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

It appears that my credit file has been compromised. Again, I was going through my records & noticed the account 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 & block any accounts or information which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block this quickly. 

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

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXXXXXX Act. # XXXX, XXXX XXXX Act. # XXXX and XXXX XXXX Act. # 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 an account without my written instructions 15 U.S. Code 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 unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Debt collection

I wrote a letter dated XXXX/XXXX/15 requestiong confirmation that if I were to pay/settle a debt that they would delete it permanently from my credit file. I specifically stated " do not contact me by phone '', yet on XXXX/XXXX/15 my father received a phone call at the phone number listed above, which I assume is the only number they have. I no longer live there. The collector not only violated 3rd party disclosure laws by telling my father what she was calling about, but violated my request for no contact by phone.
Product: Debt collection

The company credit control corporation based in XXXX XXXX Virginia sent me a letter stating I owe a debt of {$430.00} as of XX/XX/year> to XXXX XXXX XXXX I know this to be false 1 ) because I haven't had a XXXX visit since XXXX and XXXX ) because XXXX does all payments through XXXX. I received this letter XX/XX/year> however didn't read the letter until very early morning XX/XX/year>. The letter has no information surrounding the claim other than that I owe it and that it's from XXXX XXXX XXXX. I checked reviews for this company and it seems common consensus that they give out false debts commonly and to be frank I believe this is a scam. I already plan on contacting XXXX themselves personally to figure out if there was a data leak recently because I got another scam recently from a company claiming to be XXXX. I don't believe XXXX is involved because their company alias is not XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I have had a  XXXX   Mileage Plus  credit card through Chase for 22 years. I am a model customer and I always pay my bills on time. I owe nothing other than the monthly charge each month.     The annual fee  XXXX  {$60.00} per year for 22 years,.     I was just notified by  Chase th at my annual fee will be increased to {$95.00} per year. That is an increase of more than 30 %. This is outrageous and should not be allowed.     The flimsy excuse they gave for doing this is to " standardize terms for cardmembers who have the same account. '' This is nonsense.     Please do not allow them to gouge good customers like me.     I am eager to hear what you have to say.     Best regards,  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified and unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I do not owe anybody any money. I think I am attempting to being scammed. There is no person to talk to, all I am allowed to do is push buttons and I am afraid to do that.
Product: Debt collection

I previously filed a complaint about this law firm due to their lack of proof. No written contract production, no proof of ownership, alleged debt past XXXX. They agreed to drop things. They then proceeded to sue me in my local court for the same matter. I live in XXXX  XXXX XXXX is based in Virginia. I still have zero proof of ownership of said debt. According to the information that the Ragan & Ragan submitted they are the owners. So how can they be the owners and also suing for the company that they purchased the debt from. I further state that the alleged debt has been re aged which is a clear violation. When was the fist delinquency? When was the last payment? 
The previous case number is XXXX
Product: Credit reporting or other personal consumer reports

There are inquiries on my account that were done without my authorization and consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to you to address a longstanding issue regarding my XXXX XXXX credit card account. To provide context, I have been a victim of identity theft, which has caused considerable distress and financial hardship. 

I discovered unauthorized activity on my XXXX XXXX credit card account. Upon further investigation, it became evident that I had fallen victim to identity theft, with the perpetrator racking up a substantial balance on the card. Unfortunately, by the time I became aware of the situation, the account had already been delinquent and eventually charged off.

In response to this egregious breach, I took immediate action to rectify the situation. I froze my credit reports with all major bureaus, filed a comprehensive identity theft report, and invested in credit monitoring services, among other precautionary measures. Despite my efforts, the delinquency status of the account continued to plague my credit report, causing significant distress and hindering my financial prospects.

Recognizing the urgency of the matter, I endeavored to dispute the erroneous charges and clear my name of any wrongdoing. Regrettably, my attempts were met with frustration and roadblocks at every turn. Despite successfully having the account removed from my credit report initially, it was later reinserted without just cause.

In pursuit of a resolution, I engaged in extensive correspondence with both XXXX XXXX and the credit bureaus. XXXX XXXX conducted an investigation into the matter and ultimately ruled in my favor, issuing a reimbursement check and providing assurances that the erroneous entry would be expunged from my credit report. However, despite their acknowledgment of the error, the account remains stubbornly entrenched on my report.

Conversely, when I liaise with the credit bureaus, I am met with a similar impasse. They insist that the responsibility lies with XXXX XXXX for failing to report accurate information, absolving themselves of any culpability in the matter. 

