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

A landlord fraudulently billed me for charges I did not owe. I sent all details and evidence to Experian and they did nothing. The landlord has never given any evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX DOB XXXX SS XXXX I have a ton of addresses that are not mine and are not correct. 
XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am also beginning the process to file a civil suit because I have sent letters and certified them to experian about the inquiry about seven months ago by XXXX  XXXX XXXX. I never authorized the inquiry. 
I have been refused any and all supporting documentation so that I can find the cause of the inquiry. 
I have been refused the IP address of the computer used. 
I have been refused a copy of the application
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Equifax web site the believe that my information was compromised as part of the recent Equifax Security breach. 

It took me XXXX days to log into their system and find out if my information was compromised, and simultaneously to put a freeze on my report. I have had to pay the other credit reporting agencies to freeze my account.
Product: Checking or savings account

Truist Bank has allowed criminals to open an account under my name in XXXX different instances. In the first instance the account ( XXXX ) will not be closed by them. Every month they send me a bill and late notice. The second account ( XXXX ) has been sent to their collections department. Although Truist acknowledges that fraud was committed they have done nothing to protect their victim. I have been fighting this since XXXX of XXXX  and we are now in XX/XX/2021. The collections letter states that I owe {$74.00} and they are willing to settle with me for {$55.00}. I've uploaded a copy of this letter for recording purposes.
Product: Debt collection

We reported to Experian and through CFPB that a collection notation on my credit report is incorrect. We have been in dispute for over 22 months with XXXX and there numerous consumer fraud by XXXX as they could not provide service or fix it. We provided proof of those over XXXX pages through CFPB and several pages through Experian ) and they always ignore that and say collection stays. The previous time we called Experian and said ( 1 ) Experians answer that account closed on Vendors request is incorrect, ( 2 ) We have given irrefutable proof but Experian is using XXXX confirms ( whatever it means in light of the proof I submitted ), ( XXXX ) XXXX submitted to a collection agency XXXX XXXX who independently dismissed we owe XXXX any money, ( 4 ) The last time I in addition pointed out ( as well as gave portion of documents provided through CFPB, on their request when I called and asked Experian why are they doing this incorrect thing ) that the statement account closed on Vendors request is incorrect, and ( 5 ) Now there is an additional abetting of fraud by Experian in addition to the previous points by removing my consumer statement about the dispute on the credit report.
Product: Credit card

My debit card was compromised, I believe as part of a card skimming scam, and a {$160.00} charge was made at an XXXX car rental facility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax and XXXX   about the public record that is reporting on my credit file. This is also my second FTC complaint and I would like this issue resolved. XXXX XXXX, which is the 3rd party consumer company that reports this information to the bureaus has updated my file to show a correction. There is no Bankruptcy that I have reporting anywhere, I want this removed, it is illegal. It is inaccurate and is hurting my chances to obtain credit.
Product: Credit reporting or other personal consumer reports

I requested validation from XXXX, XXXX XXXX TransUnion that my mortgage payment was late for the month of XXXX as well as the day they claim it was reported. None of the XXXX bureaus provided me with proof of a late payment nor did they provide me with the actual date the derogatory was published. Instead they sent me a copy of my credit report to review.
Product: Credit reporting or other personal consumer reports

I want this wrong personal information from my credit report gone within this week.
Product: Credit card or prepaid card

