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

Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit card or prepaid card

In XXXX, my XXXX XXXX XXXX told me they provided a promotional interest-free discount with CareCredit for 6, 12, 18, or 24 months. I had previously only heard about the six-month promotion, which I was planning on, so I told them six months when I paid for the XXXX service costing roughly {$2700.00}. I wasnt thinking straight that day, so the next day I wondered why I wouldnt have chosen 24 months. 

Soon after, I called the XXXX XXXX, and they said they werent sure how to change it but that I should call CareCredit. I called CareCredit in late XXXX/XXXX XXXX and spoke with a supervisor there eventually who explained the process to me. He said the clinic can change the promotional period within 90 days of the original event. That was great -- I was only a few weeks after the original event, so I called the XXXX XXXX that day ; they instructed CareCredit that same day to change the promotional period to 24 months. I called back CareCredit, they said they had received the instructions from the XXXX XXXX and it would appear on my account within a few months. 

Fast forward to the XXXX statement, when it showed that my promotional period had expired and since I hadnt paid my balance in full, I was charged {$360.00} in deferred interest. I called CareCredit to dispute this, and they told me they werent sure why that had happened. The agent on the phone said they saw notes on my account from XXXX and XXXX that said I would get the 24-month promotional period. They said they would correct the error, remove all interest, and the corrections would appear on my account within a couple of billing cycles. 

Then, I recently received a letter from CareCredit notifying me that they would not be honoring the 24-month promotional period. 

I called CareCredit again today and asked why the 24-month promotional period wasnt being honored. Now, CareCredit claims they never received anything from the XXXX XXXX instructing them to change the promotional period. The supervisor today, however, did acknowledge at least that the XXXX XXXX notified CareCredit on XX/XX/2019, that they wanted to change the promotional date from six to 24 months. But CareCredit now claims the XXXX XXXX did not follow the proper process. 

CareCredit is the one who gave us instructions on how to change from six to 24 by  having the XXXX XXXX submit their intent. The XXXX XXXX did so, and CareCredit acknowledged receipt of those instructions on XX/XX/2019, and said they would honor the 24-month promotional period. Their position to not honor it at this point is without merit, and they are charging me for hundreds of dollars in interest expressly against the original agreement.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX - Account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Debt collection

I am receiving numerous calls requesting payment. On XX/XX/2024 I stated XXXX who was the caller that for me to feel comfortable making any payment I would need an itemized list showing charges to validate the charges are those of mine. I also requested the original creditors address. I have yet to receive this information. I am getting daily phone calls requesting payment and after trying to explain that I need more information before I make any payment. I now just hang up the phone. There are some days I get several calls throughout the day this is harassment on the collectors end. The notice I did receive in the mail had very vague information. Just the total amount owed, and name of the original creditors is listed. No address of og creditors not the itemized list of charges
Product: Credit reporting or other personal consumer reports

Santander Consumer reports my balance as the same for over a year since XXXX  and XXXX impacting my credit score. They refuse to report the correct amount balance and bring my account current. They are treating a repossession for an incorrect balance due. 
The loan apr is above the standard amount allowed in Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX, IL XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I initiated a dispute with Experian representative XXXX XXXX case # XXXX ) requesting an investigation into the XXXX XXXX XXXX account being reported inaccurately on my credit file. On XXXX I received an email notification from Experian informing me my dispute results were ready. Upon checking the dispute results, Experian had concluded the account was verified as accurate and elected to make no changes to the disputed account. I challenged Experian 's findings and requested in writing in a certified letter, their method of verification and an explanantion of how Experian 's investigation resulted in that conclusion. As per the XXXX, Experian had XXXX days to respond to my letter. As of XXXX I have not received a response from Experian re : their method of verification. Because Experian has not responded to my request for their method of verification, I do not believe a thorough investigation was conducted and the account in question was not actually verified. Per the XXXX, as a consumer I am entitled to all the information in my consumer files as well as the source of that information. Experian 's inaction and failure to comply with the XXXX is a direct violation of federal law and my consumer rights. With the assistance of the CFPB, I am requesting Experian provide me with the contact info of the person ( XXXX ) ( name, address, email, phone # ) who personally verified the disputed account Experian was supposed to be investigating. As stated in my written letter to Experian, I do not consent to XXXX verification and am requesting actual contact information of a real live person who Experian verified the account with.
Product: Debt collection

