23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am a federally protected consumer who was discriminated and discouraged against by Discover and they are now in violation of the Equal Credit Opportunity Act as per federal law I can't be denied my right to extend credit. I will be reporting this matter to the XXXX. Discover discriminated against me on the lines of a consumer report that they had obtained from a consumer reporting agency a consumer report that I never gave consent to not authorized which is identity theft but also for taking such adverse action on the grounds of that consumer report obtained they are also in violation of XXXX XXXX XXXX that stated an adverse action does not include and can not include and be on the grounds of information obtained in a consumer report
Product: Debt collection

I have a company calling/ texting from XXXX and XXXX ref # XXXX daily regarding a person by the name of XXXX XXXX XXXX . They contact me daily and when I express I am not they intended person, I'm met with threats and hostility. Also they stated the name of the company is Southern Credit Recovery however that is not the case, and is confirmed this may be a scam, company impersonating another company.
Product: Money transfer, virtual currency, or money service

Feeling a settlement on well fargo thay took money in close my account for no reason between XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with the credit bureaus about an account reporting on my credit report. It is for CITI Bank Credit Cards. I PAID FOR A DELETION and they are still reflecting on all 3 reports. They have it displayed as a Chargeoff/Collection/Settled for less than owed and that is not fair because I paid them to delete it off my credit reports entirely. They are reporting unfairly and incorrectly and it is an error they are reporting at all. I also want to submit a complaint against XXXX XXXX because they are reporting a late payment for 5 years ago in XX/XX/XXXX and they will not give me proof to verify this and do not respond to my written communication. Lastly, my last complaint I would like to submit is against XXXX  because XXXX is reporting 2 " XXXX  XXXX XXXX '' inquiries in XX/XX/XXXX without my permission! XXXX  won't provide me with any information regarding these inquiries and I would like to report them.
Product: Checking or savings account

on or about XX/XX/2021, {$280.00} was deducted from my checking account without authorization. I immediately contacted my bank at Direct Express Services with Comerica Bank where I receive my federal benefits. Since the initial contact with the provider they have not corrected this issue and refunded my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed a hard inquiry on my credit report by Bank of America that was not from my activity. I immediately contacted XXXX, through whom, contacted Bank of America. They were not able to locate the account since looking up my name and social didn't not bring up any record. On XX/XX/XXXX, I noticed that a new account was open on XX/XX/XXXX by Bank of America, again, not from my activity. I once again contacted XXXX and filed a dispute. I also talked to Bank of America, where they compared my information with the information of the account on file and told me that it was a different person ( the person has a similar but different name, different phone number, however, I lived on the same street that they are living right now, they also opened the account without a social security number and used a passport, it was not my passport information, they used their XXXX ID as well, where I was also a student and had an ID but Bank of America compared the information and told me that it wasn't the same ) and I'd have to dispute with XXXX. So now I know it wasn't identity theft and a mistake on the credit bureau. However, I received the dispute result and it says that Bank of America confirmed that the information was accurate. In addition, they added this person 's address to my report ( it is a dorm building i once lived in but I didn't live in the same room, now they added this one to my report as well ) as well as changed my birth year on my credit report to match this person 's. I tried to update the dispute by adding more documents but was not able to. I am not even able to open a dispute to change the year of birth or remove the street address.
Product: Credit reporting or other personal consumer reports

I asked for my credit report to have accurate information about my bankruptcy chapter XXXX to be removed due to the XXXX now XXXX timeframe, nothing happened, and for my name to be correctly spelled out. I request that several addresses I have never lived at be verified and removed, they are on my report today XXXX.
Product: Credit reporting or other personal consumer reports

Wife passed in XX/XX/2019. At that time, when I submitted credit applications, I was listed as dead. I finally got it straightened out, or so I though. I keep seeing my length of credit 3 years and months old with my oldest account being XXXXXXXX XXXX XXXX. I am almost XXXX XXXX XXXX and have had credit since I was XXXX. Would like all three credit bureaus review my records and correct so that I might just have a better credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX I started the process of getting a home loan with a home loan lender to buy a house and my credit score was XXXX then over the course of a couple weeks and a couple credit inquiries my score dropped to XXXX  then on another inquery XXXX im curious why my credit score keeps changing and why despite no negative impacts other than the inqueries did my score drop to a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 items 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS AND INQUIRIES. BLOCK AND REMOVE IT.
Product: Credit card

my APR its way too high, i want to pay the balance which its in my best interest and theirs. but they refuse to lower my APR.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXmy son opened up a XXXX XXXX credit card. Several years later he put me on the account as a signer. ( during those years Best Buy sold those accounts to three different banks ) My son attempted to take me off the account as a signer in late XX/XX/XXXXand was advised that this account was now a joint account and I could not be taken off. He wrote to XXXX XXXX and adived them that this joint account status was incorrect and asked for them to supply proof that both my son and I signed the application when the account was opened. 
XXXX XXXX wrote back and advised that they purchsed the assets from XXXX XXXX XXXX in XX/XX/XXXXand they had no proof that the account was a joint account as they could not locate a copy of the credit application. 

