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

I did not purchase a speaker from XXXX sold by a seller but they charged into my Barclay 's credit card ending XXXX with the amount of {$410.00} transaction date XX/XX/2022, Now it goes up more than {$600.00} due to late fee & interest .I did not receive a speaker, what I receive was XXXX yellow envelope with the USPS tracking numbers label, the numbers are exactly same the tracking numbers XXXX provided XXXX THEY SAID order was delivered. I think this is totally scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this issue with XXXX since XXXX. I have had a mortgage on my home since XXXX. SPS ( Select Portfolio Servicing ) is my current mortgage holder and has been for the last several years. For some reason in XXXX, XXXX deleted SPS off of my credit report. SPS was finally added back on this year, but a few weeks later I received a message from my credit monitoring company that it had been deleted again. This is my third complaint to CFPB. Im not sure what your purpose is at this point. I have checked with SPS and they assured me that they are reporting to XXXX every month. XXXX XXXX XXXX has it right, but for some reason XXXX can not get it right. This is damaging my credit score as it is lowering my credit age and my credit mix is not accurate. Also, this mortgage has never been late so I want the benefit of all my on time payments for the almost 15 years. I have sent XXXX  a total of 5 letters and they still have not address why they are not reporting my mortgage. At this point I am ready to hire an attorney because the level of incompetence is ridiculous. There are several other items that are incorrect on my credit report but I need XXXX to fix this one first. I am attaching my XX/XX/XXXX statement from SPS as proof that I have a mortgage.
Product: Payday loan

Deducted payments from my bank account and did not credit my account. I paid over XXXX for a XXXX loan and nothing was applied to my balance. 

They have also called me and my employer and threatened imprisonment.
Product: Mortgage

This is proof positive that Wells Fargo and other committed outright fraud. I have attached supporting documents and case law that supports what they did was outright fraud. Please view the assignment dated XX/XX/XXXX. You can see that Wells Fargo created this assignment for XXXX 's. This is not possible because XXXX XXXX XXXX went out of business back in XXXX. If you look at the case law, which is attached you will see that it is not possible. The alleged Assignment of Mortgage which purported to transfer interest in the mortgage to XXXX XXXX as assignee, was invalid because XXXX 's as nominee for XXXX XXXX XXXX had no authority to assign the ownership interest of said mortgage, because XXXX 's was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX, which was a non existent Corporation. Said purported assignment was without authority and therefore invalid. XXXX 's had no ownership interest in the mortgage and was merely named as a nominee for the non-existent corporate mortgagee. Based on the foregoing, Wells Fargo and XXXX XXXX had no standing to bring any actions. Neither had no legal right to attempt to claim ownership of the subject Note and Mortgage, or any right as servicer, for some other unknown entity, and is without any legal basis to attempt to foreclose the subject mortgage, or to collect on the Mortgage Note, because XXXX  XXXX XXXX did not exists after XXXX. The collection of mortgage payments by the Plaintiff and its predecessors in interest, was therefore illegal and they were without any legal right to receive and use or disburse the funds therefrom on behalf of any owner of the Note and Mortgage, or any other party. ( They attempted to foreclose on 3 separate occasions ) Another fraudulent assignment which is dated XX/XX/XXXX is attached. You can see that Wells Fargo created this assignment, but indicated that the assignor and assignee was both XXXX XXXX. How can you assign an assignment to yourself. There is also the issue of material fact as to the assignment dated XX/XX/XXXX, which was recorded in XXXX, well after they initiated a foreclosure. This is well documented fraud and the CFPB needs to take action on this immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this is my tracking XXXX XXXX XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to,,, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Trans Union really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I've had my identity stolen. There is nothing on my credit record that pertains to any of the purchases I've made. It's because someone stole my identity and used it without mypermission. Because I filed a complaint with the FTC about identity theft, here is a copy of that report. Please remove this from my credit record and notify the relevant parties. 

Your help will be highly appreciated on this matter. 

XXXX XXXX
Product: Debt collection

XXXX Never got invoiced by the company send to collections agency and apparently owe {$8900.00} & XXXX never asked to get medical help or attention and believe this is scam since never recieved invoice till now
Product: Debt collection

Filed complaint with company regarding 5 year old apartment debt. Asked for validation of debt ( original documents with my signature ) and still have not received anything. With that being said, I want this negative reporting deleted immediately from all 3 credit bureaus. This company is violating the FCRA by reporting negative information without properly validating the debt belongs to me.
Product: Credit card

