23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was on vacation in XXXX. I was only supposed to be charged XXXX for my cab fare. However, the cab driver took advantage of the fact that I was traveling and instead charged me XXXX on my credit card. He then proceeded to say he did n't understand how to refund it, and he also refused to provide me any paperwork. I had to catch a flight, so instead of continuing to argue with him, I left and decided I would contest the charge with my credit card company. However, now my criedit card company is saying that there is nothing else they can do regarding the dispute process and because I do not have any paperwork ( since the merchant REFUSED TO PROVIDE ME WITH ANY ) there is nothing they can do, and that my credit card will be charged. I disagree with this practice. The charge was a fraudulent unauthorized charge and my credit card company refuses to assist me.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from Barclay 's titled " ( My name ), earn additional miles this summer ''.

The text stated : " Earn more this summer! Use your Barclaycard XXXX XXXX Mastercard to earn an additional XXXX miles for every {$1.00} spent on grocery store, drug store and restaurant purchases, up to XXXX miles, from XX/XX/XXXX to XXXX1 Plus earn an additional XXXX miles if you spend at least {$3000.00} on purchases from XX/XX/XXXX to XXXX.1 Remember, this is in addition to the miles you already earn with your Barclaycard XXXX  XXXX Mastercard . 

... 

All miles earned from this promotion will appear on your statement 6-8 weeks after the end of the promotion. '' On XX/XX/XXXX, I made a purchase for {$3500.00} clearly over the {$3000.00} purchases required. I paid this balance off on XX/XX/XXXX. 

So now I have met the requirement for the XXXX points but I had to wait 8 weeks after the XXXX to actually receive my points. 

I waited 7 and a half weeks and DID NOT receive my points. I called Barclay 's making sure that I had met the requirement and should be receiving the points. The call center employee confirmed that I met the requirements but since there were 2 days left until the end of the 8 weeks that I should wait and call again. 

It is now XX/XX/XXXX weeks after the expiration of this offer and I have yet to receive my points. 

I called today and they said that they have opened a case and that it will take up to XXXX billing cycles to investigate the case and give me my points. I intended to use these points for a trip in XXXX but now these points XXXX not be even rewarded by then. 

This process is incredibly broken and when consumers activate a promotional offer, they should be given the points without hassle.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote experian already and submitted a complaint and they ignored me completely. Someone is tampering with my credit scores. I have zero late paid bills in 8 years or more. My total debt on XX/XX/XXXX was XXXX $ and my score was XXXX since that date my debt has dropped by XXXX $ ( actually a lot more but hasnt updated yet ) and my credit score has dropped by XXXX points and is now XXXX. How can my billing history be spotless for 8 years, all my bills are paid on time and I paid down my debt and my score was lowered by XXXX or more? I have to get a car loan and I need good credit this is illegal and fraudulent maybe because of a certain celebrity I know ex lover bullying me I dont know please fix it. My XXXX credit score is XXXX and its still hasnt reflected the XXXX $ drop in debt. That is illegal. Please correct this error fast I have a rental car charging me XXXX $ a day thank u very much, XXXX XXXX XXXX.
Product: Mortgage

on XX/XX/XXXX I made a payment to my mortgauge company XXXX XXXX XXXX in the amount of {$680.00}. My mortgauge was then sold off to homepoint mortgauge services on XX/XX/XXXX. The payment I made on XX/XX/XXXX was not transphered with the paper work to Homepoint at the time but I was told by XXXX XXXX XXXX  that the transphere would take place on XX/XX/XXXX. So not wanting to risk a late payment since my payment was due on XX/XX/XXXX I made a payment to homepoint on XX/XX/XXXX, they with drew money from my bank account and sent a confermantion paper to me. On XX/XX/XXXX they modified my payment amount to {$0.00} and did not refund me any money and are not saying my payment is again due on XX/XX/XXXX.
Product: Bank account or service

