23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My husband and I have a Bank of America Visa account My Name is XXXX XXXX XXXX XXXX XXXX XXXX has a XXXX XXXX Card and they confuse our XXXX names. Three years ago they had her information linked to our account. At that time I took this to the local branch to have it resolved. Last week I received a e-mail addressed to XXXX XXXX XXXX in regard to the branch visit on XXXX XXXX, 2015, I called to Bank of America fraud division and they stated she gave them our e-mail address., I 'm sorry but our e-mail is very different and not many people know the name. When I tried to take the survey to correct this and tell them that I did not visit the branch they gave me a pass word assume to XXXX XXXX XXXX account. We do not know if they have given our information out to this lady. How can a person be assured that this is not the case
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, Social Security Number ending in XXXX, XXXX : XX/XX/XXXX ; here is my Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit 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 consist of a personal credit card account opened at XXXX on XX/XX/XXXX, under the account number XXXX, an insurance policy opened at XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) on XX/XX/XXXX, under the account number XXXX, a mobile line account opened at XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX XXXX ( Original Creditor : XXXX ) on XX/XX/XXXX under the account number XXXX, a fraudulent account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 # XXXX and # XXXX 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.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 23. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 24. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 25. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 26. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 27. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 28. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 29. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 30. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute falls under several categories. I had fraud on an active target account. My identity was stolen and a vehicle, credit card and numerous other trades were compromised or opened without my authorization. I have file XXXX XXXX etc and this account was dormant with no activity for years. Now its showing charged off. I dont owe it however to close on my home I paid it at closing in XXXX. The reporting is inaccurate.. didnt owe it because it was fraud.
Product: Mortgage

i have XXXX accounts serviced by Specialized loan servicing on XXXX seperate properties. There are XXXX different amounts XXXX for {$590.00} and XXXX for {$490.00}. 
these XXXX properties are right next door to each other so properties are similiar which XXXX lead the lend to some confusiton. This service lender has handled my accounts for over 5 years with out a problem until the last XXXX months when they applied my payments to the wrong account resulting in XXXX account being overpaid and the other short. for XXXX months i have spent over an hour working through their automated system to get to a live person.For the past XXXX months i get daily messages telling me to call them. Each time after much effort i get them to correct their problem. i send payments from electronic payments from my bank. i verified that the account numbers are reflected on the checks so their should be no problems matching up the payments. Today i tried to reach out to a supervisor. After working through their automated system and speaking with a customer service representative XXXX. i was cut off. over the past XXXX months i have spoke with XXXX, XXXX, and XXXX to name a few without resolving my problem. thank you for intervening and resolving my problem XXXX
Product: Credit card or prepaid card

On or about XX/XX/2022, I purchased online 2 boxes of XXXX XXXX XXXX XXXX XXXX for {$150.00}. I never received a confirmation email for my purchase!! I then looked at my credit card account and saw that a company named XXXX was listed for the purchase. That wasn't the name of the company I purchased it from, but I assumed everything was okay. I waited and never received my purchase. I assumed the delay was due to all the trucking issues we have been having in the U.S. 

On XX/XX/2022, they delivered via USPS a XXXX XXXX XXXX from XXXX AND from a different company that XXXX! At first, I assumed the XXXX XXXX  came from an order that I had cancelled on XXXX since they were out of stock for a color that I had wanted on a XXXX I had ordered. I thought the XXXX store sent it as a gift. I put it out in the garage for trash. However, I later found out through Capital One that this was supposed to be my 2 boxes of USA XXXX! 

I have sent Capital One ALL the information I have, and they refuse to credit my account for the scam. I even gave them information from XXXX XXXX XXXX to show that several other people have been scammed by this same XXXX company and received a XXXX XXXX!! 

