23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

DISCOVER CARD ADDED TO MY CREDIT PROFILE WITHOUT MY AUTHORIZATION, A BANKRUPRTY REPORTING TO MY REPORTXXXX XXXX XXXX  CARD THATS NOT AUTHORIZED TO BE ON MY PROFILE. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are  required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Product: Debt collection

After reviewing my credit report, I identified accounts that were added without my consent. Please remove these fraudulent entries immediately.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am a victim of identity theft and human trafficking.

I write to dispute certain information in my file resulting from the crime. Just so you know the items I am disputing do not relate to any transactions that I have made or authorized. Please make Equifax comply with the Fair Credit Reporting Act and remove these fraudulent accounts from my Credit file. 
XXXX fraudulent accounts are showing up on my Credit Report, these accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX 
XXXX fraudulent account 's XXXX XXXX XXXX  XXXX ) opening date is XX/XX/XXXX ( When I had not even stepped foot in the United States, had no Identity, and no Social Security Number ). I arrived in the United States as a XXXX in XX/XX/XXXX. It was physically and scientifically impossible for me to open that account. You can see that my Social Security XXXX was issued after the opening date of this fraudulent XXXX XXXX XXXX account. 
I entered the Country for the first time back in XX/XX/XXXX and before that, I was trafficked and smuggled out of XXXX because of Political Problems and into XXXX until I finally came to the United States. A lot of people had access to my Passport/Identity documents along the way, which put me at extreme risk of Identity theft and for my sensitive documents to be compromised. 
The above XXXX items are inaccurate because they do not belong to me, are fraudulent, unauthorized by me, and are a direct result of criminal Identity theft. 
I have only ever opened and authorized XXXX XXXX XXXX in my lifetime, they are both from XXXX XXXXXXXX opened in XXXX, and those plus XXXX auto loans are the entirety of my CORRECT and AUTHORIZED Credit History. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, to section 605B of the Fair Credit Reporting Act and section 605C of the Fair Credit Reporting Act ; I am requesting that the Four fraudulent items be fully removed. 
Attached are Proof of my Identity and address, copies of the Police report, an Identity theft report supporting my position, first issued Social Security number demonstrating that the fraudulent XXXX XXXX XXXXXXXX account was opened before even I arrived in the country and had a Social Security number. Also attached is my Asylum XXXX by the Department XXXX XXXX XXXX 10 years ago proving that I was an Asylee/Refugee and victim of trafficking. 
Please have Equifax comply with section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act and delete the disputed items as early as possible.

It seems unfair that the only way for me to get these off my Credit report is to file a lawsuit against Equifax. 
I hope that the Consumer Financial Protection Bureau can end this never-ending nightmare for me. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian closes another complaint without fixing anything or doing anything
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : DEPTEDXXXX XXXX XXXX, XXXX - XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, "
Product: Money transfer, virtual currency, or money service

Filed a complaint regarding the deceptive tactics and misleading sales by a business using their platform to push sales ( XXXX ). Once the Bait and Switch ( Fee switched from a one time payment of {$490.00} to a monthly payment of {$490.00} without written permission ) was detected along with the detailed harassment the ensued, I requested an immediate refund per the Paypal process. They extended the deadline and denied the claim. My bank is also investigating this issue. The following is the detailed complaint along withe a copy of the submission. 

-High Pressure Sales Marketing Tactics and misleading price claims that failed to disclose the up-sell necessary for success in their membership. The neglect to provide the sufficient information to properly make an investment decision was accompanied by false oral and written claims that violate their terms of service. 
-Bait-n-Switch techniques and failure to perform promised services -for membership as stated was a one-time fee of {$490.00} to obtain membership -in order to access the XXXX database of members. And obtain Speaking engagements ( which I stated as a major reason for joining ). However, once I signed up, further emails expressed there were more obligations to obtain the lists and speak : ( 1 ) Completion a separate XXXX training or other up-sell as high at $ XXXX ( 2 ) Attend {$20.00} per week membership meetings for a drip list of attendees ( 3 ) Pay additional speakers fee of up to {$150.00}. 
-Marketing to my Mailing listing with harassing phone calls, text messages, and spamming emails when their offer was declined. Contacted by my contacts once these pressure tactics occurred. 

Terms of Service not as describe : XXXX : XXXX Paypal ignored all of these tactics which are a violation of truth in advertising rules in Section 5 of the Federal Trade Commission Act.
Product: Mortgage

I'm in the middle of refinancing the Mortgage. The new lender looked up the title on the home and said that there's a property tax payment due in the next few weeks on the Title and they want to see a proof of payment.

The current mortgage company ( Nationstar Mortgage LLC, d/b/a Mr. Cooper ) claims that they can not make an early payment and they plan on making the tax payment two weeks prior to the due date, which could fall under the 30-day rate lock period.

