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

Over the last XXXX weeks I have disputed charges to my account which I did not make and are unauthorized. I have provided Venmo with a FTC Identity Theft report as well as proof that my information has been leaked in XXXX separate data leaks. Despite this, Venmo is providing false information to deny my claim. Disputes with XXXX Eats and XXXX ( XXXX ) have been denied stating that deposits were made just prior to the charge and that this activity matches previously authorized account activity. It does not match ANY previous activity nor were there any deposits made to my account prior to these charges. These charges were made XX/XX/XXXX and the closest credit into the account is XX/XX/XXXX. I do not have an XXXX Eats account to have even ordered from XXXX Eats. Additionally, there are XXXX XXXX rideshare charges which are also being denied. However when I contacted XXXX regarding the charges, they informed me someone by the name of XXXX was added to my account. This activity is also unauthorized as I don't know anyone named XXXX rideshare dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for {$12.00}, {$25.00}, and {$28.00} respectively. There are several other unauthorized charges however these are the ones I currently have information on. I will update with the other charges when I locate the " denied dispute '' email Venmo claims it sent me
Product: Mortgage

I am on Social Security XXXX and have been trying to modify my home loan to make the payment more affordable. Carrington Mortgage has been dragging their feet, losing documents I send them, and trying to stall the modification process as long as they can.

I have sent Carrington Mortgage ALL the information they requested and I am currently working with them to get the loan modified, but they just sent me a Notice of Trustees Sale! 

I have no other place to go and Im XXXX! I dont want to live in the street! 

Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX XXXX XXXX on XXXX XXXX2018 @ XXXX. I spoke with XXXX XXXX in the XXXX North Carolina office in regards to a vehicle that does not belong to me appearing on my credit report. She stated that she have no account based on me providing my social security number along with my first and last name and address. She asked for my social security number and I provided my social XXXX she stated she had nothing that matched my social security number. She advised me to contact XXXX XXXX from the Recovery department telephone XXXX, I contacted XXXX XXXX at XXXXXXXX XXXX, per XXXX XXXX there is no information based on the social security Address or name provided.. XXXX XXXX advised me to reach out to the credit bureaus which have been done on several attempts but this still remains on my credit report. This account does not belong to me and I would like for this acct to be Deleted immediately. This has damaged my financial state. Please delete Not my account. Delete from all bureaus.
Product: Credit card

Subject : Complaint Against Keys Jewelry Credit Card Company XXXX XXXX XXXX  ). 

Dear Sir/Madam, I am writing to express my deep frustration and concern regarding a recent experience I have had with Keys Jewelry ( XXXXXXXX XXXX XXXX XXXX a credit card company. I believe that I have fallen victim to a fraudulent charge, and I am seeking your assistance in resolving this matter. 

I have been a responsible cardholder with Keys Jewelry ( XXXX XXXX ) and have made consistent payments, staying on track with my financial obligations. I initially owed approximately {$6000.00} and made a substantial payment of {$5300.00}, leaving a balance of about {$700.00}. Following this, I diligently made monthly payments of {$100.00} to reduce this remaining balance. 

To my surprise, today, I received information from Keys Jewelry that my payments were supposed to be completed within 18 months. This was the first time I had ever heard of such a stipulation, and it was not disclosed to me at the outset, during the course of our agreement, or even at the end. The lack of upfront information and notification is deeply concerning and has caused me undue stress and financial hardship. 

Upon further investigation, I noticed that there had been an unexpected addition of over {$200.00} to my current payment balance when I checked my online account with Keys Jewelry. This alteration to my payment terms has put me in a precarious financial position, which I was not prepared for. 

Given the current state of the national economy and the challenges many individuals, including myself, are facing, I want to stress the gravity of this situation. I am a single mother, a XXXX and the sole provider for my XXXXXXXX son. The unexpected financial burden placed upon me by Keys Jewelry is causing me great distress and making it increasingly difficult for me to meet my financial responsibilities. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to address this fraudulent charge and the lack of transparency from Keys Jewelry. I hope that your intervention will help rectify the situation and prevent other individuals from falling victim to similar practices by this company. 

I appreciate your attention to this matter and look forward to a prompt and satisfactory resolution. Please feel free to contact me at [ Your Email Address ] or [ Your Phone Number ] for any further information or clarification you may require. 

