23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX I called care credit to inquire about " card security '' fees. I signed up for care credit in XXXX and never have authorized this card security fee. I asked the representative on the phone if she could pull to where I signed up for this with an written authorization and signature and she said I signed up for it online on XXXX with my application however I do not recall this. 

I noticed it today because my autopay is on and I signed in and my amount charged for services has NOT gone down because of these fees! Every month I am paying and it is not doing anything because of this card security fee I did NOT sign up for! 

The representative said she could cancel the card security fee immediately and issue a refund of {$150.00} however there are over {$600.00} in these card security fees spanning XXXX as XXXX I had {$320.00} and for XXXX {$13.00}. She said they were only able to refund the {$150.00} and that I couldnt do anything more to request the full amount to be refunded. I am unable to see the XXXX fees because my statements do not go that far back. This does not help all the other months of charges that were wrongfully charged and scammed me I asked if she could escalate this to get these fees refunded and removed. I am officially making a complaint because this company did not get my authorization to sign up for the card security fee via a signed signature or written statement. If I had not logged in to check i would have never noticed. This is a scam and I do know this company has lawsuits regarding this. I want the full amount refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

5 USC 1605 defines a Finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but, name of corporation, took cash. The finance charge is suppose to include insurance but these accounts made me purchase insurance separately. Also Account violated me under the FCRA 15 USC 1681. 
Consumer right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX, XXXX # XXXX XXXX XXXX # XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I upgraded to my amex platinum card from Amex greencard when there is a promotion of XXXX points when I spend XXXX $ on the first three months last year. I spent more than 10000 $ on this card. I was charged the annual fee difference ( from green to platinum ) on the following months in 2018. When I was charged for the annual fee of XXXX $ at the end of XX/XX/XXXX, I thought I was in the second year, I could not afford it any more. So I called to raise my concern. I was offered either keeping my card and spend XXXX $ in three months, I will get extra XXXX points, or I downgrade to another great card, " Amex gold rewards card ''. I selected the second option. 

And today, I found that my XXXX membership rewards points were removed from my card because that I closed my account within 12 months. After I talk to customer service and membership rewards, I just become aware of this term and condition. I feel so sad, yes, The confusion regarding how Amex count the calendar year mislead me to downgrade my card, However, the customer service agent did not remind me when I downgrade my card, otherwise, I will reconsider. 

As a customer for 15 years with Amex, I hope Amex could find a solution for my case and credit my XXXX points.
Product: Credit card or prepaid card

On XX/XX/XXXX I used the services of XXXX XXXX XXXX XXXXXXXX XXXX. As per the early bird special they posted, they told me it would be {$20.00} which is the rate I have been using with them and is reflected as such in other receipts and on my credit card statement. However they inputted and swiped my card {$2000.00}, an impossible amount based on their rates and hours, after the fact that I was told {$20.00}. After talking with XXXX XXXX, I was given the merchant receipt of the {$2000.00} and was told they can not refund me and to go dispute it with Capital One. I was not given anything other documents after asking. After submitting a dispute case for {$1900.00} back, Capital One has closed my dispute case 3 times within a day of me submitting documents which include a formal dispute letter describing all of the above, the merchant receipt charging the incorrect amount, the rates posted for the services, and the early bird promotion poster. All 3 times, the dispute was rejected for not providing requested information that I was not told about in previous calls, without notification for a document request, or am unable to receive as XXXX will not give me a {$20.00} receipt of that day that Capital One is requesting since they charged me {$2000.00} instead. Over the course of the last few weeks since XX/XX/XXXX, I have called Capital One at least 4 times including today, XX/XX/XXXX, about this situation in which they refuse to help any further and discussion with the merchant has led to the same results as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I got in contact with Equifax on XXXX the XXXX 2021 about fraudulent information on my credit report the person that I spoke with in the fraud department stated that I should file a FTC report so Im uploading the documents to Cfpb so Equifax can see that I did it so they can remove all the fraudulent accounts thats on my credit report I also spoke with them about the unauthorized hard inquiries that was on my report that I didnt authorize and they told me to write a affidavit of fraud stating that I am a victim of fraud and they told me to get it notarized so I did that now I Will like to get this horrible situation taken care of which is getting these items remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/WALMART does not respond to any request for validation of debt so XXXX and XXXX removed. But ... .for some reason XXXX can not provide this information either but reports every month as as late payment, and paste due account. Unbelievable! Account is showing it was laste in 2011 is the kicker - 7 years ago. Hopefully CFPB and get ahold of XXXX  and find why the XXXX this has not been removed as no one can provide any validation of what this debt is and I have provided my SSN Card and ID.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 60 days days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

MOHELA contacted me at work, after I have repeatedly told them to not. I have been assured that my file is updated with information that states I am not to be contacted at my place of employment, but I received a call at my place of employment this morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX XXXX XXXX in XX/XX/2022. They used Truist bank for financing. I returned the car the following day and my deposit was refunded via check on XX/XX/2022. That car loan of XXXX is still showing on my credit reports as open loan thats financed by Truist bank which is effecting my income to debt ratio. 