I've requested them to at least confirm in writing that they can't make an early payment but they refused to do so over the phone and asked me to send an email to their Research team. But I have limited time before which the rate lock expires and they are refusing to issue me a quick letter confirming their policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX Card was the same request to resolve and issue showing on my credit report that I did NOT authorize I called on XX/XX/2021, to inquire why they were on my credit report as a hard inquiry, they sent me a letter. When I got the letter to see why I was not approved for their card when they did a SOFT inquiry THAT I DID NOT APPLY FOR. That is when they checked the file on XX/XX/2021 to see what was happening. This apparently resulted in another HARD inquiry just for finding out what was happening. Neither inquiry was authorized. I will agree, I do not understand how most of these credit card companies work. Please help me and remove these hard inquiries off my credit report. This was not fair and not authorized to place a hard inquiry on my credit report. Please help me and delete both inquiries. I have filed numerous disputes, State of TN Affidavit 's and FTC complaint regarding these two inquiries to be removed from my credit report, that I did NOT authorize. I also did not authorize " XXXX ''. Please remove them all.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice an account that wasnt mine. The consumer reporting agencies need to report all information with complete accuracy. Ive attached a copy of my report to this complaint. Im now requesting you to REMOVED this entire account immediately from my credit report. Thanks you for your understanding and taking time out of your day to hear me out.
Product: Checking or savings account

- XX/XX/2022 : Opened tiered bonus checking account under invitation # XXXX. 
Deposited required funds within 20 days of opening account {$300000.00} ( see attached ) - XX/XX/2022 : Received email confirmation of enrollment into Bonus program. ( see attached ) XX/XX/2022 : Balance on XXXX day {$300000.00} Maintained the required Minimum balance of {$300000.00} for the required 60 days. 
As per the program rules ( see attached ) the cash bonus of {$2000.00} should be paid within 30 days of completing all the activities. ( see attached statements ) - XX/XX/2022 : Filed a case # XXXX to determine when bonus would be paid on funds deposited. Was told by customer service representative that the bonus would be paid and reflected by XX/XX/2022 and the case should be answered within 5 business days. 

- XX/XX/2022 : Called and spoke to a customer service representative on the new accounts team by name of XXXX that advised XX/XX/2022 was actual date bonus would be paid and reflected in our account. XXXX indicated she would call us on the XXXX to confirm funds were in account and accurately reflected which she never occurred. 

- XX/XX/2022 : Checked account and funds still not reflected and never received follow up call form XXXX as committed. 

- XX/XX/2022 : Called new accounts team again and asked to speak to manager was connected to XXXX employee ID # XXXX who indicated this issue was sitting with the promotions team for review and investigation but there was nothing more he could do. Advised XXXX all terms and obligations required by the terms of the program have been met which he confirmed but he couldn't explain why this was not paid. Advised him was told I would receive follow up 5 business days from point case was filed which was on XX/XX/XXXX and to date we have not received one phone call or email correspondence. XXXX indicated there was no other management this could be escalated to and that I would simply have to wait for the promotions team to contact me. I advised XXXX there were no delays or obstacles when I opened account and made deposit but now Citi has to deliver on their promotion and financial commitment there are all kinds of delays and stall tactics. Advised XXXX I would be filing complaint with CFPB and he indicated he would encourage it. Also, noted that when I called automated system when selecting option for new accounts you immediately get connected to customer service rep in US within 3 minutes or less but when calling and selecting option for dispute wait time is elevated to XXXX minutes and your call is routed to an offshore call center where those individuals don't have access to details of promotion program. XXXX offered no response on this point and indicated I would need to wait for call or email from promotions team.
Product: Credit reporting or other personal consumer reports

Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, CA XXXX Complaint Against : TransUnion XXXX XXXX Subject : Incorrect reporting of names and addresses on my credit report, and XXXX not reporting any information at all.

Details of the Complaint : I am writing to formally file a complaint against the credit reporting agencies TransUnion, XXXX, and XXXX for providing incorrect and incomplete information on my credit report. 

1. Incorrect Names and Addresses : Both TransUnion and XXXX are reporting incorrect names and addresses on my credit report. These inaccuracies are causing confusion, which may negatively impact my credit score and financial opportunities.

2. XXXX Failure to Report : XXXX is not reporting any of my credit information. This failure to report is causing significant damage to my credit profile, as it appears incomplete or non-existent. The lack of information from XXXX is hindering my ability to apply for credit, secure loans, and pursue financial goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card through XXXX XXXX in XX/XX/2022 and was approved and used that approval to purchase shoes for my daughter. Since then I have never received a statement or my credit card from the company. They now have my account listed as delinquent on my credit report but show that I made my first two payments on time with no change to the amount owed. I'm not denying that the account is mine, however, I am staying that my account can not be delinquent after making 2 payments on time when I have never made a payment because the company has never sent me a statement. My credit card isn't even activated because I have never received one. I want my account updated to current and all late fees removed due to it being the company 's fault that I have not paid on the account. Once they send me my card and my statement I will pay the balance without late fees in full.
Product: Credit card

