23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I ensured, I had a XXXX dollar balance by calling the credit card company, Barclays, associated with the frontier airlines credit card that I had gotten on a promotional offer. 

Today I logged into my account just as a good faith measure and so I had {$8.00} charged on my card looking at it. It was a total of two sets of {$3.00} of interest, and then a {$.00} late fee. 

There was no balance left on the card for there to be a reason to encourage charge. I reached out over the phone and after gently asking why there was a charge. I was put on hold for a couple minutes and then the person came back and said oh well wave itno big deal. 

I allege that this is an example of the way the Barclays is fraudulently charging customers to make more money. 

Customer service has always been very helpful but the rest of the process with this card using it having to login to portals that dont make any sense has been incredibly stressful and I regret getting this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to file for a free credit freeze, online, with Equifax@equifax.comXXXX, a few days ago and for several hours this a.m., but they keep telling me that my email address is invalid. It is not and it is the same email address I hv ALWAYS used with them. ( I hv an acct with them ).
Product: Credit reporting or other personal consumer reports

Across my credit report I have several companies who have reported late payments on my reports that were never late. As a general rule I do not make late payments. I have disputed these and to no end have not gotten any results. This needs to be corrected. I have not been 30 nor 60 nor 90 days late or late at all all the following accounts. 

DELETE ALL LATE PAYMENTS ON THE FOLLOWING ACCTS 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  Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXXXXXX  Status Open. 
Status Updated 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 XXXXXXXX DISPUTE LATE PAY- THIS ACCT WAS CLOSED BY THE COMPANY IN XX/XX/XXXX HOW WAS I LATE IN XXXX AND XXXX? 
XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts in my profile are not mine. Please help me and remove these wrong unknown accounts as they kill my report. Also this wrong information influencing on my life.
Product: Credit reporting or other personal consumer reports

TransUnion continues to report inaccurate information even after I sent in the proper documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off of {$4100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have not now, nor in the past, ever had an account with XXXX XXXX. This false reporting of a charge-off account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card

I've tried contacting XXXX since XXXX. I contact them in XXXX of XXXX, in XXXX of XXXX, in XXXX of XXXX, and XXXX, XXXX, and XXXX of XXXX. 

When I contact XXXX, they tell me they don't have any financial information about this recurring charge ( Monthly Subscription Premium Support : XXXX Technical Support and Monthly Subscription Premium Onsite Service After Remote Diagnosis ). They tell me I need to call Comenity Bank. I've spoken with several representatives who then direct me back to XXXX because they have no information. I spoke with a supervisor in XXXX of XXXX who advised I could dispute the charges, but I'm still getting charged. There's a note on my XXXX XXXX XXXX stating this should've been cancelled as of XXXX of XXXX, but I was just charged and will be charged again on XX/XX/XXXX. There is no way to end this, and nobody has information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Debt collection

I called Discover card customer service about an old credit card debt from about 10 years ago. They referred me to XXXX XXXX XXXX and provided the phone number. I contacted XXXX XXXX XXXX and requested written information on the debt, including payoff. They requested that I fax a signed statement that I was not being represented by an attorney before they would speak to me. I complied. I called again and requested the written information about my debt. They said they would have it to me by the end of the week. They did not. I called again XXXX, they said they would have it to me by XXXX. They did not. I called again and was told they would have it to me by XXXX. They did not. I called again the following XXXX and could never get a person on the line. I called again XXXX and could not get a person on the line. I called Discover card. The Discover Card representative attempted to contact XXXX XXXX XXXX as well, and was unable to reach anyone after a very long hold. So, ultimately, after more than 2 weeks and a multitude of phone calls and requests, I still have no written statement of my debt. In the meantime, there is a lien on my home, and interest continues to build daily ( as I was informed ).
Product: Credit reporting or other personal consumer reports