I used to have XXXX XXXX Credit Card from Wells Fargo, which was closed in winter XXXX. That card had certain benefits, such as Cellular Telephone Protection, Retail Protection, Extended Warranty, Worldwide Travel Inconvenience Insurance : For Lost or Damaged Baggage, etc. Those benefits were supposed to be covered by XXXX XXXX XXXX, a member insurer of the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. When I filed a claim for my losses, XXXX XXXX XXXX denied it with false reasons. I filed an appeal, and it was not even responded to. So, the guide of benefits specified that all disputes were supposed to be arbitrated by XXXX XXXX XXXX ( XXXX XXXX. When I filed my request for arbitration with XXXX and served with my XXXX XXXX XXXX XXXX and its representative, XXXXXXXX XXXX XXXX, they refused to participate in arbitration, and XXXX administratively closed my Case Number : XXXX. The XXXX 's decision clearly stated that Wells Fargo was supposed to remove XXXX XXXX XXXX as its underwriter from its guide of benefits. However, Wells Fargo refused to obey that decision and it didn't remove XXXX XXXX XXXX from its guide of benefits. When I filed my complaint with CFPB XXXX, Wells Fargo responded that my card was closed in XXXX, therefore I lost all benefits in XXXX. Well, first of all, even if my card was closed in XXXX, any claim I filed prior to that was supposed to be properly responded and arbitrated within allowed time period. Second, my card was still open in XXXX, and it was closed in XXXX ; however, I filed my claim with XXXX XXXX XXXX prior to my card was closed, that was why XXXX XXXX XXXX was supposed to review my claim and respond to my appeal, which it didn't do. Besides that, all disputes related to the claims filed prior to the card closure were supposed to be arbitrated with XXXX, which XXXX XXXX XXXX refused to do as well. So, I request another time to remove XXXX XXXX XXXX from Wells Fargo XXXX XXXX XXXX XXXX XXXX decision clearly stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND this account is a corporate LLC account I am the member agent for signing this information is been reported erroneously and needs to be deleted this may cause a repairable damage and needs to be deleted before were on the 30th day upon investigation
Product: Prepaid card

I recieved an American Express gift card as a wedding present and have been completely unable to use it for XXXX years. Every online transaction is declined despite confirmation from Amex that the card has {$490.00} on balance. I jumped through a XXXX hoops and robocalls to finally get connected to the gift card team and they told me, in as many words, that the card is basically useless and I should just use it for random purchases to see where it's accepted. They told me that the reason for limited use is due to Amex 's " security procedures '' and therefore NOT the result of the merchant declining the payment option. This is entirely on Amex 's end. The resulting situation means the card is not remotely as advertised, and not only very hard to use but also lacking transparency in which marketplaces will even accept my card. I have spent upwards on XXXX hours trying to resolve this issue and have yet to make a successful purchase.
Product: Credit reporting or other personal consumer reports

Hello please remove this fraud and delete this fraud from my credit report because this was open due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts XX/XX/XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested information from the Mortgage Firm, who I currently have my Mortgage with. All I asked was if now would be a good time to refinance. Before I received a response email I had a hard inquiry show up on my credit report. They never asked if they could pull our reports but instead ran them because they already had our information on file from the current mortgage. They ran a report on both me and my boyfriend who is also on the current loan. I complained and they didn't seem the be too concerned about it but rather tried to justify it by saying they had to pull it to give us an accurate rate. All I wanted to know was if now would be a good time based on the market. This gives the illusion that they are trying to run someone's credit to get them roped into working with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inquiries on my credit report that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

It's from over XXXX to XXXX  years ago from a cell phone bill that's its my ex wife 's not mine It's on my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters certified receipt and asked Lexus Nexus their method of verification of a bankruptcy they list under my name in which they have not responded to within 15 days, they have not responded at all.
Product: Checking or savings account

I recently opened an account with Chase bank in XXXX because I moved to Georgia and my current bank XXXX XXXX  does not have locations at which I can deposit checks. I deposited XXXX checks through the Mobile banking app on XX/XX/XXXX The first was my GA state tax refund check, the second check was my escrow refund check from my mortgage company XXXX XXXX. The third check was dividend check from XXXX. They put the checks on hold for 8 days. They made the funds available on the XXXX of XXXX but then 2 days later debited all of my money. When I called chase on XX/XX/XXXX I was not notified that my account was flagged. I noticed my money was debited on XX/XX/XXXX So I called chase customer service line but they would not speak to me. I was told I had to call a special department, Which I tried for several days I was on hold for hours the call back service option wasnt working I was thrown back into the queue waiting almost 2 hours. Finally able to reach the dept on the XX/XX/XXXX at XXXX and spoke to a representative who informed me they couldnt validate the checks. Which didnt make any sense as they placed the extended hold on my checks. After being on hold for several minutes as the rep said he would need to contact the maker of the check to ensure the funds were payable to me. They flagged the checks as fraud and closed my account. The representative then stated he would call to verify the checks so while on hold the call dropped no one attempted to return my call. I called back again spoke to a different representative who was not helpful he stated the checks cleared however they wanted to verify with the maker of the checks to verify it was issued to me. They refused to do anything further but wanted me to provide them with contact information for the checks. Why do I have to provide burden of proof for checks that cleared just to satisfy their suspicions of fraud. I feel I have been discriminated against as the checks were legally issued to me by reputable sources. My name, address information on the checks all matched the account information. They have no reasonable explanation for their actions. The supervisor I spoke with was not helpful and offered no solution other than to tell me their policy with no end date as to when my money will be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX. 

