23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I registered with XXXX to sell off some of my XXXX purchases on XX/XX/XXXX, 2025.. XXXX is a web commerce marketplace where users can buy and sell new and secondhand items. On XX/XX/XXXX I received an email offer on one purse, the email had a link to click to accept. The instructions then asked for me to complete a W-9 and give a credit card number to guarantee I would ship the purse, it was in good condition and also to send me the proceeds of the sale. The site had the XXXX logos and appeared to be their site. Shortly after completing the information for my USAA credit card I received a notice that a company called XXXX was attempting pre-note charges to my credit card. The XXXX site I was using had a XXXX XXXX so I questions what was happening and the chat informed me this was normal procedure. I opened another XXXX window looking for their customer service phone # and their site indicates everything is done via email, there is no customer service number. Still concerned I called the fraud dept at USAA on XX/XX/XXXX and was told the pre-note charges ( there were several by this time ) were rejected. Totally disgusted with the procedure I told XXXX to cancel the transactions and I deleted my credit card and W-9 info. 
The next day on XX/XX/XXXX there was a charge from XXXX for {$370.00}. I have twice sent appeals to USAA on XX/XX/XXXX and XX/XX/XXXX, they have rejected both claims due to " lack of documentation '' I have also filed a complaint with USAA regarding their fraud Dept 's failure to stop the charge. I also contacted XXXX, their investigation reply is " Upon further investigation, our moderation team has taken further against the user who originally sent the in-app message in XXXX, Upon further investigation, I am so sorry to let you know that this request did not come from XXXX, and we are not affiliated with skinswap.com. '' XXXX send regrets but said their site was hacked but will not take any further action This information has been provided to USAA but they do not consider this documentation. I am most upset that I spoke to USAA fraud dept on XX/XX/XXXX and the fraudulent charge still went through. I am now forced to pay this charge of {$370.00} this month or risk destroying my credit.I currently has an excellent credit score of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient was reporting a 90 late payment on two accounts in XX/XX/2014. I disputed the accounts in accordance with FCRA. Instead of correcting the errors, Navient removed 7 accounts from my credit reports that were in good standing causing my scores to plunge. 

The 90 late payments were in XX/XX/2014 and they were eventually brought current. As such, they should have been removed according to Section 623 ( a ) ( 2 ).

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. Navient communication regarding retroactive forbearances states If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.
Product: Checking or savings account

Back in XXXX Chimed closed my account and handled over XXXX of my money I sent them everything they requested I still have not heard anything from them.
Product: Debt collection

... ... ... .filled complaint XXXX and it sounds like you XXXX XXXX are trying to charge me for a problem created my that piece of XXXX manager at the office on XXXX near XXXX closed my account WITOUT my permission because she diced not to assist me on a problem that I went in to try and resolve on my Slate account - I want all charges removed from product that I was not advised I would now be charged for close my security box and have any and all fillings with adverse information removed from any and all credit reports- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Product: Credit reporting or other personal consumer reports

XXXX XXXX account ending in XXXX, amount of XXXX $ open XX/XX/XXXX please remove account is charged off and is in violation of 15 U.S. 
Code XXXX XXXX credit account ending in XXXX, amount of {$700.00} opened XX/XX/XXXX also in violation of XXXX XXXX. 
Code 1601 please remove asap
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Money transfer, virtual currency, or money service

Due to inadequate customer service and unfair practices, which violate the customer 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: Credit reporting, credit repair services, or other personal consumer reports

my personal information was stolen and accounts were opened in my name. I am also victim of check fraud.
Product: Debt collection

Pursuant to 15 USC1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as a result. 

You broke the law by furnishing this account on my consumer report. Pursuant to 15USC 1681 ( A ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is not included in a consumer report.

Pursuant to 15USC 1692J you broke the law by furnishing a deceptive form to make me, as a consumer, believe I owe a debt and by even stating I owe a debt 15USC 1692B ( 2 ). Only I as a consumer can say whether a debt belongs to me or not. No other third party or entity.

Pursuant to 15USC 1692E ( 10 ) using deceptive means to coerce a consumer into paying a debt. You broke the law when you filed a 1099C but continue to ask me to pay on the alleged obligation by actively reporting a " charged off '' account to the consumer reporting agencies. 

Pursuant to 15USC 1692G Validation of Debt, you have failed to properly validate that this debt belongs to me.

These errors may be assumed to be a willfully intent on misleading or deceiving the consumer of the character/amount of any debt 15 USC 1692e . ALL debt obligations and securities are owed to the United States 18 USC 8.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

Company approved my Refinance loan but never closes XXXX XXXX - Loan application was summitted with documents, acknowledged by the company and I paid {$500.00} as advance payment towards lender closing costsXX/XX/XXXX, even after 90 days, the Lender does not send final closing disclosures. The draft disclosures were all with mistakes and fed back to the lender. 

