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

I would like to dispute off the following negative accounts on my credit report. 

Experian : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/24 I went for a routine Dental checkup. I was told I have soft teeth and the only thing to prevent them from chipping apart would be to crown most of them. This was over XXXX total. My insurance doesnt cover anything. I told them I would call back the next day and book my procedure. As I stated looking online I noticed the rates were higher than other places. So I decided not to proceed. Then on XX/XX/XXXX I received a bill from Alphaeon credit for over {$300.00} in interest and late fees on something I never even got done! No service was rendered. They did not call to follow up or anything, I had decided to just go to XXXX for my dental work after I get my passport.
Product: Debt collection

I am writing this in regards of a item being reported as collections, Under the Fair Debt collection practice act ( 15 usc 1692 ), i requested validation of this debt. This company couldn't not provide me with any information about this debt, so it has been reported incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote dispute letters and sent in my FTC identity report to XXXX because I strongly believe the accounts I disputed is subject to identity theft. I was told by one of their customer service representatives that they do not investigate disputed items. The representative informed me that all dispute letters sent in will only be verified through mailing addresses only and if it comes back with my address on it then they will do nothing and it will remain in collections for 7 years. My dispute process also took longer than 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tonight I called XXXX XXXX dispute department requesting for Hard inquires to be remove from my transunion credit report, they have no information on file about me, was very rude telling me to contact transunion which I already did. no permissible purpose and unauthorized. 
here 's my credit inquires from XXXX XXXX/XXXX  Inquiry from XX/XX/2018 XXXX/XXXX  Inquiry from XX/XX/2018 here is there dispute info XXXX/XXXX   XXXX XXXX, SD XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit inquiries on my credit report are not mine, inaccurate information is being reported on my credit report and Experian, XXXX and XXXX have all neglected and refused to remove false information being reported under my name. Someone else whom I am unaware of has used my information without my permission and knowledge. I have also contacted XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX directly as advised by the credit bureau and also the companies themselves have made it impossible to get the fraudulent information removed from my credit report.
Product: Credit card or prepaid card

I have had a XXXX XXXX XXXX Card from MBNA since XX/XX/XXXX. I wanted the card because it used our fees for a program to bring back the wolves in the XXXX XXXX during a time when they were nearly extinct. 

The card also had a rewards program with it for purchases. Every few years I would purchase flights for family travel using the rewards. The program was bought out from MBNA by Bank of America, and I am not sure when. BoA could not tell me when either, which I found disturbing. 

What I learned today is that apparently, miles expire. I didn't realize this, and starting in XX/XX/XXXX I have lost approximately XXXX miles, maybe more ( the first dump was in XX/XX/XXXX for XXXX miles ). 

BoA claims they sent me a kit explaining this. I do not recall ever receiving such a kit. They also say the miles being retired are on the pdf statements of my bills which I check monthly. It says no such thing. The document just tells you how many miles are added, and how many you currently have. It says in very small print ( what looks like a 9 point font or smaller, very hard to read ), something I never noticed, that miles expire after 60 months. When I questioned the representative from BoA, he said I can always go online and look at my miles. I find this preposterous, given the arcane and disorganized nature of their website. 

So to summarize, when I got the card, it said miles never expire. Now I learn a few months after that that thousands of my miles have expired ( worth hundreds of dollars ), with no explanation, no email warning, no calls from the company. 

When I asked if there was a way to get my expired miles back, BoA says it is impossible. I find this ironic. This is the same company that we the taxpayers bailed out to the tune of XXXX  XXXX taxpayer dollars in XX/XX/XXXX. [ Bank of America received {$XXXX} XXXX  in the federal bailout from the U.S. government through the Troubled Asset Relief Program ( TARP ) on  XX/XX/XXXX, and a guarantee of {$XXXX} XXXX  in potential losses at the company. ] What a dishonorable company, in my opinion, to receive US government largesse and then not work to accommodate their loyal customers. Shame on BoA!
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

On the XXXX show XXXX while they are showing a buyer looking at a home for sale, a flash at the bottom corner of the screen, says " XXXX payment is {$2000.00} ''. 
being in lending for 48 years, I know that in order to quote a payment, you must also show, APR, loan amount, term, etc. 
ALL THEY QUOTE IS THE PAYMENT!!!!!!!!!!!! 
XXXX XXXX is owned by Quicken Loans, a huge National Mortgage Company. 
This is not right for them to do this, and must be stopped now!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

They never removed my bill i paid off on my credit reports and they kept a bill on my account that turn in that was fraudulent
Product: Debt collection

on XX/XX/23 I called the company and verified that they are not licensed in Texas to collect and the company before them had that collection and I disputed it and they took it off because the account was old and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Experian and XXXX  about the following reporting Debt since XX/XX/XXXX. I explained to all 3 Credit bureaus the rent that is reporting a Debt without proper debt verification and ownership. 