This cyclical exchange of blame has left me in a state of exasperation and financial uncertainty. I implore your intervention in resolving this protracted dispute, as it is adversely impacting my creditworthiness and overall financial well-being. 
Enclosed, please find documentation detailing the timeline of events, including dates, amounts, and actions taken by both myself and XXXX XXXX. I trust that with your assistance, we can bring about a swift and equitable resolution to this matter.
Product: Vehicle loan or lease

I got a loan through XXXX XXXX XXXX for a new bike spring of XX/XX/2017 the out the door cost was {$25000.00} they told me the interest was 7 % later on it changed to 19 % and at the end of the loan I would be paying over {$40000.00} for the bike Ive made my payments for the past year which where {$670.00} a month Ive asked XXXX to lower my interest rate because I previously had a bike through them that I payed off completely they refused I feel they put me in a loan that is outrageous and is made to put people in default and should not be allowed to write loans like that for motorcycles and I would like help getting my interest rate and loan amount lowered please
Product: Debt collection

This company will not stop contact me at work. I have asked on XXXX occasions not to receive calls at work, and they keep doing it.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX Account # 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 EXPERIAN XXXX XXXX XXXXl XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXE ACCT NUMBER XXXX XX/XX/XXXX {$370.00}, XXXX XXXX XXXX XX/XX/XXXX {$790.00} XXXX : XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX {$340.00} XX/XX/XXXX, XXXX XXXX XXXXXXXX {$230.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX ACCT {$340.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXX, XXXX XXXXI XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX bank XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXt XX/XX/XXXX, Ive reached out countless times to the bureaus, emails, calls, calling and speaking with XXXX different people and still no results.
Product: Debt collection

I, XXXX XXXX, am filing this report to document an incident of identity theft. On XX/XX/year>, I discovered an unauthorized XXXX XXXX XXXX account listed on my credit report. This account has been sent to a collection agency, XXXX XXXX, with an outstanding balance of approximately {$1300.00}. 

I did not open this XXXX XXXX XXXX account, nor did I authorize anyone to open an account on my behalf. I have never had any business dealings with XXXX XXXX XXXX that would result in this debt. I believe that my personal information was fraudulently used to establish this account without my knowledge or consent. 

I contacted the credit reporting agencies to dispute the charge as I had previously informed XXXX XXXX XXXX that I did not have any accounts with them when they contacted me regarding this matter. I did not receive any debt verification letter. Upon realizing the debt was on my credit report, I filed a police report as well.
Product: Credit reporting or other personal consumer reports

Hello, upon checking my credit report recently I can't help but notice that there's an inquiry that I don't recognize nor applied to, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Product: Student loan

I tried to inquire on different programs to help due to my income and situation and they told me there was no programs. I provided them with different examples that other providers had offered and they told me there was nothing that they offer. I inquired on why my payment was differed and not communicated with my. They had no answer. I asked them for this not to happen again and as it stands now, it's deferred still. I asked about any programs and denied. They demanded and informed me that legal actions would be taken if not resolved.
Product: Credit card

I lost my job in XXXX XXXX. I have a Best Buy Credit card debt and I started falling behind my monthly payments from XXXX XXXX. I had debt protection plan subscribed on the same credit card since the time I got this call. I asked Best Buy Credit card to take care of my unemployment situation and wave off or adjust the payments. I had approx. {$800.00} balance payments. BBCS asked me to show them an unemployment befit registration with PA state and the receipt of unemployment payments from them. Since I am XXXX in this country hence I told them I am not eleigibel to get those benefit and even if I try and get it then it will affect my XXXX. They were adamant and next thing they did is cancelled my debt protection and kept sending me bills with hefty APR and late fees. They even stopped talking to me, disabled my access to the online account and when I dial their customer service number it gets disconnected. I am still going under hardship. I have my mortgage payments, child support payments and other credit card debts stacked up. I have a XXXX county court order allowing me my support payment modification due to my loss of employment. If court verified my unemployment status then why the credit card company is not able to validate it? I am not sure why Best Buy is harassing me and not offering me the debt protection coverage. The amount due they are showing now is {$1500.00} to pay by XXXX XXXX, XXXX. My account # is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Capital One on XXXX19 to let them know they had reported an inaccuracy on my credit report. It was reported that I was a authorized user on an account and it was delinquent.The first time I called I spoke to a woman named XXXX who tried to help me but sometime during the call we got disconnected so I called back and talk to someone else who transferred me over to another department that supposedly handles these matters.I again spoke to another woman who said she could not find the account that I was speaking about so I ask her who I needed to speak to that could know about it or can help me find out why it was reported by Capital One on my credit report so I can resolve the matter. She then stated again that she could not find any open accounts with my name. So I then ask her if I could get a letter in writing stating that I had no active account with the company and she refused starting various company policies and reasons.She then said she could transfer my call to someone else who could help me with this matter.I was waiting on hold again for an additional 15 minutes and then got disconnected or hung up on once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Collection
Product: Mortgage

I asked the following : Has Wells Fargo ever sent me a certified letter when my loan was allegedly 120 days past due? If yes, please provide me with the copy of the letter. If no, please advise. 