I was given a business check by a person who was supposed to buy an item from me. The bank cleared and cashed the check the following day ( I trusted the bank to know if the check was good or hold it if there was any uncertainty ). I deposited the check on friday XXXX/XXXX/2017 and the cash was available on XXXX/XXXX/2017. I assumed their was no problem with the check and procceeded to follow instruction of the buyer of this item. I then money grammed the remaining balance after taking out for my item to the person who was supposed to come pick the item up. Everything was fine on my account with {$60.00} something dollars in it to use cautiously because I am a XXXX single mom and need to use every dollar carefully. Around XXXX on monday XXXX/XXXX/2017 I received a decline on my card for a less than price that I knew was in my account. I immediately got in my vehicle and checked my account. It was XXXX! I called the bank immediately and asked them what is happening. The person I spoke to was very rude, I asked if I could speak to someone who understands whats happening and if they were available and I was told " I just told you what to do, I do n't see any reason for you to speak to the branch manager! '' I told her I need to and can you please have her call me. The following day the branch manager was as equally rude explaining only that I am responsible for that balance and that I need to wait until the XXXX and there 's nothing I can do. They said Im not allowed to shut my account down to prevent further fraud. They are expecting my direct deposits ( only income source for the month to support my daughter and I ) this month to go towards their lost balance. I asked about opening a different account and basically the rude first person and her branch manager were standing there in front of me with their arms crossed. I made other calls and have been to the police, fbi and banks. Meanwhile before the check is even deemed fraud on the XXXX they have taken out about six or more and continuing overdraft fees of {$38.00} all circling around this deposit. This is a very upsetting event for me all the way around. I 've had to put my life on hold since the day I trusted the bank to be more knowledgable and helpful in an event. I did n't think for a second the bank would cash something that even has the possibility of being suspicious and trusted them to carry through accordingly. The poor attitudes and unwillingness to help from the staff and even branch manager are very hurtful on top of a crises. After this is settled and they rack up more than their share of my and my daughters living I will never do business with them again!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

it is a online romance digital scam, the guys posts hiring ads on XXXX Then he starts to build a relationship with me to gain my trust. I have wired money from bank of America to a legit Crypto.com, then from Cypto to a fake XXXX XXXX. 
This is the scam site. 
XXXX XXXX XXXX I have lost {$80000.00}, later on XXXX XXXX has confessed to me about the scam, but he says the only way I can get my money back is to introduce more rich people to him. When I have rejected him, he blocked me completely. I have contacted the international anti scam alliance. We figured out he is currently in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover is reporting on my XXXX that in XX/XX/2018 was a 30 day late, in XX/XX/2018 was a 60 day late and XX/XX/2018 a 30 day late. This is not accurate payment history. They also stop reporting in XX/XX/2018 and XX/XX/2018. Then started reporting in XX/XX/2018 without informing me. This is a inaccurate and a violation.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to inform you that I have been a victim of identity theft. I am disputing the account as it was opened without my knowledge, consent, or authorization. Attached is the FTC report from identitytheft.gov for your reference. 

Please proceed with disputing the account, as it was initiated without my knowledge, consent, or authorization. 
XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint against XXXX regarding a item I have disputed on my credit report numerous times..My most recent dispute was received with the results from XXXX on XX/XX/2020 ..Account XXXX from Child Support Enforcement Status Remains Unchanged and Information received Certified.The account is listed as Negative /Derogatory. I spoke to New York State Child Support Enforcement and they said this account was not reported to the credit bureaus because I never had a balance or a past due amount..the account was transferred from another state South Dakota thru interagency communications to New York by error and then almost within a month transferred back to South Dakota from New York per their request..then the account was closed with XXXX  balance in New York..New York State sent me a statement showing XXXX original balance and no balance due or late..I submitted this information to XXXX but they keep reporting on my Disputes that the State of New York is verifying it was a ChargeOff /Collection and Derogatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report. 

