23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

There was an error with the AMEX app on XX/XX/XXXX. I keep my credit card balance to XXXX DAILY meaning, I calculate and cross check to see that each transaction matches each payment. When the system went down on XX/XX/XXXX, I was charged XXXX times for the same payment. I was reimbursed for XXXX, but the other XXXX was taken out of my bank. That's fine but that additional duplicate payment WAS ( IS ) not reflected on my current statement. I therefore am being overcharged for XXXX  that was taken out of my bank account without my permission. No one has gotten back to me yet about this. It's very easy to cross check my credit card payments to my transactions. This is a human error and can easily be reviewed to see that they are charging me more than I paid for. This has never happened to me with any other company. It happened because of a system outage and now I have wasted so much time and energy to figure out what happened. No apologies yet either. If I hadn't checked one by one, I would've paid more than I needed to. I don't trust AMEX now because I feel this could've happened to me before but I just was too busy to keep track of it. This would've also gone unnoticed if I had to pay every month 's statement in full. Luckily I pay by transaction so I can see what exactly I'm paying for.
Product: Student loan

School : XXXX XXXX University - XXXX GANavient is refusing to reverse late fees they charged on my account when they erroneously reported me as delinquent despite me faxing/emailing my school enrollment confirmation. However, they reversed the delinquent charges but refuse to reverse late payments fees. I have always been in graduate school and have never withdrawn or taken a break and Navient have the documentation to support this.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the recent denial of credit extended to me as a consumer. As per the regulations outlined in UCC 1681a and the Bill of Exchange Act, such denial goes against the Truth in Lending Act and raises serious questions about fair and transparent lending practices.

I wish to highlight that as a consumer, I have the right to credit as per the provisions of the Bill of Exchange Act. It is imperative that you adhere to the legal framework governing credit transactions and ensure that my rights are respected in this regard. 

I am deeply troubled by the denial of credit and the lack of proper justification provided for this decision. It is my firm belief that I am entitled to receive the necessary information and explanation regarding the denial, in accordance with the provisions of UCC 1681a and the Bill of Exchange Act.

I urge you to promptly investigate this matter and provide me with the required documentation and details related to the credit denial. You have a period of ten days to respond and resolve this credit transaction in compliance with the relevant laws and regulations.

Furthermore, I request that you resolve this matter by promptly sending me the perks or benefits that were promised to me as part of the transaction that took place. It is imperative that you honor your commitments and fulfill the terms of the agreement made with me as a consumer. 

I expect a swift and satisfactory resolution to this matter, and I trust that you will take the necessary actions to address this issue promptly. Failure to comply with the regulations outlined in UCC 1681a and the Bill of Exchange Act will result in further escalation of this matter through legal channels.

Thank you for your attention to this urgent issue, and I look forward to receiving a prompt response from you within the stipulated timeframe.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with a matter regarding my personal information on my credit profile. Despite my efforts to work directly with the credit bureaus, they have not made the requested updates to my personal information.I have attempted to correct the following information : Name : Requesting correction to my full legal name, XXXX XXXX. 

Date of Birth : Requesting update to reflect my correct birthdate, XX/XX/1995. 

Address : Requesting removal of all other addresses and confirmation of only my current address on file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Phone Number : Requesting update to reflect only my correct phone number, XXXX, and the removal of all other numbers on file. 

Despite multiple attempts to provide verification of this information, the credit bureau has not updated these inaccuracies on my report, impacting my ability to use and maintain my credit file accurately. I am requesting that the CFPB intervene to facilitate the necessary updates to my credit profile. 

Thank you for your attention to this matter. If additional documentation is required, I am available to provide further verification as needed. 

