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

How are you doing? Why is it taken more than 60-90 days to respond to my student loan investigation? Listen, I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts? I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I have begged in the past this address XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Is not mine nor has it ever been An it's associated with. Credit acceptance account Please remove delete. Or what ever u got ta this XXXX
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report. 
Experian shows XXXX XXXX credit card as Negative. 
I have a XXXX balance. Paid in full on XX/XX/2022.
Product: Credit reporting

My credit report has information that is not mine. Social Security number ending in XXXX is not mine nor my Spouse 's Social Security number. My wife 's Social Security ends with XXXX, her name is XXXX XXXX, NOT XXXX. My wife 's D.O.B. is XX/XX/XXXX. We were married on XX/XX/XXXX. 

Also, we never resided at XXXX XXXX XXXX, XXXX, FL XXXXXXXXPlease remove " XXXX '' and her Social Security number ending in XXXX from my credit report. Please input my wife as XXXX and her last XXXX number of her Social Security # as XXXX. Please remove XXXX XXXX XXXX XXXX, FL as an address of mine. I never resided there. 

Please contact me directly should you have any questions at:XXXX, FL XXXX-XXXXThank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I wrote 3 times in 2 years time and called to get hung up on or told they are updating site and receive nothing. Absolutely nothing but a continue freeze on my report. I cant get cable from XXXX XXXX  or credit cards or mortgage or new car or insurance or anything because this corporation is a fraud and lying to federal government. They need to be shut down by congress.
Product: Credit reporting or other personal consumer reports

After talking by phone with company and getting run around filed complaint. I made a payment on same day to not have derogatory items sent to credit bureaus. Looked at credit report different than yesterday. BMO put a derogatory over limit usage after I spoke to supervisor and after I made an early payment to not be over limit. Bill is not due until XXXX XXXX. If I had not been keeping track would never had known. BMO is defrauding me and who know how many other consumers who use their services.
Product: Prepaid card

Have tried to use the pre paid American Express gift card online and at various merchants to ultimately get the card declined every single time. Upon doing research online, have found that this issue is quite common with many people who have been gifted or purchased the American Express Gift Card.
Product: Credit card or prepaid card

Received an email saying my phone number changed on a US Bank account, which I dont even have. Then the next day ( XX/XX/22 ) got an email from XXXX saying I had a new hard inquiry. I called US Bank and they said a XXXX XXXX credit card was opened but that they were closing it down. I called all three credit agencies and placed fraud alert on accounts.
Product: Credit reporting or other personal consumer reports

XXXXATLS/ASPIRE is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, XXXX XXXX XXXX XXXXATLS/ASPIRE does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Vehicle loan or lease

I recently returned a leased XXXX XXXX XXXX vehicle that I had financed through Chase Auto Finance. Although I am covered for 'excess wear and tear '' up to {$1000.00}, the inspection they performed claims I owe them {$1100.00} for excess wear and tear above the allowed amount. The vehicle, in reality, was in fine shape, was returned with almost 10K fewer miles than the contract allowed ( hence, more valuable for them ) and was quickly resold. Itemized charges include " Carpet Dirty = {$65.00} '', " Front Seat Dirty = {$65.00} '', " Back Seat Dirty = {$65.00} '' and many > {$100.00} charges for small scratches. There were some small scratches on the vehicle - I live in a city - but nothing a normal human would consider " excessive '' .The only legit " excessive wear and tear '' charges are for a dent on the front bumper, and a scratch on the back bumper, which should cost less than the allowed $ XXXX ( {$660.00}, according to their estimate ). This is attempted extortion, and I will refuse to be ripped off.
Product: Credit card or prepaid card

Sir, I dont have right now Amazon Store card. 03 months before I closed card & destroyed which card last # XXXX, because I disputed & you resolved problems Afterthat I never used card because closed & destroyed. 
Now recently Amazon send a bill for {$270.00} which is not purchased anything by me & I called request to CS to send proof Doc for item they fail & could not solved problems. So Please kindly asked them send proof of item purchased, This credit card Co. gave hard time & insults ignore my response. 
Pls kindly settle this unauthorized charge & demands me to paid {$270.00}. 
I will never pay because never buy anything.
Product: Debt collection

On XX/XX/XXXX, I sent a letter to XXXX ( XXXX XXXX XXXX XXXX ) in regards to providing me with information to validate the said account which is reporting on my credit report as {$8000.00}. The problem is the letter that was sent back to me in response to my letter stated I owed {$7100.00} and also shows a different account # than what is reporting on my credit report. The letter from XXXX also states that they verified the charges with their client and based on their research it is correct. How can it be correct when there is a {$940.00} discrepancy among the reporting on the credit report and the letter I received. An itemized statement was also sent stating that my move out date was XX/XX/13 when I moved out in XX/XX/2013 with a 60 day notice. Then on the itemized statement it states {$2200.00} for pre-termination charges but the charges are on there twice. From my understanding anything that is reported on my credit report needs to be accurate and varifiable and right now this account is not accurate nor verifiable.
Product: Credit card

On XX/XX/XXXX, I received a letter from Target Card Services contradicts a prior resolution shared with the CFPB on XX/XX/XXXX. See CFPB Complaint : XXXX for the original decision. 

