23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$00.00} XXXX Account Number Num : XXXX Balance {$00.00} Dear Sir or Madam, I am writing in regards XXXX on my credit report. I 've enjoyed being a customer of XXXX XXXX since XX/XX/XXXX. Today, I 'm writing to request a goodwill adjustment to my credit files. 

I was a model customer from the time I received my credit card in XX/XX/XXXX, however it has been 11 years. 

Your agency should delete all information regarding the account from my credit files within 10 business days. Please delete the above information as quickly as possible. 

Sincerely, XXXX XXXX
Product: Debt collection

I was told this was a debt from a previous rental agency but the rental agency has no record of me owing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have Bank of America Visa credit card. As part of my benefits I can get reimbursed ones pe year to apply for XXXX XXXX XXXX for me and my wife. By the end of this year my wifes and my XXXX XXXX  Cards will be expired, and I decided to renew both cards. To verify my benefits I called Bank of America customer support, and person confirmed that I and my wife will get reimbursed for XXXX XXXX Cards renewal. After I completed renewal online, I received reimbursement only {$100.00} for me, but not for my wife. I called Bank of America customer support and after being on hold and selecting all options to connect to the right representative for almost 45 minutes, I finally spoke with XXXX representative. Thank conversation was absolutely useless since did not know the issue and forwarded my call to U.S. Customs and Boarder Protection hotline. I could not understand how U.S. Customs and Boarder Protection office can help me with Bank of America credit card rewards benefits. I called back and spoke with XXXX representative. At least he was some how helpful, and created case number to escalate this matter. A week later, after I did not receive and feedback from Bank of America, I call the again and spoke with another representative. Unfortunately, representative told me that my refund was denied because I have only {$100.00} refund per year. I explained to her that I was given false information then I call to verify coverage. I told her if I knew I have a limit, my wife has her card from XXXX XXXX with the same coverage, and I would use my card for myself, and my wife will use her card for herself. It was impossible to get through her and later through her manager. They bot did not have any empathy and willing to help and resolve this issue. It was like hearing pre-recording message We Decline your claim. I told them I have checking account, Visa Card and HELOC account with Bank of America, but now I may look somewhere else when my next cycle to renew my Visa card, and I will move to other banks who treat their customers with dignity and respect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, JPMC is reporting/furnishing incorrect dates, amounts, negative items and false payment history to my credit report based on the insufficient investigation results. This intentional XXXX  discrepancy need to regulated and removed. 
- The charge off dates are years apart and incorrect - Status update dates are years apart and incorrect - The payment history are years apart and incorrect Based on the before/after results the following issues got worst : BEFORE COMPLAINT RESULT Account name : JPMCB CARD Account number : 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 JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Goldman Sachs credit card ( for Apple ) is falsifying credit card dispute investigations, so that they can deny the disputes, and not follow the rules of engagement for XXXX!!!! 

XXXX XX/XX/XXXX : i made a purchase for my XXXX pool heater display part via website XXXX XXXX XXXX XXXX XXXXXXXX? XXXX > never received an order confirmation email and never the purchase that was very much needed >. filed a dispute with Goldman Sachs. The website was a fraud and no longer accessible by this time and the address for the transaction posted on my statement was false! I provided GS with the URL and screenshots of the product order. 
TRANSACTION ON STATEMENT : " XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX '' > over two months later, I received an email from Goldman Sachs telling me my dispute was denied based on proof that I recvd my purchase. Of which is 100 % falsified!!! 

> I've escalated four times with their " representatives ''. I have been promised the dispute was re-opened and I will be contacted., then later promised they were mailing me copies of everything, I have been denied a phone call from their security/investigation department. I have been denied a return phone call from their customer advocacy department or mgmt. And the mastercard charge has been put back on my credit card!! 

as a matter of fact, I spent the entire summer still looking for the part I needed. And found it in late XXXX. I can provide proof of that too if needed!!
Product: Debt collection

THE COMPANY, MERCANTILE ADJUSTMENT BUREAU, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate 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. 
According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. 
Your failure to verify* this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.
Product: Credit card

I am a customer/consumer of the financial institution Barclays and its subsidiaries/parents/affiliates/etc. 

Title 15 U.S. Code 6801 states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Barclays is a financial institution by definition in this Title, and its failure to abide by privacy laws has both harmed and inconvenienced me.

