23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keep sending emails saying all of my disputes that I've mailed to them does not appear to have been sent directly by I or to be authorized by I. 

All the information I've sent them has my personal information ( SSN, ID ). 

Every letter has a full blown copy of my SSN and driver 's license. 

They just don't like someone using a disputing program using real logic and facts to remove accounts.
Product: Credit card or prepaid card

The company constantly close my cases XXXX without giving me any legitimate reason. The company close the dispute case claiming that I did not upload supporting document. But I did upload everything they requested and the bank portable confirmed the receipt of my uploaded documents
Product: Credit card or prepaid card

The card involved in this issue is a Barclays US Visa. I ordered some merchandise online on XX/XX/20 which posted to my Barclays card on XX/XX/20. It never arrived. I contacted the seller on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20. They initially replied to the first email from XX/XX/20 on XX/XX/20 and said it was on it's way and then they never replied again. I filed a dispute Barclays on or around XX/XX/20. They never contacted me to resolve my dispute and just sent me a letter dated XX/XX/20 saying that they were closing my case and not crediting me the {$110.00} that I was charged by the merchant since the merchant provided proof of shipment and delivery. After I did research I found out that the merchant had sent me just a swatch of fabric in an envelope ( so they could provide tracking if asked ) and not the merchandise I purchased ( I was trying to purchase a pair of leggins and a shirt ). Once I saw that Barclays had closed my dispute I sent them a letter to the address the provided in their letter with the 10 days after receipt that they requested that I get back to them if I had more information. I provided all my emails to the merchant, a photo of the swatch I received in place of the merchandise I ordered, documents showing the links for the merchant were now no longer good and a letter explaining what happened. ( I still have copies of all and am attaching below. ) I also tried to call Barclays XX/XX/20 and XX/XX/20 and could never get through to anyone. I was on hold for over 45 min and then was disconnected. I did get a call back from a dispute manager, XXXX, almost a month after I sent the letter and I explained what happened and she said there was nothing they could do as I originally opened the dispute as " no merchandise received '' and since I got the swatch it wasn't a " no merchandise '' dispute it was " incorrect merchandise '' dispute and now since it was filed that way there was no way to change it so I was out of luck. I advised that this merchant was committing fraud and they said they there was nothing they could do and the {$110.00} would stand on my account. I asked to close my account immediately and she said she couldn't do it but she would transfer me to a customer service agent. She put me on hold. XXXX then came back on the line and said they were all busy and they would have to call me back. No call yet. Of course, another delay with this company. This is what they are supposed to do as my creditor. So as of now, I have nothing accomplished with Barclays : I have to pay for the {$110.00} fraudulent charge and they won't even let me close my account. 

Barclay Case ID : XXXX Manager Call Back Case # : XXXX ( XXXX at Barclays )
Product: Credit card or prepaid card

Was solicited for a XXXX XXXX for {$10.00} credit after spending at least {$20.00} at a XXXX gas station via the XXXX app and using my Citi XXXX XXXX ending in XXXX to pay. Accepted offer on their website prior to spend and then filled exactly {$20.00} per terms ( solicited offer terms and conditions.png ) onXX/XX/XXXX ( BPme receipXX/XX/XXXX 

XX/XX/XXXX : Contacted Citi customer service via chat. Was told that they did not see a current offer, only XXXX that had expired inXX/XX/XXXX ( citi chat bad XXXX ). Was told to email terms and conditions of the offer to XXXX by their representative ( citi chat bad XXXX ) ( Untitled.pdf ). It was transpired that the representative gave me bad info ; XXXX is for an XXXX XXXX card, which I never had. 
XX/XX/XXXX : Received mail ( citi refusal XXXX ) from Citi saying that I was not solicited for that Merchant Offer. 
XX/XX/XXXX Contacted customer service via chat. Told to call. Was told not showing signed up on any offer. See ( Screen Shot XX/XX/XXXXat XXXX ) showing that I was, in fact, signed up for multiple offers. 
XX/XX/XXXX: Same response asXX/XX/XXXX ( citi refusal XXXX ). 
XX/XX/XXXXCiti mailed response showing they stood by their original response of XXXX offer good only until XX/XX/XXXX ( citi refusal XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX  advising that the following hard pull inquires are not authorize by me : XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX XXXX XXXX XXXX XXXX  and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian knowingly reports numerous inaccurate disputed accounts refuse to provide copies of demanded signed credit or loan application to verify account 's, yet claims account verified. Demand is hereby made that Experian to provide copies of signed credit or loan applications for all negative accounts reported or delete it immediately.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX XXXX, this is my statement that all of the listed accounts have been reported without my consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me the consumer. I clearly never gave this agency written authorization or written instructions to report this information, This agency is conspiring with these creditors against me in committing XXXX  identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
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 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