My son became XXXX in XX/XX/XXXX and I am his full time caregiver. My son stopped paying this and other bills as he is now XXXX. 

I need to keep my credit rating up and this mistake has hurt my credit scores on all the reporting agencies. I understand that the full amount on the account, about {$24000.00} was charged off last month. 

I understand that the Fair Credit Reporting Act says that the reporting agencies must show proof of the various claims or take the negitive comments off the report. Clearly in this case this has not happened.
Product: Credit card or prepaid card

Bought a laptop at Best Buy ( Citi Bank ) by opening Best Buy Credit Card Account. 
I paid off the laptop. 
They charged me {$210.00} for service fees not requested, used or agreed to. 
I tried to contact them ( at least XXXX hour on automated service line, during which they misunderstood my complaint, and instead opened another account for me ). 
I finally got a real person on the phone ( another hour to get to that point ) and I disputed the charge and said I wanted them to close my account. They said they would investigate. 
They sent me a letter telling me I should call them. 
It takes me another 2 unsuccessful attempts and finally I got them on the 3rd attempt after another hour in automated maze. 
They said they would credit the account for unauthorized charges and I asked them again to close the account. At this point they say I do not owe them any money. 
However, another month goes by and they now have XXXX accounts open for me and they charge me the {$210.00} again for unwanted, unused and unauthorized charges. 
Now I'm filing this complaint to make sure they finally close my account and stop charging me and threatening me for not paying for charges I never agreed to when the account should have been closed in XXXX. 
I don't trust them to stop and I am wasting too much time defending myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name on my consumer report XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Georgia and any other spelling of my name is incorrect except : XXXX XXXX XXXX The addresses on my consumer report XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX any other address is incorrect except XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The employers XXXX XXXX, XXXX By XXXX and XXXX on my consumer report are incorrect
Product: Checking or savings account

I deposited a third party check into my account, after a 10 day hold, it cleared, the money was taken from the account that wrote it and given to chase ... After the hold my account was restricted until I could verify the identity of the person the check was originally written to in a very specific way... They wanted a phone number that was registered in her name and to call her and speak with her... We even went into the branch with her photo i.d . And that wasn't good enough... She doesn't have a phone number registered in her name .. so m chase closed my account and instead of mailing me a check as I expected, as is the norm when they decide to close an account, thwy are holding mt money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint about the response the company SELF/LEAD  XXXX gave me. 
they are using misleading and deceptive practices to collect fees and negatively impact my credit because the only time I received notice that there was an issue with automatic payment was two months later. I NEVER received any other notices prior to that. now checking I see other emails that I've never seen before because they were sent from a different email address and those were going directly to promotions or spam. As you can see in the attached picture below they just apear if I look specifically for Self in the search bar.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

XXXX Account XXXX has violated my rights XXXX XXXX XXXX  Account XXXX has violated my rights XXXX XXXX XXXX - Account number 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
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : UXXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card

Hello!, On Wells Fargo website, there is a description for Visa signature credit card that claims it provides some extra features such as travel insurance. And extended warranty. 

XXXX XXXX XXXX XXXX cancellation Based on this information, I applied for Wells Fargo active cash credit cards which has the Visa signature symbol printed on it, assuming it provides the features written on the web page I sent the link above, for my travel plans. 
But when I had an emergency and had to cancel a part of my trip. I called Wells Fargo and I was shocked when they told me my credit card doesn't have trip cancellation. 
When I provided the website and the image of my credit card with Visa signature label on it.

Their answer was that they had a credit card named Visa signature that had this extra features. and that web page is only for that specific credit card. When I asked where can I get the information about Wells Fargo Visa signature credit card. They claimed that it was not available anymore.

In other words, even though my credit card has the Visa signature stamp on it, it is not considered the card that Wells Fargo website advertise as Visa signature card.