I provided opt out instructions to Barclays in XXXX XXXX via the online messaging center in my accounts portal. My instructions were not complied with, as evidenced by Attachments 1, 2, and 3, which are consumer reports showing my account information furnished after my opt out notice. Barclays continued to report my personal information after receiving my opt out notice, which violated consumer privacy laws.

Additionally, instructions were provided through the messaging system because no reasonable means to opt out was provided as required by Title 15 U.S. Code 6802 which states, ... a financial institution may notdisclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided the consumer a notice that complies with section 6803 of this title. Barclays never provided a REASONABLE means to opt out that was CLEAR, CONSPICUOUS, COMPREHENSIBLE, SUCCINCT, and OTHERWISE REQUIRED by 15 U.S. Code 6802, 6803, and 12 CFR 1016.7.

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I am now elaborating on my original instruction to eliminate ambiguity. Barclays does not have my consent to, and shall not, report, share, sell, give, or otherwise transfer my nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report I am showing a past due balance for the XXXX XXXX XXXX at XXXX XXXX which has been paid in full since XXXX XXXX, 2017 which should have been rectified to all three credit bureaus. I was told once the issue is resolved my credit score will increase or will go back to what it was before I had this debt which I slowly paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX XXXX XXXX XXXX to pay a debt owed to XXXX XXXX XXXX at a reduced rate. % 50 of what is said I owed. I opted to do this. So I paid the amount and asked for a receipt, which they sent me. And I expected to have this removed from the credit report, but alas after many, many attempts to resolve this. and speaking to many people both with the XXXX XXXX   and supervisors, and the credit reporting agencies involved, nothing has been done. They both seem to pass the buck, even with documentation. ( which I have enclosed ) This has been going on since XX/XX/2017, and still reported as owed on my credit report. The reporting agencies, both Trans Union and  XXXX, say maybe this is a new claim #, so I disputed again, and then again, with the same outcome. And it is the same claim # XXXX ... .... I do not know what else I can do.
Product: Credit reporting

Previous CFPB compliant XXXX. 
NCTUE claimed to have mailed consumer report on XXXX/XXXX/15. 
No consumer report was ever received.
Product: Debt collection

XXXX XXXX has a huge problem that needs to be corrected. I've contacted them at least three times and it continues. They have refunded this small amount each time but it's abuse that needs to fixed. I have many credit cards and they in my opinion are predatory in nature hoping a {$2.00} charge will possibly turn into a {$35.00} late fee etc.

An example is they send a bill for lets say {$130.00}. I pay the {$130.00} well before the due date and they cash the check. They post the payment, show it as " on time '' and then send another bill for {$2.00}. This is not only insane but illegal. If you pay the balance in full before it's due that's it! They send these bills hoping you'll either pay it or they can get additional fee income with late fees. Can you say XXXX XXXX? I have already contacted an attorney and have documents stating they've done this on multiple occasions. No other card sends a bill after payment in full before due date. I've spent way too much time and this is on principle as XXXX XXXX  is taking advantage of people.
Product: Credit card

On XXXX XXXX, I made a payment to clear the balance on the account. Usually, when you make a payment the balance is updated immediately and available for use. This time it wasn't. So I waited and some hours and tried to use the card and it was declined numerous times. I contacted the company for help since I had never seen this happen before and they tell me that the payment is " on hold ''. They went on to explain that this process can take up to 10 BUSINESS days. So naturally, I asked why have I had this card for over a year and this is just now happening? The representative refused to answer the question or give any further detail but repeating the 10 business day statement. I am writing this complaint now on XXXX XXXX as I still can not use the card even though the payment has now completely cleared my bank and is no longer pending. Additionally, I had to dispute XXXX charges on this card back in XXXX and the disputes are STILL pending!? When I called to ask questions about this, all that anyone could keep telling me is that the process can take up to 90 days. 90 DAYS?! So in that time I have not had access to the full balance of the card and only about half of it for the past 90 days because they have still not resolved these disputes. Lastly, I have requested a credit line increase since I have had this card about XXXX times and have been declined every time with no explanation. My credit score has actually improved within the last year and still declined. It wasn't until that I did my research on these issues and complaints with this card until I noticed that this is a common trend and they have been in hot water for worse but released issues.
Product: Credit card or prepaid card