Seedfi/XXXX  XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681 b permissible purpose of Consumer Reports, the law clearly states : ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written Instructions to furnish this on my credit report?

Furthermore, the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( a ) ( i ) paragraph states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above reference account and send out a free copy of my credit report after the changes have been made will result in legal action being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil Liability for willful noncompliance ( 15 USC 1681n ) Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to respond to my initial dispute in a timely manner. it has been more than 30 days from my initial dispute and I have yet to receive any response. Transunion is in direct violation of the FCRA on multiple accounts including but not limited to sharing my non public personal information, furnishing a report without my consent or written authorization, Furnishing inquiries on my report that are not tied to any open extensions of credit or authorization from myself and assuring the MAXIMUM possible accuracy of the information pertaining to me and my consumer report. Transunion is in direct violation of the FCRA section 604A ( 3 ) ( a ), 15 USC 1681 ( B ) ,15 USC 1681e ( B ), 15 USC 1681B ( a ) ( 1 ) ( 2 ) ( 3 ) -a, and 15 USC 1681n ( a ) ( 1 ) ( a ) ( b ).
Product: Debt collection

Sent Validation letter ( XXXX XXXX ( XXXX KB ) they sent back a response ( XXXX XXXX ) but failed to show what was requested, sent paper with no signatures & what looks like a template ( not real paper work ) showing amount I supposedly owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion on XX/XX/XXXX and informed the agent that I was a victim of their inquiry issue and that the following inquiries were made without my consent or authorization. The agent refused to listen to my concern or resolve the issue. I am requesting the removal of the following unauthorized inquiries : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX
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 EFFECTIVELY MEASURES TO PREVENT AND ADDRESS FRAUD ON THEIR PLATFORM, LEAVING MY ACCOUNT VULNERABLE AND UNPROTECTED.FUTHERMORE, THEIR DISPUTE RESOLUTION PROCESS WAS UNFAIR AND DECEPTIVE, AS THEY DID NOT COMPLY WITH ERROR RESOLUTION REQUIRMENTS 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 or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1.there is some inaccurate information reporting. 
XXXX XXXX Account # XXXX Delete this account. 

2.there is some inaccurate information reporting. 
XXXX Account XXXX XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account # XXXX Delete this account. 

4.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account # XXXX Delete this account.
Product: Debt collection

IC Systems and XXXX XXXX XXXX received medical debt. This debt is tied to medical information that they are not legally allowed to have under HIPAA laws and therefore the debt is illegal and should be removed.
Product: Credit card

I have XXXX inquires on my credit report from Barclays Bank of Delaware. The dates of the request show XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. These credit inquires were not authorized by me and I ask that they be removed Immediately as I did not authorize them and they are fraudulent inquires.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX I am writing in response to the claim regarding civil liability negligence and non-compliance concerning an account that has been closed. I have thoroughly reviewed the circumstances and the evidence provided, and I dispute the allegations for the following reasons : XXXX. Negligence Allegation The claim of negligence against me is unfounded. I took all necessary reasonable precautions to ensure that my actions complied with industry standards and safety regulations. My payments were made on time but were not accurately reported. 
XXXX. Non-Compliance Allegation Regarding the non-compliance issue, I would like to clarify that I have fully adhered to the relevant requirements of the credit line. There appears to have been a miscommunication or a misunderstanding of the facts that I would like to resolve promptly. 
XXXX. Conclusion Based on the facts presented above and the supporting evidence, I respectfully dispute the allegations of negligence and non-compliance. I kindly request that the claim be reviewed again, taking into account the full context of the situation. Please consider this letter as my formal dispute of the claim. I am asking that this negative account be removed from my credit report. 

XXXX XXXX Acct : XXXX Thank you for your attention to this matter. 

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

Submitted copy of my dispute letters on XXXX company has failed to respond to my letters, complaints, or investigations
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX