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

I used my credit card for a major renovation in my home in Guam and was shocked to know that Santander credit card charged me 3 % international transaction fee for over {$300.00} in fees! The fee is high ( gouging! ) and I complained that Guam should not international as it is a US territory. I used my XXXX and XXXX cards there but there are no such fees. I may not have complained if it was a small fee but 3 % is gouging consumers. I called them up to complaint and no fees were reversed. They responded that the only exception on card agreement for this card are transactions in Puerto Rico and DC. Guam not being mentioned will be considered international. The people in Guam are US citizens and there are XXXX US troops there plus families ( XXXX  and XXXX XXXX ) - they will be gouging these people for 3 % transaction fee each time. For one it is wrong to consider Guam as international transaction when I understand to be domestic under the US banking system ( US Fed Line ) and US currency ... .I also learned that there is no additional interchange fee from Visa or Mastercard for merchant transactions in Guam why charge the consumer extra fee? Second, 3 % is exorbitant. I think this is not a fair practice to tens of thousands US Troops assigned in the island and the US citizens that live there. I promptly closed my account with Santander but I wanted to bring this to your attention so they do not gouge others.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX  XXXX Bankruptcy XXXX. CXXXX XXXX XXXX XXXX XXXX XXXXXXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Keep getting calls about being past due and late, when paid before late date. Also calling people that are not on loan and even tied to my loan after being repeatedly told not to call them. They stepped out of line calling a family member thats not even on the loan
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report. As a victim of a data breach, I have discovered fraudulent activity associated with my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and XXXX ( b ), I am entitled to have these items blocked and removed. 
Fraudulent Accounts to XXXX and Delete : XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$8700.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1000.00} Fraudulent Inquiries to Block and Delete : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$5700.00}, {$9100.00}, {$14000.00}, {$11000.00}, {$13000.00}, {$10000.00}, {$6000.00}, {$14000.00}, {$0.00}, {$4000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account. 










2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

12. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 

The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : XXXX. 
XXXX : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

XXXX/2018 I called the company to respond to a demand letter. 
There were many personal questions they were asking including information about my medical history and prescriptions.
Product: Mortgage

My husband and I closed on a new mortgage loan from XXXX XXXX XXXX on XX/XX/2022. Since that closing date on the new mortgage, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, KS XXXX, has been attempting to get a final pay off amount from Fay Servicing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. Fay Servicing won't give them a final payout amount. My husband and I have made two payment amounts to Fay Servicing in order to clear up this situation : one for {$1700.00} and another for almost {$5000.00}, Fay Servicing continues to add interest in the amount of 7 % and continues to harass us to pay. We feel that this practice fits the definition of extortion. XXXX XXXX XXXX doesn't seem to know what to do to end this horrible situation. We need someone to tell Fay Servicing to give XXXX XXXX a final pay-off amount so that this situation can be taken care of.
Product: Credit card or prepaid card

Problems with XXXX transactions showing up on this account when I did not make and I did not authorize any such transactions involving XXXX.
Product: Credit reporting or other personal consumer reports

Do you have any idea how stressful it is to be constantly worrying about your credit score? I have been thinking about how negatively this affected my life during emergencies, only to find out that there are errors and inaccuracies being reported on my credit file.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that TransUnion, XXXX and XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards, auto loan accounts, personal loan accounts and auto loan accounts opened as follows. XXXX Dept of education loans on XX/XX/XXXX Acct XXXX ), XXXX XXXX XXXX  XXXX accts on XX/XX/XXXX ( Acct XXXX ), XXXX XXXX XXXX XXXX on XXXX ( ACCT XXXX ), XXXX XXXX XXXX accts on XXXX ( Acct XXXX ), and XXXX XXXX XXXX XXXX accts on XXXX ( Acct XXXX ). 
I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX BALANCED {$1200.00} XXXX XXXX  BALANCED {$15000.00} XXXX XXXX XXXX XXXX BALANCED {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have too many inquiries that have been affecting my credit and generally way of life to get the simplest credit card. I get denied for everything. Come to find out I dont recognize almost 98 % of those inquiries. 

I asked XXXX  to show me proof of me inquiring for those accounts. I know they cant. But they needed up considering all of them accurate. So I requested proof from them. Waiting to hear back
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in   XXXX   XXXX     I submitted a dispute with Experian stating that   XXXX   XXXX   which is a  3rd p arty debt collection for  XXXX  was not mines and should n't be on my credit file and I did n't owe them, the account number is  XXXX  after the investigation was completed   XXXX   XXXX   was removed from my credit file on   XXXX   XXXX   XXXX    , then on   XXXX   XXXX   XXXX       XXXX   XXXX   was added back to my credit report {$1500.00} without my knowledge I never received anything from Experian stating thi s 3rd part y agency would be added back to my report I do not owe this company as this debt does not belong to me I actually have  XXXX  now as my  carrier fo r cell phone service so how can I owe them a past debt and have service with them now, I would like to have this removed from my credit file again and not placed back on, this debt does not belong to me.         thank you
Product: Credit card

I purchased a pressure washer from a seller in XXXX on XX/XX/year> and used XXXX and XXXX XXXX to pay for the item. However, I never actually received the item. The seller provided a tracking number from the XXXX XXXX XXXX showing the item was delivered to XXXX XXXX XXXX, which is my zip code, but I never received the item at my house. I checked the XXXX website since XXXX would be the final delivery partner, and their website show no status is available for Tracking # XXXX. XXXX denied my claim for their " transaction protection warranty '' because the seller did provide a tracking number -- this is infuriating that XXXX would side with the merchant without actual proof of delivery like a picture, or a signature. I feel this is a scam from the XXXX company that knows that they can simply show a status of delivered, and they know XXXX will side with them. I have found references to this scam in several websites online.
Product: Credit card

Dear Wells Fargo Bank, I am writing to express my dissatisfaction with your handling of my dispute regarding a fraudulent charge on my account. I filed a dispute on XX/XX/year>, and provided all the necessary documentation to prove that I did not authorize the transaction. However, it has been more than 30 days and I have not received any update or resolution from you. 
I feel that you are using tactics of negligence and delay to avoid processing my dispute. This is unacceptable and unfair to me as a loyal customer. I have been with Wells Fargo for over 2 years and I expect better service from you. You have a legal obligation to investigate and resolve disputes within a reasonable time frame, as stated in the Fair Credit Billing Act. 
I request that you expedite the resolution of my dispute and provide me with a written confirmation of the outcome. I also request that you refund any fees or interest charges that resulted from the fraudulent charge. If you fail to do so, I will escalate this matter to the Consumer Financial Protection Bureau and seek legal action.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I understand the importance of removing any incorrect information from my XXXX XXXX  according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Product: Money transfer, virtual currency, or money service

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with the Bank of America.

Please see the attached XXXX  file.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXX  ) that you, the reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of everything mentioned in the resolution section of this complaint. 
These accounts have resulted in several fraudulent hard Inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint in previous complaints as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

What would be a fair resolution to this issue ) : I request, pursuant to FCRA XXXX XXXX XXXX XXXX XXXX ), that you block/REMOVE all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address associated with this complaint. 

Since it was stated the account was " verified, '' in previous complaints.I will like to know the Method of Verification ' and exercise my rights under FCRA XXXX ( XXXX XXXX. XXXX ) which forces you to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information used in order to retumn a " verified '' response to the initial CFPB complaint or delete all contested items in the initial CFPB complaint/FTC report .
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I went to my courthouse to ask if they report bankruptcies to the credit bureaus. They gave me a letter stating They do not report any bankruptcies to anyone. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to 15 USC 1681.

The credit bureaus violated my given rights under 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

According to : 15 U.S.C 1681 section 602 A ( 4 ). I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I received a telephone call from a company who say they are mediators. There name is ARA. They left a message on my voice mail. I got a call from my ex husband who I have not spoken to in over 20 years. The voice mail message he got was the same. The message is saying that I had committed fraud. Message ... 
I am calling to take action for defendant by the name of blank. Date of birth XXXX XXXX XXXX. This is XXXX XXXX XXXX (? ) XXXX making contact with you from the processing and summons division out of XXXX XXXX XXXX XXXX in reference to a complaint filed regarding fraudulent activity link to your name and social security number. I was unable to reach you by phone etc. 

When I called them they would not tell me what I wanted to know and were very rude. They had no legal right to contact my ex husband. My sister said she also had a call and said she felt it was a scam. The phone number that called us is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account on my XXXX and Experian account is reporting a balance on my account as of XX/XX/XXXX. This account was transferred to XXXX XXXX XXXX In XX/XX/XXXX, I paid a settlement on this account with the collection agency. This account is not showing as settled and a balance is still being reported was being reported as of XX/XX/XXXX. I have disputed this account several times and Experian and XXXX and instead of reporting the account correctly both credit bureuas have removed the payment information as Unknown on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of a public record from all 3 credit bureaus this inaccurate information id detrimental to my living status enabling me to obtain proper shelter.. XXXX conducted proper investigation and removed the public inquiry but transunion and XXXX have not I have also contacted to court to see how vaildate this public record and they indicated they do not. I allotted time to complete investigation but my life is taken drastic hit from the inaccurate public record
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a member of credit karma, I saw that I was eligible for credit cards due to my credit ( pre approved ) I signed up for the cards then got a email saying I could not get them due to my credit which credit karma was advertising then to me, which resulted in my credit decreasing more due to trying to get the cards they said I was pre approved for. I think they are doing false advertising and causing people to try to get them.