On XX/XX/2023 at XXXX, I got an email saying " Welcome to XXXX! '' - Around the same time, I got another email stating a hard hit inquiry was detected on my credit by my identity theft protection " XXXXXXXX XXXX ''. On XX/XX/2023 at XXXX, I found out the contact information for " XXXX '', called to ask about the inquiry, and they directed me to their bank " Synchrony Bank ''. I was told that an application was filled out in my name I told them to cancel the application and was directed to Synchrony 's fraud department where I gave them further information. I am in the middle of filling out an investigation kit throught my identity theft protection " XXXXXXXX XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

dispute submitted thru cfpb and was sent to the company. they state they reinvestigated the dispute however it is not possible for them to have reviewed all of the documentation I sent, then sent to their 3rd party vendor for review in order to just tell me the item remains unchanged from processing of my previous dispute request. I provided a multitude of additional documentation along with the complaint still no reinvestigation into this dispute. this is clearly a violation of my rights under the FCRA and I am now requesting the agencies method of verification in addition to the 3rd party vendor they use Lexis Nexis
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts, addresses, and inquiries was open without my permission. I have contacted XXXX Equifax and XXXX about this fraud issue but not resolved despite my federal trade commission affidavit and police report submitted Accounts XXXX XXXX XXXX, XX/XX/XXXX, {$15000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$510.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$15000.00} XXXX XXXX  XX/XX/XXXX, {$2800.00} Inquiries XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide permission or instructions or the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made and error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 XXXX XXXX XXXX XXXX You are required to do what Im asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Mortgage

I was misled whenn indicating the loan. I was told my first payment would go to the principal prior to the first months payment being due. And the took th first payment out of the principal payment I made. They I searched for an annual percentage rate on the loan or the amount of interest on the revolving account. They only have fees in the amount per lending and they quickly approved me for the loan while less that a quarter of my payment was going to fees. And that I would end up paying them XXXX to pay off a XXXX loan. Which was not in any paperwork nor did they have the amount that would be deposited into my revolving account. In Michigan it is XXXX to write a contract for not more than 7 % interest. Since I was, misled on the payment I spoke with management to recind or reconsider the payment on the contract they declined to negotiate at first then made offer to make payment of XXXX and past due would be taken care of and account would be up to date. If I wanted to continue doing business. After the XXXX payment was made to on the agreement. XXXX reached out telling my my account was due {$740.00}. Attempted to modify the contract with out my consent the agreed was from the signed by me.
Product: Debt collection

I have repeatedly spoke with XXXX, their customer service, analysts, XXXX offices and above all whom I can talk to and I received no resolution. I returned the equipment that was presented thar they required. This service and their charges were outrageous!! My information has been passed from collection departments to True Accord.
Product: Debt collection

I

attempted to apply for a credit card from Chase Bank for a United Explorer Card. Chase informed me that my request was rejected because my credit report showed that I had {$16000.00} owed to XXXX from XX/XX/year>. 

This is the first time I have heard of this.

I have not had any financial interactions with XXXX. I am not sure what Chase is referring to, but Chase suggested they could not give any more information.

I contacted XXXX, and they could find no record of any debt that I owed them, much less any other business I had had with them. I gave them my email address, various phyiscal addresses over the past few years. They found other XXXX XXXX but none with any of the addresses, etc, I provided. 

I am not sure what to do.
Product: Debt collection

ON XXXX I RECIEVED A PHONE CALL FROM MY DAUGHTER INFORMING ME THAT DIVERSIFIED CONSULTANT INC WAS CALLING HER PHONE TRYING TO GET IN TOUCH WITH ME. SHE STATED THAT THEY CALLED HER 3 TIMES IN A SPAN OF 10 MINUTES AFTER SHE TOLD THEM I WAS HER FATHER AND THAT SHE WAS NOT GOING TO GIVE THEM MY NUMBER. SHE TOLD THEM SHE WOULD ASK ME TO CALL THEM. I CALLED THEM AND SPOKE TO XXXX. SHE STATED THAT I OWED A XXXX BILL. I TOLD HER THAT WAS NOT TRUE AND THAT SHE IS NOT TO CALL ME ANY MORE. THAT WAS AT XXXX CST. LATER IN THE DAY AT XXXX THEY CALL ME AGAIN. I ASKED THE PERSON IF IT WAS DOCUMENTED IN THE SYSTEM NOT TO CONTACT ME AND THIS PERSON SAID YES. I THEN ASKED WHY ARE YOU CALLING ME? SHE COULD NOT ANSWER MY QUESTION. I ESCALATED THIS TO THE COMPLIANCE OFFICER AND SHE WAS NOT MUCH HELP.
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 violates 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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.