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

XXXX XXXX child support XXXX XXXX XX/XX/2023 Pursuant to 18 USC 8, I owe no debt to this company. This company is violating my consumer rights by putting this on my credit report. USC 1681B 2. 


I am currently in litigation, and this needs to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a regular complaint, as Ive now filled a complaint with the federal trade commission and the better business bureau. This is becoming extremely unacceptable and I demand these accounts be deleted immediately. Ive sent in multiple letters and even have tried calling an enormous amount of times. Equifax refuse to abide by the law and Im demanding something be done about this. It has been a very stressful process, their infringing on my right to privacy and has now cost me thousands of dollars. Ive never given any consumer reporting agency the right or ability to furnish ANY information of mine. Please have them delete these accounts as I will be forced to file for litigation due to the damages and stress caused.
Product: Debt collection

National credit adjusters started calling me around XX/XX/2019 in regards to a debt they bought from XXXX XXXX. They advised me they received the account XX/XX/2019. They have since been calling me everyday, twice per day, even after they speak to me and I advise I am at work they will call back later. Per, FDCPA they can only make contact with me once per day. When I asked them when and if this would go on my credit they told me they did not know and tried to strong arm me to pay. I have never received anything in writing from National Credit Adjusters advising me that they have assumed the debt. Per, FDCPA I have 30 Days to dispute the debt and they should have sent me a letter giving me 30 days and they DID NOT. Also, per the FDCPA they are not allowed to demand payment during the 30 day validation period and they are also suppose to advise me when this account will got to my credit. As o today XX/XX/2019 this account is on my credit, without notification, without giving me my 30 days dispute period. They are in violation of the FDCPA on so many levels.
Product: Checking or savings account

Received a spam text on XX/XX/21 at XXXX stating " C I T I B A N K : ( # XXXX ) Acct locked due to suspected fraud Sign-In attempt. Confirm your details now at https : XXXX to restore access '' I don't have an account with CITIBANK and haven't for over a year. Additionally, that account was a government credit card.
Product: Credit card

I didn't receive points for using my Chase card for phone service. The company advertised and describes the points category on the bill as " internet, cable, phone, office supply ''. I purchased phone service from XXXX, a XXXX XXXX XXXX XXXX XXXX, with this card on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and my statement didn't reflect points for these spends. I chatted with the Chase card representative after I received my XXXX statement to inquire why I didn't receive points for phone service. I was told that the transactions or charges weren't " coded '' as telecommunication, they were " coded '' as " software '', so they didn't fall under the redemption category for telecommunication service. The Chase card representative said that this was a " coding error '' and there was nothing he could do to fix the error, he said the fault lies with XXXX. I spoke with XXXX and they said they aren't responsible for credit card transaction details like that. The XXXX  representative told me that the fault lies with the credit card company.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : LOANDEPOT Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card

I am filing this complaint due to an ongoing issue with Bank of America concerning my credit card account XXXX XXXX XXXX XXXX. After requesting a credit limit increase and providing all requested documents for income verification, I was informed that my account is under consideration for closure, which has not yet occurred but seems imminent. This situation has caused me significant distress and potential financial hardship. I believe the process has not been handled with the transparency and customer care that is expected.
Product: Credit card or prepaid card

On XX/XX/22 I paid a payment on my Amazon Store Card for {$17.00} ( fixed payment amount ). I paid XXXX weeks early. It's due XXXX/XXXX/22. I always double-check every payment before I submit it and I authorized the usual {$17.00} amount. Someone on the banks end went in and changed it and took {$570.00} instead! When I called the company they claimed they could do nothing except send a check in XXXX weeks! If they can take it electronically they can put it back electronically! They ripped me off!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Transunion # 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 In accordance with the Fair Credit Reporting act XXXX Account 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

In accordance with the Fair Credit reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Account No : 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 BANK XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 USC 1681 section 602 A Section 2 .

States I have a right to privacy 15 USC 1681 section 604 A Section 2 Also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containg any of the followering items of ingormation.any other adverse items of information other than records of conviction of crimes which antidotes the report by more than seven years.

15 USC 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 case to belived that the information is inaccurate
Product: Mortgage

My mortgage was sold from XXXX XXXX XXXX to Carrington Mortgage services in XXXX of 2015. I continued my monthly payments to Carrington starting XXXX 2015. Carrington states they raised my escrow payment beginning XXXX 2015. I never received any notice of this increase. They started not applying my payments in XXXX 2015 because it was not enough for the payment they had raised. They started charging me late fees and eventually reported late payments to credit bureaus. They did not call or send any correspondance regarding my payments ever. I found out after shopping for new hazard insurance and finding derogatory reports on my credit. They claim their actions are legit because they claim they sent me increase notice.
Product: Debt collection

Been receiving phone calls everyday on two lines since XX/XX/2021. Have only been receiving mailings which is acceptable but calling everyday sometimes twice a day if not more is harassment
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance {$1300.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$640.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$350.00} Open Date XX/XX/XXXX inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened a checking account with Suntrust Bank on XX/XX/XXXX with an opening deposit of ( I think ) {$100.00}. I never received a debit card. About 1 month later I received a letter apologizing for not sending a debit card and stating that an extra {$25.00} would be deposited to my account as a courtesy. I never received a debit card, never received more information from Suntrust, and could not open an online account without the card. 

