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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX 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 The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

has violated all my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen middle of XX/XX/XXXX. I was unaware that this had happened I have had not used or had any use for my credit until early XXXX. Upon viewing my report it was disclosedto me that multiple attem where made to obtaincreditin my name that I did not authorize. I have filed a police report, and placed appropriate freezes to my credit report and am now disputing after seeing the following companies accessed my credit without consent. 

XXXXXXXX XXXX XXXX  Capitol One Global Lend XXXX XXXX XXXX COAF Team XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been back and forth XXXX and Experian on this XXXX XXXX timeshare that has been canceled for over a year now. Also XXXX has been reluctant in sending me a proper letter stating that i no longer own a timeshare with them and that we don't owe them {$27000.00}. 

we ( myself and my wife ) were both victims of this XXXX timeshare. we were told and promised things that wasn't accurate back in XXXX of 2019 and after a very long back and forth the timeshare was finally canceled. 

Its almost 5 years and we just want this to end.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Pa XXXX showed up on my credit report but Ive never lived there and the only address is still XXXX XXXX XXXX XXXX and it should be the only address on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. Kindly remove the listed items from my file immediately. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whom It Concerns, I am writing to dispute an inquiry on my credit report from XXXX XXXXXXXX, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ). I am concerned that TransUnion did not conduct a proper investigation into this inquiry, and I am requesting its immediate removal from my credit report. 
As a consumer, I am protected under the following rights granted by the FCRA : 1. Right to Accurate Information : The FCRA ensures that information reported on my credit file is accurate and up-to-date. 
2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report. 
3. Right to Investigation : The FCRA requires credit reporting agencies to conduct a reasonable investigation upon receiving a dispute about any information on my credit report. 
4. Right to Fair Credit Reporting : I have the right to fair and unbiased treatment in matters related to my credit information. 
5. 
I firmly believe that TransUnion has not fulfilled its obligation to conduct a proper investigation into the XXXX XXXX inquiry, leading to inaccurate information on my credit report. I urgently request you to take immediate action and remove this inquiry to rectify the violation of my FCRA rights. 

Please provide written confirmation once the inquiry is removed from my credit report, along with any supporting documentation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received a debit card today XX/XX/2022 under my name that I never applied for from a company called Wisely. I attempted 3 phone calls to XXXX to see whats going on. Calls are going to XXXX and the customer service is asking for my social security which I am not providing them with. I gave them the debit card number and they are unable to provide me with any information. I went to their website mywisely.com and tried to recover the account. I cant recover the account because the email is set up to some outlook address that Ive never heard of. I need help to find out what is going on.
Product: Debt collection

Contacted by Credit Management LP by Mail. They said they were collecting debt for XXXX XXXX XXXX for {$250.00}. I checked my heath insurance claims and noticed there was a paid claim for a different amount so I disputed the charge. I received a 2nd letter saying that they verified with XXXX XXXX that the charges were accurate and I must pay them. I called my health insurance, BCBS, to double check they didnt have any claims I couldnt see and they did not. XXXX XXXX XXXX XXXX called XXXX XXXX with me to discuss the charges and we were then told to call XXXX XXXX and given their number to call. When we called them they asked for my name/DOA/address and last 4 of social to verify my account. I gave them the information and they said I had no charges and everything was paid in full. We then called XXXX XXXX back and they said I would have to dispute the charges again. I'm concerned that XXXX XXXX is not a legit debt collector and the number they provided for XXXX XXXX was also apart of their scam to get my personal information. Here are their phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2024, I disputed a transaction that was charged to my Discover Card for {$1500.00} payable to XXXX XXXX XXXX XXXX XXXX. On XX/XX/2024, I authorized a payment to this merchant in the amount of {$150.00}. This was a DONATION. I did not receive any goods or services for the amount paid. It was a contribution toward a stranger 's vet bill. When I realized I was charged {$1500.00} I first contacted the merchant. The merchant acknowledged my donation and said that donations were not refundable. They insist i donated {$1500.00}. I received no goods or services for this transaction. It was a donation. I initiated the dispute with Discover on XX/XX/XXXX. 
, Discover found in favor of the merchant, and on XX/XX/XXXX, I filed an appeal. 
I received an email saying the decision had already been made. However, Discover and the merchant have failed to provide me with any evidence that I approved {$1500.00}. I did NOT. This was a donation. It was a payment for another individual and was not intended to be payment in full. I did not approve {$1500.00}, I approved {$150.00}. 