On or about XX/XX/year> I contacted the Target Credit Card Company about my account that suddenly showed a drop of XXXX points on my XXXX XXXX account and the account was suddenly reduced in available credit by over {$1200.00}. I immediately contacted the Target Company and told them that the account was setup ( AS ALL MY CREDIT CARDS ARE ) into a " auto payment so that I never miss a payment due. I was told that this was not the case and there was nothing they could do it was totally my fault and they never sent any notification of a payment due, late payment, missed payment via email, hard copy US Postal Nothing to indicate an issue. I had had a Target account for a number of years and was totally dismayed over their actions and the immediate damage to my credit. Now I find that this damage is the SOLE FACTOR in damaging my credit to the point I am unable to get a home equity loan when I need it the most. I've lost my father due to XXXX and at the same time had to repair my home due to water damage and subsequently black mold. Hence I have had to use many credit cards to their limits and now due to ONE COMPANIES credit card damage I can not get my loan and Target says they can not or will not do anything to remove and restore my credit rating. NEVER MISSED ANY PAYMENT ON ANY CREDIT CARD. You can see " E PAYMENTS '' on the account prior them showing missed payments XXXX XXXX. You can check my full credit report history and find NO MISSED/DELIQUENT payments on any other accounts.
Product: Prepaid card

unable to utilize two gift cards from american express totaling {$150.00}. I have tried to use the cards on multiple occasions and different websites and stores but the cards always decline.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX left sensitive credit data of over 110 million consumers open to unauthorized access. While pending civil litigation and possible criminal prosecution will determine the extent of XXXX XXXX negligence in this incident, in the near-term millions of Americans, myself included, remain at a heightened threat of identity theft now that our data has been compromised.
Product: Credit card or prepaid card

On XX/XX/2021, as I was purchasing an airline ticket on XXXX, a credit card offer from American Express popped up. The offer indicated I would receive a total of XXXX air miles if I spent {$2000.00} and another XXXX miles with any XXXX purchase. I was unable to respond to the pop up offer and apply online as I do not have a proper house street number. We have XXXX XXXX XXXX here in the city of XXXX, CA. ( I had to purchase the airline ticket with a Visa credit card since I did not yet have the AMEX card ) After purchasing the airline ticket, I called the AMEX new credit card offer phone number and did the application with a very helpful AMEX representative. He completed the application and upon instant approval, read me a required credit card statement / agreement. He said that it would take a week to receive the card ( XX/XX/XXXX ) which it did. He also thoroughly reviewed all the welcome benefits including the XXXX miles and indicated it would take a statement or two to post after spending {$2000.00}. He was very helpful and even suggested that I make a simple onboard purchase to complete the XXXX purchase for the XXXX miles. He also saw that on my account that I had a very, very old AMEX cash card and updated that to their new cash card. ( more proof that I did all of this over the phone and not online ). 

On XX/XX/XXXX, I completed the {$2000.00} spending requirement and on XX/XX/XXXX, the XXXX purchase, both within the requisite time period. I waited for the milage credit to post for two statement periods which never happened so I called AMEX requesting the proper milage credit. 

The AMEX representatives supervisor told me that when I applied online at XXXX a pop up told me that I did not qualify for the welcome offer. I told her that would have been impossible since I had applied live over the phone directly with an AMEX representative and at that time was given in great details my welcome offer including the spending and milage credits. Her response was Oh that is different and I was given a XXXX XXXX which is XXXX. She said they would investigate and respond by XX/XX/XXXX. 

I received no written or phone call response from AMEX, so on XX/XX/XXXX I called them a second time. After relaying the details of my previous contact / conversation with AMEX, an AMEX representative supervisor told me again that it be investigated and resolved within two weeks. I clarified that the Case Number would be the same number. As of today, Tuesday, XX/XX/XXXX, they have neither contacted me as promised nor posted the XXXX + XXXX miles to my account. 

I would like for American Express to honor their advertised and accepted Welcome Offer to me and post the XXXX XXXX XXXX as promised since I had fulfilled all the spending requirements in the time allotted. The American Express XXXX XXXX XXXX Number is XXXX.
Product: Payday loan, title loan, or personal loan

I Got a Loan through XXXX XXXX  in XXXX, Oklahoma. I lost my job and told them that i would be late and that i did start a new job, that the date i would pay would be when i get my first full paycheck on XXXX. That i would pay any late fee, first time i ever missed a payment, they said i needed the money sooner and that they would call me everyday as much as they want until i pay them. They have called me few times ever day and my family, im at work and can't answer. Its getting ridiculous and almost to Harassment, they left voicemails saying i have to call back or go up there in person, but it's there bullying tatic once there they try to make you feel belittled and that if you don't pay right then and there they will take you to court. Was due XXXX.
Product: Debt collection

I received a copy of my credit report and American Express is an account listed. The account is fraud, and I immediately did a police report on XX/XX/year>. I then requested the third-party interloper collection agency XXXX that American Express hired to frequently collect the debt to validate the debt, and they failed to do so. I have requested on several occasions for American Express to stop contacting me by mail or email they have failed to abide by the law.
Product: Debt collection

I have unknown debt collection on my XXXX report, I was trying to dispute it, but the debt collection agency doesnt provide any details on the debt and I dont owe any debts to anyone. 
The debt collection agency still wants to pay debt and my credit score is went down.
Product: Bank account or service