Best Service Company in collusion with XXXX XXXX XXXX XXXX XXXX XXXX is reporting a debt on my credit report that is not owed. I do not have and never had an account with these morons.
Product: Credit reporting or other personal consumer reports

Kay Jewelers have been falsely reporting that I owe them approximately {$4600.00}, since XX/XX/2023. I provided my personal receipts, and the receipts that the then manger gave me, from my payment history inside the store at the XXXX XXXX located in XXXX, FL. 
Additionally, Kay Jewelers have not properly credited all my payments from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit card. Nor was my over the phone payments to Kay Jewelers properly documented to my Kay Jewelers account, especially when Kay Jewelers credit card was initially rejected by Kay Jewelers inside the store for me to use to make a purchase several times. So, I used XXXX of the above mentioned cards to secure my purchase of jewelry items I wanted. Kay Jewelers also relocated the then XXXX XXXX manager outside the Florida to another state, after he verified with Kay Jewelers and Comenity bank, now taken over by Community that I had paid off all my purchases on the Kay Jewelers credit card with my bank statements. 
Since XXXX of 2023, Kay Jewelers have destroyed my credit rating, flagged my account, and used their influence to negatively effect my payment history with XXXX XXXX  as well to include XXXXXXXX XXXX  closing my XXXX XXXX XXXX XXXX XXXX XXXX so I have no other option but to use Kay Jewelers card for my purchases. I have had to put my house hunt on hold, as well as launching my business ; due to

Kay Jewelers falsely reporting Lies on my credit repot and history. kay Jewelers has also violated my civil rights by falsely reportin
g my credit report and causing me to overpay for items I have already paid for, and forcing me to pay interest and late fees on purchases already paid in full which took my credit rating from XXXX down to current rate of XXXX, based on their LIE. Kay Jewelers have violated my 1st, 4th, and 6th Amendment rights by continuing to report this LIE, making daily, relentless, and harassing phone calls to me, my friends, and family members, and discussing my financial information with people without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We closed our HSBC Platinum MasterCard credit card account on ( or shortly after ) XX/XX/XXXX. The card still had a balance at this time. Upon closing the account, we were forbidden from making payments online. However, no paper statements were ever mailed and no payment address was provided online. We repeatedly called and asked to be sent statements. 

On XX/XX/XXXX, we made a monthly payment over the phone and requested again to be sent a monthly statement ; in response, the statement for which he had just paid was sent, but no further statements were sent and no due dates or amounts due were ever provided. 

On XX/XX/XXXX, we were charged a {$25.00} late for failing to make a payment, even though we never received a bill and were not allowed to pay online. Our account, which previously carried 0 % interest until XX/XX/XXXX, is now incurring interest daily. Furthermore, our credit score is potentially damaged due to the late payment. 

All of this appears to be a deliberate attempt to extract fees and interest from customers by forcing them to miss payments on their account.
Product: Debt collection

IQ data international called me on XX/XX/XXXX and XXXX, XXXX, and told me that I owed them around XXXX dollars. On the phone call on XX/XX/XXXX and XXXX, XXXX, I requested to send me written documents about the debt to validate the debt and the agent refused it. They claimed that they have already sent me the written documents, but I didnot received it. I requested them to show me the proof to prove that they did send me mails or emails. They refused it. I requested them to send me again by mail, they also refused it. I don't have enough information to validate the debt and I also don't know their mailing address to send them a letter to request the information. And they also reported this debt to the credit bureau.
Product: Credit card or prepaid card