Discover provided a copy of the receipt that the merchant provided them. It had no signature, and was a receipt that the merchant created for {$1500.00}. NOTHING showed that authorized {$1500.00}. 

This was a telephone transaction, so I had no evidentiary proof that i said {$150.00} and not {$1500.00}. The merchant also had no proof that i authorized {$1500.00} instead of {$150.00}. As their " proof '' the provided a receipt, that does not show my name, contain a signature, or have any proof of the dollar amount that was authorized, only the amount of the incorrect charge. 

Discover has refused to require the merchant prove that it was {$1500.00}. They told me that since I gave the credit card number to the merchant, it was between me and the merchant. In other words, the merchant could have charged me any dollar amount they chose with no proof or authorization. 

I am devastated by this financial loss and disgusted by how Discover has treated my dispute.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up complaint to ensure that, within the 15-day period, my credit reports will be updated, and the following accounts will be thoroughly removed from my credit history. As per the Fair Credit Reporting Act ( FCRA ) Section 605b, Credit Reporting Agencies are required to remove and block any items listed on an identity theft report : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Account Balance {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX Account Balance {$0.00}
Product: Payday loan, title loan, or personal loan

I applied and received the pay day loan last year around the end-middle of XXXX. I made payments and stayed in contact with my loan officer through it all. My previous loan officer left the company leaving me with someone new. This person does not call, she texts me. She texts me all day asking for a payment, I asked if there was anything I could do to get a pause or anything because of a sudden unemployment in the family that was a loss of {$30000.00} a year and extreme medical problems. I was in debt and bills kept on piling on me. I had a XXXX, was working 2 full time jobs and going to school to provide for my family & taking care of my sister and her child because of a dangerous situation that they were in. I didn't feel like my loan officer needed to know all of this, it was never any of their business but I felt like I had to provide proof that I XXXX  a XXXX  for them to believe that I wasn't just trying to get out of the loan .... My loan officer texted me today, and threatened to take my fianc and I to court. She also discusses my finances loan with me when I have no authorization to be told any of the information, other than being a reference number to call when he doesn't answer. These people are inhumane... I know they have a job but I know that there is a way to also help your customers instead of being insensitive. This loan officer also blamed her supervisor saying they are " on her back '' about my payments.
Product: Credit card

After staying at XXXX XXXX XXXX in XXXX in XXXX XXXX XXXX I was charged a bogus fee for smoking in the room for {$620.00}. I requested a chargeback on my Capital One Credit Card. I supplied lots of evidence of how and why I had not smoked in the room including proof I wasnt in the room at the time the alleged smoking occurred as well as pointing out inaccuracies in the log of my account from the hotel. This evidence clearly proves I was charged the fee without warrant. Capital One has decided that the fee is valid and has kept it on my account. They are refusing to assist me further. I am not responsible for smoking in the room and I will not be held accountable for something I did not do. The credit card company has failed to do its due diligence in investigating the situation and is therefore aiding the hotel in charging these bogus fees.
Product: Debt collection