XX/XX/XXXX I received a notice from Suntrust stating my account was overdrawn and that I owed {$7.00}. I had been charged a monthly fee of {$12.00} for 11 months. 

I called in on XX/XX/XXXX and was told that my account was now {$19.00} in arrears and that they could n't cancel the account unless I flew to a state with a physical branch and cancelled in person after paying what I owed. Finally they granted me credits for {$24.00} and said I needed to call again to have my account cancelled. 

I called on XX/XX/XXXX and spoke with a Supervisor named XXXX. XXXX stated that she could credit me an additional {$48.00} but that the system would n't allow her to credit me the full amount of my opening deposit. She said she would close my account the next day and I would receive a check for {$53.00} shortly. 

On XX/XX/XXXX I received a statement ( my first ) from Suntrust showing I was again assessed a {$12.00} fee on XX/XX/XXXX. 

On XX/XX/XXXX I called Suntrust again and was told my account was closed on XX/XX/XXXX after the fee was again assessed. There was no explanation for the processing delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan through one main financial around XXXX or XXXX. I was unable to pay it back in full and it did become deliquent, but it now shows in my credit report that I have multiple accounts through them with different amounts. It makes it appear that I have 6 or 7 different loans with them. Also it says my last payment was in XXXX and I'm sure it was in XXXX or XXXX. I am now paying this loan off and have an agreement that it will be paid off through a debt collector by XXXX of this year!
Product: Mortgage

On XXXX/XXXX/XXXX my XXXX at work. I could n't work any longer because I had difficulty standing & walking. The current mortgage & second mortgage that I still owe today are more than what they should currently be. The reason I say this is I have proof that the Insurance company ( Mortgage Protection Insurance ) I took out as backup in case I got hurt or fell sick would pick up my payments for five years. They were a big help to me as I am XXXX & can no longer be employed. My contacting you is this reason as follows. From the time of my being XXXX & not able to work the ( MPI ) paid directly to the first & second mortgage holders. On XXXX XXXX, XXXX said first mortgage balance bill was for {$72000.00} & second mortgage was {$8600.00}. Meanwhile I got a letter from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX stating that the money they paid in to date for the first mortgage was {$41000.00}. And the second mortgage paid to date from XXXX XXXX XXXX XXXX paid {$7700.00}. My question to you is this if the first mortgage from CitiFinance ( XXXX ) XXXX on XXXX/XXXX/XXXX balance of {$72000.00} - {$41000.00} from XXXX XXXX XXXX XXXX ( XXXX ) XXXX paid in to date, gives me a balance owed to CitiFinancial of {$31000.00}. CitiFinancial states I owe them {$67000.00}. The second XXXX the same thing, I owe CitiFinancial to which they sold the second mortgage to XXXX, {$8600.00} - {$7700.00} that XXXX XXXX XXXX XXXX paid in to date ( payments for 52 months & said bill from them state that I owe them to date, {$6700.00} & I, under the DRS care to prove this ) balance should be $ XXXX.Current balance for CitiFinancial billing XXXX for the first mortgage owed current {$67000.00} & second mortgage currently owed to XXXX {$6700.00}. Why do I owe these mortgage companies this much money when XXXX XXXX XXXX XXXX paid CitiFinancial {$41000.00} & XXXX XXXX {$7700.00}. My balance should be for CitiFinancial {$31000.00} & {$980.00} for XXXX..With my totals of all the money XXXX XXXX & XXXX XXXX XXXX XXXX accounts of {$32000.00}, I am being overcharged {$41000.00}. All interest charges during this duration was waved because Im XXXX. These companies applied payments from XXXX XXXX XXXX XXXX directly to their interest which should of reflected a whole lot more paid down each month & practly nothing put to principal. When they get this kind of money from the insurance company, why do they pocket everything & it only reflect the very little interest paid in & the bill never goes down.I have questioned them on this before & I could n't get a reasonable answer. I feel I have been ripped off. These people are not the greatest ones to communicate with. I 've had issues with them & their practices. Can you check on this for me. I am on a very limited budget being on XXXX & all. I was going to get a lawyer but I was told I should contact you first. I really need a miracle if you got XXXX for me please! thank you XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX Account was removed from reporting on my Equifax back in XXXX of 2021 for not reason. Although it was removed from Equifax and they refuse to provide a reason as to why, the only way the Equifax will restore reporting of the XXXX XXXX XXXX Account is to have XXXX  send them a reinsertion letter and updating the account information. I have tried for several months to get XXXX to do this yet the keep giving me the run around and repeatedly tell me that since Equifax removed the account, it's Equifax 's problem. This of course is not true since Equifax is telling me that the only way they'll start reporting the XXXXXXXX XXXX  XXXX XXXX account again is if XXXX submits a reinsertion letter. For nearly a year XXXX and Equifax has blamed the other for the account not reporting on my Equifax Credit Profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some accounts with Equifax in XXXX 2017. I received the investigation results dated XXXX XXXX 2017 yesterday and all of the disputed items were deleted. Some of the disputed items were no longer showing on my report as they had been previously removed.However when I checked my credit file this morning all of the disputed items that were deleted or removed were reinserted back onto my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i sent multiple letters regarding misleading/inaccurate and unauthorized items on my credit report. Til this day, nearly 45 days later i have not received a response. I feel like im being taken advantage of and ignored. Sec 611 ( a ) states failure to investigate within 30 days gives reason for removal. Its been 45 days and they should be deleted immediately. If these misleading items aren't deleted promptly i will be taking litigation. 

