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

In XXXX of XXXX a XXXX XXXX card was opened in my name and it was determined that it was fraudulent because they could not verify the identity of the applicant. I contacted XXXX XXXX XXXX XXXX XXXX to remove the account from my credit report and the inquiry in XXXX of XXXX. Initially they informed me that they could not, but eventually they did. What I did not know is that they also sent a fraud alert to all of the credit reporting agencies. So in XXXX of XXXX when I attempted to apply for a XXXX credit card I was denied the ability to apply for credit because XXXX XXXX had sent a fraud alert on my account. XXXX informed me that they could not verify my identity based off of the information from XXXX  XXXX XXXX XXXX. So in XXXX of XXXX I went to the websites of all the credit card companies XXXX, XXXX  and XXXX  and followed the instructions to have the alert removed from my file because it was blocking my ability to access new lines of credit. 

I went online for XXXX  and mailed a letter for XXXX, but I did not receive any confirmation from any of the companies. Most recently, I had to call back on XX/XX/XXXX because American Express XXXX XXXX XXXX informed me that XXXX  still had a fraud alert on my account that required them to verify my identity before we discussed any account information. 

I check my credit report every week through American Express ' XXXX XXXX XXXX which is powered by XXXX  and it did not list a fraud alert notice for XXXX to present date. On XX/XX/XXXX American Express informed me that they had to do a security check, which should have only been a soft inquiry. However, it was listed on my credit as a soft and a hard inquiry. I would like the hard inquiry to be removed. I contacted XXXX on XX/XX/XXXX and they removed the fraud alert. But I had already previously contacted them in XXXX of XXXX to remove the alert through their online portal, so it already should have been removed. So, the American Express soft inquiry should have never occurred since I had already contacted XXXX  in XXXX to remove the fraud alert. I called again on XX/XX/XXXX to get the American Express hard inquiry removed from my report because American Express stated it was due to the fact that XXXX  placed a fraud alert on my credit report. I never authorized a fraud alert to be placed on my account and in XXXX of XXXX I went to XXXX and submitted the documentation electronically for the fraud alert to be removed from my account in XXXX of XXXX and XXXX of XXXX. 

Frankly, I want the American Express hard inquiry removed from my account because I did not apply for credit with American Express. They stated it was a security measure from XXXX  that I did not authorize on my credit report which all stemmed from fraudulent XXXX XXXX card.
Product: Money transfer, virtual currency, or money service

The buyer is fraudulent they received the items as shown on the conversation pictures taken from XXXX chat with them and also got their refund totaling {$660.00} for both payments, they decided they dont want to cancel their transaction and called XXXX with false information initially stating the transaction was unauthorized then changing it to item not received because they want to get their fees back from XXXX. When the items paid for were delivered to them with the tracking number provided XXXX  closed the case and releasd the funds to me. I refunded them based on the funds available in my account through XXXX  with the following calculation the fee on the {$290.00} received was {$8.00} and the XXXX  fee on the {$400.00} was {$11.00} which total {$20.00} for fee on both payment of $ XXXX $ XXXX which XXXX left with {$660.00}. The buyer was refunded {$660.00} on XX/XX/22 to their XXXX  name XXXX XXXX with phone number XXXX confirmed by XXXX before the payment was sent. They are responsible for the fees charges by XXXX because they cancelled their transaction and the amount released by XXXX was credited to them through XXXX  on XX/XX/22 please find attached proof of refund payment completed. The buyer claimed they did not receive the XXXX  transfer and wells fargo refused to reverse the transaction or put a trace on the transaction or cancel the XXXX  transfer since the buyer claimes they didnt receive the XXXX  refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT REPORT IS MIXED UP WITH SOMEONE ELSE FOR POTENTIALLY ALL THREE CREDIT BUREAUS. BUT I ONLY SPOKE TO XXXX BUT ALL THREE ARE SHOWING AN INCORRECT XXXX SCORE AND THE WRONG CONTACT INFORMATION. 

XXXX has my report somehow mixed up with someone else 's. Today I noticed my XXXX Credit Score had suddenly plummeted over 100 points. The only thing that had changed on my report was I had taken out a small student loan for about {$8000.00}. Yet everything else was the same even my delinquent mortgage.

But my score suddenly plummets over 130 points?

And the reasons it gave for the plummeting score had nothing to do with my credit file. 

So I called into XXXX and spoke to an agent in XXXX. The agent kept telling me she had a different phone number for me. My phone number is already on file with XXXX, I had my credit report pulled up in front of me, but the woman kept saying she saw a different number. It was a very strange and frustrating phone call as she would not tell me how to resolve it. All she kept saying was there was a different phone number. 

And worse, the questions that XXXX was asking me when I was accessing my report did not apply to me at all. Although XXXX still gave me entry into my report. 

I have a fraud alert on my credit file because I have repeatedly been the victim of identity theft ( one of them caused by XXXX itself and they are paying for identity protection ). 

But I know that they have the report they release to lenders ( which is different than my personal report ) WRONG. 