They came back and said they would not respond to any more letters regarding the default letter. This is the first time I have ever asked about this letter. I sent this request to XXXX XXXX, CEO of Wells Fargo, and he had XXXX XXXX respond to the request. XXXX XXXX is located in the Escalations/Executive office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship Credit Acceptance has received years of payments and has not reported them. When I called they said they had no history of an account for me. However they continue to report derogatory information on my report. I am not sure where the money went so I stopped paying it but at this point I will like it to reflect my payment and remove the negative information. I have proof of payments also.
Product: Money transfer, virtual currency, or money service

We sent XXXX + XXXX ( transaction fee ) on XX/XX/XXXX at XXXX XXXX  and since we sent this transaction ; the company has not responded to our inquiry, customer service representatives place us on a very 45 minute hold and disconnect our calls. 

The agent where we sent the funds from has been very helpful and has called several times to get updates and refund details. We were told that the transaction was cancelled the next day by the payer in XXXX and since we processed this transaction on XX/XX/XXXX ; we have been unsuccessful in reaching an English speaking representative or getting our money back. 

We don't know who else to turn to as the agent can't return the money as Sigue 's online money transfer system has been offline since XX/XX/XXXX. We need your help and oversight to get our funds back from sigue for a problem they created and refused to help us. 

money was not available when promised transaction was mishandled customer service doesn't help to direct this complaint and refund We need our full payment with our fee provided along with any other remedial action deemed as appropriate as we sent the funds on XX/XX/XXXX and its been 15+ days and counting and status is the same Payment should be sent overnight in the form of a certified check, ( 3 ) they should be fined for refusing assistance ( 4 ) they should be fined to failing to communicate cancellation and lastly, fined for not giving our money back.
Product: Checking or savings account

I have had a checking account with Citibank for 20+ years and also had a CD with them for the last several years that I allowed to auto-renew each year. The Citibank web site and monthly statements shows the CD current balance and does not show anything is wrong with the CD account. 

Today ( XX/XX/ ) I contacted them by phone about stopping the auto-renewal of the CD at the next maturity date ( XX/XX/ ) and was told the CD account was in an inactive status because I had not initiated any transactions for several years, other than the auto-renew. 

My Citibank checking account, managed under the same username login as the CD and titled with the same single account owner as the CD is very active ( multiple transactions per month ) so marking the CD as inactive because I haven't made any transactions in that account doesn't make sense. You don't do deposits/withdrawals against a CD account and allowing it to renew on a yearly basis is normal behavior. 

Citibank is stating that they will turn the account over to my state as unclaimed funds unless I physically go down to a branch to fix the inactive status. Even though I had verified my identity through a series of questions over the phone they stated that they could not re-active my CD account unless I visited a branch in-person which is not reasonable. 

They have my email address as well as my mailing address and have not sent me any correspondence that this was a problem- it wasn't until I called and asked about this account that I was even made aware of the issue. Citibank 's web site and monthly printed statements show the CD balance without any indication there is a problem.
Product: Debt collection

I had been in dispute with XXXX mail service since XXXX XXXX. XXXX sent me several prescriptions with a total co-pay of XXXX. I promptly paid XXXX by check as well as XXXX using pharmaceutical vouchers/coupons. XXXX returned the coupons advising me that they did not accept them and requested I pay the balance of {$130.00}. I was surprised by this and contacted customer service to ask how I would have known they did not accept coupons, they stated I would have to call them to find this out. I stated that was unfair since I could have gone to the XXXX store down the street and gotten the medication and had the coupons accepted. Their failure to disclose their coupon policy put me at an unfair advantage. In XXXX XXXX, a customer service rep told me that I could go directly to the drug manufacturer for reimbursement which I did. I received {$55.00} from the manufacturer which I promptly remitted to XXXX. This left me with a balance of {$77.00}. I contacted customer service again to discuss how to dispose of the balance but had been playing phone tag. On XXXX XXXX, XXXX, XXXX processed a debit adjustment against my credit card on file without my permission to collect the remaining balance. I have attached the email correspondence where they assert that they had the right to charge my credit card without my permission.
Product: Mortgage

Freedom Mortgage requested for XXXX XXXX complete a Loan Modification package. The package was submitted early XXXX. I received mutiple phone calls daily requesting the same documentation that I previously submitted twice before. 

The customer service rep is telling me that the underwriter is stated these documents are missing however I have emails from Freedom that they have all the documents needed and I should hear from someone within a week.

A week later I am hearing from Freedom that they documents are previously sent are still missing.
Product: Vehicle loan or lease

Each time I dispute information on account, the company puts additional incorrect information on the credit profile. The last dispute was reporting the balance. Currently the entire loan balance is being charged off. The have received partial payment from the sale of the vehicle and the amount should be reduced. This is a direct violation of the FCRA.
Product: Credit card or prepaid card

I paid a down payment of {$300.00} for a trip that was cancelled due to the pandemic. Months ago the travel agency arranging the trip went out of business and I was told I wouldn't get my money back but my money should be covered under purchase protection by my chase card. 
Chase obtained an incorrect information and refused my refund. I managed to get in touch with the original owner of the company that went out of business who explained to me that Chase 's decision was incorrect ( please see emails attached ). To further prove my point - I was travelling with friends who ended up in the same situation as me and Chase was the ONLY card that refused a refund. 
Trying to communicate with them is like hitting a wall and they do everything possible to make this process difficult.