Complaints to their customer care was of no use I am losing money very month, due to the delay, as my interest rate currently is high.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$7800.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7800.00} XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$220.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I had a balance with a XXXX XXXX credit card that I paid off IN FULL. My credit report states that {$11.00}, XXXX was written off. That information is inaccurate. I paid that in full. I have disputed this, but it remains.
Product: Credit card

Bought something using personal bank card and Amazon immediately charged me a XXXX fee this has been the 3rd time now so I paid off the account for Synchrony bank account and want to close the account and they refused to so whenever I buy something it immediately charges me a XXXX fee on the Amazon store card even though I had it frozen and paid completely off so now I don't know what to do other than close my Amazon account too or what! Please help they're stealing money that's wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX REMOVE THE ADDRESS NOT MINE REMOVE THE EMPLOYERS : XXXX XXXX XXXX XXXX REMOVE THE INQUIRES UNAUTHORIZE : XXXX XXXX/XXXX XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Reseller Inquiry date : XXXX  XXXX, XXXX Removal date : XX/XX/XXXX Your XXXX  credit file is locked
Product: Debt collection

I had a collections debt from XXXX XXXX XXXX, in the amount {$1000.00}. The debt was settled and paid on XX/XX/2019. Between XX/XX/2019 and XX/XX/2019, XXXX XXXX XXXX collections account was removed from my credit report. Between XX/XX/2019 and XX/XX/2019, the debt was added back to my report. The collection agency is XXXX XXXX XXXX. The original creditor was XXXX BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX to pull my credit report on XX/XX/2019 XXXX
Product: Debt collection

My name email address home address phone and social has been stolen to open up ez pass accounts, racked up high bills and now Im getting calls from debt collectors. I dont even have an ez pass account at all.
Product: Debt collection

My only notification of this debt was from CMRE Financial Services ( debt collector ). I never received an original bill from the doctor. I agreed to pay the principal owed under the pretense that CMRE would send me the original statement.
Product: Debt collection

Dear to whom it may concern : I recently pulled up my XXXX and XXXX credit report and your company is attempting to collect a debt. 

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy.

If such notice from theconsumeris made by mail, notification shall be complete upon receipt.

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

Im giving your company 10 days to respond to this matter. Failure to respond to this matter will result in legal actions pursued against your company. 

I demand that the following account be validated or DELETED immediately : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I made an international online purchase for {$25.00} so I used my XXXX   XXXX that says it charges no foreign transaction fees. When I viewed my statement I saw that I was charged a {$10.00} cash advance fee. I immediately contacted a representative and was told that the fee was based on the coding of the vendor and that XXXX could not remove this charge. I reluctantly paid the full amount of {$35.00} and when I viewed my account again I saw that an additional {$2.00} " minimum charge '' fee was added after I had paid. I called a representative again and the lady told me that this was a minimum charge on the cash advance and she could not remove this charge neither. I pay an annual fee of {$89.00} a year, make a {$25.00} purchase and get billed {$12.00} in fees.
Product: Bank account or service

PNC Bank charged me XXXX in overdraft fees for a XXXX overdraft. I do admit it was a mistake on my part that this happened, and I have no issue paying XXXX charge, but XXXX is very excessive. This is un fair. I could have got a payday loan and payed way less. This is predatory, and unethical. I am on a fixed income, and this is causing me a major hardship. I explained this to them and they said they will not do anything to help.
Product: Credit card or prepaid card

XXXX of 2023 I was approved for capital one business credit through promotional products. Capital one unlawful freezes my account. Under federal law that's illegal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXXXXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Was sent satisfaction of judgement for debt with discover bank and still am being garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a total of 5 dispute letters to Experian ; I have attached 4 of the 5 certified mail receipts for support. Each time, they respond back stating that the accounts are verified. My issue is that my certified mail receipt shows that my most recent letter was delivered to Experian on XX/XX/XXXX at XXXX pm. I received a response dated XXXX to my dispute letter verifying all 11 accounts in question. There is absolutely no way that Experian did their due diligence on investigating these accounts in just 6 days. My disputes are justified and valid and they are obviously auto-verifying my information instead of doing an investigation on the accounts in question. Here is a list of the items in my letter delivered on XX/XX/XXXX : XXXX XXXX XXXX - # XXXX Reason : This account has a charged off status but XXXX XXXX XXXX XXXX still reporting a balance of {$7900.00} every single month. If the account is charged off, the balance reporting should be XXXX. Please delete this erroneous account from my report ASAP. 

XXXX XXXX XXXX - # XXXX Reason : XXXX is reporting that the date of first delinquency was XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX reports XX/XX/XXXX. Dont creditors send all 3 bureaus the same information? Please delete this inconsistent, inaccurately reporting account from my report. 

XXXX XXXX - # XXXX Reason : Account is reporting as a charge off but was settled. There is nothing more owed. Also, date of last payment is reporting differently between 3 bureaus ; Experian reports XX/XX/XXXX, XXXX and XXXX   report XX/XX/XXXX. This information is inconsistent and should therefore be removed from my report. 

XXXX # XXXX Reason : Account has been transferred to a collector who reports a balance which means this account should not be reporting. Please delete. 

XXXX - # XXXX Reason : Date of last payment varies across 3 bureaus which is inconsistent since creditors should report same info. This account should not be reporting. Please delete. 

XXXX XXXX - # XXXX Reason : Date opened shows XX/XX/XXXX but first reported shows XX/XX/XXXX. This makes no sense. How can an account report before it was opened?? Please delete erroneous account. 

XXXX XXXX XXXX - # XXXX, # XXXX Reason : These accounts are unknown. Please provide signed contract and/or application with my information on it or delete. 

XXXX XXXX # XXXX, # XXXX, # XXXX Reason : These accounts are unknown. The address provided by the company for when accounts were opened is also incorrect. Please provide signed contracts and/or applications with my information on it or delete.
Product: Checking or savings account

I contacted Navy Federal Bank who I have banked with for a while and made them aware of numerous withdrawals from XXXX and duplicate orders send to my home. I also send them the information they delayed on assisting me on the dispute I filed and I have lost out on my money! This is ridiculous banks help who they wan na help when they want.