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

XXXX never provided a SINGLE thingnot one nights stay, bonus etc for the money they took from us and they failed to do anything to rectify that-they continued to ask for payments to be made for absolutely nothing. When we tried to end the contract that they have used to extract money from us for nothing, they refused. We then filed complaints with Florida authorities and sought legal help. They have defrauded us of $ XXXX and they continue to want every XXXX they can possibly get under the timeshare contract. XXXX does not want to provide anything or honor any contract terms that they are supposed to and yet they want to use their contracts to extract as much as possible from their victims ( owners )
Product: Debt collection

I have been disputing this incident with this company for quite some time they have provided a statement stating that the information provided was accurate however they also stated that they had 21 days to do a final statement. They did not meet that 21 day final statement. I never received a final statement within 21 days. I received a statement on XX/XX/XXXX from the Property Manager regarding the balance being owed as {$110.00} I began to make XXXX videos online and trying to dispute with the company. However, they only went back and retaliated by adding extra charges to my account. I would like to see the proof that they sent me a final statement via email within the 21 day timeframe. If not then I think that the original complaint should stand and that they need to update their accounts to {$110.00} that I submitted I keep writing a Dispute online with the attorney general, but they never respond to that dispute or complaint. I am going to write all of the credit bureaus personally via snail mail because this is not getting me nowhere the complaints keep getting closed and Im gon na keep reopening a new one every time Please update your records to reflect {$110.00}. I have a attached the emails and please present an email regarding how the final account statement was sent and why was it updated after I made my complaint on XXXX I feel like this is a tactics for retaliation
Product: Credit card or prepaid card

Received credit card statement dated XX/XX/22 showing a charge of {$260.00} that I did not recognize. 
I contacted Fidelity Rewards Credit Card on XX/XX/22 about the charge and told them I did charge a sandwich at food truck on that date and cost was {$15.00}. 
The Fidelity representative stated that this was a likely a fraudulent charge and provided a provisional credit of {$260.00} and said they would research. They also canceled card and provided new card number. On XX/XX/22 Fidelity reversed the provisional credit and provided a receipt from a XXXX XXXX XXXX XXXX XXXX in XXXX Ohio XXXX see attached ) showing a 'custom amount ' {$15.00} charge plus another {$250.00} XXXXcustom amount '. I have never been to XXXX XXXX XXXX XXXX and again contested the charge to Fidelity. 
During the week of XX/XX/22, after multiple attempts, I was able to contact the owner of the XXXX XXXX who said he also owned a food truck. I described the problem and he agreed I should not be charged the additional {$250.00}. He requested I contact the credit card company and have them review it again. 
At this point, I again contacted Fidelity, but the dispute department at Fidelity stated that the decision on the matter was final and they refused to further review. 
I have been fraudulently charged {$250.00}. I feel I should be protected by the laws regarding credit card transactions. I have been charged an amount for something I did not purchase and Fidelity is refusing to correct the issue or work with us in an attempt to resolve.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts had appeared on my credit report, and I have no clue why. I routinely check my report, but this time, unexpected discrepancies showed up. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Given this issue, I request that the documents Ive submitted be thoroughly reviewed to ensure I never have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issues with XXXX XXXX XXXX popping up on my credit report. The Inquiries listed below must be Deleted since I did not Authorize the creditors to pull my credit nor did I authorize any creditor to hit me with a Hard Inquiry please conduct your investigation and DELETE any and all Hard Inquiries. I am not applying for any credit since I am looking to purchase a home in the near future. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX Equifax XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid a medical bill for {$27.00} to XXXX XXXX XXXX, XXXX. ( XXXX ) on XXXX XXXX, 2016, via debit card. Three months later in XXXX, the creditor turned my paid account over to a debt collector, XXXX ). Upon receipt of the letter from RRC, I contacted the original creditor, XXXX, and informed them that I had paid the account in full, but they refused to discuss the matter with me, saying that it had been turned over to collections. I told them I have proof showing I paid the account in full three months before, and it should have never been sent to collections in the first place, yet they insisted they were powerless to change anything and I would have to deal with the collection agency, despite this being their error, not mine. For their part, I disputed the debt through XXXX on XXXX XXXX, 2016, and sent in a fax with my bank statement highlighting the debit showing where I paid XXXX on XXXX XXXX, 2016, in full for the exact amount that XXXX was attempting to collect from me. On XXXX XXXX, 2016, XXXX removed the collection from my XXXX credit report. But four days later on XXXX XXXX, 2016, they again reported the account as being in collections. Once again, I 've submitted a challenge through XXXX and attached a copy of my bank statement showing that I paid the debt in full three months before the original creditor sent the account to collections. This collection is impacting my credit score by more than XXXX points, and should have never been submitted to collections in the first place. But more than that, XXXX ( or XXXX, as it 's now being reported as ) has ample proof and more than enough time to remove the account from my credit and, in fact, did so before re-reporting the account the following week. 

