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

During the months of XXXX, XXXX and XXXX I had fraud committed against me. My card was fraudulently used at several merchants without my knowledge or permission. I alerted my Son and together we called American Express and reported the activity we were assured we had nothing to worry about and they would be credited to the account ... See below DISPUTE INQUIRY NUMBER INQUIRY REASON AMOUNT Denied XX/XX/XXXX XXXX No knowledge of transaction or payment {$200.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$20.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$98.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$200.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$29.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$36.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$28.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$25.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$39.00} However, I just received my bill for this month and noticed they had refused my disputes and now expect me to pay for all of them. I'ma retired widow of XX/XX/XXXXyear XX/XX/XXXX XXXX on a fixed income. My social security does NOT cover this. I was a victim once and now a victim again of American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft CXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I fell like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items writing 30 days gives a reason to immediately remove these items from my credit report. It has be over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information may also have been impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card

On XXXX/XXXX/2016, I mailed a cashier 's check in the amount of {$520.00} to Continental Finance to payoff the balance of a credit card account. Also, on XXXX/XXXX/2016, within the same correspondence, I requested that the issuer close my account and send verification that the account has been closed. This has yet to occur. 

On XXXX/XXXX/2016, I sent another letter to the credit card issuer requesting closure of my account, and as of XXXX/XXXX/2016 the account is still open. I do not understand why this bank refuses to close my account.
Product: Student loan

First, I want to say that the online information regarding student loans and loan forgiveness in general as well as on the FedLoan website is incredibly confusing and difficult to follow. For this reason I have called FedLoan Servicing to clarify things on multiple occasions, and I feel like each time I receive different information. So to be honest, I never have felt confident that I am doing the right thing, submitting the correct forms at the right times, etc., and at times the people I have talked to there do n't seem to know either. 
Currently, my major issue for which I want to file a complaint is that they are now telling me I am overdue to repay my loan. This has not happened to me before, and I do not want my credit rating affected by this frustrating company. 

The backstory : I have applied to FedLoan Servicing multiple times for the Teacher Loan Forgiveness Forbearance. I was repeatedly denied this forbearance for the reason that my loan was not yet in repayment. ( Yes, someone who was on top of taking care of her debts was denied the ability to do so in a timely manner. ) So I re-applied through their website/my account XX/XX/XXXX, once it appeared that my loan was in repayment. They did not send a digital response accepting or denying my application this time, as they had with all my other attempts. Two weeks later, they sent a hard copy letter in the regular mail, again denying my application because apparently I had inadvertently left off the state and zip info for my school. First, I think it 's impossible that I actually left that info off because their online system would n't have let me submit it with information missing. Second, they included a hard copy of a new application, which I dutifully filled out and mailed back. Needless to say, all this cross-country regular mail takes time, but remember, they would n't let me take care of this ahead of time ; my loan had to already be in " repayment '' before they would consider my application. Now they are claiming that my first monthly payment is past due. 

Their lack of electronic communication in this last application, along with all the denials for reasons of applying TOO EARLY, truly make me believe that this company intentionally caused my loan to go into payment and then be late on the first payment for the sake of making more money off me. I honestly ca n't think of another explanation for why they would n't let me apply for the forbearance earlier and then why they neglected to send a digital ( and therefore fast ) letter stating that there was info missing from my application. 
( Oh, and I immediately tried to call to remedy this situation the moment I received notice that my payment was past due. Their phone number is not working. Of course. )
Product: Debt collection

This debt is included in my bankruptcy chapter XXXX and also the date is incorrect on my report
Product: Credit card

I have an issue with my card membership through XXXX and American Express, and the partnership that is being severed between the XXXX. I got the card due to the benefits through XXXX and rarely use it elsewhere. I have other credit cards that I use for day-to-day expenses. I feel compelled to keep the AmEx, though, because it 's the card I 've had the longest, so I do n't want my credit to be negatively affected by cancelling it. Essentially, I will be forced to pay the AmEx membership, even though I wo n't use it due to lack of benefits just so I can maintain my credit rating. These types of " partnerships '' between retailers -- a " wholesaler '' in this case -- and credit card companies seem to force people into situations that are n't fair. Maybe I 'm just venting but I think AmEx should allow card holders to keep the card without paying an annual fee.
Product: Mortgage