EQUIFAX STOP WITH FALSE ACCUSATIONS WHEN IT COMES TO PUBLIC RECORDS- Disclosure to Third Parties. The general rule under the Privacy Act is that an agency can not disclose a record contained in a system of records unless the individual to whom the record pertains gives prior written consent to the disclosure. Invasion of Privacy : Public Disclosure of Private Facts. 
CFPB, EQUIFAX CONTINUES TO STATE FALSE, MISLEADING INFORMATION STATING ABOUT XXXX XXXX XXXX XXXX IS VERIFIED BY THE ORIGINAL SOURCE. IM ATTACHING A TRANSCRIPT OF MY CONVERSATION WITH XXXX XXXX XXXX YOU CAN'T VERIFY AN ACCOUNT IF A CREDIT CAN'T DISCLOSE INFORMATION TO ANY COMPANIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the fraudulent account XXXX/XXXX Account # : XXXX as I have no knowledge of this account due to the Equifax data breach/identity theft. According to FCRA 605B this information must be blocked immediately until the investigation is over. Please block this information from my credit report and send the required notifications to all furnishers of this information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle, XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the middle of the home buying process and my lender indicated that they are not able to pull my Equifax credit report because it is being flagged for consumer fraud. When I contacted Equifax, they said they need to verify my identity and to fax over my driver 's license and social security card. They would not provide me with any information even though I have answered all of their verification questions correct. I have faxed in my information 3 times and still no response. When I call to follow up, they say there is nothing they can do for me. This is causing an extreme hardship for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I intitially placed a security freeze on my credit report through Sage Stream in XXXX. I now am trying to remove the security freeze as I am in the background process for a new career and must remove the freeze for the company to access my credit report. I have called over 20 times, left 5 voicemails between the dates of XXXX nad XXXXXX/XX/. I have faxed in twice my information to remove with the PIN and proper information and no return phone call. The phone directory routes all calls to a voicemail, or to say that all Sage Stream Reps are on another call. I have reached out to the Customer Service Director via XXXX and was told to call Sage Stream and the " team '' would help with my removal. There is no team to do this. This is absolutely illegal, immoral, unprofessional and ridiculous that a credit reporting agency can string out a consumer in this regard. This company has no right, and should be closed down because I know there are thousands others.
Product: Credit reporting or other personal consumer reports

There is a charged off account still on my XXXX Credit Report that is XXXX XXXX XXXX since the date of delinquency and is now time barred from being reported on my credit report. I have disputed this account 5 times, showing proof of the last payment made to XXXX. After XXXX failed disputes, I called XXXX to ask how to go about getting it removed. They told me to contact the company directly. I did this and the company is telling me that they don't remove charged off accounts, that it is up to the credit agency to remove it after I dispute it. I am requesting that you help me get this account removed from my credit report.
Product: Mortgage

JP Morgan Chase failed on my loan refinancing and my loan modification. JP Morgan advised me to pay off my credit card and close it in order to refinance it. It took over 130 days to come up with a no decision. Workers left the company that were working on the refinancing. Proceeds from my loan refinancing and loan modification were to be used to pay off credit card and have extra money from refinancing.
Product: Credit reporting or other personal consumer reports

I've contacted XXXX XXXX XXXX regards to them being on my credit report they are reporting a collection. I am located in the state of Texas and XXXX XXXX XXXX which is showing under XXXX XXXX and XXXX XXXX XXXX are not legally licensed to collect in the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened an account with AMERICAN FIRST FINANCE I for the amount of {$580.00} on XXXX XXXX XXXX the account was closed as a collection/ charged off and sold to a debt collection agency. In legal rights a consumer is no longer responsible or reliable for a debt one the account is closed or charged off/ sold to a collection agency. This company is still reporting negative remarks on my credit report. As of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX/ XXXX XXXX , XX/XX/2018.
Product: Credit card or prepaid card

I had a box of my personal checks stolen by my USPS carrier and had to close my checking account. I went to Synchrony Bank website and updated my bank information. I should've known better! I changed banking information before when I switched to XXXX XXXX and the same thing happened. They don't actually change your banking info, so that it defaults and you get charged a late fee. Fool me once... anyway... this second time, I got charged a late fee even though I updated my information on the same day I got my new checking account. I saw that they debited my account for my regularly scheduled payment of XXXX plus the late fee of {$30.00}. I was XXXX. Trying to call this sham of a company is pointless. I was told that they were refunding me on XX/XX/23, in the amount of {$100.00} as they took more than my payment WITHOUT MY CONSENT. It's now XXXX weeks later and I have yet to get that refund. My account reflects the balance due of {$700.00} which is still the balance owed on the account after the {$100.00} was taken without my consent which tells me that they DID NOT ever refund my money and LIED to me. I have called twice today XX/XX/23, hung up on the first time and the second time, I was told that the late fee was waived and they they DO update bank information " if it is correct '' ( this call is recorded so you can verify this is what was said to me by the XXXX agent ''. Yes, they waived the late fee after I called and was incensed. I am now on the phone as I type this and I was informed that a check for {$30.00}, not {$100.00} was issued and they had me verify the address which is accurate. All I get is runaround from this company. I am currently waiting on another " supervisor '' but I doubt that I will see any resolution. I have closed my account due to their shady practices and would like to see some actual resolution that is satisfactory to me. I do have " informed delivery '' via USPS and I have not ever seen any mail to me from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2020, CAVALRY PORTFOLIO SERVIC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAVALRY PORTFOLIO SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several accounts that were not mine on my Experian Credit report number XXXX. I called Experian on or about XX/XX/XXXX. The representative stated THEY ( Experian ) had a system problem that incorrectly merged client data and they would correct it ASAP. They corrected some but not all. I now have 2 collections on my report from the same collection agency as copied & pasted below. 
Account Name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$60.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX {$60.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came to know from XXXX that there was an hard inquiry reported by Equifax that was not authorized by me. 