The woman told me she saw employment numbers etc. on the report and additional numbers that were not on my personal credit report. 

So the report she accessed on me was different than what I saw. 

XXXX needs to release to me the report they show to lenders so I can verify the information because I did not see any different phone number.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I sent a complaint regarding : It has come to my attention that lenders must be licensed by the State of Florida in order to offer loans to its residents. This company has no license in my state, the loan contract is not valid. 
On XX/XX/XXXX, I received {$600.00} from Big Picture Loans. To date, I have had 8 bi-weekly withdrawals of {$140.00} debited from my account. I have paid a total of {$870.00}, of that XXXX in interest and {$55.00} in principal. This is {$270.00} over what I was originally loaned and should more than satisfy my obligation to the company. I am no longer able to make any more payments to this company. 
On XX/XX/XXXX-The company responded telling me they were not subject to any state laws and : Our records indicate that your current balance is {$810.00}. This includes the Principal Amount of {$540.00} plus the Finance Charge of {$260.00}. Please review and assist with this issue.
Product: Credit reporting or other personal consumer reports

Indefinite block on report for me online cant access anything. Also score dropped XXXX pts in XXXX day for a decrease in a balance for a credit card keep telling me to call plus fiance i called them they say to call transunion. The drop was due to a decrease in my balance??? Doesnt make sense. All other bureaus went up. Score not correct wont change and cant access anything in line.
Product: Debt collection

This company XXXX XXXX XXXX is calling us from XXXX even AFTER they have been made aware that we have and never have had any accounts with them NOR do we have any accounts in default. They become abusive and rude when told not to contact us again and continue to do so regardless. Total XXXX. They need to stop calling us and harassing us for a debt that we do not owe. Peroid fullstop! BTW how DARE those XXXX XXXX XXXX speak to children and attempt to solicit private, personal information about us from a child. THEY NEED TO LOOSE THEIR LICENING.
Product: Credit reporting or other personal consumer reports

In recent months, on my credit report, the account AFFIRM INC ( XXXX ) has been reported consistently on only one credit bureau ( XXXX ), which violates my rights as a consumer by not maintaining a consistent report across all three bureaus. Through this complaint, I request that this account be removed from my credit report. The company is in violation of sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Mortgage

This complaint is a follow up to complaint ID XXXX-XXXX. Mr. Cooper asked for an extension to respond to the above mentioned complaint. The expected a response by today, XX/XX/XXXX. This is in response to an error they made to an agreement we reached on XX/XX/XXXX to take my house out of foreclosure and reinstate my previously agreed to modification. 

I have been making my monthly payments on time since the almost $ 38k settlement agreement. I called Mr. Cooper today to inquire about ( 1 ) the complaint response status and ( 2 ) to make my agreed upon XX/XX/XXXX payment. 

I was informed that ( 1 ) no response has been submitted yet, ( 2 ) the account has been placed back in foreclosure status, and ( 3 ) they refused to accept my XX/XX/XXXX payment.

This matter requires immediate attention. The actions of Mr. Cooper are unprofessional and reprehensible. This situation has caused me physical and mental damages, in addition to causing my breakup with my fianc over this incident.
Product: Checking or savings account

XXXX ach fraudulent withdrawals XXXX $ XXXX charge
Product: Debt collection

****THIS IS NOT A DUPLICATE*** This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. 

Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. 

I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! 

I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS. 


According to the Federal Trade Commission : You must provide authority to collect on your behalf. 

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.
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 violatrthe Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud 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 and Regulation E. These actions have caused significant inconvenience as well as financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just obtained a copy of my credit report and I was very surprized to see several unauthorized account that I had no prior knowledge of.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX # XXXX Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit card

My issue relates to the article written by you. 
I was enrolled in Discover 's " payment protection plan '' which I have ZERO recollection of ever enrolling in -- trust me, I do n't have enough money to just randomly hand them over a percentage of my credit card spendings every month. They enrolled me in this program XX/XX/XXXX ( or XX/XX/XXXX ), due to my admittedly poor due dilligence, I did not notice this being charged monthly until last month. I called them IMMEDIATELY to tell them to remove this program, that i never enrolled, that I never WOULD have enrolled, and that if I DID enroll, it 's because of their dishonesty and not properly explaining this program to a kid getting his first ever credit card. 

They simply said they would reimburse me for the past 7 months, but I am essentially screwed for all the previous years and fees for which they have robbed me. I ca n't afford this and I feel so incredibly misled and taken advantage of, so I appeal to you to please help make this right. 

