23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is a follow up complaint to XXXX. 

I have contacted my Chase once again concerning the fraudulent charges on my credit card. They attempted to call me on XX/XX/XXXX but I was busy an unable to receive the call. I called back today ( XXXX ) to follow up. 

The first attempted call I was given no information. I was told my voice sounded robotic and asked to turn off my speaker phone. When this failed to resolve the problem I was told to hang up and try calling from another device. This has happened on previous calls to chase and seems to be a delay/frustration tactic to keep people from their money. 

When I called back ( from the same phone still on speaker ) there was no issue in being heard. I spoke with someone who told me the case had been '' reopened. '' Despite this case having been " reopened '' the last communication I received from them was a letter on XX/XX/XXXX stating the case had been concluded. I was told I would be contacted within four ( 4 ) business days. I requested to have information added to case about the information I was requesting. I requested all information regarding the charges ( specifically card data, signatures, video footage, location, signatures and itemized receipts ). I requested a record of when all cards and replacements for my account were sent out. I requested IP, Location, Device, and Date information on when the merchant for these fraudulent charges was added as a pre approved merchant for my card. In response I was told I would have to request this information from the fraud team directly and the only note they could add was that I was requesting " all available transaction data. '' This was woefully incomplete and a blatant attempt to continue hiding a malicious seizure of funds with incompetent investigation. 

I hope the CFPB will hold Chase responsible for the $ XXXX that have illegally taken from my account.
Product: Money transfer, virtual currency, or money service

Money removed from my account with out permission there were no customer support to contact for assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear FTC Commissioner : I would like to file a complaint against Experian regarding an unfair business practice. 
As you are aware, in the past when XXXX  and XXXX  gave consumers the ability to freeze and unfreeze free of charge, Experian refused to do so and charged consumers {$10.00} per transaction. The federal law now mandates that all credit reporting agencies allow consumers to freeze/ unfreeze their credit free of charge. It is apparent that Experian devised tactics for increased revenue which is unfair and burdensome for consumers. 
Yesterday, I logged on to Experian to unfreeze my credit and although I had input all the correct information, the website directed me to send in an abundance of materials, including ID, copies of social security card, etc to a XXXX XXXX XXXX to XXXX, TX. 
I called Experian and talked to a representative, and although he has all my information, he said he was not able to help me and that my only option is to send in all materials. He said it would take about 10 to 14 days. I told him that I need to purchase an automobile immediately. He agreed with me that by making consumers send in all necessary documents, it is quite burdensome and it has also affected him greatly with his personal matters. 
I have the basic Experian membership, which is free but they have all my credit background information. 
If a consumer upgrades to a paying membership, then there are privileges. 
This practice of requiring documents to be sent to their PO box is unfair to the consumers and reveals their very tricky and dishonest business tactics. It is cumbersome to consumers and forces comsumers to sign up to become premium members. Moreover, with all the identity thefts cases, how dare they ask for critical documents to be sent by mail. 
I would appreciate your investigation into this and exact a fine as appropriate. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail ( tracking XXXX  XXXX ) requesting an investigation into inaccurate items on my report. Additionally, I disputed incorrect personal information listed on my credit report. To help Experian verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
Despite my clear and thorough request, I did not receive any response from Experian with investigation results. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 
I am including a copy of my dispute letter sent to Experian, along with proof of delivery as evidence.
Product: Debt collection

There is a debt from enhanced recovery for XXXX. 
I have never had an att account in my name. 
My mother had an account ; but, she is now in a XXXX XXXX with XXXX. 
For some reason, XXXX has decided to put the account under my name and social security number as they ca n't collect from her. Enhanced Recovery has placed the negative information on my account for {$970.00}. 

I 've told them when they 've contacted me the debt is not mine. It was opened in my mother 's name, and under her social security number. I was informed by debt collector that because we lived at the same address, and I had the benefit of those services, and because I am my mother 's power of attorney, I am now liable for the debt and they refuse to remove it from my credit. 

THIS IS NOT MY DEBT.
Product: Credit card or prepaid card

I received a call from a women claiming to be reporting fraud. She goes on to say that someone has opened a credit card under my name and social. I respond with " I have n't applied for any credit cards for citi bank ''. She goes on to say that she need to verify my social number or go to their web site that I cant recall. I told her " I will not give you my social ''. She then say to go to the website she provided and call for myselft with  XXXX  as a reference number.   I disregarded the website she gave me and went directly to citi banks website, and as I expected there was no trace of anyone trying to open a credit card under my name or social. The scammer was calling from a  XXXX   XXXX  area code and the number is  XXXX .
Product: Credit card

I am a nurse who practiced in long term care throughout the entire pandemic, until contracting the virus myself in XX/XX/XXXX. This lead to over a month long ICU hospitalization and rehabilitation. 

During this time period, I contacted the card issuer XXXX and requested " accommodations '' under the Cares Act for the late payments reflected on my credit report and to bring my account current. Currently all 3 credit reports reflect consecutive late payment. This includes : ( 1 ) 30 day, ( 1 ) 60 day and ( 3 ) 90 days for the period XXXX - XXXX, XXXX. 

