23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry AMEX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I called XXXX XXXX store card which is a part of Citi Bank. The interest rate is rather high. I have NEVER missed a payment and asked to have the interest rate lowered they said no. 

I feel I am being unfairly treated and want to complain.
Product: Money transfer, virtual currency, or money service

my complaint is because of the following This transfer company named Remitly keeps my transfer every time and when I cancel it it keeps my funds for 15 or more days my money is not returned immediately and this happens to me often the last transfer with that problem is the number XXXX XXXX XXXX XXXX for an amount of XXXX Dlls. made on XX/XX/XXXX of this year
Product: Credit card

American Express offered me a bonus of XXXX XXXX " miles '' for opening a new card and spending {$3000.00} on the card withing 90 days. I completed the targeted application, we approved and promised the reward. 
When I did not receive the reward we questioned American Express and was told that I had a similar card years ago and they would not honor the offer. I want to know why Amex would # 1 ) offer me this card, # 2 approve the application for this award # 3 deny me the benefit of fulfilling the offer. I has several other competing offers for my business and decided to give AMEX another chance and have now missed out on several comparable or better offers. 
American Express is making and approving offers that they do not honor and hiding behind small print ... .extremely misleading and deceitful marketing practices from a company I hold in high regard, I hope they make this right.
Product: Checking or savings account

In late XX/XX/2021, after being released from hospitalization due to XXXX related health issues, I discovered that someone had stolen hundreds of dollars from my checking account via fraudulent charges from XXXX. While hospitalized, I did not have my computer or phone with me, and this is the first time I became aware of these charges, which span XXXX and XX/XX/2021. After filing a dispute with XXXX for every charge ( all disputes were denied, without reason given, and the appeal was also denied ), I filed a fraud affidavit with my bank, formerly XXXX XXXX and now, Lending Club. I called to file the complaint and included all fraudulent charges and included some key facts ; 1. During the period in which I incurred the charges, I was either very sick at home or hospitalized ; and 2. The only XXXX product I have is my XXXX which I did not possess at the time of these charges. In fact, in mid-XXXX XXXX, I sent the phone to my insurance carrier since a damaged battery needed to be fixed. I did not receive the phone back until I was back from the hospital in late XX/XX/2021. These charges were all made from XXXX Applications, and, again, besides the XXXX, I do not own any other XXXX products. I filed two fraud affidavits for the bank under penalty of perjury on XX/XX/2021. I also sent screenshots of each of the 193 fraudulent charges that were charged to my XXXX account. I was told that it would take the bank up to 90 days to complete an investigation, but there would be provisional funds in my account within 10 days. Yesterday, I realized that my bank balance was {$.00}, I had not paid my phone bill and was unsure how I would feed myself for the rest of the month or get medication ( I do have an SSDI status, of which I informed the bank and am on a strict fixed income. ) I sent an email to the bank, as it was after business hours, to which I received no response. Today, XX/XX/2021, I called the bank and asked for an update. I was told that my claims were ALL DENIED and a letter was sent dated XX/XX/2021. I never received such a letter. I'm also curious as to how all 193 claims were reviewed and discarded within 48 hours! I asked the customer service representative for a reason, and she stated none was given. Further, she could not find a copy of the letter that XXXX allegedly sent to me. I am beside myself. I have had identity theft issues for years now, many of which your agency has helped me with, and I am sick of going through this. If I did NOT have the phone in my possession, as I again attested under penalty of perjury, how could I have personally racked up these charges? I need a resolution asap so I can buy food and my medication within the next few days.
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 tak timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce : 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: Payday loan, title loan, or personal loan

this loan was paid off then they added a bunch of interest charges. i keep getting collection calls all times of the morning before XXXX and calls after XXXX. They are also calling relatives friends and old room mates. They are leaving several messages I am attaching voicemail left on my mothers phone.
Product: Debt collection

I paid in full by XX/XX/XXXX of last year a bill that had gone to collections with Western Ctrl original creditor was XXXX XXXX XXXX XXXX. This suddenly appeared or updated on my credit XX/XX/XXXX as an open collections. I am VERY angry! I want this off NOW! I called Western Control and they have reported this debt as paid in full. I do n't know who took it upon themselves XXXX months AFTER debt paid in full to put this on my credit report. Its false reporting and needs to be taken off immediately!
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged an annual fee of {$95.00} for my Alliant Signature Visa credit card ( with a stated period of " XX/XX/XXXX through XX/XX/XXXX '' to which the annual fee applies ). An important feature of this card ( and the sole reason I applied for, and use, this card ), is a 2.5 % " cash back '' feature on all purchases up to {$10000.00}. 

