23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/year> {$800.00} XX/XX/year> {$500.00} Ive been getting a lot of fraud on my debit card with Wells Fargo. For various amounts for the last month, my bank was declining all charges until I called them yesterday so I can use it and I woke up today with these charges. Previously when I have reported fraud with Wells Fargo, they have never gotten back to me about an update on fraudulent charges.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Can you verify the paperwork? Certain entries are misreported concerning their details, such as inaccurate amounts and dates.
Product: Credit reporting or other personal consumer reports

Today, I discovered unauthorized inquiries on my credit report, which I can't explain. When I checked my report as usual, I found discrepancies that appeared out of nowhere. I refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries persisted. Therefore, I am asking for a thorough review of the documents I submitted to ensure this doesn't happen again.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft ( credit application made in my name via XXXX XXXX ). 

I am trying to urgently freeze my credit with Experian, however they are not allowing me to do so. 

Their website won't let me sign up ( " Oops, we're sorry! '' error, redirects me to phone support ). Their customer support phone number will not let me reach a human, and instead redirects me to the non-functional website -- even during staffed business hours. There is no option in the phone tree that will allow me to reach a human. 

As custodians of my personal data, this is absolutely unacceptable behavior from Experian, and the experience is designed to make me go away without solving my problem.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, XXXX and Equifax on more than one occasion explaining that the following accounts are not mine. The following accounts listed on the credit report are inaccurate and do not belong to me. I have explained on a number of occasions that I have never opened a credit card with XXXX XXXX or XXXX. I have explained via email and a letter and they are still listed on my credit report. XXXX has yet to address these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finance a car through XXXX XXXX XXXX since 2016 ). A few months ago, it came to my attention that they had reported several late payments to the XXXX XXXX XXXX, which I believe are in error. I have contacted XXXX XXXX, as well as the CRAs several times to no avail. This erroneous reporting has had a severe negative impact on me, as I have been recently denied credit, including a mortgage. I have proof of payments that were made for the months in question, as well as extension agreements where XXXX XXXX agreed to allow me to skip monthly payments. XXXX XXXX and the CRAs are violating the Fair Credit Reporting Act that states only true and accurate information can be reported, or else MUST be removed. At the very least, there is proof that XXXX XXXX has not reported my payments accurately. They have reported me as 30, 60, even 90 days past due inaccurately! I have made several requests to them to fix their error, even attempting to email the CEO personally. I'd like the inaccuracies removed immediately. The inaccurate information violates both the FCRA and the extension agreement granted to me.
Product: Credit card or prepaid card

Bestbuy routinely locks me out of the payment portal, ran by " Citibank '' now. I have to contact tech support at least every other month in order pay or log in to check on autopay amounts. Its suspicious. Now, I receive XXXX phone calls EVERY day regarding a single late thirty dollar payment. I have attempted to block the number and still receive the harassive calls.
Product: Debt collection

As of XX/XX/year> I was getting XXXX XXXX  done at XXXX XXXX in XXXX ca, They pressured me to get a XXXX and to finance the XXXX through sunbit, while starting to make my payments I never received a XXXX I never received a called saying that Ill be receiving XXXX, I just kept getting pushed back months after months past by, I called sun it to cancel because I cant pay for someone never even received they told me that there was nothing they can do and to call XXXX The XXXX  I tried to complain to XXXX XXXX and nothing was done. So now Im in debt for something I never received
Product: Debt collection

Account Closed on credit report of Jared The Jewelers. Acccount reporting negative information on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I I'm being charged 19.95 % APR on my XXXX that I use mainly to take my XXXX XXXX  to therapy and be able to fit all my others kids as well. I wasn't aware it was that high when I signed the contract. I should've been more persistent in asking questions but I was being pushed and almost harassed to take the loan. I can't even refinance the loan bc after almost a yr, I still haven't touched the principal balance making XXXX XXXX/month payments. They are also harassing my family members every time there is any lapse in my payments. I stopped paying the past couple months and XXXX from the consumer finance protection bureau and she advised me to reach out to Exeter to make them aware i was filing a complaint and to let to let them make it right and change the interest rate. I talked to XXXX on XX/XX/XXXX from the finance company and was told since I signed it there was nothing I could do other than find another loan agency and refinance to get a new interest rate but I'm unable to be approved due to the marks on my credit since they reported the late payments. I was also told it would be deferred until XXXX and that she was submitting a claim on my behalf also but I started receiving calls again the past few days. I talked to XXXX yesterday XX/XX/XXXX and was told the deferment was only 2 months and covered my late payments but only paid part of the interest that accrues daily on top of the illegal rate of 19.95 %. I don't know what to do at this point.
Product: Mortgage