First off this company has not proven that I owe any debt to them, I never signed any contract or agreed to pay AD ASTRA at any time. A TYPED name is not VERIFICATION that a contract was signed and agreed. If a contract was signed and agreed upon it was with a company other then Ad Astra. I am asking for information and signatures stating that I OWE AD Astra MONEY. I never signed any contracts with AD ASTRA I have no knowledge of them until recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Good morning, Back on XX/XX/XXXX I paid for a lawyer by the name of XXXX XXXX in XXXX Alabama in the amount of {$1000.00}. Court was on XX/XX/XXXX. I also paid on behalf of my XXXX, XXXX XXXX. XXXX XXXX did not represent XXXX the day of court, he did n't speak to the judge, he did n't present any evidence on XXXX behalf to help his case, and he did n't do anything he promised to do. We basically got to court and said to XXXX this judge seems like he is n't going to do anything for us. He then told XXXX to take a plea and we wo n't be going to trail. This lawyer took the money but did not do any work for it. The lawyer did n't go to the hospital to to get any evidence or take the case to trail for which we paid the {$1000.00} for. I then called the bank on that following Monday after I could not reach the lawyers office to get my refund. I filed the dispute, I was then given a provisional credit in the total amount. The bank says they send me two forms for me to complete regarding this dispute but I never received anything in the mail. I filed the disput on XX/XX/XXXX that following Monday after the court date and after not being able to get a hold of the lawyer. XX/XX/XXXX I  noticed that the credit was then reversed. In my mind I feel like my account was being montoried because the reversal happened as soon as my refund check from college was taken. I filed again on XX/XX/XXXX, I did n't receive anything in the mail so I got concerned and called the bank to find that my dispute was denied again due to the timing. I still have not received anything in the mail!!!! I feel that the bank prolonged my dispute so that I ca n't do anything about it and it 's unfair to me because if I 'm the customer and I say I have not received anything in the mail regarding my dispute of {$1000.00} I would n't lie. I 'm a single mother of XXXX now. This matter is very important to me and my small family. I would n't receive something in the mail from my bank and not respond in a timely manner regarding this much of an amount. I filed a dispute again today XX/XX/XXXX and I have also requested to speak to a manager, I was told that I will get a call back. The bank should have contacted me if I could not be contacted through the mail. I have my email on file and also my phone number. When money is not in my account after losing my job the bank called me almost every other day!! When my account was in the negative the bank called me but never brought up the fact that I did not turn in any of my forms for my dispute case! Now the bank is saying they do n't call or monitor accounts to be able to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard pull on my credit report showing on Equifax " only '' that was done on XX/XX/2021. It shows XXXX XXXX. This was not me applying for new credit. Ironically, I already have a card with XXXX XXXX XXXX and have more than enough available credit on that card. I spoke to XXXX XXXX XXXX XXXX ( both the fraud department and new credit applications department ) and was told someone applied for new credit on XX/XX/2021 and it was determined to be fraudulent. New credit was denied. They also said they have sent notifications to the credit bureaus stating this was fraudulent and it should have been removed. As it doesn't show on other credit bureau reports, this would appear to be the case ( currently staring at the XXXX report ). I now have fraud alerts with all credit bureaus in case this happens again. I have spoken to Equifax and was told they have not received information from XXXX XXXX card services. I also disputed this hard pull with Equifax which did not solve the problem. Equifax continues to state they haven't received the fraud info from XXXX XXXX and XXXX XXXX says they sent out the info. Somebody is not telling the truth here and I just want this resolved and removed from my credit report. One hard pull would normally not be a huge deal. However, I'm currently trying to refinance my home. A new application for credit when you are trying to refinance a house is a big red flag to mortgage companies. I need this fixed ASAP.
Product: Credit card or prepaid card

Its been more than a month fighting with Bank of America regarding unathorized charges on my account and the treatment of bank of america towards those who are in a weak state while XXXX amd XXXX. It is a fact that those who views when you to use prepaid cards in that position are already in financial distress and it's appalling the Bank of America would take advantage of that and not honoring standard industry minums regarding provisional credit. 

An answer to my prayer complaint filed with the cfpb Bank of America in retaliation denying every single claim I had made in that group
Product: Credit card

FNBO has been repeatedly calling and harassing me sometimes several times a day. I have counted 10 calls from various areas in the country since WEDNESDAY. Normally I make my payments on time, but I am going through a medical crisis/family emergency right now and I want FNBO to STOP harassing me. I intend to catch up my account soon and pay the remaining balance off. Its absolutely unacceptable the amount of calls I have gotten from this company ( and emails ) in less than a weeks time and the legal limit is 7 calls per week.