In XX/XX/XXXX, I received notice, that EFFECTIVE AS OF XX/XX/XXXX BILLING CYCLE, my cash back rate would be reduced to 1.5 % unless I opened an Alliant Checking account with various requirements ( e.g., minimum balance, minimum deposits, etc. ). 

Please note that this change will be implemented mid-way through the period for which my current annual fee " covers. '' In other words, they have charged me {$95.00} as an annual fee for the stated terms and conditions ... and midway through the period, have reduced/degraded the terms and conditions. 

I would like a refund of my annual fee since the features that I have already paid for ( via the annual fee ) are changing midway through the annual fee cycle. This is clearly not fair.
Product: Credit reporting or other personal consumer reports

After receiving a recent copy of my credit report, I noticed an unknown inquiry on XX/XX/year>. I am not sending you with this inquiry and have reached out to the company to provide why my credit was accessed. I did not authorize this request. I have had no response from the company. They had me request this via mail. It has been over 30 days and I have not received any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, TransUnion Consumer Solutions Consumer Reporting Agency are in violation of 15 USC 1681 ( a ) Accuracy And Fairness In Credit Reporting 15 USC 1681 ( 1 ) - Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 USC 1681 ( 4 ) - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681 ( b ) - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 USC 1681b ( a ) ( 2 ) - ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1692g Validation of debts.
Product: Credit reporting or other personal consumer reports

I asked Experian to investigate the inaccurate reporting for an account appearing on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, because of inaccurate and unverifiable payment history. 

Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY, Experian is required by law to update, correct or delete this account. Experian did neither ; the status updated for this account still remains as XXXX XXXX XXXX  The notification sent to me stated the item was " verified and updated '', but it was not updated, nor was it independently verified. 

Experian uses e-Oscar, which does not qualify as conducting an independent investigation of my disputes. If Experian conducted a reasonable independent investigation, they would have removed the account because of the missing payment history. Experian failed to conduct my dispute investigation. The account is still reporting on my credit file with incomplete information, which makes it eligible for permanent deletion.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute Request for Permanent Deletion of Inaccurate Accounts Dear TransUnion Dispute Departments, I am writing to formally dispute the following accounts that are inaccurately reporting on my credit reports. These accounts do not belong to me and were reported without my authorization. I am demanding that they be permanently deleted from my credit file immediately. 

The details of the disputed accounts are as follows : TransUnion Accounts in Dispute : Creditor : XXXX  XXXX {$38000.00} Creditor : XXXX XXXX {$6200.00} Creditor : XXXX XXXXXXXX {$3800.00} Legal Basis for Dispute : Under my rights as a consumer, I demand the immediate deletion of these accounts under the following laws : 1. FCRA ( 15 U.S.C. 1681 et seq. ) The Fair Credit Reporting Act requires that all reported information be accurate, fair, and verifiable. If these accounts can not be fully verified in compliance with federal law, they must be deleted immediately. 

2. FCRA 15 U.S.C. 1681b ( Permissible Purpose ) A credit report may only contain accounts that were legally authorized by the consumer. If these accounts were opened, reported, or accessed without my explicit consent, they violate the FCRA and must be removed.

3. 15 U.S.C. 6802 ( Financial Privacy Law ) This law prohibits the unauthorized sharing of consumer financial data. If my personal information was misused, improperly reported, or shared without my consent, these accounts must be deleted.

4. 31 U.S.C. 5118 This statute reinforces the necessity for accurate and lawful financial reporting in consumer credit files.

5. FCRA ( 15 U.S.C. 1681i ) Requires credit bureaus to conduct a full reinvestigation within 30 days and remove any unverifiable or incorrect accounts.

Request for Immediate Action : I am formally requesting that XXXX and TransUnion : XXXX a full reinvestigation into the accuracy and legitimacy of the reported accounts. 

Obtain proper verification from XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX proving that I authorized and am responsible for these accounts. 

Permanently delete these accounts from my credit reports if they can not be fully verified with legally sufficient documentation. 

