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

On XX/XX/XXXX, I received a call from Barclays Fraud Unit regarding some fraudulent charges they had observed on my account. After speaking with the man on the phone, I alerted him that the charges made were indeed fraudulent and needed to be investigated. These charges did not fit my spending profile, as I use this car primarily for rewards points while eating out and for streaming services. On the website, they advertise " {$0.00} Fraud Liability Protection '' as a benefit, so I thought I was secure and we would work the case out. 

A couple weeks later I spoke to someone from the bank fraud unit and told them what I had experienced. He suggested I file a police report, which I did ( attached ). Since I know I did not authorize these charges, I thought they would eventually be cleared and I would deal with the police when they were available. 

On XX/XX/XXXX, I received a letter indicated that the charges were valid. I was shocked by this and decided to follow up with the bank fraud unit. They indicated that since the card was in my possession, the charges had to be valid since it was a pin transaction. There is plenty of literature out there ( I happen to work for a competing bank ) that has shown that there is equipment out there to copy the PIN ( see below link ) : XXXX : XXXX/ After speaking with the bank fraud unit, I was told that there was no investigation completed since XX/XX/XXXX when I reported the fraud originally. No camera footage was looked at from the stores where the fraud happened ( I will provide below ). Because I said I had the card in my possession when the fraud occurred, the charges were automatically valid. 

I find this ludicrous for a company that touts a " {$0.00} unauthorized fraud guarantee '' that such little research was done on this, and they would not honor the benefits they advertise. I feel as if Barclays is  not living up to the standard in which they should when it comes to investigating the incident and is not honoring the terms in the cardholder agreement. None of these transactions match my user footprint as well. I was not even around the area where these charges were made, and I have someone to corroborate that claim. 

Here are the unauthorized charges : XX/XX/XXXX XXXX  {$120.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$61.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$220.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$93.00} store # XXXX zip XXXX XXXX
Product: Debt collection

A collections company is trying to collect on a debt that was already removed by XXXX & XXXX. Not sure why this company is reporting on XXXX. I need this to be resolved by removing this off my XXXX report.
Product: Student loan

Originated a student loan with XXXX XXXX XX/XX/XXXX for {$28000.00}. Made monthly payments until I became unemployed. My loan was sold to United Student Aid Funds & went into forbearance XX/XX/XXXX. Was informed I needed to make rehabilitation payments to XXXX XXXX XXXX starting XX/XX/XXXX to XX/XX/XXXX for total {$700.00} in order to become rehabilitated & then my loan was sold to XXXX. My complaint is that I was never informed by United Student Aid Funds , Inc. or XXXX   XXXX XXXX that I would be charged a {$7900.00} fee to rehabilitate my loan. This amount was added to my student loan principle & interest. I have now been paying at minimum {$500.00} a month to date to repay my loan & I am just now getting close to my original loan amount of {$28000.00}. This undeclared rehabilitation fee has cost me thousands in interest alone. I could have been close to paying off my student loan originated over a decade later. United Student Aid Funds inc & XXXX XXXX XXXX should not be able to charge exorbitant undeclared fees for student loans already in trouble. Want to warn others & learn what type of legal recourse I have for this undeclared fee that has cost me close to {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a job with XXXX and XXXX.. the background company checkr reports that my license is expired ... I went to the dmv and paid for a drivers license record ... I sent the record via email to checkr.. they sent me another background check when the same wrong information ... they told me they get their information from the dmv ... but if I got my record straight in person from the dmv they should fix their misinformation .... my commercial drivers license is canceled at the moment but not my regular license ... in the middle of the front page is where to find the correct information
Product: Debt collection

1.I have never had an account with this company Credence Resource Management , LLC, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Credence Resource Management , LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ).
Product: Credit reporting or other personal consumer reports

A hacker used my information from XXXX XXXX XXXX  and government site to apply for a credit at XXXX on XX/XX/year>, and the hard inquiry listed on all credit reporting agencies, Transunion, XXXX
Product: Debt collection