Moreover, they have continued to send me letters and additional attempts to collect this debt, which I paid to the original creditor in full months before they erroneously submitted the debt for collections. As someone who suffers from a XXXX at a time when I 'm trying to repair my credit after losing my job 24 months ago and exhausting my savings and retirement in an effort to salvage my credit and home from foreclosure. This has greatly exacerbated my inflammation, which in turn has caused me XXXX of dealing with this situation not once, but twice when I should n't have to be messing with this at all considering I paid the bill in full with the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I went and paid off the collection even though it wasn't me that open that account. It drop my credit score by XXXX points. Even after I paid of the collection which wasn't mine. The credit score remain the same. XXXX Experian
Product: Mortgage

I refinance my mortgage with Selene Finance in XX/XX/XXXX. About the same time I received my 100 % VA XXXX rating. I sent them the info and the letter from the township verifying that NJ states that I am Property Tax Exempt. it took them about 3 months to update their records and refund me the escrow for my property tax. That decreased my monthly payment by about {$450.00}. Everything was fine until XX/XX/XXXX. I received a escrow analysts from Selene stating that I owed property tax and increased my monthly payment over {$600.00}. I called Selene on or about XX/XX/XXXX. During the call I was transferred to their Escrow department. While talking to the individual he stated that they received a property tax form from my township and said that it stated that I owed property taxes. The individual then called the my township on three way with me who then informed the representative from XXXX that if he simply looked at the second page, he would see that I owed {$0.00} in property taxes and as a 100 % VA rated XXXX veteran my property taxes were waived. Once we hung up with the township he said that he would update their file and forward with in there system and I should call back in a week to verify that everything was resolved. I then called back onXX/XX/XXXX and was told that it was still in work and expected their system to be updated any day because they had to perform another escrow analysts then to call back in a week to see if it was complete. I then called back on XX/XX/XXXX because I was ready to pay my monthly payment but it was still showing the higher monthly payment. Once again I was told that it was in the works and should be fixed any day now and give them another week and it was okay because I was not late on my payment until the 15th of  the month. I then waited untilXX/XX/XXXX to call back. this time I was told once again that their system should be updated any day and to just pay the extra amount and work it out later. I told the individual that I did not find this acceptable and I would like to speak to a supervisor. Once I was on the phone with the supervisor they told me that they had 30 days to re-accomplish another escrow analysts and that my only option was to pay the higher amount and then later dispute the charge and request a refund. I stated that how could they insist on charging me more money, when they were the ones that made the mistake by simply not looking at the whole bill and then make me fight them to get my money back. I was ready and willing to make my normal payment that I had been paying for the last year but they refused that offer. I refused to make a payment for the higher amount and now they are reporting me as being late on my mortgage. could someone please help me resolve this.
Product: Checking or savings account

I received a notice via the Internet to go ahead and place in a claim because Wells Fargo XXXX money from XXXX to XXXX and I did have accounts with them. Checking savings deposits cash out everything. 
I am waiting for my settlement
Product: Credit card or prepaid card

The Discover consumer mobile application has been unstable for over three months ( as of XX/XX/2022 ) and a large number of users, myself included, are experiencing a " flash crash '' when trying to open the mobile app via a smartphone device. When clicking on the app icon, the app attempts to open and immediately crashes, preventing access to consumer credit and deposit account info and servicing functions. Additional details can be gleaned from numerous recent negative app ratings in the XXXX XXXX store. I contacted Discover via phone to try and find out if this was a known issue and if work was being done to resolve the issue and restore access via mobile app. The representative I spoke with ( XX/XX/2022 ) indicated they were not aware of an issue and it had not been sent out to the contact center floor as a known issue ( with corresponding talk track for handling complaints ). Since I first encountered the issue, Discover has published three new app versions on the XXXX XXXX store, and the issue persists ( consistent with other complaints in the app store ). 

