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

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never past due and the credit companies are stating I was, I have proof
Product: Mortgage

During a loan application to refinance with Mr. Cooper ( https : //www.mrcooper.com/ ) I was asked to sign a large number of documents online. One of the documents was the California Privacy notice which informed me that Mr Cooper would sell my data to third parties unless I chose to opt out. The electronic forms had no way for me to opt out so I called the customer service ( XXXX ) and spoke to XXXX. After 90 minutes on the phone they said there was no way they could help me and referred me back to the loan officer The loan officer advised that the only way around this was to print the forms ( XXXX of them and sign by hand Mr Cooper are making it deliberately difficult for customers to protect their privacy Other details Loan Officer : XXXX XXXX XXXX XXXX NMLS # XXXX Privacy notice attached
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on my transunion credit report as someone is trying to apply for credit cards under my name using my SSN. There is XXXX unauthorized hard enquiries with the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently pulled my credit report and discovered that this company has reported that I owe them a debt
Product: Checking or savings account

On XX/XX/2020, I was scammed out of {$650.00} that was taken from my account through my debit card. The assailant also purchased items through XXXX, and XXXX. 
Claim # XXXX for {$330.00} Claim # XXXX for {$160.00} Claim # XXXX for {$120.00} This claim was for a {$50.00} gift card from XXXX, a {$25.00} to XXXX gift card, and two {$25.00} gift cards at XXXX. They were all purchases that the assailant made with my debit card. The total amount equaled {$620.00}, plus {$150.00} was charged to my credit card. 

I filed claims on each fraudulent charge with my bank and they are refusing to pay it back as they say it was not in their error. I have spent more than three hours a day, since XX/XX/XXXX, on the phone with my bank trying to resolve this matter. I received letters in the mail today saying they were not going to pay it back. 

I had also filed claims separately, for three charges from XXXX {$33.00} for toilet paper I didnt receive, and XXXX for 2 charges of {$24.00} that were for a subscription that I did not subscribe to. 
They credited my account for the one of {$24.00} charges, and the one for {$33.00}. Im having a really hard time understanding how they could have returned these two charges but not credited me for all the charges that were illegally taken from me through my debit card. They also credited what they called a card final payment of {$57.00}. I have no idea what that is for. 

I am at my wits end and dont know what to do. As Im sure you know, times are hard and that money is my only way of survival. I could not get unemployment and I desperately need this money back. PLEASE can you help me
Product: Debt collection

I pay world finance on XXXX XXXX XXXX. in XXXX, South Carolina {$140.00} every month but this month I was only able to pay XXXX plan on catching up in XXXX weeks but they are making me Pt Phone called. They called XXXX times within XXXX minutes. That is on my phone log. And I told him to stop calling repeatedly and they told me that until I pay the full Ville that they would call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was a victim of identity theft.. Have multiple inquiries on my credit reports that wasnt me.. Ive sent letters, emails, phone calls, disputes, to please remove all inquiries..
Product: Debt collection

Bank levy placed on my bank account on XX/XX/XXXX by Midland collection agency I have disputed this account since XX/XX/XXXX requesting a copy of the credit application
Product: Credit reporting or other personal consumer reports

I have filed numerous disputes with XXXX, XXXX, and Experian over the past 60 days regarding inaccurate information on my consumer report, hindering my credit standing in obtaining credit. I have requested an investigation report and a re-investigative report to no avail. I was told that only consumer reports were given, not the investigation results. XXXX, XXXX, and Experian must ensure their grave responsibilities to fairness, impartiality, and respect for my right to privacy. These consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information on my consumer report. This is not being done as I have to continuously dispute information repeatedly just for it to come back " verified '' with no information attached.
Product: Credit card or prepaid card

Credit inquiry from commenity big lots. I did not apply for credit. I called them they transferred me would not help.
Product: Consumer Loan

I had a $ XXXX Home Equity loan taken out with USAA.com five years ago. The interest rate I received at the time for the loan was 4.49 %. 
This month, the HE loan was converted to a fixed-rate loan, as had been expected after the first five years. What was not explained to me was that they bumped up my interest rate by 250 %, to 10.35 %!! When I asked about this possibility several months ago, I was told it would " depend on market conditions. '' Clearly, interest rates have not doubled since I took out my HE loan, and nothing else about my credit history ( which is excellent ) has changed! 
I 've been the victim of 'bait and switch '.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX financial XXXX XXXX XXXX, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX  Balance : {$2900.00} XXXX XXXX XXXX  Balance : {$2900.00}
Product: Credit reporting

I have been disputed this same account for over the last year ... Here is XXXX # XXXX validation of this account was never proven and I have requested this information a number of times ... It has been 60 days and counting to get this account removed as it has stopped a number of times from getting credit. Equifax is in violation and nothing is been done about it why? Please have them remove this account ASAP. 
I have attached additional information and the credit never showed I owe this debt!!!! Please remove!
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( XXXX  ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX XXXX ( XXXX ) 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

I signed up for a 0.0 % interest 6 month financing from American Express in XX/XX/XXXX. 

