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

This is NOT a duplicate claim. This is a claim in reference to claim XXXX with more information and attachments. I was advised by one of your phone agents to resubmit this claim. 

I had a promotional rate on the balance transfers I made to my Bank of America credit card and had set up automatic recurring payments. Everything was fine until the promotional rate expired in XX/XX/XXXX. At that time, my minimum payment went up. Nobody from Bank of America attempted to call me, email me, nor did their app send me any notification that my scheduled payment was not going to be enough to meet the minimum balance. The only way I discovered something was wrong was when I received a letter via the US Postal Service that my credit line had been decreased from {$11000.00} to {$9500.00} because I was late with a payment. It was then that I discovered that I was inadvertently late with the full payment due on the account and I was also charged a late fee. I called Bank of America to talk about what happened. I made the full payment due with the same representative that very moment. After I had made my payment, I requested that my credit limit be increased to the amount it was prior to the {$11000.00} that I had previously. A week later, I received a letter that they had denied my request for a credit line increase and gave a reason that my account was still past due. The denial letter was dated the same day as my call and payment. The attached statement shows the payment was made on XX/XX/XXXX, which was the same date. However, as I noted above, it was not past due when I made the request. I paid the amount due before the request was submitted by the representative. Because I was getting nowhere with Bank of America, I filed a complaint with the CFPB. The company received this complaint and attempted to contact me to verify my identity. I called the company back many times at the number listed in the message to try and get in contact with the agent assigned to my complaint. The agent never picked up his phone when I called even though I called multiple times during different times of day on different days. He never called me back after the voicemail despite how many messages I left for him to return my call. Bank of America then let the complaint age for 60 days before claiming they tried to verify my identity but could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX, submitting this complaint against Equifax Information Services XXXX Inc and there is no third party involved. As of Today, XX/XX/XXXX at XXXX XXXX EST your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX ( CLOSED ) XXXX  ( CLOSED ) XXXX XXXX  ( CLOSED ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( CLOSED ) Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report is stating inaccurate. Account status reports as Open with XXXX while Closed by XXXX and Equifax. Stating a pass due balance and consecutive Charge off as if it was some sort of payment method with missing date account was closed. There is no way that account is Open with one bureau but yet Closed with other two bureaus. Definitely account can not be stating a pass due with consecutive charge off on a dead account. I have not received a notice of sale up to this date. Account is definitely not following accurate protocols and I have the right to an accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. 

I, ( XXXX XXXX ) never gave ( Experian ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : 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 BANKRUPCTY, XXXX XXXX XXXX XXXX XXXXt
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are about to go through a divorce and he pulled my credit report without my permission or a court order.
Product: Debt collection

On XX/XX/year>2025, I requested information from the company to verify that i own the debt. Such as full payment history, what this debt is, license including number that they have the right to collect on this debt in my state, and agreement with my signature on it to show i agreed to this debt and own this debt. Company has not provided the information i requested. Company responded that they brought the debt but failed to provide that the debt belongs to me. Information was not correctly verified and validated.
Product: Credit reporting or other personal consumer reports

Status of Accounts XXXX XXXX XXXX Status Derogatory XXXX XXXX XXXX XXXX Status Delinquent - Payment 60 days overdue XXXX XXXX XXXX Status Derogatory XXXX Status Good XXXX XXXX, XXXX Status Good XXXX XXXX XXXX XXXX Status Good XXXX XXXX XXXX Status Good XXXX  Status Good XXXX XXXX Status Good XXXX XXXX Status Good XXXX XXXX Status Good XXXX XXXX XXXXXXXX Status Good CLOSED ACCOUNTS XXXX XXXX - XXXX XXXX  XXXX Status Derogatory XXXX XXXX Status Derogatory XXXX XXXX XXXX Status Derogatory XXXX XXXX XXXX XXXX Status Derogatory XXXX XXXX XXXX Status Delinquent - Payment 90 days overdue XXXX XXXXXXXX XXXX XXXX Status Derogatory XXXX XXXX XXXX XXXX XXXX Derogatory XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Payment 120 days overdue XXXX Status Derogatory XXXX  Status Derogatory XXXX XXXX XXXX Status Good XXXX XXXX XXXX XXXXXXXX Status Good XXXX XXXX XXXX Good XXXX XXXX  Status Good XXXX XXXX XXXX / XXXX Status Good XXXX XXXXXXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX Good Reporting erroneous derogatory remarks and late marks REQUEST TO CORRECT THE RECORD under Authority 31cfrq 1.21j 5usc 552a ( d ) ( 2 ) ( a ) ( b ) TIMELY RESPONSE ; WILLFULL NON COMPLIANCE TO CORRECT SAID RECORD WILL RESULT IN LITIGATION. 

Bureaus After reviewing a copy of my personal credit report, I have come across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame.

