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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take XXXX  to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXXn cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XX/XX/XXXXnow. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX.
Product: Credit card

On XX/XX/23 I attempted to book a hotel room at XXXX XXXX in XXXX XXXX, Utah online. I thought I was on the XXXX website but was actually on a third party website. The room was supposed to cost approximately {$190.00} and that was the price I was shown at checkout. However, once the transaction went through, it showed that I was charged an additional {$100.00}. 

I immediately called the number on the receipt to dispute the charge. That is when I learned that I was dealing with a third party. The person on the phone said the additional {$100.00} was for fees that were listed in the fine print and said the transaction was non-refundable be ause the room was alrwady booked. I canceled the transaction anyway and then called the hotel to make sure the booking was cancelled. 

I called Chase, my bank and credit card company, to dispute the charge. I told them that I was charged a higher amount than what was shown to me. While it took a few days for Chase to act, they did suspend the charge and opened a dispute. However, on XX/XX/23, I received notice from Chase that they considered the transaction legitimate and I was responsible for paying it. 

I am filling this complaint with the CFPB because the transaction was clearly fraudulent. I was shown one price but charged another higher price. I acted immediately to attempt to cancel this charge and bring it to my bank 's attention. Chase did nothing to advocate for me or protect me and is now saying that I have to pay {$290.00}. I hope the CFPB can help.
Product: Debt collection

On XXXX XXXX I entered a XXXX store in XXXX XXXX XXXX NV and purchased an XXXX XXXX. The phone was going to be mailed to me at my residence. It was explained to me by the store employee that once I received the phone I could port my active XXXX phone number over to the phone and once I did that, new service would start as a XXXX customer. I received the phone, but never ported my existing number over. I had difficulty doing so and when I called XXXX to help me with this I received no help. In the meantime, a new number was issued to this phone by XXXX. I was not aware of this and did not consent to this. Apparently monthly billing was started immediately on this new number that I had no knowledge of nor did I give consent to. Months later, when I discovered a new number had been issued and billing charged I called XXXX to correct this. This was supposed to be corrected and I do not know why it wasn't. I offered to pay XXXX the amount due for the phone which was {$1100.00} This was for the actual phone amount and not the billing for a service I did not sign up for. The bill was sent to collection agency McCarthy, Burgess, and Wolfe.  After speaking to XXXX employee XXXX at XXXX XXXX on XX/XX/XXXX she agreed I should not have been charged for the extra charges and need to pay only the phone amount of {$1100.00}. She advised me to ask McCarthy, Burgess, and Wolf to open a dispute from the the time the service was opened to the time it was written off. She agreed that since there was no phone usage I should not have to pay for this. The reason she could not make this change herself is because my account had already been sent to McCarthy, Burgess, and Wolfe and they would then have to send it back to XXXX so XXXX could amend this. I called McCarthy, Burgess, and Wolfe on XX/XX/XXXX and left message with XXXX XXXX to do this. I was told a dispute would be opened and XXXX would be contacted. McCarthy, Burgess, and Wolfe have not done this and it has now been 28 days. I have also not received any form of communication from them since I asked a dispute to be opened. They promised an update would be sent. I spoke with XXXX XXXX today and they confirmed they have not received a dispute action from McCarthy, Burgess, and Wolfe. Further, McCarthy,  Burgess, and Wolfe employee XXXX XXXX told me if I paid a reduced agreed upon pay off amount on the phone I would then own the phone. This was not correct information. Upon confirmation with XXXX I was told after paying this amount of {$920.00} I would not own the phone and still would not be able to use it. 
In conclusion, McCarthy, Burgess, and Wolfe have refused to open a dispute on my behalf investigating this incorrect collection. I have a legal right for this to be done and so far they have refused. They have also stated false and misleading information to me in order to collect a debt.
Product: Debt collection

Contacted by XXXX XXXX, or XXXX XXXX and XXXX regarding an old credit card account. They left a message saying they would be filing legal action against me for an old charged off credit card debt with HSBC bank. Called them back and spoke to XXXX XXXX, who told me that I opened an account with XXXX XXXX XXXX Rewards Master card in XXXX, charged off in XXXX, and the last activity was in XXXX. The told me I owed XXXX on the credit card, and the total was over 2K with penalties, fees, and interest. He told me it was being reported to the credit bureau and would ruin my credit score. I have never had a card with this lender or bank. He provided some detailed information about my current credit history including current and past address. I was divorced in XXXX, so I thought maybe my ex wife took a card out in my name, which she has denied. They have called multiple times from an unknown number with a call back number of XXXX. To date, I have nothing showing on my credit report, or anything in writing. He attempted to have me pay off the XXXX in full and had the bank 's authorization to do so, he says.
Product: Checking or savings account

