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

I have a XXXX ( Barclays ) credit card that I've used to make purchases off of XXXX since XX/XX/XXXX. I had never been charged a cash advance fee for purchases from this site. However, starting in XXXX of this year ( XX/XX/XXXX) I began to get charged cash advance fees. Barclays said they did this because coinbase change the reporting of what they were to currency which now equates to a cash advance. This is fine. My problem is that Barclays never communicated this change and I have now racked up {$290.00} in cash advance fees that I knew nothing about. They will not remove these charges even though nothing was communicated to end users about an internal change. 

https : //www.barclaycardus.com/
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible 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 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 or other personal consumer reports

XXXX XXXX and XXXX sent a letter verifying that the US Bankruptcy that was being reported on my credit reports was unverifiable and the bankruptcy was deleted. Experian and XXXX has continuously verified the Bankruptcy as " Updated or Remains '' and the bankruptcy does not belong to me. I have provided all three credit reporting agencies with the DELETION LETTER from XXXX and it has not been removed. The lack of investigation has cause me much pain and suffering. XXXX has already successfully deleted Bankruptcy.
Product: Credit card or prepaid card

An unauthorized payment of {$270.00} was taken out of my bank account on XXXX XXXX, 2017, by Synchrony Bank. I did not authorize the auto payment and I want to press charges unless we come to a mutual agreement and settlement. I have already requested their proof of my authorizing the money/payment to be withdrawn and I have not received a response. I know it is illegal and I want this remedied. Thank you.
Product: Debt collection

the last week of XXXX I contacted LVNV FUNDING LLC about the amount they are trying collect is the wrong amount and that they are actually charging me double of what the debt originally was. I was told someone would contact me about the situation but no one ever contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The law under 15 USC 1681 A2 ( i ) Consumer report does not include ; report containing information solely as to transaction or experiences between the person making the report. Late payments are illegal as per the Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax numerous times about a credit card that was incorrect on my credit report. I was ( without my knowledge ) added as an authorized user on the credit card which had two late payments in 2019. Both XXXX  and XXXX  have both removed the account from my report, but despite multiple attempts ... the account remains on my Equifax report. 
Equifax even asked if I had any supporting documentation ... to which I replied : How would I have any supporting documentation? This was not my account. I've never received a bill, card, or any other info. I only knew about it from it showing up on my credit report when I was working on getting a loan. 
This is, in my opinion, a failure by Equifax to follow the dispute process that a consumer should be allowed and furthermore poor service of their duties to accurately report information.
Product: Credit reporting or other personal consumer reports

I've have ask for following information 1. My Full name ( document 2. ) Date & : Time of transaction ( 3 ) .my full signature with the date. ( 4. ) amount with the description of the charges. The account in question does not belong to me the amount been reported on my credit profile is outrageous. All my payment was made on time With no outstanding balance. The collection company fair collection & out sourcing is report fraudulent amount .I don't owe them anything.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, FDCPA, and METRO 2 COMPLIANCE STANDARDS. 
It is illegal to retain or report misleading or unsubstantiated information. Therefore, I demand the deletion of the following illegally reported allegations :
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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 have over 35 inquiries on my credit report since XX/XX/2020, I have sent over several certified letters to all three credit bureaus to remove the unauthorized inquiries that are not account holding. I have not received any response from the credit bureaus or creditors. Lastly, there is a fraud alert on my Transunion report since XX/XX/2020. and has never been contacted about any inquiry unless it is tied to an open account
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, In accordance with fair credit reporting act convergent, account # XXXX, XXXX XXXX XXXX 
# XXXX, XXXX. XXXX XXXX. 
# XXXX XXXX XXXX XXXX 

Has violated my rights. 

15 U.S.C 1681 section 602 A. States, that I have right to privacy 15 U.S.C 1681 section 604 A section 2 : states as well that a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

I was robbed/conned out of Thousands of Dollars by whom I now know to be XXXX XXXX. Chase Bank refuse to refund me the money, I was under the impression my money in the bank is FDIC insured. 

I filled a police report REPORT NUMBER : XXXX on XX/XX/2020 that completely went ignored by the XXXX County Police Dept. I launched my own investigation and was able to get surveillance of the perpetrator. However I went as far as I can go as a civilian. Luckily he also committed the crime in XXXX, and I was able to get the help of Officer XXXX XXXX and Sargent XXXX XXXX. They really cared about me and we got him arrested. However, he only served 3 hours and he was nabbed on only {$500.00} prepaid cards he purchased with my bank cards at XXXX in XXXX, Washington. 