In my XXXX dispute i asked for proof of the alleged debt with proof of signature of me authorizing this debt. I have yet to receive a response I disputed inquires XXXX & XXXX by certified mail letter dated XXXX. I received a response stating that these items aren't on my Equifax profile. However these misleading/unauthorized items still show my Equifax credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Experian. I have successfully cancelled my membership, but their website makes it ridiculously difficult to do so. 

The link to cancel an account is buried within the help/support menu. Once clicking on that link, it took me to a page where it gave me information on 3 different plans. No clear link to cancel the membership. There's a tiny bit of text near the bottom that says " not interested in any of these? Contact us. '' After clicking on that link, a pop-up window appeared to contact them by phone or e-mail. I contacted them by phone and had to wait on hold for about 10 minutes. When I finally did get a person on the phone, I told her that all I wanted to do was cancel. She then began to belabor the process by convincing me to keep my membership active. 

Although I was finally able to cancel, this is an extremely poor business practice. I will never use their services again. They're supposed to be in the business of helping people get ahead financiallyinstead they make every effort to bleed you dry. Companies that make it very misleading and painfully inconvenient to cancel need to be held accountable.
Product: Credit card

Never open a XXXX credit card don't know anything about it identity theft. Identity theft leaks by major institutions have caused my information to be compromised delete from credit file. 

XX/XX/2023 date of opening XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account XXXX : XXXX
Product: Checking or savings account

I made a purchase from XXXX XXXX and attempted to return the entire order due to incorrect sizing. Despite my repeated requests, the company has engaged in unfair and deceptive return practices, making it excessively difficult to receive my full refund. 

Lack of Clear Return Process : I reached out multiple times beginning XX/XX/year>, requesting return instructions, but the company failed to provide clear guidance or respond in a timely manner. 

Unfair Return Policy : Despite XXXX XXXX having XXXX U.S. locationsa registered office in XXXX XXXX and a warehouse in XXXX, XXXXXXXXthey demanded I return the order to XXXX, significantly increasing my shipping costs and inconvenience. There is no legitimate reason to require an international return when they have domestic facilities. 

Partial Refund Deception : I originally paid over {$640.00}, but the company is only offering me {$220.00}, claiming some items were " custom-made '' despite no customization being requested. This appears to be a tactic to avoid issuing proper refunds. 

Attempts to Force Store Credit Instead of Refund : XXXX XXXX  repeatedly pushed store credit with bonus incentives instead of honoring a refund, despite my explicit refusal of store credit. 

Admission of U.S. Warehouse Returns : After significant pushback, the company acknowledged I could return the items to their U.S. warehouse. However, they continue to withhold my full refund without a valid reason.

Desired Resolution : A full refund of my purchase amount ( $ 640+ ) to my original payment method.

Written confirmation that I can return the items to their U.S. warehouse, as they previously admitted.

Accountability for their deceptive and unfair return practices to prevent other consumers from experiencing similar issues. 
I have email documentation proving my repeated requests, their delayed responses, their insistence on an international return, and their refusal to provide my full refund. I am seeking CFPB intervention to ensure fair consumer treatment.
Product: Credit card

I received an UNSOLICITED credit card from Wells Fargo Bank. That is ILLEGAL! 
I filed a complaint with CFPB, XX/XX/23, # XXXX. 

I requested that Wells Fargo notify me, IN WRITING that they DELETED my UNSOLICITED credit card account and removed all of my personal info from their system. 
So far, they refuse. The CFPB apparently does nothing. 
Now, I have received an email from Wells Fargo and it states they UPDATED my information! 
I did not request that they update my information, I requested that they DELETE the illegal, UNSOLICITED account they created in my name. 
It gets worse. the 'update ' includes a new address, not the address they sent the unsolicited credit card to. It is from an old address, in another state, from over 10 years ago, when I was unfortunate enough to have an auto loan with the criminals at Wells Fargo.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>