I can not return the XXXX XXXX to the company because the XXXX Utah address shows no mailing address. I have searched for it. Furthermore, the XXXX website says that in order to return to them, you need to provide the confirmation number ( which they conveniently never sent me )! I emailed XXXX twice for my confirmation number so I could return the XXXX XXXX, but they have never responded. I also called their phone number and have received nothing but a busy signal!! The XXXX website also says to NOT mail a return item to the address on the website but that they will provide another address! How can they provide this address if they never answer their phone or respond to emails? I have copies of my emails sent to them. I also have a printout from my XXXX account to show I have never received an email from XXXX.
Product: Credit card or prepaid card

I called them today to have them change the address. They refused to accept the info to send me new card since this card was expired. The card was from XXXX  XXXX for the XXXX... money goes into the card for medical purposes so when I tried to use it last XXXX or XXXX, 2021. It was not working. The money is still there..about {$330.00} or under. The call staff wont mail me the new credit card and wont change my current address. They have my old address which I do not even remmy which address they had. They refused help me further and are WITHHOLDING MY XXXX MONEY! My own money!!
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX..... Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has 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 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  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 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: Checking or savings account

On XX/XX/XXXX, I received a phone call from an employee at a local branch oif the bank that I have my commercial accounts and some personal accounts. The lady asked me if I had written any checks to a certain person who had come in and cashed XXXX checks each for {$2000.00}. I told her that I had not even heard of the person, nor had I written any checks to anyone with that name. I was told that he had come in and cashed check numbers XXXX and XXXX each for the same amount. I immediately went to my office and saw in my checkbook register that I had written check XXXX to XXXX XXXX for {$130.00} and that I had not even written check number XXXX yet. The branch employee told me that he apparently had stolen the check XXXX to XXXX out of a mailbox ( presumably XXXX XXXX ' mailbox as I mail all of my mail from Postal Service boxes ). The branch employee, who was extremely helpful to my wife, who was with me at the time, and me. She guessed that the perpetrator had then whitewashed check XXXX and created check XXXX and then written himself XXXX checks for the same amount and forged my signature. We decided to put a freeze on my account, and then a bank employee would call me each morning to get my approval to clear any checks or ACH payments that I had done that would hit my account. I also filed a police report the same day that I was notified by the bank XXXX this XXXX ( XX/XX/XXXX ). A commercial account XXXX from XXXX then got in touch with me to help me navigate the situation and offer guidance as far as getting a new account set up. This person, who has been helpful, emailed me on XX/XX/XXXX, and told me that the bank 's fraud detection team had reviewed the situation and determined that the bank had no negligence, and that the only way for me to get my money back was for an arrest to be made and for me to sue the perpetrator myself to have a chance to re-claim my money. Nobody from the police department nor the bank has been back in touch with me to let me know that an investigation has been started. I called the police department the week of XXXX, and the XXXX who I filed the report with had done nothing with it. I told the commercial account XXXX that I had been a customer of their bank or it's predecessors since the XXXX 's and that this was unacceptable. She then said that she would try again, and then a few days later emailed me to tell me that they still would not cover it. This is why I am filing a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus as well as XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$920.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX Miscellaneous and public record XX/XX/scrub>XX/XX/XXXXXX/XX/year>
Product: Credit card or prepaid card

Received XXXX Credit card statement with bill close date XX/XX/XXXX. With return and payment all amount due on that bill was paid before due date of XX/XX/XXXX. New bill came in with closing date of XX/XX/XXXX which included a purchase on XX/XX/XXXX ( after the XX/XX/XXXX closing date ), Was charged a XXXX late fee for the purchase that was made after the XX/XX/XXXX closing date of the previous bill. Called and complained and they said would do me a one time favor of deleting the late fee. Called a second time and they still believe it was correct and would not understand how it could be late if you only billed me on the XX/XX/XXXX bill and the previous bill was paid in full. 
In all my years experience with store, bank credit cards this is never done and I believe XXXX Department store is doing something that is illegal.
Product: Credit card or prepaid card

I placed an order on XXXX using my Chase Freedom credit card. The detailed information of this transaction is given as follows : - Date of the transaction : XX/XX/2021 - Order Number : XXXX - The amount I paid to the business : {$1000.00} Details of the complaints : I received the wrong products for my order. The details are explained in the attachment ( XXXX dispute ). I called and emailed to contact XXXX customer service for a replacement of the order starting in XX/XX/2021. I tried multiple times. However, the business did not resolve the problem for more than two months. 