Details : Date of inquiry : XXXX XXXX, 2016 Name of inquirer : XXXX XXXX XXXX XXXX : Equifax I did not authorize this credit check.
Product: Debt collection

I am writing to formally dispute an account that has been reported on my credit report. This account is inaccurate, fraudulent, and continues to negatively impact my credit. Despite my efforts to resolve this issue directly, it remains unresolved. Therefore, I request an immediate investigation and the removal of this account from my credit report, as it does not reflect accurate or lawful information. 



I believe the reporting and handling of this account violates several federal laws, including but not limited to : 1. 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information Financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing the consumer with the required disclosures and the opportunity to opt-out. In this case, there is no record of such disclosures or opt-out options being provided to me. The transfer and sharing of my personal information without consent or proper notification is a direct violation of this statute. 

2. 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports Under this statute, consumer reporting agencies may only furnish a consumer report when authorized by written instructions from the consumer to whom it relates. I have not provided written consent or instructions permitting this account to appear on my credit report. As such, its inclusion violates this section.

3. 18 U.S. Code 1028 - Fraud and Related Activity in Connection with Identification Documents The unauthorized use or transfer of my personal identifying information constitutes a form of identity theft. By transferring and reporting this information without lawful authority, the institution responsible is in direct violation of this code.

4. 18 U.S. Code 1028A - Aggravated Identity Theft The improper use of my personal information in connection with this account is a serious offense and demonstrates clear negligence or willful misconduct.

Additionally, I have repeatedly requested that this company provide documentation to verify their ownership of the account, such as the purchase agreement, as well as any signed documents or other proof that this account belongs to me. To date, I have not received any of the requested documentation, which further calls into question the validity of this account.

This collection account is being reported in error and must be removed immediately. I request that your agency conduct a thorough investigation of this matter in compliance with the Fair Credit Reporting Act ( FCRA ) and provide me with a written response regarding your findings. Should this issue remain unresolved, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies.

Thank you for your prompt attention to this urgent matter. Please provide confirmation of receipt of this dispute letter and keep me informed throughout the investigation process. I look forward to your swift resolution.
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 information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus 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 remove these files. 
XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is 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: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX, Experian and XXXX are reporting my tranactions and experiences to the consumer report. According to FCRA 15 US Code 1681a2a1 these are exclusions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After going through my updated Credit Report which I purchased from XXXX, since the Credit Reporting Agencies failed to provide a free copy of my updated Credit Report 30 days after the date of my disputes, I am baffled to see that that my Credit File still reported the fraudulent accounts and information on my Credit File. The disputed items remained on my Credit Report end yet the Credit Bureaus have failed to provide me with copies of documents giving the fraudulent accounts the rights to continue their erroneous reporting. Let me remind the Credit Bureaus that under the FCRA section 605b, any and all fraudulent accounts must be removed from a consumer 's Credit File if not proven to be accurate. I have been disputing these accounts for 4 months already and yet the Credit Bureaus have not provided a single document. This action is a clear neglect of duty and responsibilities. I am submitting this Complaint to demand to the Credit Reporting Agencies to remove the disputed accounts off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXXXXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00}. Not only that the Credit Bureaus did not send me a copy of my updated Credit Report, they have not sent any documenst supporting such misleading claims. I demand the deletion of all the fraudulent items completely from my Credit File.