Since regaining my health and returning to work, I have paid over 80 % of the total account balance, far more than both parties previously agreed to. 

I have contacted XXXX and disputed the late payment information citing this act, without success. 

I have been a customer of XXXX 's since XXXX XXXX, with no late payments, except while incapacitated after providing care to those in need during the pandemic. This is not a pattern. I would like to continue a business relationship with XXXX, as I use all their products and hope this can be resolved.
Product: Payday loan, title loan, personal loan, or advance loan

I made several attempts via Social Media and App Help Desk ( per the described, outlined methods of contact in the outlined contract ) revoking ACH and debit access to my account. On XX/XX/23 I made 3 requests for due date extension, which went unacknowledged. I proceeded on XX/XX/23 to revoke account access expressly and in writing via the XXXX XXXX XXXX and Social Media XXXX. Both requests were acknowledged as received, however XXXX only moved forward with due date extension and I still had to confirm and continue w/ revocation. Revocation of ACH was completed on XX/XX/23, however XXXX representatives state it is impossible for them to revoke debit access. This has been said multiple times by them in writing. They then processed XXXX $ debit on my card after revocation - XXXX still pending ( unauthorized ) withdrawal XX/XX/23. I opened a XXXX  complaint against them, and they keep updating the XXXX complaint requesting I email in on the original email chain. I did XXXX, no response. i created a new ticket, no response. I called today and spoke to manager XXXX, who says original ticket is closed, no one will respond to that ( so why they are instructing on the XXXX ticket for me to email in on an inactive ticket is beyond me, and why they didnt respond to new ticket is beyond me ). XXXX confirmed it is impossible for him to revoke debit access, but they have escalated to corporate to investigate and someone will call me back. I requested a timeline of callback, they refuse to provide one. I told them I intended to file Attorney General complaint ( i did today ), any other complaint within my legal rights, and consult a lawyer if possible. I also will put a stop payment to them on all debits/charges, which costs me XXXX $ that I should not have to pay, to try and ensure that the payment doesnt process, but I am concerned they will change their name slightly to take the funds, as well as break the amount up, after I have revoked access to my account and they have no legal right to do. It is of note, we are well outside of any needed payment revocation authorization window needed, so any request to revoke should be able to be processed, as payment date is XX/XX/23 and I have been requesting in writing since XX/XX/23.
Product: Debt collection

XXXX and Venmo have provided incorrect total balance due and not responded or received the information given They are requesting a total balance due that is incorrect and have continued insisting.
Product: Mortgage

We were having trouble with the payments and the loan was in my moms name and she is under   XXXX   XXXX    which I did n't have to tell them because we found someone to buy the house and let us stay here as long as my mom is living, I wanted to keep the house but knew Ocwen would n't work with me on it. We had to do a modification a few years back and they said we did n't qualify for the presidents program. They wanted to know anything and everything and still did n't lower the payments any. Then they had to take out insurance because I could n't get any, because of a fire. They raised it up another {$140.00}. But when we started the closing they did n't want to give us the pay off quote, they kept changing it day by day, and did n't want to give the one handling the sale any help  or any information. They have been a headache every sinc e we had to refinance with them. I have been cused by some of the hounded and heassed by them at different times. They are one company I hope to never have any more dealing with and when we had to refinance that gave us a ballon payment of {$35000.00} in 15 years.
Product: Credit reporting or other personal consumer reports

I have never applied for loans with the following accounts listed below. 

XXXX I do not have any open accounts with these companies. This is a fraudulent action that has token place and I do not want this to affect my future or finances. With your research and consideration please look into this. Identity theft report is submitted with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to place a security freeze on my credit report with TransUnion on X/XX/17 at XXXX PST. The link to the Security Freeze option results in a webpage saying the service is temporarily unavailable. However, there is no problem accessing the webpage where TransUnion is trying to sell me their TrueIdentity product to " lock '' my credit report.
TransUnion appears to be taking unfair advantage of the XXXX hacking incident, and customer 's interest in freezing their credit reports, in order to FORCE us to buy their TrueIdentity product by making the legally required availability of a Security Freeze inaccessible. The increase in demand for Security Freezes can not be the reason for the unavailability of this service if the parallel, but more expensive, TrueIdentity product is still available.
Product: Money transfer, virtual currency, or money service

