23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX  : {$3700.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX BANK XXXX XXXX XXXX : {$5300.00} XXXX XXXX XXXX : {$1200.00}
Product: Credit card or prepaid card

I made a purchase at XXXX using my XXXX Credit card ( XXXX XXXX ) in the amount of {$12.00} on XX/XX/XXXX. 

In XX/XX/XXXX I noticed the amount had not been auto-paid despite the fact that in XXXX I enrolled in autopay. I called in and spoke with an associate to pay off the {$12.00}. She was very kind and said she took care of it. 

On XX/XX/XXXX I noticed that not only was the {$12.00} not paid off, a late fee was added meaning my call in XXXX had not in fact resulted in a payment made. I spoke with a young man who said the associate who assisted me in XXXX accidentally left a dollar on the payoff resulting in a further late fee on my account. He assured me that it did not actually go to collections which I found out later it did. 

At no point in time was I informed of any bills being sent to collections. 

I pulled a credit report in XX/XX/XXXX and saw that my credit took a negative hit due to a XXXX payment of a XXXX charged. I called XXXX  credit card services and spoke with XXXX who informed me that the charge was sent to collections in XXXX and that if the associate I spoke with in XXXX had assisted me correctly it never would have gone to collections thus negatively hitting my credit. 

I asked XXXX to pull the XXXX call logs and simply listen to them and hear that I called and made a good faith effort to pay. She said to do this I would need to send a certified letter to this address and then XXXX Credit Card Services will pull the call records. I sent a letter via certified mail to the name and address of Comenity Bank that XXXX told me to send a letter to. The letter was sent and confirmed receipt XX/XX/XXXX ( tracking number XXXX XXXX XXXX XXXX XXXX ). 

I received a letter from XXXX XXXX " Customer Care '' team on XX/XX/XXXX stating " We are in receipt of your letter ... requesting a goodwill adjustment to the information reported on your credit files. After reviewing our records, we find that we are unable to make any adjustments. If you have any questions, please write us back. '' My letter was detailed and requested a copy of call logs for proof that I called and tried to make the payment. 

I am horrified that an associate did not properly apply my payment and that I now have a hit on my credit due to her error. Credit is not something to be taken lightly and I have always taken my credit seriously. I am saddened that XXXX did not take the time to write a personalized response addressing why they could not make the adjustment. 

Furthermore, the request I am making is NOT goodwill, it 's to correct an error on their part. Please assist!
Product: Money transfer, virtual currency, or money service

I am filling 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: Debt collection

A collection was added to my XXXX report for and lists MBA law as the original creditor opened on XX/XX/year> in the amount of {$1200.00}. I was unaware of this being on my credit report until months later. I did not know who MBA law is and they did not contact me about the collection until XX/XX/year>. At the time of this call, the agent informed me that this collection will not be reported to my credit. Once i received a notification that there was a change to my credit score in late XXXX, I called MBA and they said I was misinformed and that the report was eligible to go on my credit report. On that call, I requested a verification of the debt that they claimed I owed and they had told me I would receive that documentation in the mail within 3 weeks. It is 2 months later and I still have not received any of that documentation. This seems like a very dodgy company and their agents have not provided the requested documentation in verifying this debt. After reading about similar experiences from other XXXX complaints, I do not feel MBA law to be a legitimate collector and I am seriously alarmed at their practices in collecting debt. I am filing a complaint with the CFPB for suspicious/illegal collecting practices. 

The fact that I was not contacted by MBA law until AFTER I was notified of the collections, that I was told that it would not go onto my credit report, and that they have failed to provide any details whatsoever about the debt raises very serious concerns about their legitimacy and collections practices. 

A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. This would fall under the erroneous representation that this debt would not be reported to my credit.

This collections account is illegitimate and I want this account removed immediately from my credit report and I want correspondence confirming that the account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 States : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX XXXX, XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action on this issue. 
XXXX XXXX
Product: Mortgage

Citibank Exe Response Unit has sent me a copy of a falsified closing of a Heloc loan for XXXX XXXX XXXX XXXX.  The document was never seen by me before Citibank supplied it by email XX/XX/XXXX and has a signature for me fromXX/XX/XXXX but was not signed by me.
The document does not accord with the requirements of the Heloc department which has told me that they do not ask for social security numbers.
The document datedXX/XX/XXXX requests that the account be closed immediately Citibank variable rate account source sent by Exe Response shows the account open throughXX/XX/XXXX. I have supplied the document to the Citibank Heloc department attn XXXX ( supervisor ) for verification.
In XX/XX/XXXXper a letter of authorization Citibank was to produce all my documents to me.They failed to produce the mortgage for XXXX XXXX XXXX XXXX NY XXXX I have repeatedly requested these documents and have been told that they are not in their computer. I would like a copy of all mortgage documents including the closing and any loans.
This complaint is related to the complaint you investigated per the letter from the Attorney General concerning the false POA documents to XXXX XXXX  and several other lawyers used without my knowledge on Citibank mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to buy a house so I spoke to a bank lender on what I needed to do to get started. My credit needed to get pulled to determine if I was able for financing. When they received my report they told me my score was to low for any type of financing for a home. I asked him why and I was showed my report. The accounts on my report are not mine. None of the accounts belong to me. I believe some one has stolen my identity. Please remove the fraudulent accounts from my report. 