I filed a transaction dispute on my Chase credit card for a partial refund ( I subtracted the matched products from my order and therefore requested a partial refund for the products I never received ). However, the Chase bank denied my dispute. The notice letter is also attached to this request ( XXXX ).
Product: Money transfer, virtual currency, or money service

I am filing and complaint against Cash App ( Block, INC. ) due to inadequate costumer service and unfair practice, which violate the Consumer Financial Protection Act ( CFPB ). 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 noOt comply with error resolution requirements under Electronic Fraud Transfer act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and finical loss. and I seek appropriate redress for these violations.
Product: Checking or savings account

Account opened with bank despite security freeze on file. I have freeze in place on my credit files and XXXX XXXX. The bank opened the account anyway. 
Confirm account closure, confirm what identification was used to open the account despite freeze. I want time and date account was submitted for open. I can not tell what was provided to open the account.
Product: Vehicle loan or lease

I purchased a new Hyundai Elantra Hybrid. The finance officer offered me GAP insurance for my loan. I agreed. Unfortunately 2 weeks later I was involved in an accident that totaled my new car. I initiated a claim and the car company was slow in doing the paperwork. I had to call them and the GAP company multiple times over multiple weeks in order to even get the GAP claim started. This started on XX/XX/XXXX ( initial claim date ). This was nearly a month after trying to start the claim. The car was XXXX on XX/XX/XXXX. On XX/XX/2023 I received notice that I would receive no payment. It appears that they are showing a {$4000.00} deductible on the GAP claim. I do not recall any sort of disclosure telling me that there was a {$4000.00} deductible. Signing up for GAP insurance on a XXXX XXXXXXXX car that I traded in a car for XXXX XXXX  plus for would not have made any sense. In fact I know my boyfriend who is a XXXX at a XXXX XXXX would have raised all heck if I had bought a GAP policy with a {$4000.00} deductible. That would defeat the point of the policy. I feel that I was cheated, sold a lie, injured financially, and subjected to business practices that are dishonest and misleading. I feel that I was ripped off.
Product: Credit reporting or other personal consumer reports

Subject : Goodwill Request for Late Payment Removal I hope this message finds you well. I am writing to formally request a goodwill adjustment concerning a late payment reported on my account at Barclays Bank Delaware I want to acknowledge the late payment and sincerely apologize for the oversight. This was a one-time occurrence and not reflective of my overall payment behavior. I take full responsibility for the delay and have since taken steps to ensure it does not happen again. 

I have been a responsible customer with a history of on-time payments, and I value my relationship with your organization. I respectfully ask you to consider removing this negative mark from my credit report as a gesture of goodwill. Doing so would be immensely helpful as I continue working toward my financial goals, and I believe it would reflect the otherwise positive standing I have maintained with your company. 

Thank you for your time and understanding. I hope you will consider my request, and I appreciate the opportunity to continue being a valued customer. 

Sincerely, XXXX XXXX
Product: Debt collection

To Whom It May Concern : Radius Global Solutions LLC has illegally reported a business debt to my personal credit, tied to an XXXX LXXXX XXXX XXXX, for which I was NEVER a guarantor. Ive already sent them a certified letter explaining this and demanding removal, but theyve ignored me. They have also failed to mark this item as disputed as required by law. 

Ive given them more than enough time to fix this and have already sent multiple letters, including XXXX in XXXX. This is a violation of the FCRA, and its costing me. My recent loan applications have been DENIED because of this erroneous report. I will seek the maximum available damages under the law. 

You have 15 days to ensure this debt is removed, or I will file a lawsuit against Radius Global Solutions LLC. Ive already won 7 lawsuits against other debt collectors, and this will be no different.

Fix this now. 

Sincerely, XXXX XXXX
Product: Debt collection

I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article 809a of the FDCPA
Product: Debt collection

TSI XXXX XXXX XXXX XXXX, DE XXXX Consumer Hotline : XXXX Consumer Hotline Fax : ( XXXX XXXX XXXX Have been calling me about a debt that does not exist. I contacted the company they represent, XXXX XXXX who indicates I do not have any debt with them. TSI is persistent in the calls. XXXX XXXX has been notified. THE CFPB needs to strengthen its resolve to protect the consuming public. Errors are permitted by the likes of XXXX, XXXX, XXXX and countless others not reported. There should be some type of real penalty. 

Double standards - CFPB should help find equity in consequences.