After explaining that a return package ( Order ID : # XXXX ) was lost in transit, Target Card Services agreed to credit me {$240.00}. They incorrectly stated that theyd already credited me for the transaction, but have since discovered that that credit was tied to a separate order. 

After pointing out their error, their latest response ( sent via mailed letter ) states that Im responsible for the {$240.00} purchase with Target.com on XX/XX/XXXX. XXXX. We havent received a return of the merchandise for a refund. To start, I didnt mail my purchase to Target Card Services, I mailed it to Target.com a completely separate entity. I have an open loop Target RedCard XXXX, so Im wary that this issue hasnt been investigated neutrally. 

Secondly, the following response was documented on XX/XX/XXXX in CFPB Complaint XXXX in relation to my initial complaint about this issue : We received a correspondence forwarded to us by the Consumer Financial Protection Bureau XXXX We're sorry for any frustration you've experienced related to the disputed transaction on your RedCard account and for any disappointment with the service you received while trying to resolve your concerns. Our disputes team has investigated and accepted your claim. 

My initial complaint ( CFPB Complaint XXXX ) was issued due to Target.com using a zip code for my return label that didnt match the physical location of the facility that my items were mailed to. Ive stated that I was not offered the opportunity to create my own return label to mitigate any potential loss in transit. Target.com has also been unable to confirm that USPS is indeed responsible for the package loss - or why their return mailing label included a postal zip code thats in an entirely different county than the return destination address. 

As a customer, Ive done all I can to resolve the issue on my end, going as far as to initiate a search for the package with USPS. At minimum, my dispute should take into account the reason that I returned the item initially : I was mailed a damaged item that damaged box. This reason was reported to and documented by Target.com and I took all reasonable steps, as outlined by the merchant, to return the item in the manner it was delivered ( by mail ). 

To resolve this issue, Id like to be refunded for the purchase amount of the item {$240.00}, as outlined in the original resolution shared in writing and in CFPB response on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. XXXX, 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 XXXX
Product: Credit reporting or other personal consumer reports

My Credit report shows XXXX addresses connected to my name that I've never lived at. The company that reported this address was a result of identity theft. I filed several disputes about this to the credit agencies, and they all say they will continue to report this because the creditor reported this as being my address. I've never lived in XXXX XXXX in my life, and the only place in XXXX I've lived is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

I need all inquiries on my credit that were placed within the last XXXX  years REMOVED as my ssn was attached to several credit breaches And I need my XXXX XXXX XXXX loan status changed to PAID IN FULL, ON TIME and for the XXXX off " status on the account removed. I paid over XXXX on my XXXX XXXX XXXX on time, in full and EARLY. 

I also need the XXXX collections being reported on my credit REMOVED as they are also attached to accounts that don't belong to me, and that I've previously filed FTC identity theft reports about.
Product: Credit card

Wells Fargo has charged a total of {$290.00} in fees to my account since opening. This includes a late fee which was imposed when their system took over a week to post a payment which was made on time. 

They have also charged {$120.00} in cash advance fees and interest on a purchase made at the apple store. This is not a cash advance. 

It seems their business model depends on excessive, dishonest small fees. For consumers, it is not worth fighting {$20.00} here, {$40.00} there. The XXXX XXXX dollar fine in XXXX  was not sufficient. These fines are part of their business model ... if they can charge XXXX XXXX in erroneous fees, then a {$35.00} XXXX fine makes sense. I have never had these types of issues with other banks. I am washing my hands of wells fargo, but hope this report helps to hold them accountable.
Product: Credit card or prepaid card

I scheduled online payment of entire balance with a XXXX card held by Bank of America for the XXXX due date- as usual. 
When I received the next statement from B of A it showed that payment had not been received. 
I went back to their site and found that yes, it had the scheduled payment but mysteriously that payment had been cancelled 2 days before it was to be paid. 
This was very odd, I certainly did not cancel payment. 
I contacted my bank, XXXX XXXX, from where the payment was to be sent from and asked my personal banker to investigate it. Their response was " I was looking into the transaction, and it looks like the payment is setup to be deducted at Bank of Americas end. We dont show it being submitted for us. " This cancellation of payment ( that I did not cancel ) has cost me lates fees and interest that are not correct. 
I promptly filed a complaint with them sending the documentation of the payment being set up, email from my banker identifying that B of A seems to have caused the payment cancellation. 
So far from B of A I received a canned response letter about late fees and interest and another canned letter with a phone number that has a horrible phone tree that does not have an option to address the case number. 
It seems pretty clear that they are not going to investigate and correct this.
Product: Credit reporting or other personal consumer reports

XXXX has continued their predatory practice to include late payments, remarks, and negative history on my accounts across multiple credit reports/bureaus. After many attempts for XXXX and the reporting bureaus to fix the inaccurate reports I am still finding more or updated inaccuracies. After years of trying to repair the damage I found today they have still kept up this grotesque practice. 