on XX/XX/2022 i XXXX XXXX XXXX the consumer wrote a letter pursuant to 15 USC 1681i asking them to investigate some inaccuracies on my credit report. Equifax has failed to do a reasonable investigation and violated consumer law. by not proving me with the living person they spoke with who verified this information. the certified records to prove the information to be valid. There is a cease and desist communication order in place with the company i asked for the investigation on. so who verified this information. Equifax is now reporting inaccurate adverse information pursuant to 15 USC 1681 ( d ) ( 4 ). pursuant to 15 USC 1681 ( b ) ( 2 ) they were given written instructions to remove 7 different accounts from my report. upon receiving my updated report these accounts are still a part of my credit report which is a direct violation of consumer law. this directly violates 15 USC 1692 ( j ) pursuant to 15 USC 1692a I XXXX XXXX XXXX is the creditor who extended credit because per 12 USC 24 banks cant lend credit. as well as pursuant to 18 USC 8 I owe no debt. these companies are violating my consumer rights to privacy pursuant to 15 USC 1681b 2 these companies also have No permission to report ANYTHING using my information pursuant to 15 USC 1681 4
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct beginning in XXXX. The account violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ) with regard to the payment history. The FCRA requires accurate and timely reporting of payment history. In this case, the account appears to show " C '' for all months in XXXX and XXXX, which suggests that the account was marked as " Current '' despite being a collection account. This is a violation of the FCRA as collection accounts should be reported accurately, reflecting their past due status in the respective months. Also I have disputed this account with XXXX  XXXX XXXX asking that they validate the debt and they have taken no action
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt in fact, therefore exists. ( please remove this account before I seek litigation for defamation of character. ) 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: Checking or savings account

It would appear that Wells Fargo is again engaged in deceptive and misleading practices. I only recently became aware that the checking account opened in XXXX was an Opportunity Checking account after having low daily transaction limits and the account not eligible for API connection to other financial services. I applied for Preferred Checking and expected that this account was such since I do not recall any clear and unambiguous language to the contrary. At XXXX today, XX/XX/2019 I called XXXX the main phone number for Wells Fargo and the representative clearly stated " Go into the branch to upgrade your account '' after I requested it. Please pull call record. At Approximately XXXX I leave work to go into Branch located at XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX and the Advisor kindly advised me that in her 15 years she has never seen an Opportunity account upgraded in the branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transition refuse to delete derogatory remarks from my credit report. I have provided documentation proving that other credit bureau have deleted the collections. On my XXXX report I have no collections whatsoever. this is affecting my life my credit score is XXXX with low utilization and I want to buy a home. I can not move on due to this affecting my score. 

PROFESSIONAL DEBT XXXX & XXXX
Product: Debt collection

I turned in XXXX phone to the insurance, XXXX of them they couldn't find... So now there still trying to charge me for those phones. Which if that was the case as far as not getting credit to turn them in. I could've lied and did a claim they were stolen. And get new phone and no collection bill! So I feel this is wrong and I wasn't my account with the insurance fixed! 
I'm sending the pictures I took at the post office before I sent all XXXX phones back to the insurance! I wanted my account credit for my phone 's. I was with XXXX XXXX for XXXX XXXX and because of this I was forced to not have a phone or services for a month in a half. Because I couldn't pay this bill. I had to cancel with them and go to a different phone company. I am still upset over this and the fact I'm being billed and punished for phones that were returned and I paid the fees with insurance to get new ones, that we didn't receive. What the point of paying for insurance then? I thought it was to protect us from what I went thru at that time... We had no phones or services hoping it would get resolved and it never did so I had this huge bill and they wouldn't turn her phone on if we had a phone because of this so upsetting to me I was so proud and loved that company and the fact that I was with him for XXXX years meant something to me never did I ever in XXXX  years have a problem with the phone that I've made a claim on so I feel like this company is bogus somebody schemed at your office and took our phones it's not XXXX XXXX fault it's the insurance claim. Paid for monthly insurance then we paid the bill to turn the phones in return the phones in also and still get this huge bill and no phones and no service now it's ridiculous. XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a Coinbase Wallet but the altcoin ( Dogecoin ) that I have owned since 2018 has went missing. There is no phone number to contact the company only an Email address. I have contacted the company on several occasions only to get a reply that the case is being reviewed. I first contacted the company via email XX/XX/XXXX. I have contact the company at least 9 times and I have attached their last email response. The remedy that I am looking for is for my coins to be returned which is XXXX coins at time my coins went missing the value for them was over {$7000.00} us dollars which I would like to receive the value of these coins at the time of disappearance.
Product: Debt collection