I was a victim of ID theft on multiple accounts including what appears to be a loan from Goldman Sachs which I did not authorize, nor did I request. I have made numerous attempts including attempts made with representation to dispute this with Goldman Sachs. They claim that they have loan documentation and a recording of my voice authorizing the loan. As a result, they denied my request because they said I made a single payment, and verbally approved the request. We have asked now on multiple occasions for them to send us the signed loan documents which should be my right as a consumer and have requested the voice recording so that it can be reviewed. Two months later and numbers calls to Goldman Sachs with a minimum of 1 hour hold times, we have yet to receive the documents they are claiming prove that this fraudulent debt is mine. We have submitted what we feel to be sufficient information protesting this account and feel that Goldman Sachs is trying their hardest to not provide this information hoping that I go away and that they will not be responsible for the fraudulent debt they allowed to be opened in my name. The nest step will be the state 's attorney general.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX loans have violated my rights. 15 usc 1681 Section 602 states I have the right to privacy. 15 usc 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Federal Trade Commission, I have written to Equifax on several occasions disputing the fact that the items listed below are incorrect. The credit bureau has either refused to respond, sent a frivolous letter, sent a working with a credit repair company letter, or continues to state that they have verified the debt. Let this be a formal complaint against the Equifax. The following accounts are the items the credit bureau has refused to investigate. 
Account 1 : Account Name : XXXX  Account Number : XXXX Date opened : XX/XX/XXXX Account 2 : Account Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX I am a victim of identity theft. These 2 accounts NEED to be removed from my report.
Product: Credit reporting or other personal consumer reports

Requested to remove XXXX XXXX I have had an awesome record with no late payments or missing payments. Yet I dont get a response or anything type of help.
Product: Checking or savings account

I have had no correspondence for this savings account since at least XXXX of XXXX. I received a letter XX/XX/XXXX stating that I owed XXXX in closing fees.I had previously had the same issue with the checking account linked to this account. That was handled to fair conclusion by the CFPB in case # XXXX. I feel this is further harassment because of the original case, as the circumstances are not only exactly the same, but the accounts were also linked and they never mentioned this during my previous complaint or correspondence. When I called the individual named on the the letter from US bank, he stated that he could only help me if I was calling to make a payment. 
Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me.. XXXX XXXX, XXXX XXXX, XXXX XXXX  ..  I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights
Product: Money transfer, virtual currency, or money service

Yes, good evening I'm inquiring some information on account of my little girls identification documents came up missing a few years back and then so did my own identification... Here we are years later, I've renewed my identity card and it has already been miss in action, so I would love to know if my XXXX. XXXX  daughters identity has been used in any matter at this point because know my has for a fact. Only because I use to be the only person at my age to be in existence in XXXX  and now there's XXXX of me... I believe that to be a issue at this point...
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND CREDIT MANAGEMENT After recieving my sworn testimony ( Affidavit ) Midland Credit Management notified me in writing ( attachment ) that they have opened an investigation and are awaiting documents from the Original creditor. This could take up to 90 days. During the process of this investigation, this account should not be reporting on my credit profile.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous reports about inaccuracies on my report I have not been notified or updated on any reports from XXXX equifax oXXXX XXXX the original contract is not in my name or is my signature failure to comply to my dispute request is violation of the fair credit reporting act also by not acknowledging my claim this is a violation of the fdcpa which states 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Please remove these inaccuracies on my report immediately
Product: Debt collection

I received a lawsuit coming from state of Texas in XXXX XXXX that accused me of owing a big sum of tax money from a property that I dont even own for {$17000.00}. I tried to send their letters back but they did not stop previously prior to sending me a suit last XX/XX/2023. The law office of Linebarger Goggan Blair and Sampson, LLP which is headed by a Lawyer named XXXX XXXX kept harassing me. They included my name in a lawsuit with people I dont know, I have no relation with and never knew or not a relatives of mine. I have never been to Texas let alone own a property to a state I never lived.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my XXXX XXXX in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$0.00} I have previously XXXX the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX XXXX, XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

These inaccurate accounts are unjustified. I need immediate deletion of these unverified allegations to meet standards of the FCRA. Any and all of the aspects of alleged account information must be documented to be proven of my responsibility to be adequate and within compliance to properly and fair reporting according to the FCRA. 

If you are unable to provide me with any copies of verifiable proof justifying the reportability of any derogatory account reporting within 15 days by challenging compliance of the FCRA reporting procedures to be 100 % accurate and complete, then you must delete all accounts of illegal and dishonest procedures bases on the assumption of this misleading information reporting on my credit file. 