XXXX XXXX XXXX opened a collection account on XX/XX/XXXX stating I owe them {$2100.00} Original Creditor - The corners c/o XXXX I went to The corners c/o XXXX around XX/XX/XXXX to see why I owed them {$2100.00} I spoke to a guy named XXXX at the front desk he tried to look me up in their system to see any information in their system about me owing them a balance. XXXX stated they had no information about me in their system. 

I contacted XXXX and informed them I needed the following information : The original signed lease between myself and the landlord. 
Details of the security deposit and how it was applied to past due rent. 
Bank statement for the security deposit entire duration of the rental including the accrued interest. 
Detailed breakdown of damages claimed by the landlord and the total cost of repairs, with proof from a licensed contractor The date that the apartment was reoccupied. 
Proof of registration of that apartment following all compliance of the local rental laws in the state of Texas Proof that this is a collectable debt within the statute of limitations in the state of Texas Name of the banking institution and the date in which my security was deposited in an interest-bearing banking account As of today I have not received the above information to validate the debt they claim I owe.
Product: Debt collection

I recently pulled my report, and there are many accounts reporting I have no idea where/ what or who they are from. Some are not even reporting company names, payment histories or any legally needed information to report legally through the bureau. I have tried to dispute with the bureau but to no avail.
Product: Credit reporting

To whom it may concern, I tried to get Internet for my family and was told that there is a fraud alert on one of my credit reports. I am not sure which one, but I did n't not make any oh one call placing this on my credit report. Please contact me on how to resolve this issue. I am also in the procks of trying to purchase a new home. Effect would be greatly appreciated. An Experian credit report investigation is being requested at this time. 

Thank you, XXXX
Product: Bank account or service

I used a Chase credit card to purchase a wine cooler. The wine cooler showed up damaged, not working. I called the vendor who dragged their feet for a week, telling me a series of reasons why it was my fault, finally telling me that they could not exchange the product or have the product returned because it was used. I had owned the product for less than a week at that point. I contacted Chase to dispute the claim - from the attached documentation you can see that they made a half-hearted attempt to resolve the issue, summed up in the letter describing my reason for denial - that I had told them I was expecting a credit from the vendor which is not supported in ANY documentation provided to them.
Product: Debt collection

In the beginning of XX/XX/2023 I started receiving phone calls and written notices from MediCredit. I contacted MediCredit to request proof the debt was mine, I even contacted the original creditor who said they have no record of the bill MediCredit is trying to collect for. The end of XXXX I tried placing the debt in a dispute status with MediCredit three times, and each time requesting the information to prove the debt was mine. They have continued to harass me with phone calls and letters even though I have told them I want to dispute the account, and they have refused to place my account in a dispute status and stop collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

i obtained a title loan from XXXX for XXXX for 36 months. i paid it off in 12 months over XXXX  on fees interest charges.. my credit report shows 4 missed payments due to bounced checks from an XXXX XXXX bank account that does not belong to me. 
my loan should show paid in full and in good standing. the credit bureaus have been advised, ftc and also a police report to show un authorized charges from a checking account that is not mine. XXXX  is reporting unfairly.
Product: Credit reporting or other personal consumer reports

I am looking my report from my personal credit profile, And I see unauthorized fraudulent hard inquiries on it. I want to remove this fraudulent from my reports as soon as possible 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. 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 ( 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: Credit card

U.S. Bank sent me a letter stating they have elected to close my credit card account in accordance with the terms and conditions of my card member agreement. The bank did not point out exact terms or conditions that I had violated for them to decide to close the credit account. 
I have made several attempts to get in contact with the bank to find out reasons for the closure of the credit card account by calling a contact number provided in the letter. 
However, I have not been able to have someone to answer my phone calls or to give me return-call yet.
Product: Money transfer, virtual currency, or money service

Hello paypal, my name is XXXX XXXX Currently my account was permanently blocked without any justification. 