Was set up on auto pay, then they kicked me off auto pay, and didn't realize it for 3 months, they called for 3 months back payment, but would not take th3 payment over the phone, it had to be mailed in, and all future payments would have to be mailed cause I was on probation till XXXX of XXXX... so mailed back payments and every other month there forward all with bank checks... the last 2 months were rejected for to much writing on the the check, numbers like account #, address it's for, name, month it's for. All payments before this was made, but then stopped... so I sent in another one with everything right and put the info on a post it note, they denied it again ... they won't tell me how to pay and will not take payment any other way than thru the mail...
Product: Credit reporting, credit repair services, or other personal consumer reports

Fales personal information on my credit reports. 

Items that have been paid and/or charged off are not being reported to other credit bureaus. 

Have filed for identity theft in 2014.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Accout Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

I was told that I would have a XXXX XXXX interest for the first 6 months of my loan. I have documentation that says I would have XXXX XXXX interest for the first 6 months. I am asking the company to provide the recording of the call where I agreed to the finance terms to try to verify if the company ever informed me of the change in interest rate prior to signing the document. They have refused to offer the call recording that we had where I was told about my interest rate. This very much feels like a predatory bait and switch from this loan company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, US SM BUS ADMIN ODA, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, XXXX, AL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This is reference to a complaint I had already submitted against Equifax. Reference complaint # XXXX. I filed the previous complaint about their practices and how unprofessional they were when I spoke to them on the phone and that I think potentially they have a call center or are working outside the United States. When I spoke with them multiple people from Equifax said I could have forged my documents and they didn't believe my documentation was believable, but I filed the same exact documentation with XXXX and they did their job. I will be attaching documentation of the XXXX report. XXXX investigated and zeroed the balances and it states XXXX balance on both accounts that are mentioned on my previous complaint # XXXX. Remarks from XXXX state " settled for less than full balance ; paid collections ''. Clearly Equifax did no investigation and came back that the lender said they were doing what they were supposed to be doing, and the amounts were correct and the balances were correct? If XXXX did their job and got the correct information that they needed to clear up the discrepancy then why is Equifax saying they investigated this? Now I am even more worried about Equifax being a potentially fraudulent company and that they are in control of every person in the United States including but not limited to my information but the government employees information. They need to be investigated fully and find out if they are working in any capacity outside of the United States. It is too fishy their headquarters phone number is disconnected and no forwarding number, that when you call the XXXX office the receptionist states she is in XXXX but when you are transferred to th call center everyone has broken XXXX, are unprofessional and they will not tell you if they are located in the United States? Why can't they say if they are in the XXXX? Why can't they tell you where they are located? Getting my results from XXXX just made me more suspect of Equifax, because XXXX did their job and know it is illegal to have incorrect information on a credit report but nobody at Equifax cared when I told them it is illegal, and they did not care that I said I was going to be filing a complaint with this office. They could have cared less about any repercussions potentially coming their way. Even the " managers/supervisors '' said I was forging documents which is ludicrous to tell someone when you are a supervisor. Attached you will find my XXXX reports and their findings. 

Also XXXX was contacted on the same date the original complaint XXXX was filed. I phoned multiple times and could not get anyone one the phone, I left a message XX/XX/24 and it is XX/XX/24 and I haven't heard a word from them. I am not sure this is a legitimate company either. They also need to be investigated because they added fraudulent information to my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been a victim of identity theft in the past. I informed Experian that the inquiry from XXXX XXXX, XXXX/XXXX/22 is unauthorized. This inquiry remains on my credit report.
Product: Debt collection

I am writing to formally dispute and request the removal of inaccurate information that is currently present on my credit report with your bureau. I have identified specific issues that require your immediate attention : an inaccurate late payment entry that persists despite being successfully removed by another credit bureau. 
Inaccurate Late Payment : XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I kindly ask that you investigate these discrepancies promptly and take the necessary steps to correct the inaccuracies on my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report, and I trust that your bureau will uphold these standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a hard inquiry was placed on my credit report by XXXX in which I have been with the company for a year already. In no time did I apply for any services with them on XX/XX/2019 because I am a customer already. I have spoken to XXXX and they confirmed that they did not run my credit at all on the day of and would not just run my credit for anything. I feel my social security number was compromised and when I spoken to transunion about this issue they said nothing could be done and that the inquiry would stay on my report for two years. And this is why i am fighting this problem now. If you see anything that you do not recognize please investigate it until it gets resolved.
Product: Checking or savings account