XX/XX/year> Text from Wells Fargo someone was trying to create {$8900.00} XXXX transaction call XXXX immediately. XXXX XXXX ( XXXX ) employee said to call XXXX regarding transaction. XXXX from XXXX XXXX claimed I was requesting XXXX for future investment of {$8900.00}. Called XXXX XXXX ( XXXX ) for next steps, was told in order to prevent transaction an {$8900.00} wire transfer was needed for Wells Fargo to flag as duplicate charge to reverse transaction attempt. XXXX XXXX ( XXXX ) helped me send wire transfer to XXXX XXXX XXXX, NV on XX/XX/year> to beneficiary bank XXXX ( XXXX XXXX XXXX ) XXXX, MA. Received wire confirmation from Wells Fargo, however, transaction was not questioned, flagged for confirmation or blocked by Wells Fargo. XXXX XXXX XXXX XXXX XXXX said he would keep me advised regarding refund of {$8900.00} to my account, wire amount {$8900.00} {$25.00} transfer fee charge. Fought with XXXX XXXX ( XXXX ) until XX/XX/year> when he stopped answering text messages and phone calls. XXXX XXXX XXXX said he could not refund my money unless I returned XXXX he sent to a XXXX email address. Did not hear from him again after XX/XX/year> Both XXXX XXXX and XXXX scammed me.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX, a debt collecting company, reported to my credit report. I informed them I did not owe them a debt and refused to pay them, that I never signed a contract with them, and citing15 USC 1c92c ( if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer ). Putting anything on my credit report is a form of communication and is a violation of the law.

I sent Equifax a copy of the letter ( along with identity verification ), and cited 15 USC 1692c as well as 15 USC 1681 ( a ) 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. 

The violations on my credit report is from the following agency : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

They did not perform an escrow analysis in the second year of the loan ( we are going into the XXXX year ). We were then hit by hurricane XXXX and they then notified me of the dramatic increase in escrow and told me it all had to be paid back in an unreasonable amount of time. I have since had the death of my sister, my father, and my mother and they are denying me service completely. They will not speak to me and are now sitting on insurance money and have stated that they will sit on the insurance money indefinitely if they do not receive receipts. I have told them, receipts do not exist. 

Planet home lending has been rude, condescending, entirely unhelpful in my family 's time of great need.
Product: Credit reporting or other personal consumer reports

Identity theft is a serious issue that has not only jeopardized my financial stability but has also caused significant emotional distress. I want to reiterate that I have followed every proper legal procedure and requirement diligently to address this matter. It is important to note that, as a consumer who has diligently adhered to the proper legal procedures, the rejection of my identity theft claims contradicts the very principles of justice and protection that these procedures are designed to uphold. I strongly urge your bureau to recognize the gravity of this situation and the distress it has caused me. I insist that my identity theft claims are thoroughly reviewed in accordance with the law, and I expect the prompt resolution of this matter in a manner that reflects the seriousness of my situation. This is the account that was a result of ID-Theft : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX Please delete this account ASAP.
Product: Vehicle loan or lease

this on going mess for a year now, I have tried 7 times to reset the loan and this has screwed up 7 times I have written a demand letter to reduce the rate due to hardship and still no answer. Filed a complaint through XXXX  and nothing, went unaswered, and I get lied to repeatedly and or foreign people who do not know how too do their job
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Debt collection

I personally went into the office of the XXXX XXXX XXXX XXXX XXXXXXXX, and was told that the request to reconnect services at my old address did not indeed come from my email and therefore the balance was not owed. 

However, a few months later this account appeared on my credit report, with no written notice that I even owed anything. The deposit I previously had, had covered the bill in full up to the date of termination that I occupied the residence. Please see the attached eviction, as confirmation that I no longer occupied the premises.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX  XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have sent XXXX, equifax and XXXX dispute letters for my negative accounts over 30 days ago they still have not received investigation results on my dispute I disputed 3 negative account XXXX XXXX, XXXX, XXXX my name is XXXX XXXX SS XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a correction of the following information that appears on my Experian, XXXX, and XXXX credit reports.

Dispute 1 Account Number or other information to identify account : XXXX - XX/XX/XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize the inquiry on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately.

Dispute 2 Account Number or other information to identify account XXXX XXXX XXXX XXXX XXXX XXXX XXXX with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize the inquiry on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately.

Dispute 3 Account Number or other information to identify account : XXXX XXXX, XXXX XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately.

Dispute 4 Account Number or other information to identify account : XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started in XX/XX/2020 to find out why my credit report was so low. Experian will not remove a bankruptcy that is destroying my life. I understand if I filed then I would have to deal with the consequences, but I did not. I disputed the the negative mark on my credit report, and waited for a response, 30 days later I got a credit report with no changes and a letter stating they received their information from XXXX XXXX and that it would remain. So I contacted XXXX XXXX, and they told me they would look into it, and they did and they sent me a letter and and updated report so I could have proof for myself, and I sent all of that information to Experian and they still have not removed it from my file. I pay for their monthly service and it wont even allow me to dispute it. It shows bankruptcy and dismissed. I cant get credit cards because of this, the last two cars I bought were at 26 % interest. I have been denied from several banks and forced to open secured credit cards. It is not fair that they will not delete it. I sent XX/XX/XXXX the information and they took it off. All finance companies use Experian and if they are the only ones that controls what is in your credit file then they should take the power a lot more serious, cause they are ruining lives. I have paid thousands in interest and will never get ahead. I can't afford to let this go on any longer its going on 5 years that I have been penalized for it.