My loans, like most, were transferred off of XXXX  to XXXX, and later XXXX, beginning in late XXXX. I have a welcome letter from XXXX  from XX/XX/2021. Somehow despite my accounts no longer being held by XXXX  for XXXX  months and in the middle of a FEDERAL STUDENT LOAN FOREBEARANCE, XXXX  is showing I missed payments over XXXX  days late, negative comments, and late payment histories of multiple missed payments. 

I demand XXXX  write a letter to each credit bureau apologizing and highly recommending me for any credit line. I also demand penalties be assessed to XXXX for fraud, providing knowingly false reports and documentation, and negligence. Finally, I demand they remove all of their reports/accounts/etc from my credit reports across all bureaus.
Product: Debt collection

Fraudulent cell phone number and account made at end of XXXX 2020. racked up my purportedly 1 phone account to the amount of {$600.00} for 3 months of cell phone service. talked to customer service numerous times over the past month or so and they agreed to cancel my debt and close the account due to fraud and then account had no phone tied to it or any data used in 3 months. now sequiem asset solutions is demanding payment for {$220.00}. The debt is not valid. And since my account is closed it shows all the cost of the phone on my current phone number and before this website was new working the app wasn't even working well and they were not able to show me that I owed any payments on my phone and I had made all these third party purchases.
Product: Mortgage

On XX/XX/2022, I was contacted via telephone by Ladera Lending of XXXX XXXX, CA regarding mortgage refinancing options. The agent took some general information about myself and the property in question. 

The agent asked if he could review some of my financial information which I agreed to. He did not request authorization to access my credit report. At no time during the conversation or my initial request for contact did I provide my social security number. When he asked if he could review some of my financial information I assumed it was the same information that lenders receive from the credit bureaus that help them market their products. That is general information such as general credit worthiness. It is not a person 's full credit report. 

While I was on the phone with the Ladera agent, I received notification from XXXX that Ladera had made a hard inquiry and received my full credit report. I did not authorize this hard inquiry. 

Since I did not disclose my social security number to Ladera, it appears that they fraudulently had my social security number in their possession and used it to access my full credit report without my authorization.
Product: Credit reporting or other personal consumer reports

I sent NOTORIZED affidavit to Trans Union and XXXX I have return receipts They never made CORRECTIONS to my address.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Seccin States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete the accounts below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Around the first of XXXX I filed a complaint against United Bank to what I describe as discrimination. I was trying to withdraw a large sum of money out of my account. An employee came over and started looking over the clerks shoulder and stopped her from giving me my money while checking to see if my deposit of days before was a good check although it had been cleared that day by the bank. They didnt address my complaint but sent a lie back saying the employee helps people to make sure they dont get scammed which had nothing to do with him refusing to give me my money because I was XXXX. Since then the bank has made it hard for me anyway they can. For the past month or longer I have had real problems managing my account because I cant get into it online. They keep giving me a security check about every time I try to log in from the same phone the same way. I called and was told it was no one I could talk to to stop this. At that time a supervisor fixed it so I could get in but the next day it was the same thing. I would choose to answer questions and then it would say it could not give me questions to answer ( this is what kept happening ) so my only choice was to receive a text after I give them the code on my phone on their page. I read it back to them on three occasions and it said it was the wrong code. This has cost me money, time and stress. It should be my choice of the level of security for my account to log in from my phone with every thing consistent. Their security is terrible where it should be with money being taken out of my account unlawfully more than once and by the same company.
Product: Debt collection

On XX/XX/2024, I submitted request for validation of debt and validation of the alleged contract which the debt collector supposedly owed which stated that I validated. The debt collector has not responded to my request.
Product: Credit reporting or other personal consumer reports

This is my second complaint on Esusu. 

From my First complaint submitted XX/XX/2023 Earlier in the year ( 2023 ) I got an email from the company that manages my apartment complex wed all be auto enrolled in Esusu a reporting entity which would report on our timely payment of rent. They sent instructions to opt out. I reached out three times. I was able to opt out the second call and ensured I had been removed from their system. Come XXXX their account came up on my report. I had been enrolled anyways and it impacted my credit both as a hard inquiry and my credit age. 

The issue now is they started reporting on my credit again as shown in my XXXX report. This supposedly after deleting all my information. I don't trust in Esusu 's competence to manage its users ( who where enrolled without their expressed consent ) and I'm desperately trying to ensure they delete my information and remove themselves from having any impact on my credit score. 

I want to be able to chose the financial services I use and not be forced into them and kept with them while they profit at my expense.