Every single bill since then I have had to call in because I am still being charged interest. I would call each agent at American Express and ask specifically WHAT AMOUNT DO I NEED TO PAY to keep my promotion and not be charged interest? They would tell me some story about some previous balance in XX/XX/XXXX ( although prior to this promotion I have ALWAYS paid my balance in full for the LAST SEVEN YEARS ). Each time I called the agents would tell me an amount I needed to pay to get rid of the balance that was being charged interest, so I would pay that amount plus more. The next bill comes in, and I'M STILL BEING CHARGED INTEREST for a 0.0 % financing promotion. None of my bills clearly stated the amounts I needed to pay to stop being charged interest so I kept paying more than the existing balance and more than the minimum. 
I tried to file a complaint with the agents at american express and no one has ever gotten back to me. I called again today and even the agents don't understand how I'm being charged interest or how the previous agents told me an amount that was not accurate to clear my bill. The latest story I received today was an agent " guessing '' that I was being charged interest because I signed up for their promotion in the middle of a billing cycle ... .again I AM THE CONSUMER how is it my job to decipher when I sign up for a promotion and how it affects my bill? If XXXX can not clearly and accurately bill me or tell me what I need to pay when I call, and I pay what they tell me to, this is not my fault. Clearly their system needs to be fixed. 

I find this a very misleading and unethical business practice, and if I am having this much of a problem that I need to call every month, I can only imagine how many thousands of other consumers american express is taking advantage of with their shady billing practices. 
They should not be allowed to advertise and have people sign up for a 0 % interest promotion and erroneously charge interest. If they are going to charge interest they need to be CLEAR AND PRECISE in their billing statements on the total amount that needs to be paid in order for interest not to be charged, because apparently every agent I called and spoke with had different ways of coming up with calculations and every time told me an incorrect amount. 

I don't have all of my past phone records but I do know that I contacted XXXX on XX/XX/XXXX and multiple times with various agents on XX/XX/XXXX which is also when I filed a complaint. And again today on XX/XX/XXXX.
Product: Checking or savings account

I mistakenly initiated an online bill payment of {$2300.00} to XXXXXXXX XXXX XXXX on XX/XX/XXXX, unaware that the account had been transferred to a new mortgage servicing company as of XX/XX/XXXX. XXXX XXXX rejected the payment due to the mortgage loan no longer being active in their system. Despite assurances from Bank of America representatives that the funds would be returned to my account, an audit of my bank account shows that the funds were sent out and not credited back. I have contacted Bank of America multiple times, and each time they claim they need to investigate further by reaching out to XXXX XXXX. It has been 2 months with no progress on the claim, causing financial hardship and late charges. I urgently need this issue to be resolved as the {$2400.00} is crucial for me during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Product: Student loan

Bank checks issued payable to Department of Education to fully pay off my parent loans with Great Lakes. 

XX/XX/XXXX- U.S . Postal Tracking confirmation that the checks were received by the Department Of Education ( XXXX.XXXX XXXX, XXXX, GA XXXX ). 
XXXX Both checks were cashed on this date. 

TO THIS DATEXX/XX/XXXX my account has not been updated with the payoff payments I have made. 

Been speaking with XXXX, supervisor at Great Lakes and she advised me that the checks were sent to XXXX in error. 

How did that happen if the Payoff Statements downloaded from Great Lakes website were attached with the checks mailed. 

The checks were issued to the Department of Education and referenced to Great Lakes. 