I am filing this complaint ( prepared with the help of an advocate, as I speak only  XXXX  ) because Chase Bank promised to refund me money that I lost as the result of fraudulent and unauthorized transactions on my Chase bank account, but never refunded the money. I am a very low-income,  XXXX  year-old   XXXX   XXXX  resident and single mother. Both my  XXXX  daughter and I receive   SSI  and  food stamps . At t he time of the fraud, my  XXXX  daughter received  SSI by direct  deposit into  a Chase accou nt in my name. All the money lost to fraud was from my  XXXX  daughters   SSI.       In around  XX/XX/XXXX , I received an account statement and saw transactions from early  XXXX  and onward that I did not recognize, including unauthorized debit card purchases, fraudulent check deposits, and unauthorized ATM withdrawals, along with ATM fees for the apparent unauthorized use of non-Chase ATMs. I never made any deposits into this account ; the only deposits were the   SSI  de posits made directly by the  Social Security Administration on b ehalf of my  XXXX  daughter. I made only occasional withdrawals to help me pay for my daughters care.     I disputed these transactions with Chase both by phone and in person. Chase closed my accounts, and told me that it would refund the money I had lost to the fraudulent transactions. This was in around  XXXX  and  XX/XX/XXXX . But then I did not hear anything back from Chase. When I followed up with Chase again in  XX/XX/XXXX , Chase said it was still investigating.     I have a letter dated  XX/XX/XXXX  from Chase stating that it would credit me {$930.00} for   XXXX   batch of debit card transactions that I had disput ed ( s ee attached ). I have another letter dated  XX/XX/XXXX   ( s ee attached ) from Chase stating that it would credit me another {$2400.00} for a  XXXX  batch of transactions, including the unauthorized ATM withdrawals, that I had disputed. However, to my knowledge I have never received the credi ts that Chase promised ( a  total of {$ 3300.00} ).      I also disputed   XXXX   fraudulent check deposits ( the checks bore forged signatures in my name ; see attached ) and a number of large, unauthorized ATM withdrawals that took place shortly after each of the  XXXX  fraudulent check deposits. I have letters from Chase acknowledging that the checks were fraudulent ( see attached ). As my transaction history shows, Chase also reversed the fraudulent check deposits by subtracting the amounts of the fraudulent check deposits from my account balance ( see attached ). However, to my knowledge Chase has never credited me for the unauthorized ATM withdrawals that followed each of the fraudulent check deposits.     Since Chase closed my account, I have received th e   SSI   c hecks on behalf of my  XXXX  daughter by mail, and must go to a  check casher to ca sh them.
Product: Credit card or prepaid card

Several accounts opened in my name, provided Police Report, FTC report, and affidavits, and provided the suspects information as possibility. Credit card company keeps coming back and stating it is my account when it is not my account. I have asked the credit agencies to look into this over and over for going on 2 years now, and they keep coming back with its my account. It is destroying my credit its the only negative accounts that are on my report, and they refuse to remove it. I need these accounts removed.
Product: Credit reporting or other personal consumer reports

I paid of my HELOC loan ( not closed the account paid of the balance ) on XX/XX/XXXX and XX/XX/XXXX. The intent was to pay off the balance and not close the HELOC line of credit. I was told to monitor the account to see if any charges show up and i can pay it off and i don't need to pay anything else. I was monitoring the account and i didn't see any charges on my account am attaching the statement balance for XXXX and XXXX. Suddenly they accessed me for a late charge in XXXX and reported credit bureau my account is past due which has impacted my credit score a lot. It has gone down from XXXX to XXXX. I contacted them but no one picks up the call left them a voice mail, sent them email no one responded back yet so am filing a compliant. 

Note : I paid off the balance on XX/XX/XXXX after I learnt that I had a balance due for {$100.00} and the statements never mentioned about any balance due Documents Attached : XXXX : Statement for XXXX XXXX : Statement for XXXXXXXX XXXX : Snapshot from my online Portal Please feel free to let me know if you need any other documentations
Product: Credit reporting, credit repair services, or other personal consumer reports

i have evidence that this reported late status was posted after a agreement to XXXX   balnce fraud documentationr
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

On XXXX XXXX XXXX  at about XXXX I purchased a vanilla visa gift card from XXXX XXXX I ended up paying {$40.00} plus the XXXX fee. When I tried to use the card there were scratch off numbers and no XXXX digits on the back. They sold me a bad card and scammed me. Now they expect me to wait up to XXXX  days while my bill is going to be charged a late fee because of this unethical practice where they scammed me. Can you please help me get my money back ASAP?
Product: Debt collection

Mailed letter on XXXX opting out of reporting for account dated XXXX XXXX in the amount of {$110.00}.
Product: Credit reporting or other personal consumer reports