I switched from a loan company to it 's parent company. I chose to pay over double what I needed to working on paying off my loan early. Every month I have sent in my payment with a note saying to put the extra amount to principle. For over 16 months, this has never happened. They make two monthly payments instead of putting money to principle. I have talked to multiple managers, but can not solve this unbelievably easy issue. Also, when I do call in to have it corrected, it has at times, taken up to 3 weeks for them to do this. This adds up to months of interest I am paying, when I should not. I do not think I should have to call in every month to correct such a simple problem, but they for some reason can not correct this issue.
Product: Credit reporting, credit repair services, 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 XXXX XXXXXXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/VT XXXX, XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States 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 USC 1681c. ( aX5 ) 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 ( AX ( 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

USAA REVERSES MERCHANTS CREDITS. see attatched XXXX card XXXX  statement XXXX MERCHANT CREDIT XXXX XXXX  ** THREE MONTHS LATER REVERSED see attatched XX/XX/XXXX card end XXXX   statement XXXX XXXX (SECURITY ADJUSTMENT OF) CREDIT REVERSAL XXXX ** NEW PURCHASE I DID * NOT AUTHORIZE. USAA STEALS MERCHANTS CREDITS. ONLY ONE CREDIT CAN APPLY** THE MERCHANTS THEN IS REVERSED.  IT IS THE ONLY CREDIT APPLIED. (FUNNY WHEN I DISCUSS THIS WITH USAA FRAUD DEPARTMENT WE HAVE TECHNICAL DIFFICULTIES OR I AM HUNG UP ON. USAA STEALS   MERCHANTS CREDITS.)
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act Amerassist AR Solutions Account # XXXX and XXXX XXXX XXXX account # 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: Checking or savings account

XXXX XXXX  has denied to return {$99.00} to me and close my account properly after they say a transaction from XXXX placed my account in the negative. I have spoken with XXXX recently for 2 hours and they are unable to find ANY record of them charging me {$99.00} dollars to my simple bank account. But XXXX XXXX told me today they will not Reverse the fee for XXXX and will close my account after 90 days of it being negative and refer me to a credit collection company even though i have given them all the proof that they are indeed WRONG.
Product: Credit reporting or other personal consumer reports

RE : EQUIFAX CREDIT REPORTING I have noticed 5 unauthorized inquiries on my report. According to the FCRA, these unverified and unauthorized items must be removed as soon as possible. 

XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate this record on my account. I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 
Bankruptcy - Reference Number XXXX Date Filed XX/XX/2014 2014
Product: Credit reporting

Experience Credit Reporting employees continue to allow Fiticious Business access to Credit Profile to Lower FICO Score, XXXX. Was allowed access with out proper authorization, or application. The Business phone Number listed is a Mail Box that is Full and does Not allow messages. This is a on going problem with Experian Credit Reporting.
Product: Debt collection

Since you have not validated this debt as required I demand you cease collection activities immediately and remove any credit reporting. The information you provided is insufficient to prove I owe this debt. Send me full documentation showing the origin and amount with my signature or close this account. I expect written nresponse with the required validation materials. If i do not receive them in 30 days i will take legal action under the fdcpa.

Iwill sue. I never entered into a contract with you ( XXXX ). You are a third party who entered into a contract with the alleged debtor XXXX. You entered into this without my consent. There is no contract between you and I involved. Delete this immediatley. 

1692 c Ceasing communication I refuse to pay a debt that doesnt belong to me and youre stressing me out.