Below are the errors I have identified : Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 
XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$940.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$3700.00} Needs Attention Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to the permissible purpose of credit inquiries, specifically soft and hard pulls, as outlined in FCRA Section 604 and USC 1692 s- ( b ) 2.
Product: Credit reporting 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. 
Account name XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX $ XXXX Account Name : XXXX XXXXXXXX # XXXX $ XXXX Account Name : Account Name : XXXX # XXXX Account Name : 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 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 card or prepaid card

COMENITY BANKXXXX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( COMENITY BANKXXXX XXXX )
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX since 2020. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For Identity verification, I attached my Valid ID. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone XXXX my XXXX a few years ago when I was at a car wash and I see now that they have opened accounts using my information, I am a victum of identity fraud and i am XXXX off. I need my reports corrected as soon as possible.
Product: Money transfer, virtual currency, or money service

As I talk to citi bank Clerk in XX/XX/XXXX, the Clerk confirm that I owe check plus {$6500.00} not $ XXXX.following days, I transfer {$1200.00} inXX/XX/XXXX statement show I owe $ XXXX.inXX/XX/XXXX I transfer {$200.00} Statement show I owe {$1400.00}, in XX/XX/XXXX I transfer {$2000.00} The statement show I owe {$3400.00} everything correct from that day, but in XX/XX/XXXX I transfer {$3100.00} after I make transfer suppose statement will be {$6500.00} but the statement show $ XXXX.before I made transfer I'll see how much balance, then I made transfer. So there is wrong about the online banking system, there is {$900.00} over charge from checking plus.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cashapp ( 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 redres for these violations.
Product: Debt collection

Comenity bank contacted a relative via phone and left a voicemail message for me regarding a debt. My relative has never been associated with any of my accounts, nor is my relative an authorized user or account holder. 

I've previously spoken with them, they issued a credit card and then revoked it after I submitted the required information and would not explain why, only that it was fraud ( it wasn't ). 

I further explained that I would no longer communicate with them as to their lack of transparency and poor customer service.
Product: Credit card or prepaid card

Comenity Capital Bank did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I XXXXay have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Santander Consumer USA ; XXXX XXXX XXXX, XXXX XXXX ; XXXX, TX XXXX XXXX XXXX Dear, I agree to pay the following financial obligation regarding account number- Loan XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both Santander Consumer AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The XXXX  number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301. 
Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Right
Product: Debt collection

14 calls between XXXX and XXXX. 
Told multiple times to stop calling before and after. 
No call reference numbers and absolutely atrocious customer service.
Product: Checking or savings account

On XX/XX/2023 I ordered two XXXX brand batteries from an online advertisement for {$99.00} from XXXX. On XX/XX/2023 they shipped me two no name brand batteries. This was a fraud. The company wont return my voicemails demanding a refund. I paid thru XXXX which charged my account at Union Bank. On or about XX/XX/XXXX, I tried to dispute the charge with XXXX. I could not figure out how to do that so I disputed the charge with US Bank. ( US Bank National Association. The charge went thru my Union bank account ending in XXXX but US Bank had taken over Union Bank in a merger/buyout so U.S. Bank answered the phone call. US Bank lost my dispute or just shelved it because of the merger and their current financial problems. Now they wont give me provisional credit. I spoke with XXXX on the XXXX XX/XX/2023 for over an hour and she said she thought it was lost in some department handling Union Bank issues and would get back to me. She hasnt. I talked to XXXX on the XXXX XXXXXXXX XXXX as well as supervisor XXXX and he said XXXX did not write any notes! I demand provisional credit now. It is not my fault they lost or destroyed my dispute and they dont make notes on hour long phone calls. I record almost all calls when it says this call may be monitored or recorded. 
I have a screenshot of the ad showing they were selling XXXX XXXX batteries and photos showing the contents the day the package arrived were no name brand batteries
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payment on time, as supported by the attached bank statements showing that the payment was processed well before the due date.

Account Closed : The account was closed at my request, and no additional charges or late payments should have been reported after the closure date. I have attached documentation confirming this account closure.

Incorrect Date Reported : The date of the alleged late payment does not match the account 's payment history or my bank records, which show timely payments.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

This company took over discover student loans and did not give this information. This company claimed forbearance was until XXXX XXXX, and it was not as it claimed.
Product: Checking or savings account

My data was leaked and all of personal information is on the dark web. All of my accounts can be accessed and used because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Great day, I purchased a car from XXXX XXXX in XX/XX/XXXX. The car was having a safety issue that the dealership ( XXXX XXXX XXXX  ) along with XXXX 's support team could not fix. With help from XXXX XXXX XXXX XXXX through New Jersey division of consumer affairs. A final attempt of repair was made in XX/XX/XXXX. The problem still persisted. A repurchase offer was made in XX/XX/XXXX by XXXX XXXX a Senior Specialist Customer Resolution & Retention with XXXX XXXX XXXX XXXX ( which owns XXXX  ), and the closing coordinator was XXXX XXXX An agreement was made in XX/XX/XXXX, and the account was placed in a protective status through XXXX. I made XXXX XXXX payment, but XXXX XXXX requested a check from XXXX financial because the account was placed in a protective status and I was not required to make XXXX XXXX payment. The car was returned on XX/XX/XXXX. Due to the car being defected, all monthly payments and upfront costs at the time of the sale were refunded ( except for XXXX XXXX payment ). The account was closed once paid off by the XXXX retention team. But it placed two monthly payments that were in a protective status as 30 days late. This information is false and doesnt follow the Fair credit reporting act.
Product: Bank account or service

I am unable to access the website XXXX from XXXX. They said one of my security questions from Experian is wrong : what was the make of my first car. They pointed me to Experian ( CFPB Case # XXXX ). On their website, it gives a number to call to speak to a live agent to answer any questions. I have tried that number XXXX and there is no option to speak to a live agent. That is misrepresentation. There is no way to reach a live person. That 's first. Next, I know the make and model of my first car and it wrong with Experian. That needs to be changed. I need to be able to speak to someone there live to have this updated.