This details of this scam from Discover were covered by you before here : XXXX PLEASE HELP ME GET MY RIGHTFUL MONEY BACK. I was tricked and am already in dire financial straights. THIS IS NOT OKAY AND IS SO DISHONEST.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit card

I had applied for a line of credit with PayPal Smart Connect, my credit limit was for XXXX XXXX dollars. I made a small purchase for XXXX dollars to a charity organization. Upon receiving my XXXX statement dated XXXX/XXXX/2011 in the amount of {$21.00} due on XXXX/XXXX/2011. I purchased a money order in the amount that was due dated XXXX/XXXX/2011. I mailed out the payment in time to meet the payment due date of XXXX/XXXX/2011. I never made any other purchase on account and contacted papal to dispute the late charges that was showing up on my new statement. I could get a clear understanding as to why I was being charged additional late fees and interest along with other charges. Therefore I requested that my account be closed only to have my account charged off and sent to collection and reported on my credit report. over the course of the years I have tried to contact PayPal regarding this matter and disputed with my credit bureau only to come back with no resolution. I final was able to locate the receipt of payment and the billing statement to support my claim and have launched another complaint this time with CFPB. I would like to have the negative information removed and for my credit report to reflect that my account has always been in good standing.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on DISCOVERBANK. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting

On XX/XX/XXXX I ( XXXX ) purchased a round trip ( XX/XX/XXXX to XX/XX/XXXX ) flight ticket for {$1300.00} to XXXX XXXX from XXXX using my XXXX XXXX credit card to visit my ailing father. 
I also purchased a flight insurance for {$82.00} to protect for 100 % refund incase of trip cancellation. Ten days later, I was advised of the XXXX in XXXX XXXX and called XXXX to cancel the flight becauseof the latest news of XXXX outbreak in the country I planned to travel. 
XXXX started to argue that the airline has to accept the cancellationfor a refund ... otherwise I will forfeit the payment made for the trip. Itold this agent that the transaction was made with XXXX and there is aninsurance coverage to cover full refund of {$1400.00} less {$82.00} ( insurancecost ). I explained to the agent that the trip to XXXX XXXX is prohibited for non essencial travelers according to State Department. I did not get a response from XXXX. I then called my credit card company, XXXX XXXX and denied the charge. The amount wascredited to my account while XXXX XXXX advised XXXX about mycomplaint. XXXX rejected my complaint and XXXX reinstated the costincluded monthly interest rate of 22.9 % since XX/XX/XXXX. I have objectedto the bill and monthly interest and sent a complaint letter ( Case No. 
XXXX and No. XXXX XXXX on XX/XX/XXXX with all records oftransaction including insurance coverage and warning from the nation 's CDCto not travel to XXXX XXXX has ignored my objection, and insteadcontinue to send me bills of outstanding payments, adding monthlyinterest, stopped the use of the credit cards and has sent bad credit recordthat has now created problems with me getting a loan to purchase a home for me and my family. see attached record of dispute. 
I request that XXXX XXXX be investigated for its abuse of consumer protection law and immediately clear all negative reports under my name, XXXX XXXX at all three credit bureaus.
Product: Checking or savings account

Citibank offered {$700.00} bonus for {$50000.00} transfer. On XX/XX/XXXX I opened a Citibank account. On XX/XX/XXXX I sent the {$50000.00} to Citibank. On XX/XX/XXXX Citibank closed my account and froze my funds. They cited that my external bank where I transfered funds from said I was not the owner. I verified with my external bank that the transaction was valid and there were no problems. They said I could show my account statement as proof.
Product: Debt collection

I joined XXXX in XX/XX/XXXX and paid about $120 for their business account. I was told that if I didn't use the account that year, they would refund my purchase price. I did not realize I had also signed up for a Citibank Visa card who automatically proceeded to bill me for the next year (XX/XX/XXXX) for the same amount. I was out of town when the bill came and when I returned, I immediately went down to XXXX  and talked with the manager. After a couple of visits, he refunded the money I had paid in XX/XX/XXXX and I put that money into my checking account. He indicated that I didn't owe them anything as I did not renew any type of membership.I have not been able to convince Citibank that I don't owe them anything and have tried NUMEROUS TIMES to get this straightened out over the phone. To no avail! They believe I owe them (see attached bill). I cut up the credit card and the XXXX card in XXXX, I think, and returned them.I would like to get another XXXX account, but don't want another credit card, either. This needs to be straightened out before I even try to do that.
Product: Mortgage

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX - XXXX of XXXX I have bank statements to prove that i have been paying my mortgage ontime and in full every month. 

I am not sure how this happened. Chase knows that i am trying to refinance my mortgage and is purposely reporting me late so i cant leave them. I Know I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

I sent a debt validation letter on XX/XX/XXXX by certified mail and they received it on the XXXX and still have not responded with a contract with my signature or anything for that matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Republic Finance in XXXX XXXX to pick up car as I could not pay for it. Car was picked up in XX/XX/XXXX. I called Republic in XX/XX/XXXX at the main office was told car was sold & I owed XXXX XXXXXXXXCredit report shows in involuntary repossession & balance of & XXXX. Have disputed several times never changes. So where is car? How much was it sold for? How much do I owe. Never disclosed as per state repossession law. This a mismanaged Co.
Product: Credit card

Two accounts from Capital One Savor One Acct # XXXX and XXXX were opened using my information. I never open these account or made the following purchases. I was never in possession of these cards. I have called and spoke to the CC company and they are no help. I am currently being sued with a court date here soon.