For greater than 25 years I had been a customer of BB & T. Last year, BB & T became Truist. Then the problems with logging on via computer and making mobile deposits. And, Truist, without any fanfare or warning, decided to not offer any senior checking accounts. Nothing. Then. When Truist took over, it became increasingly difficult to sign in ( i.e., user name and passcodes not long worked even though when the changeover occurred, I changed password as instructued ). I regularly make 3 to 4 mobile deposits per month and check my balance via computer. As I mentioned, I'd been a BB & T customer for 25 years using the same computer device for 10+ years and the same phone number for 15+ years. Now, nothing is recognized. Because I was unable to make a mobile deposit yesterday, I had to take 3 busses and travel to a TruisXXXX bank in XXXX XXXX to make a deposit. I do not drive. I am XXXX XXXX XXXX, etc., etc. 
CFPB should " over '' regulate this arrogant and incompetent bank. I'm just a little old lady and even I can use a computer and a phone. Truist is a multi-million/billion dollar entity and one would think they'd get thir IT system on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an alert from XXXX that my XXXX XXXX has a negative change. When I looked into my Experian account I saw that a credit line I had never heard of had been opened in my name and was past due on payments. The creditor is XXXXDignifi , and when I contacted them I was told that I had opened the account in XXXX of 2022 and was past due on payments as of XX/XX/XXXX. I disputed that this was my account and they immediately closed the account to and said they were sending me paperwork about further disputing the fraud ( which has not yet happened ). XXXX also followed up with the company but did not resolve the issue or remove the negative account from my credit report. I also opened a police report with the XXXX XXXX police department on XX/XX/2022 ( report XXXX ). Also, while this dispute with XXXX was ongoing, someone hacked my XXXX account and changed all my personal information : email address, phone number, password, security question, etc. I believe I have resolved this with XXXX but it's clear someone had created a fraudulent account in my name and then tried to hide it from me. If it helps at all, the phone number that was entered in the XXXX system and which is not mine is XXXX.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear XXXX This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Debt collection

Calling me daily as well as my family members, who live in XXXX  and XXXX, they are even calling persons unrelated to me who are affiliates of my family. 
Started XX/XX/2017 Daily my parents, my sisters in XXXX, my brother, my sister in law and mutual friends in common as a family. 

My SSN was compromised in the XXXX Breech. So I trust no one on anything right now. The calls are automated and state a case number XXXX and that legal matters related to my SSN need to be addressed or further legal action will be taken. 

I've tried to research the number and I see some where it's fraud others where it's not. I do not appreciate my elderly parents and siblings being brought into what ever this maybe.
Product: Vehicle loan or lease

Company told us we would have to re-apply for another loan through them to get a lower interest rate. We are currently paying 19 % interest. Florida is considered a COVID-19 Pandemic FEMA State Disaster Declarations and now with a stay home order. They will not help us with out payment of {$470.00} in anyway and are charging late fees to extend the due dates by two weeks.
Product: Credit card

Yesterday I was mislead by an entity known as Affirm Inc that I was approved for a {$700.00} line of credit for use in purchasing goods from XXXX. Turns out I didnt qualify at all and that an unexplained " down payment was required to finance this purchase that exceeds the maximum available amount. I dont know what, if anything, this means nor do I recall anyone saying anything about a down payment or for how much. 
Affirm traffics in false advertising as well as fraud and so does XXXX Bank and XXXX. I was told this inquiry would not affect my credit score. It better not.

My credit score is in the high XXXX ( about XXXX ) so Im unable to figure out what the problem is. The reasons given from other banks and loan companies, like XXXX XXXX and XXXX XXXX is that I have insufficient credit history, too many hard inquiries and too many recent inquires. I think it is about time that the banks and the credit reporting bureaus started to define what a sufficient credit history is ; what is the definition of recent is and why hard inquiries put a black mark on your credit report and decrease your credit score. 

I have long believed that the banks and the credit bureaus conspire to limit the credit pool by freezing out even people with a reasonably high credit score. Who makes the call that a consumers credit cards are too many or too recent. I have exactly XXXX credit cards, XXXX secured and XXXX unsecured with a paltry {$300.00} credit limit. 

These offers are a way of luring consumers to take actions that will harm their credit score. This is conspiracy and the CFPB should sanction and fine these entities.