I want to alert you that XXXX befriended me in XX/XX/2020, and by XX/XX/XXXX he asked me to lend him {$4200.00} in cash and he provided personal checks on the spot that ended up bouncing. That afternoon he stole my bank cards as unknown to me he watched me enter my PIN when I lent him the money utilizing the ATM. He proceeded to go on a 3 days stealing spree until I received fraud alerts, as I was quarantined indoors and had no idea my cards went missing. This has resulted in Chase not wanting to return the {$2400.00} he stole from me, as well as, i'm  out of the {$4200.00} bounced checks, and XXXX still owes me {$1200.00} that i have to contest. 

My life has been turned upside down by this sociopathic conman, i no longer have trust in people, and he was on a mission to deplete me of my life savings. He also claimed to come from a really  wealthy family of doctors back in XXXX, he portrayed himself to be an Engineer working for XXXX. He will do this to others. He claims to be here on a work visa. 

I was not able to get the surveillance from the Casino and different bank branches ATM that he used my cards at because I am merely a civilian. However, Chase Bank has been completely uncooperative. XXXX ( XXXX @ ex XXXX ) from Chase Executive Office has been completely uncooperative. They refuse to reimburse the stolen funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had a year and 7 dispute letters sent to resolve this and they have failed! Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Product: Credit card or prepaid card

On XX/XX/2018 my prepaid debit card, issued by Direct Express for my Social Benefit checks to be deposited into, was stolen while I was on vacation. On XX/XX/2018 I called Direct Express and notified them of the theft. The card was cancelled on that day. On XX/XX/2018 I received a Questionnaire of Fraud from Direct Express, which I filled out claiming {$17000.00} in fraudulent charges on my card and I mailed it back the next day.. I  was credited {$5100.00}. I have called Direct Express numerous times to get the remainder back but they will not return my calls or follow through. Comerica Bank, which processes the transactions, will not help. I called them and they said to call Direct Express. I called them again on XX/XX/2018 and the person at the Fraud Department said he could not talk to me and transferred to a Level 2 line, where no one ever answer the phone, per usual.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate information that has been reported on my credit report by XXXX XXXX. Despite my efforts to resolve this issue directly with the credit bureau ( s ) and XXXX XXXX, the inaccuracies remain uncorrected and are adversely affecting my credit standing. 

The inaccuracy on my credit report is as follows : 1. An account from XXXX XXXX, account number XXXX, is incorrectly reported as delinquent for XX/XX/year>. 

I have contacted Equifax and XXXX XXXX multiple times, providing them with documentation that clearly supports my claim that the information is incorrect. Despite this, the disputed information remains unchanged on my credit report. The steps I have taken to resolve this issue include : - I have submitted documentation every month since XX/XX/year> to both the credit bureau and XXXX XXXX to correct this error. 

Enclosed with this complaint are copies of my correspondence with the credit bureau and XXXX XXXX, as well as copies of the documentation that I provided to support my dispute. 

The continued presence of this inaccurate information on my credit report is causing significant harm to my credit rating and financial wellbeing. I respectfully request that the CFPB intervene in this matter to ensure that the erroneous information is corrected promptly. 

Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for the unauthorized and inaccurate reporting of a collection account on my credit report. This account has been reported without my consent or proper validation, in clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Details of the Violation Unauthorized Reporting ( FCRA 15 U.S.C. 1681b ) : XXXX failed to obtain my explicit written consent to report this account. Reporting consumer information without permissible purpose is a direct violation of the FCRA.

Inaccurate and Misleading Information ( FCRA 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to ensure the maximum possible accuracy of reported information. The presence of this account, without validation, is inaccurate and misleading.

Failure to Validate the Debt ( FDCPA 15 U.S.C. 1692g ) : I have not been provided with adequate validation or itemization of the debt. Debt collectors are legally required to furnish proper documentation proving the validity of a debt upon request.

Prohibition of Misleading Practices ( FDCPA 15 U.S.C. 1692e ) : Reporting this account without proper validation or consent constitutes a deceptive and unfair practice under the FDCPA.

Failure to Investigate Disputes ( FCRA 15 U.S.C. 1681i ) : Despite disputing this account, no reasonable or timely investigation appears to have been conducted by the relevant credit reporting agencies or XXXX, as required by law.

Impact of the Violation This accounts unauthorized and inaccurate reporting has significantly harmed my creditworthiness, resulting in a lower credit score and negatively affecting my ability to access credit and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

In XXXX I successfully transferred funds from my Webster Bank/XXXX XXXX XXXX  to my XXXX  Savings Acct . In XXXX  I initiated a transfer & it was Canceled due to security issues. 

I called customer service multiple times..it took over a week to get an answer that simply was : " Webster Bank is NO longer allowing any transactions with XXXX! 

I demanded to speak to a manager. All he could say IS : " This was an executive decision made by Webster Bank '' Due to this problem..I now have to make TWO separate transfers to get my XXXX XXXX transferred to XXXX. 

Because of this issue..I couldn't get funds transferred timely to cover paying off a BILL that has cost me {$120.00} in interest charges! 