This is completely deceptive, I only applied for this credit card for its feature that is advertised in Wells Fargo website. But Wells Fargo claims that information is not for all Visa signature credit cards, but only for a specific one that is not being provided anymore.
Product: Debt collection

I have made XXXX payments of {$150.00} as I could, within a week. They want another payment of {$200.00} inmediate which I can and since I didnt they increased it to over {$300.00}. They are threatening to sue me or take me to court
Product: Debt collection

I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX 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. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history. 
I kindly request that you conduct a thorough investigation into the discrepancies and update my credit report accordingly. I understand that the Fair Credit Reporting Act ( FCRA ) mandates a prompt investigation and resolution of consumer disputes, typically within 30 days.
Product: Checking or savings account

My savings account was opened on XX/XX/XXXX XXXX XXXX it was opened from a transfer of funds from my checking account. I opened it with XXXX dollars. On XX/XX/2020 XXXX was fraudently transfered back to my checking account. then XXXX was wired out of my checking account. IF I would have done this i could have wired it from the savings account and not go thru my checking account. USAA should have caught this scam. There should be an investagation int why USAA let this happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2022, I told the credit bureaus to verify every piece of information on the accounts listed below. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. These accounts are still not showing 100 % accurate and there are many discrepancies. According to the FCRA 15 USC 1681, everything needs to be 100 % accurate, or it must be removed. I have attached my credit report showing the inaccuracies as well. 

Accounts : 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

This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud, within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information includes : 1 ) A personal credit card account opened at XXXX XXXX on XXXX under Account # XXXX : 2 ) A personal credit card account opened at XXXX XXXX  on XX/XX/year> under Account # XXXX ; These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question, as well as a copy of my consumer FICO credit report maintained by your agency, showing the aforementioned fraudulent items. 

I do not recognize the accounts, collections, or hard inquiries as reported. None of the accounts, collections, or hard inquiries appearing on my consumer credit report were opened, made, or initiated by me. All of these are the result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint ( private case number ) as proof from the U.S. Federal Trade Commission that the accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX of XX/XX/2021 to removed XXXX XXXX XXXX my account it still has not been removed. Therefore, I am contacting you to resolve the issue of removing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unemployed since XXXX of XXXX and filed a forbearance request with my mortgage lender, XXXX XXXX XXXX. I received a letter from the lender dated XX/XX/XXXX detailing my temporary hardship forbearance plan. I followed up with a phone call in order to confirm the information in the letter. The representative from the processing company, XXXX, confirmed that the plan was approved and no payment was due until XX/XX/XXXX. I was told I would be contacted to discuss re-payment options at the appropriate time. 

On XX/XX/XXXX, I had not received any communication from the lender so I called to get a status on my loan. I was told that the loan had been transferred to another servicer, XXXX, and the paperwork had not been fully transferred over to the new servicer so they would be in contact. In XXXX I began receiving letters that my payment was late so I called back to find out why I was receiving the notice. I was assured that it was sent in error and not to worry as it would not affect my credit. 

In the ensuing weeks, I called repeatedly, ( no less than 10 times ), and was given the same explanation and the notices continued, including a notice that the load was not in default. Last week, I received a notice from the credit bureau that my score had dropped 38 points because of this issue. I contacted the lender and was told they would correct the issue on call me back on Wednesday, XX/XX/XXXX. 

I have yet to receive a call back and the issue has not been resolved. This company, XXXX XXXX XXXX, has been completely negligent in how they have handled my account and have completely ruined my credit in the process. 

Your assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incidents of fraud, data breaches and identity theft are becoming more rampant, I therefore legally request the DELETION of INACCURATE accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. CXXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

Open or closed account in my name that doesnt belong to me please remove from credit report
Product: Mortgage

XX/XX/XXXX, put a contract on a home through Guild Mortgage, property address is in XXXX, sc XXXX XX/XX/XXXX, I did inspection for a streamline XXXX mortgage, total mortgage {$100000.00} XX/XX/XXXX, unknown to me, presidentially declared disaster damaged the home before we closed XX/XX/XXXX, I closed on my home but the lender did not do a post disaster inspection for damages as a result of the storm as required in FHA guidelines XX/XX/XXXX, contractor began streamline XXXX repairs but was unable to finish due to additional damage not included in the mortgage as a result of the storm XX/XX/XXXX, I was unable to even move in the home because the damage was so significant and severe, mildew and mold and flood damage, furniture was moved in and also damaged from mildew XX/XX/XXXX, retained an attorney to work with Guild Mortgage on getting the repairs done XX/XX/XXXX - XX/XX/XXXX, Guild Mortgage tried to put the responsibility for repairs on me. All the while, my attorney was in settlement negotiations with Guild Mortgage. Behind our backs, Guild mortgage applied for foreclosure in XXXX of XX/XX/XXXXXX/XX/XXXX, Guild mortgage had repairs assessed in the amount of {$160000.00}, the mortgage is only for {$100000.00}. Guild offered to take over the deed of the home in exchange for credit repair and a settlement of {$10000.00}.