COMPLETE CREDIT SOLUTION - XXXX Not my account COMPLETE CREDIT SOLUTION - XXXX Not my account
Product: Credit card or prepaid card

I have a long standing account with CapitalOne. I paid of balance in full and was unaware it would be closed due to inactivity without opportunity to reopen. I am interested in keeping and using account and should have been better notified of closing. Logging in online periodically ; the website gave the impression everything was ok. PDF 's of statements online do not indicate any issues. Even showing XXXX balance and credit line of $ XXXX and points to use. 

I just received email my account is closed and have a deadline to use rewards. I feel the website should have notified me about account status online so I could take prompt corrective action and resolve account closing.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

Placed and order with XXXX through PAYPAL on XX/XX/XXXX  for {$210.00}. I cancelled the order within 10 minutes realizing the item was counterfeit and order cancelled confirmation received from PAYPAL. The item was delivered after few days and I was billed. When contacted PAYPAL for return label I was informed seller agree to refund and no refund was made. I am unable to communicate with PAYPAL Messages are sent through message center an no response. 

After cancelling the order why did the shipment arrived? Attached are the documents confirm that cancellation of shipment on time and PAYPAL confirming seller agreed to refund the money.. 

As no response from PAYPAL I dispute the amount with the credit card company and PAYPAL is holding me to have the dispute close favor of me to refund which PAY PAL has no authority to demand for credit card resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is 7 years old and reporting illegally as paid as agreed. I requested for it to be taken off my credit, I've had no communication with this company and made no payments. This company and sending false information. 

XXXX XXXX Balance XXXX Open date XX/XX/XXXX The company updated false information on XX/XX/XXXX because the 7 years mark was coming XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to a reasonablevestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such failing to forward consumer-provided evidence to furnishers, unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has corrected nor removed disputed items despite the evidence I provided, ongoing harm to my credit standing. am immediate corrective action to remove or amend the disputed accounts as Experian 's in violate federal law and my rights as consumer.
Product: Debt collection

Jeffcapsys ( jefferson capital systems ) at XXXX XXXX XXXX XXXX XXXX. XXXX, Minnesota, XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due. i do not know this company. i have never done any business with this company. this company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CREDIT REPORTING COMPANY... 
XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # 1887 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 with out my written instructions. 

15 U.S.C 1681c. ( A ) ( 5 ) section states : No consumer report containing any of the following items of information, Any other adverse item information, other than records of conviction crimes which antedates the report by more 7 years.

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

Every major bank ( XXXX XXXX, XXXX  XXXX XXXX, XXXX 's, XXXX, XXXX ) that issues credit cards has four ( 4 ) options for paying a statement balance except Capital One which only has three ( 3 ).

1. Minimum payment due 2. Statement balance paid in full 3. Remaining statement balance which reflects any credits received to offset the statement balance 4. Current balance Capital One willfully chooses not to offer cardholders the option of paying the Remaining Statement Balance ( option 3 ) because they would lose out on billions of dollars in interest-free money paid to them weeks early that is not due to them until the next statement due date. 

I understand their policy is likely legal or their vast compliance department would not authorize it but it is grossly unethical and the laws must be changed to prohibit credit card companies from not offering a Remaining Statement Balance payment option.
Product: Debt collection

XX/XX/year> this loan was bought by XXXX into a new account this loan is still on my credit report preventing me from getting any loans stating I owe when I have no ownership of this loan
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card Open XX/XX/2018 Its not reporting on my credit report For all three credit companies Plus my users on they report
Product: Mortgage

We closed on out mortgage on XX/XX/2021. We had a number of credit accounts that were included to be paid off. Within those accounts, was an account owned by my Ex-husband, listing me only as an authorized user. I did not realize this, as our actual account numbers were not listed. 
I have been trying to recover these funds ( approx {$2200.00} ) from Rocket Mortgage, who ultimately is simply keeping these funds. 
I have been removed from my ex husbands account and this is no longer listed on my credit report. I have sent Rocket mortgage a letter from XXXX XXXX explaining this. The account is not on my credit report, so there is no way to prove this on my credit report! 
Rocket Mortgage refuses to assist and is holding these funds! I would like to receive them or have them applied back to my mortgage. Also, interest!
Product: Debt collection

CAPIO PARTNERS LLC Placed on my credit report for {$170.00}.