Extremely dissatisfied, PLUS this EXECUTIVE decision was NOT communicated ahead of time to Clients!
Product: Credit reporting or other personal consumer reports

XX/XX/2024 A representative named XXXX from XXXX XXXX came to my home to give me a free quote for a new roof. He quoted a cost of {$47000.00} and said that he wanted to do a soft pull on my credit to see if I qualified and that I would have 3 days to opt out if I did not want to take advantage of the offer. After he left I did some research on the company and after reading several poor revues decided to shop around, so I contacted XXXX the following day to tell him and he replies that the materials and crew have already been ordered and paid for so he is willing to cut the price by {$4000.00}. Again I told him no. Then he counters with {$27000.00}. Again NO! 
A week later I receive a credit card in the mail issued by Synchrony Bank with my name AND XXXX XXXX on the front of the card. I then checked my credit report and found that XXXX did 3 hard pulls on my credit until he found an amount that would be accepted, the limit on this card is for {$22000.00}. 
I've tried but to no avail. I've contacted the credit bureaus to have this removed and was told that your agency is my starting point. 
XXXX 's ethics are fraudulent and he needs to be punished to the full extent of the law. 
All of my subsequent communications after my initial meeting with XXXX were via text messages so I have written proof of my allegations.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Collection Reporting Request for Deletion From : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX Dear CFPB, I am writing to dispute an inaccurate collection reported for the account listed below : Creditor : XXXX XXXX Account Type : Rental Agreement Balance : {$310.00} Status : In Collections Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX This account is incorrectly reported as a collection account on my credit file, and I am requesting its immediate deletion for the following reasons : 1. Inaccurate Reporting of Payments The payment history table suggests that I have made 0 % of payments on time, which may not reflect the actual circumstances or a misreporting error.

2. Violation of FCRA 605 Negative Information Reporting Timeline The account is showing as a collection and should not be reported beyond XX/XX/XXXX, as the first delinquency date was in XX/XX/XXXX, which exceeds the 7-year limit for reporting such information.

3. Violation of FCRA 623 Accuracy of Reporting This collection account is inaccurately reported and can not be verified. Under FCRA 609, I request that XXXX XXXXXXXX or the credit reporting agency provide accurate and up-to-date documentation to substantiate this debt. If no verification is provided, the account must be deleted from my report. 

Please investigate and provide a written response within 30 days. If this information can not be verified, I request the immediate deletion of this account from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX
Product: Payday loan, title loan, or personal loan

First, I was told the branch in XXXX was closing and the XXXX location was taking over that locations loans. I learned later that this is not the case. 

I was not shown the interest rate at the time I moved the loan to XXXX Texas. 

I am currently behind one payment and unable to have an adult conversation on payment arrangements as I go back to work, 1 ) each conversation turns to the Title Max workers telling me in different ways that my car is going to be repossessed. 2 ) about 11 days ago, I called the XXXX branch to inquire if my loan can be moved to their branch. I was told In order to move your loan here, you need an income of {$9000.00} a month, also, XXXX. XXXX wanted me to tell you theyre coming to get your car and will have it in a few days. 

This last statement came after I informed them Id like to make arrangements on the payment I owe. 

I also called the Titlemax corporate line and asked if there was anyone I can speak to on a corporate level, that wont answer my question What are my options with ( Titlemax answer ) Youre at risk for repo and tow trucks have the technology to find you in any parking lot. 

As I spoke to someone in XXXX, they again dont acknowledge what Im saying and turn it into fitting their narrative of threatening comments, this is after I was transferred from a corporate rep and released the call stating Im going to realease the call, I havent heard any threats. 

Obviously, because the threats and harassment happened prior.
Product: Credit reporting or other personal consumer reports

Please remove all addresses that it not my correct address below : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports a balance that is XXXX ( XXXX ) times what it should be. Balance should be around fifteen ( XXXX ) XXXX dollars for this account/trade line but is reporting with a balance in excess of XXXX XXXX ( XXXX ) XXXX dollars to XXXX, Experian, and XXXX XXXX XXXX has also failed to send billing statements to correct address and thus has not provided me with statements consistent with CFPB interpretation of Regulation Z. While statements may be alleged to be available online, I am a XXXX individual that suffers from XXXX that leads to periods of photo- and phono- XXXX making it difficult ( and painful ) for me to retrieve statements online during episodes. As such, I rely upon paper statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAU XXXX XXXX XXXX Reported : XX/XX/2019 {$4400.00} CREDIT BUREAU XXXX XXXX XXXX {$810.00} CREDIT BUREAU XXXX XXXX XXXX Reported : XX/XX/2019 {$3000.00} There are no contracts, no valid claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXXXXXX XXXX, Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my information to fraudulently apply for credit cards and other accounts under my name. I need all those accounts permanently blocked and removed from my credit reports. I'm a victim of identity theft and place an extended fraud alert on my consumer credit files