My credit card statement closing date XX/XX/XXXX indicated that I must pay the balance of {$1100.00} in full by XX/XX/XXXX to avoid paying accrued interest on a promotional plan. I called in the customer service center at XXXX on around XX/XX/XXXX to verify the amount payable prior to making the payment. The customer service representative confirmed that I needed to pay {$1100.00} to avoid interest charges. I submitted the request to process a payment in the amount of {$1100.00} on XX/XX/XXXX and the payment posted to my account on XX/XX/XXXX. I received my new statement on XX/XX/XXXX ; closing date XX/XX/XXXX. My promo plan charges were paid in full prior to the interest free expiration date. But I was still charged interest in the amount of {$400.00} on the promotional plan charges. I called customer service to dispute the finances charges and request a reversal. My request was denied advising that the finance charges are valid and my account will be reviewed in 30 days.
Product: Prepaid card

A few months go a received a {$100.00} XXXX gift card distributed by InComm Financial Services. The first time I I tried using the card I was told the card is invalid. I clled the number on the back and gave the representative all the information about the card. He said he can tell the card was invalid but did not know the reason why ( but he assumed it was not loaded properly ). I was given a control number - XXXX - and was told they will fix the issue in XXXX weeks but that I needed to send an e-mail with all the info. I did that, including the front and back of the card. After I waited and nothing happened I wrote to them again and they replied that they also need both the packaging and the receipt from where the card was bough or a journal entry showing the same. I replied that this was a gift card I received as a gift and I do not have the packaging nor the receipt as I am not the one I bought the card. So for the past XXXX  months I have been going back and forth on this subject - they ask for the same things over and over and I try to explain that I do not have those things because again, this was a gift card received as a gift. I believe I am just getting form letters as no one is attempting to fix the issue, and they are probably thinking I will just give up. I do not know if this is part of their business model, not paying customers for their invalid cards, making unreasonable requests and hoping they give up but from the way they're acting it seems like it is. I am attaching the front and back of the card as well as the last email I got from them ( the previous ones were similar to this ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the Equifax a dispute letter on XX/XX/2021, which included several accounts on my credit that were incorrect. They have not responded and today is XX/XX/2021.
Product: Debt collection

It starts with Solar XXXX XXXX. They initiated the process of selling me solar panels. They put them on my roof but never set it up properly. They won't fix it, employ unqualified people, and it's been several months. 
Mosaic is the loan company trying to charge me {$26000.00} for the loan while I haven't recieved what was promised. 
Mosaic has notified XXXX XXXX debt collectors that I haven't made any payments and will IMPACT MY CREDIT. On what planet is it okay to put a decoration on someone's roof for XXXX? Thats what the solar panels are if they aren't functional. I talked to the solar XXXX XXXX workers, I am not the only person. They said some people have been waiting 8+months for an install. 
This can not be allowed to continue. Solar XXXX XXXX and mosaic are scamming people that want to better the environment by switching to solar.
Product: Payday loan, title loan, or personal loan

I have been recieving threatening phone calls from these people. I was told if i didnt come up there and pay them they would call the police on me and i would go to jail. As of now my account has accrued interest because of their behavior. They have called me at my job everyday and sometimes even twice a day which i understand is against regulation. I am being bullied by these people and am in no position to resolve it because they said i cant come there or they will call the police on me. Im tired of being harassed them they are not trying to resolve the issue rather just argue
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and hacking. I recently was denied a checking account due to incorrect and false information from ChexSystems. I have disputed the information and supplied a police report and court Order stating I am a victim of identity theft. I need the fraudulent inquiries removed and deleted.
Product: Money transfer, virtual currency, or money service

I registered for the PayPal promotion at https : //www.paypal.com/us/webapps ... XXXX on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of 5-7 business days has now passed, and PayPal has not credited the reward. 

I contacted PayPal support, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of XX/XX/2020. 

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account. 

Here is the transcript of my conversation with Paypal regarding this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 # 's, XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXXl # XXXX, XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 604 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 sent a certified letter to XXXX XXXX XXXX on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. 

I waited 37 days to verify XXXX XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Experian stating that XXXX XXXX XXXX did not notify Experian about my dispute along with a copy of my initial dispute letter to XXXX XXXX XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Experian has disregarded my proof of XXXX XXXX XXXX 's violation of the law and refuses to remove this trade-line.