This company ( Medical Business Bureau ) reported a collections account debt on my credit report ( XXXX ). They did not send me any written letter regarding the existence of the debt. I have never done business with this company and the info posted to the credit bureau is false and a violation of my right under FCRA.
Product: Debt collection

I am not liable for this debt with ALLY FINANCIAl plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested via certified mail, a formal dispute of  XXXX   XXXX   XXXX   XXXX  is Illegally reporting on all  XXXX  major bureaus,   XXXX   XXXX   and TransUnion. I have requested that the information be removed due to per Texas SOS debt collection must be Bonded, and although they are not a  3rd party collector, they are indeed trying to collect a debt via the credit bureaus with a " Cancelled Closed File '' per the Texas SOS. I have attached the search resu lts.
Product: Credit card

I have a credit card with Amex that had a promotional interest rate of 0 % and was wasnt slated to end until some time in XX/XX/XXXX. I was making a payment and the payment was rejected because of insufficient funds. I reached out to Amex on XX/XX/XXXX to ask about a refund on the XXXX fee. The agent was helpful and informed me that the charge was reversed. They made no mention that because of this returned payment that I would be losing my promotional rate, but more importantly, I was going to be charged interest. The interest charge was XXXX. I spoke to someone else from Amex who was able to reinstate the promotional rate and said that I would be hearing back from someone about the interest rate charge. After hearing nothing from them I followed up and the agent told me that the request was submitted and to wait an additional 3-5 business days. I then reached out on XX/XX/XXXX and was told that there was no request and there was no consideration for interest waivers. I then told them that I would consider not using their cards as a form of recuperating my cost back. The agent then told the system that I was inactive and to end the conversation. I spoke to another agent that same day and they were polite but now they were able to instantly provide me with an answer on my interest request. This all does not make sense. Agents are inconsistent in their responses and expected wait times and I as the consumer am being mismanaged by a company that prides itself on superior customer experience. The idea that the original agent who is well aware of how their terms and conditions work didn't take but a few extra seconds to let me know about what could/would happen with my account is predatory in my opinion. Even if a customer reads all the conditions, they are unlikely to recall everything. Also, since I was able to have that interest reinstated that means that if they would have informed me during my initial contact I would have had time to get the interest reinstated and not have been charged the interest. On top of that they label the charge as " Interest on Promotional Balance ''. Well, if the promotion is still active, would that not mean that the interest would be as well? Again, this prays on consumers trusting the company they do business with and taking advantage of timelines we would be unaware of. I would like the interest charge of XXXX be reversed and that I be given the opportunity to pay off the balance with at least a months time. The promotional interest rate is secondary to the interest that was charged. This resolution would be sufficient, however, it would be unfair as it does not place any blame on Amex. The labeling of the charges and the fact that they could have informed me prior to the interest charge means this all could have been avoided.
Product: Debt collection

PORTFOLIO RECOV ASSOC is reporting a major derogatory item. I never had any XX/XX/XXXX XXXX credit card and they keep trying to charge for this debt as a third party collection agency for XXXX XXXX.
Product: Credit card

My name is XXXX XXXX. I used the America Express Platinum Card ending XXXX to purchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1700.00}. I received the camera from XXXX XXXX XXXX XXXXXX/XX/XXXX, however, the whole shipping box is squeezed and wet damaged. To keep evidence, I recorded the entire process to open the original box. I filed the return request at XXXX XXXX on XX/XX/XXXX, and returned the camera on XX/XX/XXXXXXXX XXXX XXXX tracking number XXXX, as shown in the XXXX return instruction email. XXXX received the returned product on XX/XX/year>. However, XXXX refused to issue the refund, because it stated that I returned the camera with a different SN number. I filed a dispute with an AMEX credit card, with dispute ID XXXX on XX/XX/XXXX, after communication with XXXX without a solution. I have provided the AMEX dispute team with the video recording showing the SN on the camera I received, the screenshot picture of the SN on the camera I received, and the XXXX return instruction email showing the SN of the camera I should return, which all match the camera I received and returned to XXXX XXXX, which the SN number is XXXX, model number XXXX. All this evidence shows that I returned the original item I received from XXXX and XXXX should be refunded in full. However, the AMEX dispute team has not examined the evidence I sent to them carefully but closed my dispute two times side with the merchant, and just provided me the information that XXXX sent to AMEX saying the returned camera SN is not right. Still, XXXX has not offered any proof of the actual camera XXXX originally shipped to me. I believe I have provided sufficient evidence including video, pictures, and also the email from XXXX indicating that I returned the correct product that I originally received. The way AMEX handles the dispute I filed with XXXX XXXX is not reasonable. As a credit card company and as an XXXX AMEX customer XXXX I believe AMEX should consider the benefit of customers and protect customers from such incidents.