I have disputed this with all 3 credit bureaus. I have reached Truist bank and the dealership for past 7 months but this debt is not being removed from my credit file. Its showing as an open loan. Why is XXXX XXXX  removing this from my file? I have messaged them multiple times with documentation.
Product: Credit card or prepaid card

I have been uptodate making payments to my XXXX XXXX card. 
They have not been sharing my monthly statements with me. I have been trying to make more than minimum payments to them but the balance doesn't decrease and they keep bringing up some unknown charges to me. 
The customer service us ride, they are not transparent in explanations. It's hard to get through them and when I question them, they are not able to give me answers and hang up
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX  XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Checking or savings account

I dont underdtand what has happened or is going on today I tried to login and it wouldnt let me and I called and they said they closed my account this is not fair for no reason Ive always been a good customer and never gave a reason for them to do this to me when I was told this I was surprised and asked why this was done and when they didnt even tell me horrible experience how this bank treats its customers and then does this to me I cant believe this its not nice this shouldnt be acceptable I didnt do anything wrong please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Grow credit Inc agreed to remove all reporting late payments from my credit reports and they told me to wait and that they submitted the request to the Credit Bureaus and to wait for them th o remove them I have contacted the bureau about when will they remove the info that was requested tk be removed and all XXXX bureaus told me that the removal of account or account info is not done on there end so I contacted grow credit Inc and they told me that its not done on there end so I have been waiting for to long for the removal of the late payments that were agreed to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is XXXX XXXX and I am submitting another CFPB Complaint to request the Credit Bureaus ' assistance in removing several fraudulent accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the Credit Bureaus, the fraudulent accounts remain on my credit report. I have attached a copy of the previous Letter I sent to the Credit Bureuas to this complaint for your reference. The accounts in question are as follows : XXXX XXXX  XXXX Balance : {$600.00} XXXX  XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$920.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$300.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I am expecting the removal of the disputed fraudulent accounts off of my Credit File without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card for XXXX the other day and I was denied. I thought that we.s kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report the.tare not mine and need to be deleted from my credit report. I have reached out to the FTC and my local police. I also doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX, Chapter XXXX Bankruptcy. Inquiries : XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXXXXXX XXXX XXXXXXXX this account doesn't belong to me. Please delete.
Product: Credit reporting or other personal consumer reports

Recently, I discovered that I am a victim of identity theft, there are fraudulent accounts I did not open on my credit report. This has caused me significant distress and hardship. These fraudulent accounts are hurting me deeply, preventing me from improving my quality of life for myself and my family. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  who came here seeking a better life, this situation is devastating. It feels as though the credit bureaus and creditors are not taking my plight seriously, possibly due to the commonality of XXXX XXXX, which smacks of discriminatory practices contrary to the Equal Credit Opportunity Act. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C. 1681i sections 611, 15 U.S.C. 1681s-2 sections 623, 15 U.S.C 1681 section 602 A, and 15 U.S.C. 1681s-2 ( A ) ( 1 ). Please delete the fraudulent accounts immediately. I believe these fraudulent activities are a direct result of the XXXX data breach which led to Transunion having inaccurate accounts on my report. Despite being affected by this breach. This failure to notify me has left me vulnerable and unprepared to address the fraudulent activities in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, EXPERIAN dropped my score by XXXX POINTS after I paid off my auto loan in good standing on XX/XX/2022. This is not fair nor right and should be illegal, or a case for a class action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I Submitted 3 credit report error disputes on XX/XX/2021 to transuion, XXXX & XXXX my disputes included inaccuracies on my credit reports! 
it has been over 30 days!
Product: Student loan

So I have been dealing with Sallie Mae for about two years now. I didnt have a bank account when I started paying them I had a prepaid card from work that I was trying to use. I eventually got a bank account and started making payments very consistently, I had a couple reversed but I got them paid. They were supposed to be taking it out automatically around early XXXX but they said that due to a bunch of unsuccessful payments they could no longer do it. After that they started calling and harassing my XXXX XXXX XXXX grandfather. I called them and told them not to contact him to only call me and they stopped calling him and even lowered my monthly payments. Currently in XXXX I have had to still call and make payments they keep saying they will unlock my account online but it has never been unlocked. I had one late payment which I paid but they double charged me for XX/XX/XXXX payment along with the XX/XX/XXXX payment which was the late fee I only wanted to pay XXXX and they did not give me the option to just pay for the late payment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions alone have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Potentially Negative show tooltip button XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX/XXXX  XXXXDispute XXXX XXXXDispute XXXX/XXXXDispute XXXX   XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX  all the above account were filed to the ftc
Product: Debt collection

This is not my debt. Creditor continues to attempt to collect on this account that is not a verified account
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is, XXXX XXXX XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but my credit report shows an outdated address as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 


I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX Thank you for your cooperation. 

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

The number of times late that is being reported on my credit report seems inaccurate and or misleading. Please provide proof that the alleged account was in fact late and that you have taken the necessary steps to properly investigate your allegations Please provide this information and correct this account immediately so that it shows paid as agreed, never late.
Product: Credit reporting or other personal consumer reports

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XX/XX/XXXX {$2200.00} 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 XX/XX/XXXX