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

This letter complements my lawful and rightful consumer compte rendu of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this notice constitutes my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately made a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! 
Sir/Maam, I am writing you with this formal complaint and a call for swift action on your part. You are non-compliantly reporting wrongly to the main three credit reporting repositories and damaging my credit. You are in violation of the FCRA aka the Fair Credit Reporting Act. The violations can be subject to fines and damages. I am providing you but this one last opportunity for resolution of this reported item. Previously, I had sent you a letter advising you that you were carelessly reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to ensure only compliant information is retained on my file. Due to your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it implies that my mailed note was shockingly disregarded.
Product: Credit reporting or other personal consumer reports

I need your support with the incorrect account appearing on my credit report. This matter has harmed my reputation, and I am requesting your help to fix it. The mismanagement of my credit report has put me in a tough spot, and my reputation has suffered. You are required to eliminate the incorrect details from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove the security freeze off of equifax for 30 days. I'm so tired of these foreign people. I've sent in passport, drivers license and utility bill and they keep giving me the run around. Talking about I have a mixed file. I have no issues with XXXX  or XXXX. I just moved and updated my address with all 3 credit bureaus and sent in all documents. I will also attach documents along with this complaint. I keep getting hung up on when I call. So I want to file a complaint and if this doesnt get resolved. I will file a law suit against Equifax.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Code XXXX - Protection of nonpublic personal information XXXX XXXX Notes XXXX | next ( a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX ( a ) of this title, other than the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
( XXXX. XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; XXXX. XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX. ) XXXX XXXX XXXX XXXX about... Articles from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How current is this? 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 Balance : {$560.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

In XX/XX/XXXX  I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR following accounts XXXX** XXXX** XXXX**  DEBTS I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND  I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT  I am citizen of the unites states of age, would like to make a complaint against operating credit debt collection agency XXXX XXXX XXXX who apparently does not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the (FCRA) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615(f), 623(a)(6).
Product: Credit reporting or other personal consumer reports

Pleases see attached documents. Do not close this complaint stati ng it is not me. I am a natural person and a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( Saturday ) my husband and I applied for a Mortgage consideration securely through NavyFederalCU. This was in an authenticated experience. This application did not included a corporate number of XXXX. On XX/XX/XXXX ( Monday ) beginning at XXXX - XXXX I received 75 phone calls where people are claiming to be mortgage wholesalers and claiming that NavyFederal and XXXX provided them with my information. They were calling on a number that was not disclosed on my mortgage application so I am unsure of where they would have received my information. These calls where borderline harassment as the sales representatives on these calls took strong attempts to keep me on the line. 

I called NavyFederalCU they assured me it was not their mistake. 
I spoke with XXXX, and they assured me it was not their mistake. 
I spoke with XXXX and their customer care team transferred me to the business solutions team as my credit bureau reflected that was the source of the pull. I requested to speak with a supervisor and was denied because I was a customer and did not have a business solutions number. I attempted to call NavyFederalCU again and get a supervisor and the agent told me there was not one available. Provided me a number to a supervisor who was not available. I asked to speak with one that was free and my call was disconnected. 

I feel like there is an issue with XXXX XXXX XXXX, and these 75 calls that were unsolicited to a number that was not used in my application with NavyFederal. As a consumer I am fearful of what other details these 75 organization or more received about me. These behaviors should be shut down immediately.
Product: Debt collection

I had a XXXX phone service for less than 2 weeks in XX/XX/XXXX. I cancelled it. XXXX said I have a XXXX  balance. One month later a collection agency sends an email to me stating that I owe them {$83.00}. I called the collection agency and they said they had no idea why I would have a bill. They told me to call XXXX. XXXX took several transfer calls to reach a manager. They said I have no bill and it will go away. So I called the collection agency and notified them that I spoke with XXXX and there is no balance. The next month comes and I receive another email bill. I did the same thing all over again. On XX/XX/XXXX I received an email from XXXX that I have a credit due back to me of {$15.00}. XX/XX/XXXX I received an email from the collection agency saying that I still owe the {$83.00}. So I called them again and they said it is a timing thing and there is no balance. I told them I have spoken with them over 4 times on the phone over the course of several months and I want to file a complaint. They would not give me their address. They said they will note my account that I am upset with them. The collection agency is MRS Associates of New Jersey is a trade name of MRS BPO, L.L.C. 
( XXXX ) XXXX. Please have them stop harassing me.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit 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 consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of under account number XXXX that appears related to the aforementioned personal credit card account opened at XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained 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 proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am griteing to disputed accounts on my credit report that were whithout my consent. According to section 604 of THE FAIR CREDIT REPORTING to section ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching FTC Report Number : XXXX to this communication to further support my complaint and provide additional evidence relevant to the matter. This report contains critical information that substantiates my claims and highlights the need for a thorough review and investigation of this case. I appreciate your prompt attention and resolution of this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX I called XXXX XXXX today to find out why the debts were not being addressed and was told that XXXX XXXXXXXX XXXX XXXX involved in litigation and that nothing was being done until the litigation was resolved. 
On XX/XX/year>, I started a debt relief program with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I agreed to have them settle XXXX accounts and started paying them a monthly amount to fund an account that would be used to settle the debts. The monthly amount is {$710.00}. As of today, I have paid {$9200.00} into that account. Of that amount, {$6200.00} has gone to fees. 
Only XXXX of the debts has been negotiated for settlement and that dept has been paid {$75.00} I need to know what to do to try and get back the fees paid to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im seeing multiple things on my credit report that I didnt authorize
Product: Debt collection