If this dispute is not resolved within the legally mandated 30-day period, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and considering legal action for damages caused by the continued reporting of inaccurate information.

I have enclosed a copy of my ID and proof of address for identity verification. If you require any additional information, please contact me in writing at the address provided above. 

Thank you for your immediate attention to this matter. I look forward to your confirmation that these inaccurate accounts have been permanently removed from my credit reports. 

Sincerely, XXXX XXXX
Product: Debt collection

My daughter had a roommate back in XXXX. Apparently there were " move out '' charges to XXXX XXXX XXXX which were billed to her roommate. The debt was apparently paid in full on XXXX/XXXX/XXXX. However, in XXXX XXXX a negative delinquency appeared on all XXXX of my credit bureaus ( I am told I co-signed my daughters ' lease for her first XXXX apartment, although neither of us recall me doing so ). This is a full year and a half after the obligation had been met and resolved by her ex-roommate. At no time was I made aware of any outstanding debt to the apartment, nor was my daughter ever informed of such. They only communicated to the delinquent renter. 
My issue - while they are willing to have it removed, it can take until end of month before it 's sent to all XXXX bureaus - and then you add on however long it takes the bureaus to update. I am going for a new construction loan for a house I 'm building in FL. This single item on my report dropped me from XXXX to XXXX. This severely impacts any terms and approvals I will get on my construction loan. 
I 've maintained excellent credit my entire adult life - and this mistake - sending something which has been resolved 18 months AFTER it 's been fully resolved to a bureau to reflect on my credit rating - at a time when I 'm applying for this construction loan - is unbelievable. The fact they ca n't get it removed from the XXXX major bureaus, after having no issue putting it there in the first place, needs to be addressed. 
The credit reporting company is Meade and Associates - XXXX XXXX XXXX, XXXX, OH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX contacted XXXX  to remove inaccurate late payments on my credit report several attempts and XXXX XXXX  reporting it as updated with no investigation.
Product: Debt collection

Back in 2015 I went to XXXX XXXX XXXX XXXX school. They say they will help you get your XXXX, and reimburse the cost of school after you work there for x amount of time. They then make it impossible to work for them. Shortly after I quit it my credit, after the time expired for them to take it to court they threatened a law suit with XXXX XXXX as their debt collector. A couple months ago when I filled that complaint with you, XXXX agreed not to sue, and to remove it from my credit. Now XXXX has hired another collection agency who has relisted it on my credit. XXXX and their predatory lending practices continue to harass me and my family. They have threatened me, lied about loan amounts, and seemingly edited the original contract. Not to mention now I supposedly owe 4 thousand plus- not what my paperwork shows.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX XXXX XXXX and the major credit bureaus XXXX XXXX Equifax XXXX and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the XXXX XXXX XXXX XXXX ( XXXX ) [ XXXX XXXX. XXXX et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX et seq. ], XXXX XXXX XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from XXXX, Equifax, and XXXX? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and XXXX. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with XXXX, Equifax, and XXXX immediately, in accordance with the FCRA and XXXX. If XXXX XXXX XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Mortgage

The company involved is XXXX on behalf of a mortgage through Agfirst the address for the company is XXXX XXXX XXXX, XXXX XXXXXXXX, VA. I had a mortgage on a home which I sold. I had requested a payoff statement that was good through XX/XX/XXXX. 

My attorney that closed the sale sent a check to the above address via USP overnight. The tracking number is # XXXX and it was delivered XX/XX/XXXX at XXXX by XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX , Va . 

A week after the delivery my attorney notified me that the check still had not cleared. 
I began making contact with XXXX and XXXX multiple times not getting anywhere. They stated they had not received the check or the package at all. 
I started a Complaint with them and the customer service rep said while my account was under " research '' that I would not have to make a payment or be charged any interest. 
My attorney and I had thought that this was resolved, until I got a notification that my credit score had dropped and was also being charged interest on my account for XXXX. When the account should have been paid off XX/XX/XXXX. I called my attorney and she said that she finally got through to someone by asking for their HR department and they finally said they had received the package but there was no check inside, which I believe is a lie. My attorney cancelled the check and agreed to wire them the money. So my account should be paid off now, however I want to get rid of the mark on my credit and I am refusing to pay that interest. I think this company is highly unprofessional and should not be handling these large sums of money.