On XXXX XXXX, 2015 I made an online ACH payment for my student loans. I called the Citizens Bank XXXX online teller system that evening to verify my checking account balance, and discovered that this transaction caused an overdraft of {$47.00}. Early the next morning I made a {$50.00} cash deposit around XXXX The deposit revealed my account balance was now {$2.00}. Later that evening on XXXX XXXX I again verified my checking account balance using the automated teller system. This time I discovered that the Citizen 's Bank XXXX had charged my checking account an overdraft fee of {$35.00}. I then asked to speak with a manager to find out why the bank charged a fee when my checking had a balance of {$2.00} earlier that morning. The manager, whose name is XXXX responded by telling me that the bank could charger a {$35.00} fee whenever they decided to. I do n't feel that I should have been assessed this fee, in addition to additional fees which followed, since the fee itself created an overdraft from the earlier balance. When I received my paycheck that Friday, XXXX XXXX. These amounts had been deducted. I would like to have the fees removed to resolve this issue. In addition, I did not opt to have the overdraft protection offered by Citizens Bank XXXX, so if my account did not have the funds when I attempted to make a student loan payment online, the transaction should not have gone through as payable. 





led the toll free banking
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and fraudulent inquiries were included in my credit report without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting these fraudulent inquiries. For yet another last time, the following inquiries are fraudulent : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX   XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX/XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX  XXXX XX/XX/XXXX 12. XXXX/XXXX  XX/XX/XXXX This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company. 
I have attached for your review my dispute letter I sent to this company earlier and my FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has ruined my reputation by illegally sharing my information and alleged accounts to affiliates and third parties. Im a federally protected consumer with rights and a righ to privacy that Equifax has breached pursuant to 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681a ( 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 considered an exclusion on a credit report. They have violated me numerous times. Theyve also violated my right to privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). Theyve reported factual information regarding my addresses, name, etc. Ive tried numerous of times to resolves these problems with no avail.
Product: Debt collection

XXXX is the number that called me. i return the call and a lady name XXXX answered saying i owned a debt for a hospital in my town. She explained it was only {$100.00} and wanted 4 payments of XXXX. I am aware of such bill but it is more than XXXX. She continued to ask for the payment and i told her i don't know when i will have the money. The name of the company was Amcol She gave an account number and told her have a good evening.
Product: Credit reporting or other personal consumer reports

For months, XXXX  has yet update balance and utilization info for months on both credit reports for myself and my wife XXXX XXXX XXXX, ( birthdate XX/XX/year> social XXXX ) who is listed as my authorized user.
Product: Credit reporting or other personal consumer reports

I Have Hard Inquiries On My Credit Report From XXXX XXXX, XXXX XXXX XXXX XXXX, Bank Of America, XXXX XXXX, And XXXX XXXX. I Have No Acknowledgement Of These Inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXXXX/XX/year>
Product: Mortgage

I applied for a mortgage loan and from the beginning I tried to request a 60 day rate lock. I was told this was not needed because I was putting a large downpayment of {$220000.00} there should not be any issues. The home was being purchase from my brother for {$400000.00} and a loan was being requested for {$180000.00} for a period of 20 years. 
on. The loan application was started on approximately XX/XX/XXXX on the week of XX/XX/XXXX I was informed that while checking my credit there was a fraud/extended fraud alert in the credit agency. I provided proof that XXXX, XXXX and XXXX show no locks. I was told told that XXXX had it and it needed to be clear in order to proceed. On XX/XX/XXXX I faxed proof of id and request to have any and all extended fraud alerts removed. The representative told me that the request was received and it will take two business days to complete in there system. On Tuesday XX/XX/XXXX I called and verify that the request was removed through the confirmation number provided by XXXX. On XX/XX/XXXX I was informed by Citibank mortgage loan officer that all three credit bureaus are reporting fraud alerts and if not removed by consumer loan rate will not be honor and the process will have to start over. An appraisal on home was made on the first week for an outrageous price of almost {$700.00}. The average price for appraisal by other companies is about 400 -500. I was forced to go with Citibank appraisal and it was conducted on XX/XX/XXXX. Citibank despite my efforts to clear fraud alert is saying closing of loan will probably not occur and rate lock will not be honor. I find this type of business as unethical as I tried to get a rate lock for 60 days in the event something did not get accomplish.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of a data breach in which my personal information was compromised. As a result, fraudulent accounts have appeared on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of these unauthorized accounts. 
Fraudulent Accounts 1. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} 2. XXXX XXXX - Account Number : XXXX  - Date Opened : XX/XX/XXXX - Balance : {$52.00}
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, & XXXX, XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where ExperianXXXX XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX & Experian 's XXXX inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX - Late Payment Removal, Account Paid In FULLand CLOSED and should be Current XXXX - Account Removal Unauthorized Account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act all of the companies listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15USCODES1681 section 602 A - States I have the right to privacy 15USCODES1681 section 602 A section 2 - It also states that a consumer reporting agency can not furnish a account without my written instructions.