15 USC 1681 section 602 A States the rights to privacy.

15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 USC 15 usc 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out.
Product: Debt collection

I was told by a representative at Credit Collection Services that if I pay the money owed for my account, they would delete the accounts completely from my credit report in 30 days. I paid the company in full for the account in certified funds on XX/XX/2024 and the account still appears on my credit report. This company made an agreement with me that they would delete the accounts from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XX/XX/2022.
Product: Prepaid card

Purchased 5 Vanilla gift cards in XXXX of 2023. Went to use 2 of them, one for {$100.00} and another for {$200.00}. Both cards had a XXXX balance, and using their company website found they had been hacked and used at a XXXX in California. Attempted to go thru their non US based customer service on 4 different occasions and told that I would be contacted by someone and replacement cards were on there way. Have yet to receive any cards.
Product: Debt collection

Today, XXXX XXXX, 2016, I received a letter from ARA, Inc. stating that I owed them {$23000.00} for a debt that I did not incur. I called them immediately and was asked by their representative, XXXX XXXX XXXX, if my social security number was XXXX. I stopped him after the third number and told him it was not me. He then proceeded to tell me, " according to the Federal Social Security Database, that I am related to him. '' He then proceeded to tell me MY social security number and maintained that IF it was truly my s.s. number, that I had to be related to the other person with a name that happens to be identical to mine. I have a seven-year fraud alert on my credit report and he acknowledged that he saw that when trying to find his debtor. My question is : how is it possible that he gets my social security number when I have done nothing wrong and is able to threaten me with a bogus letter? Further, how can he lie about a Federal Social Security Database that tells him that his debtor is related to me?
Product: Credit card or prepaid card

On XX/XX/22 I paid {$5000.00} via American Express and entered into a contract with XXXX XXXX of XXXX XXXX XXXX XXXX for BUSINESS COACHING services ( valued at the specified amounts below from her XXXX  website ) to begin the week of XX/XX/XXXX. 
On XX/XX/22, merchant cancelled the contract via email because of a comment I made on her XXXX post. The comment does NOT constitute a material breach of contract in the state of New York, and therefore XXXX XXXX has failed to fulfill her contractual obligation. The merchant does NOT RESPOND TO ANY EMAILS OR PHONE CALLS. 
The merchant has offered a {$400.00} refund for the outstanding services she failed to deliver. This does not represent the FULL value owed, therefore I filed a dispute with American express. They have closed the dispute TWICE ( on XX/XX/22 and XX/XX/22 ) without offering an explanation or opportunity for me to refute the merchants counterclaim. 
I have not received ANY of the contracted services outlined below : 3 of the 6 weekly Strategy Calls ( valued at {$490.00} per session ) Curated Content planning NOT received ( valued at {$990.00} ) Custom Content Calendar ( valued at {$290.00} ) XXXX XXXX XXXX templates ( valued at {$690.00} ) I am seeking a refund in the amount of {$3400.00} for the services XXXX XXXX failed to deliver according to our contractual agreement.
Product: Student loan

Ever since I graduated and went into repayment they have been extremely difficult to work with about paying my loans. I owe an outrageous amount of money and therefore they want me to pay an outrageous amount each month. I ca n't afford the payments they want me to pay. I 've applied for XXXX every year and request to lower my monthly payment but they are extremely difficult to work with and do n't seem to really care about my financial situation. I literally have to go without groceries just to pay this bill because I do n't want to default on my loan and have that reported on my credit report.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX  XXXX XXXX : {$830.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX CA XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my report that are not mine. I have disputed this information with the companys and the credit bureau and the information still remains. I would like it removed immediately.