Thank you for your time and assistance in resolving this issue.
Product: Credit card

There is a JPMCB reporting on my credit file. I did not know that this account existed until one day I pulled my credit report and noticed that it was showing and I don't recall ever opening this account. Can you please please provide me with proof that this is even my account. Please remember statements is not proof that this account belongs to me. If there was an account opened with my address attached to it, then the only thing that I can make sense is that one of my roommates during that time opened a credit card using my information an I pray that this isn't the case.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following accounts and inquiries blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX XXXX - XXXX - XXXX - {$1100.00} CITIZENS PAY CREDIT LI - XXXX - XXXX - {$2200.00} CAPITAL XXXX - XXXX - XXXX - {$800.00} XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX BANK XXXX - XXXX - XXXX XXXX {$6800.00} XXXX XXXX BANK - BENEFI***************** - XXXX - {$890.00} XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX {$4300.00} XXXX XXXX XXXX - XXXX - XXXX - {$32000.00} XXXX XXXX XXXX  - XXXX XXXX XXXX - {$1800.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX
Product: Prepaid card

The initial complaint ID is XXXX for this issue that was still not resolved as a check was not received. 

The {$100.00} pre-paid card was only able to be used in store and not with any of the online stores I needed to purchase on. The card had {$68.00} balance and AMEX had replied in XX/XX/XXXX stating a refund check was being mailed. However, this was never received. As a result, the card was closed, so now no working card and no refund check. 

Amex can see that the check was never deposited. So we are not losing {$68.00}, I ask if the original check can be cancelled and a new refund check securely mailed. Worse experience ever with a gift card company. I've had to warn family members about choosing Amex for gifts due to this frustrating experience of feeling ripped off. 

My XXXX daughter got XXXX of these gift cards for XXXX that was purchased before our family member was informed of these online purchasing problems. My daughter tried to buy shoes online and of course the card won't work. But this is another separate issue that she'll need to contact about. 

I'm hoping Amex can cancel the first and lost {$68.00} check, and send a new one to the address indicated on file.
Product: Prepaid card

I received an Amex gift card from work and it says it is accepted at all merchants where Amex is accepted but I can not get it to work anywhere. I have tried XXXX, XXXX and XXXX. A search of this issue shows that I am not alone as many people are having trouble using the same card. Amex does not seem to have a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Amerassist account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX CT TN XXXX account # XXXX, XXXX XXXX Bank account # XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, and XXXX XXXX XXXXXXXX account XXXX XXXX have 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: Debt collection

In XXXX I had a chase student card from a checking account I opened in XXXX of either somewhere between XXXX of that year, I started to personally use my credit card in the beginning of XXXX but once I moved from college after my last semester my card was lost the week prior and never noticed until I moved, I immediately did my best to make light of this situation to the bank but they gave me a run around and I decided not to pay off something that is stolen. I also have student loans from a school I got kicked out from academically, that was the only time I took a loan out and ended up not going to the school
Product: Credit card or prepaid card

There were unauthorized charges used on a home depot card in the month of XXXX that totalled over XXXX. XXXX XXXX sent me a text asked I'f id tried to purchase something and I advised no. The next day fraud dept called and we canceled the account. They told me charges never went thru so they issued a new card. They never told me about the other charges that were charged to my account that they allowed so I called them in XXXX dispute those fees. XXXX case was opened and until today they say I'm responsible for fees I never purchased at there store.
Product: Credit reporting or other personal consumer reports

I didn't ever open a KOHL 'S account, a CURRENT acct or XXXX XXXX XXXX acct and it says I did on my credit report
Product: Mortgage

RoundPoint Mortgage Servicing keeps contacting me about refinancing option. I have told them multiple times that I was not interested and they should stop calling me. This happened between XX/XX/10-XX/XX/2020
Product: Debt collection

These accounts are not mine. The only one that I claim is the one I owe XXXX on. I have been making payments on this account and have never missed but perhaps a month or so. If you are going to send me a collection letter and place this account in collections, I will not pay another dime. I would like to request my money I have paid back. I have spent years building up an amazing credit score and I refuse to let you all ruin this for me. Do not call my house or place of employment. Do not write me. Do not email me. Take me off this collection list now. My lawyer for all matters is XXXX XXXX. XXXX and XXXX XXXX XXXX  in XXXX XXXX, Arkansas!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX someone hacked into my Coinbase account and sold my cryptocurrency and tried to withdraw my money. The fraudster was not able to withdraw my money and account was locked. I have been calling and trying to recover my account ever since. It is now XX/XX/XXXX and I have called several times files a complaint with Coinbase and tried to do the identity verification probably about over XXXX times and it keeps failing. I dont several hours on the phone at different dates to try and resolve and keep getting g told I will get an email and have to do the identity verification which is not working or passing for me. Been out of my money for almost a month and I need my funds. This is very disappointing and I feel like I am not getting the help or service needed to resolve this.
Product: Student loan

Contacted Ed Financial 3 times. XX/XX/year> is when the request was made to receive statement records of all payments made to the student loans. The loans were transferred from XXXX and I wanted records showing Ed Financial has a record of all the payments that were made. 

