessing the vehicle the entire time, they have someone calling me about picking up the vehicle every day, which I did, even after I got the discharge Im still getting letters and calls from this company saying I have a balance, and it still showing on my credit report as a open account with a balance. Ive gotten so much letters like the envelope I attached about repossessing the vehicle even after I handed over the vehicle to the recovery company they have harassing me.
Product: Debt collection

I am receiving calls from Sunset Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA. They are calling for XXXX XXXX. I have no idea who this person is. I have had this number for almost 2 years. I have advised them on multiple occasions that I do not know this person. They informed me on XX/XX/XXXX that they can continue to call me. I have complained with FCC, on social media, their website and now here. I have been on the Do Not Call registry since XX/XX/XXXX. I have never done business with this company and I have no outstanding debt. The number they are calling from is XXXX. The number they continue to call is XXXX.
Product: Checking or savings account

SUPER-Disappointed in GS Marcus ' Customer Service! I've banked with Marcus since it opened ... and, now it's " exited '' providing Customer Service! 

My XXXX CD was auto-renewed for an XXXX period, which is XXXX below the XXXX rate! The Bank that claims to be " a complete digital experience and can open your CD in minutes '' sends me a " Congratulatory Email '' on my CD renewal, XXXX AFTER the XXXX Grace Period ... Evidently, technology prevents sending an email during the XXXX Grace Period. 

A XXXX call to Customer Service XXXX approx XXXX XXXX on hold to research digital records ) yielded a response of " you're outside the XXXX Grace Period and our Back Office researched this matter... There is nothing we can do... we can't switch you to a XXXX CD... But, you can pay a {$520.00} penalty fee ( which represented the interest for each day prior to cancelling the CD ) and we'll be happy to cancel your CD ''. 

Also, my question re : Why was my CD renewed for XXXX, as opposed to a XXXX was responded as " that's our decision and our Back Office has confirmed , No Changes... but, you can pay a {$520.00} Penalty to exit '' ... .When I asked for a Telephone number to escalate and file a complaint, I received an apology that no such number is available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was paid off in XXXX. I had no more payments for this account to be delinquent 30 days. I took out another loan which you only can do once a loan is paid off. I made numerous attempts to call this company through there maze of confusion with there phone system. I finally made contact received a email confirming this account was settled.