How long will it take Great Lakes to rectify the situation?
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts reporting to Experian which are fraudulent & I'D like them removed from my report. These fraudulent items should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. They claim they verified the accounts with the company but I'm truly confused about how they can verify a fraudulent account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX
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 XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX : XXXX, XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 ( A ) ( 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 reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : JPMCB - CARD SERVICE XXXX Open Date XXXX XXXX XXXX Balance : {$2500.00}, JPMCB - CARD SERVICE XXXX Open Date XX/XX/ Balance : {$2700.00}
Product: Consumer Loan

On or around XXXX XXXX, XXXX I received an alert ( XXXX ) from XXXX in the form of account change. Log on to each bureau and notice it was multiple late payments appearing that was n't the prior to XXXX XXXX in which I only had XXXX 30 day late from SantanderXX/XX/XXXX. Previous I had XXXX 30 day late payments of XXXX and XXXX, which I had received XXXX 2 month deferrments XX/XX/XXXX and XX/XX/XXXX XXXX. I disputed the XXXX XXXX late and it was removed, later I disputed the XXXX late payment in XXXX of XXXX and received a late for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result of disputed a XXXX of XXXX. I do have documents if needed.
Product: Debt collection

XXXX XXXX XXXX has contracted with Scott & Associates PA for the purpose of debt collection. I have been sued in court for a debt they say that I owe. The contract copy provided has information that I have no knowledge of and it makes up a significant portion of the amount they claim that I owe. The alleged debt is from a few years ago, but they had zero contact with me regarding this debt prior to XX/XX/2020 when I was served with court papers in the middle of a pandemic. I have attempted to contact Scott & Associates via the contact information they provided in court papers, requesting more information on the debt, contract terms, possible resolutions, etc. and they will not return my messages. They continue to send letters in an attempt to collect, offering to reduce my alleged debt by varying percentages - from 10 % to as much as 60 % in the time since they have sued. They provide a portal on their website to request a hardship agreement, which I have also submitted, due to the fact that I have been unemployed for a year due to covid, have XXXX assets to even satisfy a judgement if I wanted to, etc. I have requested the opportunity to resolve outside of court, etc. and they will not communicate back to me. It seems they falsely claim to want to work out arrangements, provide hardship assistance, etc. but they do not actually follow through on those offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX account # XXXX thats reporting on my credit report has inaccuracies that makes this report invalid!!! in XXXX date opened XXXX while in Experian says XX/XX/2021 date last active all 3 bureau has three different dates!! PLEASE DELETE THIS INVALID DEROGATORY REPORT THAT'S HURTING MY CREDIT SCORE IMMEDIATELY!!
Product: Debt collection

Hi I am Im making this complaint against I.C. SYSTEM, INC for identity theft. I have never given I.C. SYSTEM, INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

The credit reporting agencies were notified this account is result of identity theft.
Product: Debt collection

XXXX and has falsely reported an inaccurate claim and or amount on my credit report. I disputed the entire amount that was sent to collections within 30 days by my previous apartment complex. I did this with recipients and all evidence that I was never in violation of my lease agreement. I was unfairly targeted and discriminated against and issued a 7 day notice to vacate. I complied with their request and paid all current rent. My account was still sent to collection and i was charged an early termination fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tonight, my daughter called XXXX for a car loan with me as the co-signer. I have my credit frozen and didn't get word that this was being checked while I was at work. Experian called the incorrect number to reach me and called XXXX back and told them that they could not reach me to unfreeze the report so the whole application was chucked, and, must, 2 hours later, be redone and submitted. The thing that angers me the most is that Experian 's phone and " contact us '' is specially designed to avoid ALL contact or to hear from people on anything about which they do not wish to communicate. The automated phone system allowed two options. If your concern did not fit this, the call was disconnected. The email system is the same. There was NO means of contact for my issues. If you are not a " member '' ( why do I NEED to be a member of a credit monitoring bureau? ) there is no way to ask why I was not contacted on my cell or to express my frustration with their customer service experience. Given the extraordinarily important business in which Experian is engaged, and how much control they have over people 's lives, they need to be required to engage with those who's personal business and financial matters they control. There is a naturally adversarial posture here since consumers do not do business with them or purchase services from them. They don't " need me. '' Where is the protection in " consumer protection ''?
Product: Checking or savings account

I went through an emailed promotion to open a checking and savings account and completed all of the required activities for the promotion that was a total bonus of {$900.00}. I waited well past the 90 days for the bonuses to hit my accounts. When that time passed with no bonus $ in either account I reached out to Chase and have gotten nowhere with them. I have been back and forth secure messaging them but no information other than the promotion wasn't attached to the accounts. I sent them a screenshot that showed the coupon would automatically apply if the accounts were opened through the email, which they were. I explained the timeline of events matched up completely with the promotion so why would I have done all of those exact specified activities without receiving the promotion. Please help me as I explained that every day I'm losing $ bc the interest rate is only 0.1 %.
Product: Checking or savings account

On XX/XX/year> my son and his friends stole my debit cards and deposited XXXX $ and another XXXX $ on XXXX  XXXX  and on XX/XX/year> spent XXXX $ at XXXX and another deposit of XXXX $