I was given a service level agreement time of 26 days to process. I still have not received any communication, email or standard mail regarding this matter.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], are not complete and accurate. 




[ XXXX  XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Product: Debt collection

Americollect is attempting to collect on a debt that does not belong to me. XXXX started the dispute process got collections removed from the credit bureaus due to the accounts does not belong to me never resided at the home they have listed. However I received a collection notice and the mail XX/XX/2022 sent them a debt validation letter XXXX they responded XXXX with a list of statements again that does not belong to me never have I resided at the address they listed. Therefore I am filing a complaint on a debt that is not mines and does not belong to me. Amounts that they are attempting to collect is {$33.00}, {$120.00} and {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly request that you promptly remove this inquiry from my credit report as it is inaccurate and does not reflect my credit history. Thank you for your immediate attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the XXXX data breach, I was trying to freeze or lock access to my credit report to prevent identity theft. After successfully doing that with XXXX, I attempted the same thing with Transunion. After completing my request and locking my report, I received an email informing me that I was being charged {$22.00} monthly. 
At no time while completing my request was I presented any costs or let alone asked to approve charges. I did provide credit card information, but it was requested in such a way that I thought it was a part of the identity verification process. 
The only way to contact Transunion is by phone. So, when I tried to contact Transunion by phone, I could not get through leaving me with no way to resolve this issue. I tried three different times. There is no email contact method offered. 
My major complaint is that the website is at best confusing and at worst deliberately misleading.
Product: Prepaid card

I am trying to dispute a transaction with blackhawk network on a prepaid visa card. I have submitted the dispute form both via fax and email, but have not received any confirmation that the dispute form has been received and is being processed. 

I have called several times and spoke to several different departments and no one can get me in contact with the dispute team for a status of my dispute. Their terms state they can only accept disputes that are initiated within 60 days from the transaction, but fail to even provide a confirmation of receiving the dispute or the status of the dispute XXXX. 

I am at wits end and this involves {$500.00}, which is a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents detailing this company XXXX XXXX Acct # XXXX violating my consumer rights by reinserting an collection account that was removed from my consumer report. I submitted a dispute and had this account removed from my consumer report there is no reason for this account to reappear back onto my consumer report just 3 days after it was removed. According to 15 U.S. Code 1681i ( B ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX you are in direct violation of the fair credit reporting act XXXX XXXX XXXX, XXXX has violated several of my rights. 

15 U.S.C. 1681 section 602 A. clearly states that i have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized access and furnishing of my credit information. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, I did not provide any written consent authorizing the release of my personal credit information to any third party, nor did I authorize your organization to obtain such information.

Given this lack of consent, I request that you immediately investigate this matter, remove any unauthorized inquiries from my credit report, and take the necessary steps to ensure that such unauthorized actions do not occur in the future.

Please provide me with a response detailing the outcome of your investigation within the 30-day period as required by law.

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

In XX/XX/2020 I paid off, in full a car loan # XXXX. At the day of pay the bank tells me giving up my title in 30 days. I call a few times to resolve this matter, but I can't receive any documents, letter or a simply call from First Bank Puerto Rico. I don't pay any fees for unreceived documents. I wish a penalty for irresponsible handling of my documents, I'm paying for my loan and I need my title as soon as possible.
Product: Credit reporting or other personal consumer reports

I did not authorize this credit inquiry, and I believe it was made in error or without my consent. According to the fair Credit Reporting Act ( FCRA ), any inquires listed on my credit report should only reflect those that I have explicitly approved. I request that this inquiry be thoroughly investigated, and if it is found to be unauthorized, that it be removed from y credit report. 

Please provide me with Documation that proves the legitimacy of this inquiry or proceed with the removal of the false entry from my report. I also ask that you send me a written confirmation once the matter has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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, remove the noteworthy of any information in my credit record that came about due to an 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Accounts : Account Name : XXXX  Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : Miscellaneous Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 



Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a 609 letter by mail to Transunion back onXX/XX/2021 to dispute erroneous accounts! I have not received anything in 30 plus day. I wish to remove late payment from XXXX  account # XXXX To delete XXXX XXXX XXXX  Account # XXXX. And to delete XXXX account XXXX which is a wrong account. And to reve all Inquiries not attached to accounts.mo