To my complete shock, I discovered incorrect accounts on my credit report this evening, and I cant understand how this could have happened. I routinely check my credit report, and Ive never seen anything like this before. I refreshed my browser, hoping it was just a glitch, but the errors didnt go away. Im now requesting that the documents I submitted be carefully examined to avoid any future issues like this.
Product: Debt collection

I was notified that a debt that was incurred for personal family and household use- which i recently found out is an already prepaid item - had been charged off thus the company had been paid. I began received notices from XXXX companies stating that I owed them a debt - HOW DID THEY GET MY INFORMATION i never contracted with them, I never provided my information to them, I never gave my express permission for them to have my information. However, acting in honor, i requested information to prove the claim that i owed them anything and to prove that there had even been full disclosure and a meeting of the minds to create a contract - after 30 days of non response i sent them a cease and desist letter with a second opportunity for them to provide the info- they not only IGNORED MY REQUEST FOR INFORMATION but notified me that their response to my cease and desist notice was being sent through the United States Postal Service. Upon receipt of their certified mail response, it contained a threat - " notice of default and intent to accelerate and foreclose '' and " a notice of right to cure '' and were both manipulative and threatening and violates my rights under the consumer protection laws and violates Regulation Z. My affidavit and notice to cease and desist and request for debt validation and information request were never even addressed and no information was provided by them to prove their claim. They appear to be attempting to retaliate against me by asking them to abide by the law. They are trying to manipulate with to enter into a contract with them by manipulation and threats. I even went as far as to inform them that just in case this debt for personal household and family use were proven to be valid, I told them that all payments were being held in an escrow account so that they would know that I was acting in honor. They are still trying to contract with me even after i informed that I do not consent and rescind any known or unknown contracts that were not fully disclosed and agreed upon that may have been mistakenly or inadvertently established between us.
Product: Credit reporting or other personal consumer reports

Reported it to you guys did the investigation with XXXX and XXXX even though I sent them everything they need this is like the second time around contacting you guys the company apparently responded and said to delete the account and I called TransUnion today and they gave me nothing but the runaround and told me that it's not going to be deleted and didn't give me a reason why and I called TransUnion today and they told me the same thing so this account should be deleted it's still on my they're ignoring you guys can someone please contact these people thank you. Stating that these XXXX XXXX  should be removed from my credit report deleted.
Product: Student loan

I got a private student loan for my first and second year of college with Sun Trust Loans. my first year I took out XXXX with a fixed rate and my second I took out XXXX with a fixed rate. For my first loan I planned on paying the interest while in school. My payments started out pretty low and kept getting higher and higher when finally it got to {$370.00} in a month. This is something that I did not agree upon and was not in the payment plan in our contract. I kept calling and saying that I was in school and ca n't afford those payments and that was not agreed upon. After numerous calls and being late on payments, I am behind by 500 plus dollars. Finally I called again and a gentleman answered and had said that it was not on record that I was in school, so I was paying the payments that I should be paying when I am out of school. I have already payed them over 2,000 dollars in my second year of school. The man said that it would take 2 weeks to process, but I 'm still not sure if my payments will be lower. This has caused me fianancial stress and I have had to have XXXX jobs while being a XXXX XXXX XXXX. I had also a call by a debt collector and she made me give them my credit card number to make a XXXX dollar payment. Please I need advice or help to see if this is even okay for a loan company to do. Anything would help!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX ARE NOT FIXING AN EXISTING ISSUE WITH MY REPORTS. I KEEP DISPUTING A MEDICAL COLLECTIONS ACCOUNT THAT IS NOT MINE AND IS ALSO MEDICAL. MEDICAL ACCOUNTS AREN'T SUPPOSED TO BE REPORTED SINCE THE PANDEMIC. 

XXXX XXXX NEEDS TO BE REMOVED OFF OF MY REPORTS. MY SCORES DROPPED XXXX POINTS AND I AM TRYING TO BUY A HOME WHICH THAT RUINED MY CHANCES. THE ACCOUNT BELONGS TO A RELATIVE. 


DELETE!!!!! 

I AM ALSO A XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXXXXXX charge-off- Balance : {$280.00} XXXX XXXX XXXXXXXX XXXX charge-off- Balance : {$820.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiry : XXXX XXXX XXXX XXXX Personal Information : Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.
Product: Credit reporting

I recently disputed the accounts with both XXXX credit and XXXX billing due to the companies reporting on my credit XXXX. TransUnion, did not provide me with the dispute information that was returned by the creditors after the 30 days timeframe. After the allotted 30days to report info from these companies, TransUnion still allowed them to updated information to my credit. The beginning balances and account numbers are the same on each account, this is considered duplicate reporting. These companies have also, failed to provided my with documentation stating where the balance is coming from. This company has also, reported information multiple time within a month.
Product: Credit reporting or other personal consumer reports

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. 
It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX CAPITAL ONE BANK USA N A  Account Number : XXXX This is not mine. 

5. Identity ThefXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.