23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Equifax had a data breach and information was given to unknown parties. The breach occurred in XXXX. As a reporting company it should hold maintain better security for all data stored on its servers. My credit has been greatly affected by this. I have not been able to purchase a home or automobile.
Product: Credit card or prepaid card

In XX/XX/XXXX, I received a letter of First National Bank mentioning that I have a credit card of XXXX $ on my name BUT I never contracted this transaction. So someone used my personal informations. The period of which this transaction was contracted, I was not even in the USA, I was in XXXX. I haven't signed up for this transaction. 

I called this bank, I asked them to block this card which never been in my possession. And then I did an offense report ( XX/XX/XXXX ) at police department.
Product: Debt collection

Portfolio Recovery Associates sued me in XXXX of XXXX for a time barred debt on behalf of XXXX XXXX. I contacted the company. They wanted the entire amount which was around {$3500.00}. They claimed that I made a payment on it back in XXXX XXXX. I went to court and took my bank statements showing that I never made a payment. I even had a statement showing when the last payment was made. The debt was already time barred as it had been XXXX XXXX years since the last payment. The judge ruled in my favor and threw out their claim. I am now receiving phone calls from the same company, but this time out of XXXX instead of XXXX XXXX where it originally started.
Product: Payday loan, title loan, or personal loan

I was involved with a payday loan from ace cash express that I couldnt pay back. Ace cash express called me and threatened to find someone from their location services team to locate me and serve me court papers. When I tried to get information about the papers they wanted to serve me they said they only communicated with them via email and their is nothing they can give me. Ace cash express also told me they will continue calling my job or family members until this is resolved.
Product: Credit card or prepaid card

I did not know, my fault, that they charge late fee for not paying the full payment. 

Payment Due Date XX/XX/XXXX Minimum Payment Due {$29.00} Payments - {$25.00} Amount Past Due {$4.00} XX/XX/XXXX LATE FEE {$15.00} ** Payment Due Date XX/XX/XXXX Minimum Payment Due {$33.00} Payments - {$25.00} Amount Past Due {$8.00} XX/XX/XXXX LATE FEE {$33.00} ** Payment Due Date XX/XX/XXXX Minimum Payment Due {$44.00} XX/XX/XXXX LATE FEE {$40.00} XX/XX/XXXX Return - {$32.00} XXXX Payments - {$25.00} Their late fees have risen unbelievably.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

They did not provide a contract that I signed with national credit adjusters the only contract they provided was with another lender. The contract they provided has been charged off through XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I sent in documents for 2 accounts that were opened fraudulently in my name to be removed from my report, the accounts are ( XXXX XXXX XXXX XXXX ) XXXX and XXXX. I have already spoken directly with the original creditor but the collection agencies showed proof that I was a victim of identity theft ( I have a fraud alert on my account ) are refusing to remove these accounts from my report. I also have an account with whom the original creditor cancelled their contract and still reported the account negatively, the account is ( XXXX XXXX ) XXXX. And the last account ( XXXX XXXX XXXX ) city of XXXX ... was paid in full and I sent a copy of my XXXX account balance but the collection agency refuses to remove the account from my report. These accounts have all been rectified but the creditors are refusing to update my information.
Product: Checking or savings account

So I have 2 checking accounts with Bank Of America. Bank Of America toke money out of one of my checking accounts and placed it into my other checking account without my permission. They then said they will not give me my money back.
Product: Credit reporting or other personal consumer reports

I have sent several letters to XXXX, XXXX, and XXXX on XX/XX/year>, XX/XX/year>, and XX/XX/year> advising that the hard inquiries as well as other accounts on my credit report were false and or incorrect. I have been affected by several global data breaches and simply never authorized any of the hard inquiries on may credit report as well as the presence of illegal collection accounts on my credit report. Each reporting agency has not provided proof of the validity of these accounts in the legal time frame provided. As a result, they are in direct violation of Section 604 of the Fair Credit Reporting Act ( 15 USC 1681 ).

As a result, these items that are negatively affecting my credit should be removed. I have request that each agency verify the accuracy of the information contained in my credit report, especially the legitimacy of the data or the entities that have accessed my credit information and that has not been done in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$9200.00}
Product: Mortgage

In 2010, I declared bankruptcy. My mortgage with Wells Fargo was withheld from the bankruptcy through a relief of stay ( the mortgage could n't be discharged anyway because it was a secured debt ). After the bankruptcy closed, I refinanced the mortgage with Wells Fargo ( using the Home Affordable Modification Program ). I have been making regular, on-time payments since I refinanced. I have my mortgage statements from Wells Fargo showing this. Also, the loan number on my refinanced mortgage is identical to the loan number of my mortgage before I declared bankruptcy. 
However, Wells Fargo is reporting to the credit reporting agencies that my mortgage was discharged in the bankruptcy, and they are not reporting the refinanced mortgage. That means my credit reports show a discharged mortgage and no current mortgage. 
When I discovered this a few years ago, I called Wells Fargo ( twice ) and asked them to correct this reporting error. They refused. 
Last year, I sent packets of printouts and information to the credit reporting agencies to see if they would resolve this, but they only put a note that I disputed the report of the discharge. 
Loan number information : Original mortgage loan number before bankruptcy : XXXX Original mortgage loan number being reported to credit reporting agencies as " discharged in bankruptcy '' : XXXX XXXX Current refinanced mortgage loan number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribed with Experian and after 1 month I ccancelled my subscription. They keep charging against the credit card I initially provided them. I have tried repeatedly to contact them but I am kept on hold over an hour and a half with no response. No ability to leave a message or callback. I have tried online unsuccessfully and the same thing of unheard of no response phone wait. I want my subscription with EXPERIAN cancelled immediately and my credit card refunded each monthly fee other than the 1 month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15 USC 1681. 
Account name, XXXX XXXX # XXXX Account name, XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section 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 more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several documents showing the credit bureaus that the following accounts were deleted from my credit report from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX- listed before as XXXX XXXX XXXX XXXX/XXXX ( XXXX ) -this company notified all credit bureau informing them of fraudulent charges XXXX XXXX Accounts- Unauthorized signature on Loans from XXXX XXXX University and XXXX XXXX XXXX XXXX- I have one account not ten XXXX XXXXl accounts were sent to collections violating HIPPA. 

The accounts were added back to credit reports. This has stopped me from becoming a home owner. 
Please investigate this matter because I have requested the original documents with signature but the credit bureaus are refusing to provide this information. I feel this is discriminatory and bias. No one should have to send documents on top of documents and the information is still on the credit report. In addition to this, I am told to contact the creditors for documents. Why is this? A consumer reporting agency suppose to provide that information. According to Section 609 ( Every consumer reporting agency shall, upon request, and subject clearly and accurately disclose to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

I settled an XXXX XXXX XXXX debt with XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$350.00}. XXXX XXXX XXXX accepted the {$350.00} payment on XX/XX/XXXX ; however, they refuse to acknowledge the settlement. They sent the remaining balance to a new collection agency named XXXX XXXX in XX/XX/XXXX. I disputed with XXXX and sent them a copy of the settlement agreement, so they didn't collect any longer. XXXX XXXX XXXX sent this to a new collection agency in XX/XX/XXXX which resulted in another collection account on my credit report XXXX XXXX causing my score to drop 40 points for a debt I settled over a year ago. I've made numerous attempts to XXXX and XXXX XXXX XXXX over the past year without luck. XXXX says it's XXXX XXXX XXXX 's fault and XXXX XXXX XXXX says it's XXXX 's fault. They each point fingers at each other and no one will take ownership to help resolve. Additionally, XXXX XXXX XXXX complaint and dispute department refuse to provide an email, fax, or address to send proof of the settlement or to make a complaint. The last two managers I spoke with were XXXX employee ID XXXX and XXXX XXXX. I've attached a copy of a reproduced settlement letter from XXXX XXXX they resent to me XX/XX/XXXX from the XXXX settlement and a copy of my bank statement on pages 2 and 5 of 10 will show this amount coming out of my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX AF - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
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! 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've contacted the original creditor ( XXXX XXXX ) and all XXXX credit bureaus Transunion, XXXX, and XXXX about inaccurate information that they're continuing to report on my credit reports. 
Please Verify and Validate all data for the account, every notation, dates and balances whether reported or not. 
I've been ignored and is in violation of my consumer rights according to the FCRA. 
This account needs to be removed immediately ( Account number XXXX ) creditor is XXXX XXXX. 
All 3 credit bureaus are reporting incorrect dates of when the account was opened, and the amount owed. 
I would like to be provided with proof of where and when the vehicle was RESOLD and the amount it was sold for. According to FRC section ( 609 ) if you have no proof of any one, I would like it removed immediately. I would like an update mailed to me immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

CAPITAL ONE
01/20/2024, 03/20/2023	

CAPITAL ONE VIA DEALER
10/21/2023	

FIRST PREMIER BANK
05/18/2023	

FOURSIGHT CAPITAL LLC
01/09/2023	

FLAGSHIP CREDIT ACCEPTANC
01/09/2023	

CAPITAL ONE VIA DEALER
01/09/2023	

NCCJACKSONVILLE CDJR ATL
01/09/2023	

JAGUAR LAND ROVER JA via NCCJAGUAR LR JACKSON
01/05/2023
Product: Credit card or prepaid card

I am deeply concerned about XXXX XXXX and Bank of America trying to coerce legally operated businesses to change their business model and services to support the recent attacks on the 2md Amendment. Specifically, as long as the businesses in question are performing in a legal fashion, their lending and credit policies should apply equally to all businesses and not single out a specific class like firearm, ammunition, and accessory manufacturers. This attack on a specific class oon business is unacceptable.
Product: Credit card

America Express has falsely advertised ( and continue to currently falsely advertise ) that if I as a holder of two different American Express XXXX cards ( XXXX XXXX and XXXX XXXX ) will receive XXXX XXXX XXXX if I refer a friend that is approved and opens an account. 

Over 15 months ago, on XX/XX/XXXX at XXXX XXXX XXXX I logged into my American Express Account and referred my friend XXXX XXXX to get a XXXX American Express XXXX card to her email address. 

On XX/XX/XXXX at XXXX XXXX, my friend XXXX received an email from American Express from their email address XXXX to her at the email address I referred. This email specifically states that I referred her and both she and I would get XXXX miles if she applies and as approved. Furthermore, this same email also specifically states that if she decided to choose a different XXXX American Express Card from their selection, we would still both be rewarded. 

My friend completed this, and has now had her card for over 15 months since and counting. She received her original promotional bonus, yet I have yet to receive a single mile for referring her, and it is now over a 15 months later. 

I called American Express twice about this ( XX/XX/XXXX and XX/XX/XXXX ), and have never heard back. The rep I spoke with from American Express tonight, XXXX, did not even ask me the date, her name nor any other info. He just said American Express is not showing I ever referred someone. 

This was strange as the original person I reported this to two months ago on XX/XX/XXXX asked me my friends name, email address, and date so they could research and see what the plan was then and get the referral miles to me. 

To date I have received nothing for this referral. XXXX then told me to wait at least a week and call back. That is not acceptable. American Express at this point should be proactively reaching out to me in regards to their false advertising that has been on their website every day for the entire 22+ years I have had my own Am Ex Cards. 

I have a copy of the original email American Express sent to XXXX on XX/XX/XXXX, as she sent it forward to me. 

This is a gigantic scam by one of the largest credit card companies in the world, and should not be tolerated. 

At this point, I believe I should be given at least double the original mileage amount I was originally promised to make up for this disturbing attempt of American Express to not honor their agreement with me. 

I can only imagine how many thousands of other card holders they have scammed out of miles as well, as to date, this referral plan is on their website. 

I am happy to provide any of my account info, my XXXX number, as well the as original referral email American Express sent to my friend on XXXX.
Product: Debt collection

Reposed my personal vehicle with no ownership to the car. 

I purchased my car from U

S Auto sales. US Auto sales sold the car to West lake portfolio. 

I then refinanced the car with XXXX XXXX XXXX XXXX So XXXX XXXX XXXX XXXX  owns the car till I pay it off but Westlake refuses to send the title over to XXXX XXXX XXXX XXXX 

West lake portfolio claims that I owe them money for a medical bill never heard of them or had dealing with them. I refuse to pay the medical bill they took my car
Product: Credit reporting or other personal consumer reports

XXXX Acct # XXXX has violated my rights with accordance to 15USC 1681 Section 602 States I have the right to privacy.

Also 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Section 15 USC 1666B States a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/21 to have the address XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX deleted due to the fact that this is not my address. It was not removed. I then sent Experian a certified letter on XX/XX/21 asking for it to be deleted and I got no response, and it was not deleted. This information needs to be deleted as it is not my address. 

Cert mail tracking : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My wife and I opened an Everyday Checking using the their website as new customer to get a {$200.00} bonus. We met all the requirements and they still haven't deposited the bonus. I called 2 times explaining the situation and they told me they would resolve it and give me a call back at today XXXX XXXX at XXXX XXXX  EST to let me know this was resolved. I have yet to get any contact back from them and I'm very frustrated as this in my opinion is fraud and false advertising. To top it all off the system has been down from from XXXX XXXX EST this morning until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I hired a credit repair company to help me remove some things of my credit report from all three credit agencys in which they did help but, I have one of {$600.00} that 's keep coming back after it was removed a couple time but reappear. I sent letters every 90 days and still nothing