After the block and having called PayPal, they told me that my money would be available starting XX/XX/year>. 
My last access to the account was on XX/XX/year>. With my device that I always use, an XXXX. 
On XX/XX/year>, I was traveling for a few days in XXXX due to a family emergency and I did not have internet or access to my accounts. On XX/XX/XXXX, I return from my trip and find many notifications in my XXXX email from emails from PayPal where they say that my residence address was changed, also that phone numbers and bank accounts were added that have been added to my PayPal account profile, including the withdrawal of my money and also that the account was changed from personal to business. 

So I immediately contacted PayPal via chat to report the problem. 
Case : XXXX and XXXX : XXXX These cases have been arbitrarily declined without taking into account the evidence provided. 

In both cases I am reporting the unauthorized activities and changes that were made to the account, including evidence that I did not authorize said changes, activities and withdrawals. 

In short, The account was permanently limited without having done anything that violated the policies and then they stole my money. 

I do not think it is fair what this company does to XXXX.
Product: Credit reporting or other personal consumer reports

I filed and FTC for identity theft because my personal information has been exposed in a data breach of over XXXX XXXX consumers personal information. I would like and appreciate to have all accounts showing on my credit report to be removed immediately.
Product: Credit reporting or other personal consumer reports

Experian has fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reporting reivestigation of disputed information on my credit report. Leaving inaccurate or consumer financial protection bureau ( CFPB ) has
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX CA XXXX : ( XXXX ) XXXX Account Number Date Reported Date Assigned Creditor Class Client Name Original Amount XXXX XX/XX/XXXX XX/XX/XXXX Insurance XXXX & XXXX XXXX XXXX {$430.00} Status Date Status Date of 1st Delinquency Balance Date Balance Amount Last Payment Date Whose AccountXX/XX/XXXXXXXX, XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Rental/Leasing ; Original Creditor - XX/XX/XXXX ; Amount - {$5300.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$5500.00} ; Individual Account ; Account # - XXXX XXXX Address : XXXX XXXX XX/XX/XXXX XXXX FL XXXX : ( XXXX ) XXXX Can not provide original purchase order investigation was not accurate. Please delete off credit report
Product: Debt collection

Calls almoat always come from a different number. Only the caller ID says Portfolio Recovery Associates. The one time a call was answered an automated voice was on the other end. A voice-mail is never left to prove the company is legit or what they had been calling about. The list below shows all the calls that I didn't delete. There were more before that I probably got rid of on accident. It is ridiculous to call somebody this many times from different numbers. This is the definition of harrasment. 

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 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 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

I dont have any finacial obligation to these companies
Product: Checking or savings account

On XX/XX/XXXX, i applied for loan online. I later found out that the company wasnt real and they had made Fraudulent claims with the bank. The bank applied a XXXX credit to the account & the fake loan company took XXXX. I reported this to the bank on XX/XX/XXXX. Ive been calling since then to get a update on my account and everytime i call they say i have to wait 10 business days. I cant use my debit card, make deposit or withdraw from the account. The bank security department has the the account frozen. They never want to update me with whats going on. When i ask to speak with the department whos handling my case they never put me on the phone with them. They tell me wait 10 business days. Its my account and i should have the right to stay updated on whats going on seeing as tho this is where all my funds go.
Product: Mortgage

I was solicited by XXXX for a refinance on my HELOC. I called to make sure all the equity they said I had was actually there. It was. I made an application and paid all fees. My credit was good enough to proceed. Then I was denied for low credit score. I would like all loan docs, title info and phone conversations pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

lIEN NEEDS TO BE REMOVED AND MY SCORE REINSTATED ... .STATE OF MARYLAND HAS CONFIRMED THIS IS AN ERROR DOCUMENTATION ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Colony , Inc, owns XXXX XXXX XXXX, and XXXX XXXX. They switched the names on the accounts, so they could retaliate by reporting erroneous information. I provided the documentation that shows the accounts are paid in full and they keep reporting they are delinquent and charged off. They refused my offer to pay, but I paid anyway and they kept the payments. They can not keep the payments and continue to report wrong information.
Product: Debt collection

Eastern has an account on my credit report that is false representation. I did not owe neither have I paid their company any money. I would like documentation with my signature stating that I made an agreement with this company to do business with them. I want this account removed from my report.