Midland Funding is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. 

I decided to go and do research through the XXXX ( Texas ) as of XXXX XXXX, 2017 XXXX XXXX XXXX Midland Funding does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section XXXX of the Texas XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 



( Please Go And Verify The Above Fact Regarding Their Bonding Status Is True With The XXXX In Texas )
Product: Checking or savings account

On XX/XX/XXXX i had received a text message from my bank, Wells Fargo, asking to approve spending {$500.00}, i immediately responded, denying the allegation and stating it was fraud. on XX/XX/XXXX the charge posted to my account to when i called wells fargo to dispute the charge. once i got ahold of the fraud department they decided to tell me they denied my fraud because my card was inserted and my pin was used. which was incorrect because my card was at my house with me. i then went to my local branch where i had the XXXX AND regional XXXX working with me and contacted the fraud side of wells fargo again, yet again to no avail. so i took it into my own hands to go down to the XX/XX/XXXX convenience store where the charge came from to ask for the receipt and then the camera footage following the day and time stamp on the receipt. we received the camera footage to have found a man over XXXX foot XXXX and well over XXXX pounds wearing a hoodie sweatshirt with the hoodie on and wearing a face mask, go and purchase a {$500.00} prepaid card with a fake duplicate card of mine. we then took this evidence back to wells fargo and sent everything in, and again to them to not approving the fraud and stating it was me. i am a XXXX foot XXXX tall woman weighing XXXX pounds, not a male over XXXX foot XXXX weighing easily over XXXX pounds. i am devastated as i have been with this bank for over XXXX years. i have uploaded a photo of the transaction. i have a video of the entire transaction but the file is bigger than what your system allows me to upload. if i can email it or send it another way i would love too.
Product: Credit reporting, credit repair services, or other personal consumer reports

i only havd this card for 1 year, made monthly payments on time XX/XX/XXXX my account on my credit report was closed XXXX and reported a 30 day late payment if you look at my records i called in times this month to make a payment it was not being be received by your company. my bank account was not blocking any payments
Product: Credit card

I purchased a homeowner 's warranty using my BarclayCard XXXX. When I attempted to make a claim against the warranty for a broken washing machine. After two weeks of phone calls and telephone calls to the company, XXXX XXXX XXXX has yet to repair or replace the covered appliance. As a result I submitted in writing a demand for the full refund of the purchase price for the warranty be credited back to the credit card I used to purchase the warranty. To date there has been nor response. I contacted BarclayCard and submitted a dispute for the full. I also faxed over the requested documentation the needed. After 11 phone calls to customer service, my account has yet to reflect the provisional credit amount which means BarclayCard is still charging me interest on that amount. When I call they refuse to allow me to speak directly with the person handling the dispute and have claimed that someone will call me within 48 hrs.
Product: Credit reporting or other personal consumer reports

I would like to dispute the bankruptcy currently listed on my credit report, as its presence is significantly affecting my credit score and financial standing. This negative entry is creating challenges for me in securing loans, credit, or other financial opportunities. I believe there may be inaccuracies or issues related to this record that need to be addressed, and I would appreciate assistance in verifying and resolving this matter promptly.