Give this debt back to whoever you bought it from.
Product: Credit reporting or other personal consumer reports

I have requested these inquiries be removed as I never authorized them and believe they are due to identity theft I experienced. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Re : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear LVNV FUNDING LLC I received a debt collection letter from you. Do you have the right person? 
Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOUHAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was charged off in XXXX XXXX but the company continues to report delinquent payments in the amount of {$360.00} every month and increasing the account balance. 
I called XXXX and sent a letter on XXXX XXXX, XXXX, requesting that they remove the incorrect information from my credit files. They changed the account status to closed but they continue to report delinquent payments to Experian and XXXX each month. 

I also sent a letter to XXXX and Experian notifying them that the information is inaccurate and requested that it be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX CT XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to formally dispute a charge-off that appears on my credit report. This entry is inaccurate and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal regulations.

According to 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. The charge-off listed in my report is incorrect and should be removed. 

Additionally, I believe the following laws have been violated : 15 U.S. Code 6802 Obligations regarding the disclosure of personal information.

U.S. Code 6803 Disclosure of privacy policies to protect consumers.

15 U.S. Code 1681e ( b ) Requirement for credit reporting agencies to ensure maximum possible accuracy of the information reported.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A Aggravated identity theft.

These violations have caused harm and inaccuracies in my credit report, affecting my creditworthiness and legal process. I kindly request that Experian perform a comprehensive investigation, verify the accuracy of the charge-off with the original creditor, and remove it if it can not be verified or is proven to be inaccurate. 

Please send me an updated copy of my credit report once the investigation is complete. 

Thank you for your immediate attention to this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

To whom it may concern, I received a call from a collection agency called XXXX XXXX regarding a credit card ending in XXXX with the U.S. Bank National Association for a charg eof XXXX in XXXX of XXXX. I do not own that credit card and never have. The card was used in XXXX XXXX XXXX. I live in XXXX, XXXX. I told the collection agent that she was trying to collect on a card that was fraudulently open in my name. I LATER received a letter from XXXX XXXX with instructions to call US Bank XXXX XXXX XXXX at XXXX with a file number and have not heard back. Please assist me with ggis as I have excellent credit and I am concerned about repercussions.
Product: Credit card

I signed up for Raymour and Flanagan 's Financing ; however, TD Bank has not sent me a single statement or letter about my new account. I am not able to register for a new online account. I don't know how to check my balance because I have neither a paper statement nor an online account. 
The welcome email from Raymour and Flanagan does not give me any information about my new account, such as account number and account balance. The link on the website does not go to a page where I can check my account details. 
The website for password reset does not recognize my social security number and birthdate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and I saw XXXX XXXX reporting me a charge off when this account was paid in full I reached out to XXXX XXXX and they realized their mistake they gave me a letter and they requested all 3 credit bureaus to remove the negative information from my credit file, XXXX removed it already XXXX removed it already but aquifex is refusing to remove it for some odd reason I need to go to closing I'm taking out a mortgage and this is killing me and there is nobody to talk to in Equifax they are violating my rights and they are violating the federal FCRA rules please help
Product: Credit reporting

Because of an inaccurate name, address, and account that appeared on my other XXXX credit reports, I wanted to check my Equifax report. I answered their identity-verifying questions accurately, but it rejected me, which REALLY worries me. I do n't know what to do.
Product: Credit card or prepaid card

I was offered pre approved notices fro. Credit Karma from XX/XX/2022 to current. I applied to a couple of the offers and was denied.
Product: Credit card

On XXXX XXXX, 2015, I have noticed that I was being alerted by XXXX that GE capital has pulled my credit report without my consent. Someone has used my social security number in order to used my credit. I asked the bank for a copy of the application, but someone reason a rep was able to give me that information before, but know as I had called back on XXXX, the rep refused to give me that information, as I was able to get the information before, but i have misplaced it, i did not authorize this company to pull my credit report without my consent, i am trying to file a police report about the person who tried to obtain goods in my name,, but I would need the application or some sort to let the police know that someone had used my information without my consent, the bank has engaged in fraud and identity theft. And also the company needs to send me a copy for a letter stating to remove the inquiry. So since the company will not cooperate, i decide to file a compliant.
Product: Debt collection

I filed a dispute on Trans Union XX/XX/XXXX and have yet to receive any notification about my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$3800.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations