23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My sister used my personal information to open multiple credit cards, one was a Discover credit card. I had no idea she opened this card until she passed away on XX/XX/XXXX, she opened the account with my information but used her address. I contact Discover as soon as I found out and I believed that it was taken care of since I completed an affidavit of identity theft. 

On XX/XX/XXXX I went to a financial counselor to get assistance with this situation and when we looked at my credit report it shows that she had opened this account in XX/XX/XXXX, at that time I was living in the XXXX XXXX. I had no idea since I never checked my credit report. On the credit report it looks like my sister was using and paying the card on a monthly basis up until her passing in XX/XX/XXXX, the card was later closed in XX/XX/XXXX. Recently I applied for a credit card at XXXX and was denied due to this fraudulent account reporting on my credit report. 

That same day I contacted Discover and they gave me the credit bureau management department address for me to mail a letter explaining what happened and requesting for the account to be removed from my reports as it is negatively affecting my credit. I have yet to hear back from discover.
Product: Credit card or prepaid card

I purchased a couch at XXXX XXXX back at the end of XX/XX/XXXX for a new office I was furnishing. I found some nicely priced sofas at a local XXXX XXXX. I shopped for the product I wanted and the time of purchase I was offered a XXXX XXXX credit card. I was approved, and used the credit to help fund the purchase of the couch. I was n't explained anything regarding special promotional rates or guidelines by the sales employee who sold me the couch. 

Fast forward seven months, the company is now claiming they had a 6 month promotional rate on the couch for 0 % interest, and that it was made aware to me on my most recent statements that the promo period was ending. Apparently, if I did n't pay the couch off in the 6 months I was going to owe all the interest for the first 6 months ( {$69.00} ), and then whatever else accrues on any remaining open balance I had on the card. 

They charged me {$69.00} on XX/XX/XXXX, and on the XX/XX/XXXX with no warning or clear explanation. After I applied for the card at the store, I waited for the card and statements in the mail for what felt like over 60 days. I grew suspicious due to the long wait and getting nothing in the mail. I decided to call customer service and ask the customer rep. to check our address on file and see if they can send us a card finally. They reissued the card, and despite the error on their part, they would not refund me more then {$15.00} of 1 fee. The total amount I was charged for both fees was {$64.00}, and it was there error because I had not received my statements. 

When I tried to speak to them on the phone when I discovered the had charge my account the finance fee that I disagreed with they said it was to late to change anything. 

I asked them if they had receive my scheduled payment that I placed online for {$100.00} for XX/XX/XXXX but she said nothing was scheduled in the system and I was to receive a late fee for this as well. I was  shocked because even the rep verified she could see the logins on my account on the dates prior to  the bill due date, but did not show any record of the scheduled payment I attempted to submit through their online portal. I tried to explain that their systems must have had an error because I even had it jotted down that I scheduled a {$100.00} payment on my upcoming bill excel sheet. 

With so many problems, I just had it, so I asked to speak to a supervisor who also was unable to help me. I offered to make the immediate payment in full that would have been due back on XX/XX/XXXX to  have received no interest payments. They said it was too late and would n't accept my explanations to reverse the outcome of the interest or fees. I tried explaining that the web portal does not show that the promotional period was ending without clicking into the statement. You have to view the statement in order to view the message. And like so many, I did n't view the details of the statements when logged in. I would just setup payments, and then log off.
Product: Credit card

I was served by JP Morgan Chase for a credit card that XXXX XXXX XXXX is working on for me with them. The part that caused me to create this formal complaint is not that I was served, but that the person serving me had all my documents, judgement and my credit card statements with my account number, name, and address. The privacy needs to be handled better on JP Morgan Chase 's side. All my personal information was on those statements that were not protected and clearly visible to the person handling the serve.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear credit bureau, I just received my investigation results. Report # XXXX and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX  consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Experian penalizing me 15 points on my FICO score without cause. On or about XX/XX/2021, I received a 2 point boost to my FICO score, giving me a FICO of XXXX. Tonight, I was on Experian Chat asking if I can disconnect select accounts from Boost because I did not want Experian monitoring my checking and savings debits and credits, but I wanted Boost to continue to use my Line of Credit and Credit Card information for my FICO score. The Experian Chat representive advised me to use the disconnect feature and I would be able to select the accounts I wanted to disconnect. This was not true and it disconnected all of my accounts from Boost. Within a matter of minutes, I reconnected my accounts to Boost. In that short 10 minutes, Experian lowered my FICO score by 15 points for simply disconnecting my self-reported accounts from Boost. When I reconnected just a few minutes later, Boost gave me 2 points back, for a net loss of 13 points. The " What's Changed '' feature of the Experian website listed 7 things that changed from the last FICO score change ( XXXX points ) on XX/XX/XXXX until tonight when it dropped by 15 points to XXXX points. 6 of those 7 items that changes were all positive due to lower debt and closed accounts. Only 1 item was " potentially harmful '' to my FICO and that was a new charge of {$380.00} on a credit card that had a zero balance. So, the only thing about my credit worthiness that changed was all for the positive, yet I was penalized 15 points for choosing not to use an optional feature. This arbitrary decrease of my FICO score is affecting my ability to access credit at the " Excellent '' interests rates and has now dropped me down to the " Very Good '' rating for interest rates. Experian should not have the abilty to capriciously adversely affect a consumer 's abiltiy to acces fair and reasonable credit and interest rates. Their Boost program gave me 2 points and then dropped me 15 points when I decided not to use their optional program. This is a scam that is hurting good people who have worked hard to raise their FICO score.
Product: Credit card

Suncoast Credit Union did not see anything unusual about a new and unusual {$250.00} charge ( set for monthly renewal ) by XXXX, made on XX/XX/23. The charge was fraudulent and I did catch it myself within XXXX days. I requested and obtained a block on that XXXX card. It took a painful 2-1/2 weeks to receive a new card! The very first charge of only {$9.00} was for a subscription renewal ... nothing whatsoever suspicious about a small, always renewed monthly charge by XXXX XXXX made on XX/XX/23 AND THIS CREDIT UNION HAS BLOCKED A CARD THAT TOOK 2-1/2 WEEKS TO OBTAIN! I refuse to jump through the hoops AGAIN to see what horrors this credit union has in store for me next. It does not deserve to be licensed to handle my financial affairs in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. I look forward to hearing from you soon. Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( 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. With that being said, we can see under 15 U.S. Code 1681i ( 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. On EXPERIAN, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX GA XXXX and they have XXXX XXXX XXXX XXXX # XXXX XXXX GA. In addition EXPERIAN is showing the incorrect Employer of XXXX XXXX XXXX FUNDING and that needs to be DELETED as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  # 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 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 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: Credit reporting or other personal consumer reports

To whom this may concern ; My name is XXXX XXXX I am a Federally protected consumer. And I have notice several FCRA/FDCPA Violations on my consumer report by a few credit reporting agencies. Violation that were done 15 usc 1681, 15 usc 6802. Just to name a couple. I would greatly appreciate if these Inaccurate/ Fraudulent accounts be removed from my consumer report immediately. 
This is not a 3rd party filing this report. This is me a Natural person. Thank you.
Product: Vehicle loan or lease

Good afternoon on XX/XX/XXXX purchase a XXXXXXXX XXXX XXXX XXXX auction announcement vehicle, from a dealer in XXXX XXXX and he took me to Mountain America credit union, it was XXXX XXXX XXXX with XXXX miles with structural damage and had theft report, of course none of those reported to me and as I recently moved to United states I was so uneducated even didn't know XXXX that time, I work on a dealer now and I know what is the rules for not announcing frame damage or salvage or roll back vehicles and I see some dealers even went to jail for it. 2 days after purchasing the problem start so far this vehicle could work till the end of XXXX after spending maybe XXXX from my pocket, I can easily buy this car with these reports for XXXX $ or XXXX XXXX $ from auction. 

The problem the dealer with the help of this lender sold me this vehicle for XXXX and I paid XXXX in front, after some extra nonsense life insurance coverage for XXXX $ which is really crazy funny never heard of life insurance on a auto loan, and XXXX $ extended warranty my loan came to XXXX $ from XXXX XXXX and they inspect the vehicle condition as a excellent condition and I have all of the as a document. I had 6.99 % interest rate which is my close end contract comes to XXXX $ and it should be expire on XX/XX/XXXX, I paid none stop whiteout, any miss payment and it was on XXXX XXXX $ a month and instead of 60 months I paid 72 months, and for 2 years I paid extra XXXX $ for principal and the vehicle still had XXXX $ balance : ) ) ) ) ) ) I paid so far for XXXX vehicle which worth XXXX so far XXXX with my down payment and now I stop paying them and they put 2 months of none payment and dropped my score by XXXX points, they charged me frauded me and damaged me, I told them I am in the middle of buying house and they still didn't care and every time they saying yes you are right we will fix it and pass it to another manager and no one fixing it and been 2 months and I can not even buy as house not even renting and for 2 months i live in hotel for XXXX $ a night and running life that lost my even wife and my business because of what they did to me, they are a really fraud organization, when I asked them to send me a copy of repaying after 1 months they couldn't and talk to XXXX different people finally sent me a sheet from XXXX that show really nonsense payment history. 
They mentioning I didn't provide insurance and that is related to the insurance problem and of course I talk to their insurance department and showed them that I had insurance, although credit union usually not paying dealer before they get insurance, and of course from XXXX I didn't even drive it and was broke down, the insurance department right away sent back their charges which was XXXX $ I still have XXXX $ balance and with XXXX point credit drop, and ruining life. Please act legally and I am ready to spend money to stop these type of fraud problems I need the best lawyer don't matter how much it cost me at this point, I can not get my old life back, please someone contact me.
Product: Checking or savings account

On my mobile, when logged into Citibank app, I received the promotion code of XXXX for opening a Savings account with {$50000.00} or more of new money to Citibank, to be maintained for 60 consecutive days to receive a reward of $ XXXX. 

I clicked on the offer and opened the new savings account ( ending with XXXX ). I transferred $ XXXX in to the new savings account and contacted the customer service right after opening to confirm i met all the conditions to receive promotional offer. I was informed that i met all the conditions and my promotional reward will be deposited after 60 consecutive days of account opening. 

I reached out to the customer service department again after 120 days of account opening, at that time, i was informed that i do not meet the criteria of account opening and hence do not quality for the reward. The reason for decline mentioned was I have a Citibank Account Package, and only the Access Account Package was eligible for promotion. I have opened multiple request to review that were declined ( ref : XXXX ) Note : 1 ) The offer was on mobile app and no conditions were listed, my account was opened in less than 5 minutes 2 ) I was never informed on mobile app or in a email/letter that my account does not meet the promotion criteria 3 ) when i called, Citibank customer service incorrectly said that i qualify for the promotion, on more than two occasions. 

Given that, i have kept my funds ( $ XXXX ) in Citibank since account opening ( 6+ month ), I have been a loyal customer of Citibank for more than a decade, and the conditions were not mentioned during account opening or thereafter, I request that Citibank credit me the promised promotional offer ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has incorrect personal information in their file about me. I have tried to get it changed through their dispute process. I have found it impossible to verify or check if they have made the corrections. 
Equifax credit report shows that I lived in XXXX XXXX and that I worked for XXXX. I have never even been to Kansas and have never worked for XXXX. 
I filed a dispute with Equifax and filled in their form and sent identification required to validate who I was. I indicated the corrections I wanted made. I received a confirmation number back from Equifax. # XXXX. 
However, I have been unable through their online system to verify that any change has been made. I have called Equifax and each time I am asked numerous questions to verify my identity. They always get to the question asking what the monthly payment is for my credit cards. I don't make a fixed amount payment. I always pay the entire balance each month. 
Apparently that is sufficient for Equifax to not validate who I am. I was upgraded to a supervisor and spent ages on the phone with him. Same result. Even though I had a copy of the original report from Equifax in front of me and could provide tons of information, because I don't have a monthly payment amount to credit card companies it's impossible to to talk to them.. 
They have incorrect information and it seems impossible to get it corrected. 
The other two agencies have correct information. This incorrect information has created problems for me when a bank or other credit agency ask " security questions '', Frequently there are street addresses I have never heard of, when I respond No to having lived there, I am invalidated. All because Equifax has a incorrect address for me. In fact now they have two, the Kansas address and the address of a company that did property management for us. 
Correcting my own credit information should not be impossible.
Product: Debt collection

On XX/XX/2022 I requested information to verify that this debt belongs to me. XXXX and the creditor have not provided me with information to prove this debt is mine and what the services are for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have submitted a request to remove XXXX XXXX from my credit report to Experian Credit Reporting due to this account being over 7 years old, and they have not removed it. I am being told I can only request removal once. Account opened on XX/XX/2015. I will upload supporting documents. I would like this account completely removed from all credit reporting agencies right away, and showing a updated on my. Credit report asap. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am writing to formally report the unauthorized use of my credit by someone without my knowledge or consent. I did not open, approve, or authorize any of the transactions or accounts in question. This misuse of my credit has caused undue harm, and I am requesting immediate action to correct this injustice. 

I have always been responsible with my financial obligations, and this situation is a clear case of fraud. I urge you to investigate this matter promptly and remove all fraudulent accounts and transactions from my record. I am prepared to provide any necessary documentation to support my claim. 

Please take the necessary steps to correct this issue and ensure my credit report accurately reflects my legitimate financial history. I appreciate your swift attention to this matter. 

the following accounts in question : 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 XXXX None of these account is known by me
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, 1st Franklin is reporting a " 30 days '' late from XX/XX/XXXX. I have had several loans approved and refinanced with this company. I have never paid an account 30 days late. My accounts were refinanced and the payment dates changed during the time of refinancing.
Product: Credit reporting or other personal consumer reports

Hi I file XXXX  and the payment history is still reporting all the accounts that was filed in XXXX  in delinquent on XXXX. Payment status is showing now past due. XXXX  XXXX. XXXX. XXXX XXXX store. XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires. I have tried talking to the credit buerus many times to remove it. This is aggravated identity theft i did not give any XXXX permisssion to report these items. ( see attached )
Product: Debt collection

A week or so ago I received a letter in the mail stating I owed XXXX XXXX  {$860.00}, from clear back in XXXX or XXXX. As I do recall having XXXX XXXX  as a provider, I do physically remember sending back my phone in a package after switching providers. I switched because I had terrible experiences with them, and this is just making it worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts from XXXXXXXX XXXX XXXX  Citi all show remarks that the account is managed by a debt counciling service. It is not longer managed by them as the account is paid off and the account is closed and paid as agreed.
Product: Debt collection

For the last 7 days ( approximately ), XXXX XXXX calls over 15 times each day to contact " XXXX XXXX, '' starting around XXXX, with an automated message. XXXX XXXX does not live here and we do not know any such person. I responded to the automated calls to report that this is the wrong number. They continued. 
Then I received a voice mail from " XXXX XXXX '' with a phone number and extension. I contacted XXXX XXXX at XXXX, and told her they had the wrong number. I continued to get the automated calls. I called XXXX XXXX back and she said there is nothing she can do if there are multiple accounts for this person. She was very evasive with any other information as to how to stop the calls. I informed her that I was going to file a complaint. 

Thank you for your help.