I applied for a business account credit card. I received a letter and email communication that I needed to provide certain documents. I explained to the representative that I have moved and the information has my po box and old physical address on it. I also explained to him that I tried to enter my previous business address but the system would not validate it to proceed. I expressed my frustration about this impacting my credit and explained that I am a Counselor and I do virtual counseling for my business. I talked to a supervisor and he communicated that they can not remove the inquiry and they treated me as if I were lying.
Product: Prepaid card

I made a purchase of an electric dryer from XXXX XXXX on XXXX/XXXX/XXXX  and paid {$660.00} using my PayPal account., the order number is XXXX. The order includes, cable, 30 ft hose and haul away the old dryer. 
XXXX XXXX came to my house on XX/XX/XXXX  to deliver the new dryer. However, XXXX XXXX did not provide all the supplies required and paid for the installation. 
They left the dryer uninstalled and left. I called them on the XXXX of XXXX, and they were supposed to call me back. No one called me. Then I sent them an email asking them to take the dryer back. NO Response. I have attached a copy of that email here. 

I then hired another contract and bought the missing parts and installed the dryer, The missing parts that I paid to XXXX XXXX costs {$30.00} and spent additional {$100.00} to complete the installation. 

Since XXXX  XXXX did not respond, I file a dispute with PayPal. I submitted all the information abut PayPal asked me to submit more information, which is basically, same information that I have already submitted. Yet, I resubmitted all the information and proof. 

After waiting for a month, PayPal sent me a generic email that my dispute is closed since the item was changed and they can not determine what happen. 

So, do these people at PayPal expect me to watch the uninstalled dry for over a month? I doubt Pay Pal did any investigation as they have not shared any outcome or vendors response with me. This makes me believe that PayPal is in improper business practice. PayPal misleads consumers and provides false information. 

I want PayPal to refund the {$30.00} for the parts that their client XXXX XXXX failed to deliver and an additional {$100.00} that I paid to the 2nd contractor. 

I also want PayPal to completely close my account that I was not allowed to do.
Product: Debt collection

I received a letter from Resurgent capital services stating that I owe them {$910.00}. I disputed this with them twice. I don't have a account with them. I as the consumer deserve a proper investigation.
Product: Debt collection

THIS COMPANY ( WAKEFIELD AND ASSOCIATES ), KEEPS FLAGGING MY ACCOUNT FOR A MEDICAL BILL THAT I DIDNT AND NOR I DONT HAVE ANY ACKNOWLEDGMENT OF..I SPOKE TO AN REPRESENTATIVE FROM THE CREDIT BUREAUS AND THEY TOLD ME TO FILED A POLICE REPORT TO REPORT THE FRAUD. I ALSO STATED TO THEM THAT I WAS A VICTIM OF IDENTITY FRAUD BACK IN 2011, FOR SOMETHING I DIDNT DO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX XXXX. 

I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint regarding unreasonable and excessive fees charged by Sezzle. On [ specific date ( s ) ], I was charged fees that I believe are unfair and disproportionate, such as [ example : " a {$10.00} or more for None late payment, just because the payment didnt go from the autopay and {$50.00} installment payment because of failed autopay go up to {$80.00} in same, there was no past due payment. And {$15.00} late fee for XXXX dollars pay later loan These fees have caused a significant financial burden. 
I contacted Sezzle to request a refund of these fees, but they refused to address my concerns. I believe these charges violate principles of fairness and transparency and are not adequately justified by the terms of service. 


I am requesting the following resolutions : XXXX. A full refund of all unreasonable fees charged to my account, totaling $ [ XXXX to XXXX ]. 
XXXX. A review of Sezzle 's fee structure to ensure it complies with & sumer protection
Product: Credit reporting, credit repair services, or other personal consumer reports

No I'm gon na need all of the non beneficial and negative Mark 's on my credit report to be taken down immediately because because they are violating my right under USC 15 1681 B. I have a right to privacy and I didn't consent to these nor did I say it was okay to put out my inquiries they also need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I entered into an agreement with XXXX XXXX XXXX for cell phone service. Subsequently, I was billed twice for that period, once under the old agreement and once under the new one. The company also never honored the new contract and kept charging me per the old contract which was a lot more money per month (XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX ). Additionally, we traded in two older XXXX and purchased two more that were offered as part of the new contract at a {$500.00} savings per phone. Those discounts were never applied as well. I spent many hours on the phone on multiple occasions trying to get this issue resolved, but after four months of not making progress and getting over charged, I was forced to switch cell phone providers. XXXX XXXX XXXX created this entire issue, they acted outside of the contract that they entered into with me, and chose to not fix the issue, though offered multiple chances. I do not owe them this money, and in fact they overcharged me and owe me compensation, for the hours that I spent on the phone with them. Although I have provided XXXX  documented proof that this is not a debt that I owe, they are refusing to erase the negative credit report from Sunrise Credit Service, Account # XXXX, opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report, underage with XXXX XXXX, XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017  Data Breach.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.