XXXX XXXX, XXXX. 
XXXX {$250.00} XXXX XXXX XXXX XXXX  XXXX {$2600.00} US DEPT OF ED/XXXX/XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX {$930.00} XXXX  XXXX {$280.00}
Product: Credit reporting or other personal consumer reports

A " Hard Inquirty '' was made on my credit on XX/XX/year> by XXXX XXXX. I did not request or authorize this and I would like it remove. In trying to dispute this with TransUnion, they say the only way they will allow me to do so is by Mail. This is total BS. It's XXXX I need to be able to do this online or this company can go under. It's absurd. What can I send that I can't attest to online? The other credit bureaus have already removed this fraudulent inquiry. TransUnion needs to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent disputes XX/XX/2022 to Equifax, XXXX, & XXXX to remove information under Public Records regarding bankruptcy. Equifax & XXXX have stated two time ( XXXX & XX/XX/2022 ) the information has been verified. XXXX stated the information as verified ( XX/XX/2022 ).
Product: Money transfer, virtual currency, or money service

On the date of XX/XX/year>, the amount of {$1200.00} was sent to me via XXXX mobile app by my colleague XXXX XXXX. The XXXX was backed up to my XXXX debit card. Therefore, it was transferred to my XXXX account. The funds was not accessible to me so I made the decision to refund it and be sent back to XXXX XXXX XXXX. Ive reached out to XXXX support and XXXX and their help has not been helpful. They told me it should refund within two weeks. The longest is a month and we are passed that now. I am now filing this complaint as of XX/XX/year>, which has been 44 days since the transaction. Since then Ive been faced with hardships and inconveniences that this has costed me. I write this from a place of desperation. Please do what you can to help me. I am not rich and this money puts more distance from me and my child in the streets. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company say I owe {$650.00} and I dont have received threathen phone calls and mail to pay something I dont owe.
Product: Student loan

I was denied having my loans consolidated for years. I was repeatedly told subsidizes and unsubsidized can not be made XXXX. Therefore I have n't been able to make my payment and remains forebearance accruing interest on XXXX accounts at 6.6 percent interest.
Product: Credit card

I am writing to file a formal complaint against American Express regarding their mishandling of a dispute related to a purchase made with my American Express credit card. The dispute in question pertains to a ticket purchased from XXXX XXXX in XX/XX/2023, which was misrepresented by the airline and subsequently mishandled by American Express. 

Event Summary : Purchase of Business Flex Fare : In XX/XX/2023, I purchased a ticket from XXXX XXXX, represented as a " Business Flex '' fare. XXXX prominently advertises Business Flex fares as fully refundable at the time of purchase. 

Refund Denial by XXXX : Despite the clear representation and the terms and conditions under which the ticket was purchased, XXXX failed to honor the refund as per their own policies. 

Dispute Filed with American Express : In response to the denial by XXXX, I promptly filed a dispute with American Express, providing comprehensive evidence, including screenshots, demonstrating that the purchased ticket was indeed a Business Flex fare, eligible for a refund according to XXXX 's policies. 

Disregard by American Express : Surprisingly, American Express disregarded the information provided and, without a thorough investigation, sided with XXXX. This action is in clear violation of consumer protection regulations and undermines the purpose of dispute resolution mechanisms. 

I would like to bring to your attention the following specific points that highlight the potential violations of consumer credit card regulations : Misrepresentation by XXXX : XXXX misrepresented the nature of the purchased ticket, leading to false expectations on the consumer 's part. 

Failure to Honor Terms and Conditions : XXXX 's refusal to honor the refund for a Business Flex fare, as per their own terms and conditions, is a breach of contractual agreement. 

Negligent Dispute Handling by American Express : American Express failed to conduct a thorough investigation and ignored compelling evidence provided during the dispute resolution process. 

I kindly request that you investigate this matter thoroughly and take appropriate action against American Express for their failure to uphold consumer rights and adhere to the regulations governing credit card disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX erroneously reported a collection on my report that belongs to someone else. I filed a complaint via CFPB. Upon investigating the complaint, XXXX  XXXX XXXX admitted the information is not mine and agreed to delete ALL collection reporting from ALL credit bureaus. As of today, XX/XX/2019, the collection is still reporting to Experian. I have opened several disputes with Experian directly. I have attached the CFPB complaint and outcome to the disputes. Experian refuses to delete the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to access an y credit score infor mation regarding my credit account with  XXXX  I get an error message after answering the verification questions repeatedly I even tried to access my annual credit report online and on   XXXX   website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I see  two accounts  are positively reporting with them so I know I have a file but every time I try to access my   XXXX   score on   XXXX   or on  XXXX  or discovers scorecard I get locked out I need to be able to access my free   XXXX    fico score  I have similar problems with  XXXX  however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my  XXXX   XXXX   since w e have reported that with the credit companies and an official change of address so I do n't understand what is locking me out
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report late payments on the account listed as XXXX reporting this account late is subjecting me to financial harm. This is against federal law and the consumer agencies know this. They are not permitted to report late payments. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

Equifax reported inaccurate inquiry XXXX XXXX XXXX XXXX XXXX according to 
15 U.S. Code  1681 credit agency must remove verified inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXXt Account # 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 1666 b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Product: Debt collection

I called in the National credit adjustment XXXX  t pay off debt and was informed there was another debt under my information from the loan place called XXXX XXXX  XXXX in XX/XX/2015. This is untrue, and I would like this looked into. The account number is given to me on the phone isXXXX and another ACT IDXXXX