XXXX XXXX version : XXXX Device : XXXX XXXX XXXX XXXX XXXX version : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been incarcerated for the past 10 years.While incarcerated someone was using my identity to buy a car.
Product: Checking or savings account

Early in the year, I changed jobs. As part of that change, my employer-provided XXXX serviced by XXXX under the brand " XXXX '', notified me in a letter on XXXX XXXX that, although the account would remain open, I would now be assessed a ludicrous {$5.00} per month, plus additional charges if I elect to receive paper statements in the mail. 

This seemed excessive, but the real kick came when I found a new XXXX provider, and went to close my XXXX account. They charge a {$25.00} fee to close the account, as well! 

This account was forced upon me by my previous employer, but now I am responsible for the costs it will take to dispose of it? That seems unfair, the costs seem high.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and register a complaint regarding the repeated inclusion of inaccurate addresses and collections on my credit report. These inaccuracies have caused me significant distress and have adversely affected my creditworthiness. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have identified several instances where incorrect addresses have been associated with my credit report, as well as collections that I believe have been inaccurately reported. These discrepancies have not only been a source of frustration but have also hindered my ability to access credit and secure favorable financial terms. I would like to emphasize that I have never resided at the addresses in question, nor do I have any knowledge of the collections listed on my credit report. These inaccuracies are causing unwarranted harm to my creditworthiness, and I am committed to ensuring that my credit report accurately reflects my financial history. I kindly request that you conduct a thorough investigation into these discrepancies as required by the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : Verify the accuracy of the addresses listed on my credit report and promptly remove any addresses that are not associated with me. Investigate the collections listed on my credit report and verify their legitimacy. If any of these collections are found to be inaccurately reported or not mine, please remove them immediately. I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to correct these inaccuracies. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me. Please assist me to delete these following inaccurate addresses and collection 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
Product: Checking or savings account

On XX/XX/XXXX I, XXXX XXXX, discovered my identity ( and my spouses ), was stolen after receiving mail from Wells Fargo ( WF ) with a debit card and checking accounts information. Two account were opened in my name with a mailing address for a residence I had not lived at in over 13 years. The account numbers end in XXXX and XXXX, the mailing address used is XXXX XXXX XXXX XXXX, XXXX. Thankfully the current home owner tracked me down and brought the mail to me. I contacted WFs fraud department immediately and learned these accounts were opened on-line without physical proof of identity. I have completed all the steps required by WF to prove these accounts were not opened by me ; including, meeting with local WF bank officer, Mr. XXXX XXXX, on XX/XX/XXXX. After providing Mr. XXXX with two forms of ID ( also a police report and my FTC complaint ) I was told the account would be closed immediately and any further correspondence would be sent to my correct address ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). 

As of XXXX, XXXX, it does not appear these accounts have been closed because statements, for accounts I did not open, continue to be sent to the INCORRECT ADDRESS. I have spoken to countless WF representatives on the phone, sent emails, letters, and spoke to the local representative serval times trying to resolve this matter to no avail. I am asking that these accounts be closed immediately and any additional correspondence be sent to my CORRECT address. I should not have to depend on, or burden the current homeowner on XXXX XXXX XXXX to deliver the never ending correspondence from WF.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

2 days ago I received email notification from credit monitoring that a collection account had been added to my credit report. Upon reviewing my credit report I found that CBE had listed a {$290.00} collection account on my credit report with an original creditor under the name of that I had never heard of before. I never received any communication prior to the email from my credit monitoring system. I do not know the bill or who the agency or creditor. I was never contacted by either prior to or after placing the collection on my credit report. Further the account lists a first delinquency of XX/XX/XXXX. I am an expat and have lived overseas since XXXX. I have accounts that I maintain in the USA but none from a original creditor by the name of XXXX XXXX that's listed on the account. I have had no delinquent accounts of the counts that I maintain in the USA. My payment record has been fawless and this entry ruined a nearly 32 year perfect payment record. This account needs to be verifed and removed from the credit report as it is inaccurrate and doesn't belong to me.
Product: Credit reporting

In XXXX of 2015 I paid in full XXXX student loans I had with XXXX XXXX XXXX. 
On XXXX XXXX, 2015, I received a credit report from Equifax noting these loans were paid in full and no negative information was reported on these account. 
On XXXX XXXX, 2015, I received a noticed that negative information had appeared on my Equifax credit report. The negative information according to Equifax was reported by XXXX XXXX XXXX. 
I contacted XXXX XXXX XXXX who advised they had never reported negative information to Equifax reference my student loans. 
I contacted Equifax via telephone and correspondence reference the information received from XXXX XXXX XXXX and Equifax refused to remove the negative information from my credit report. 
I have included copies of my Equifax credit report from XXXX XXXX and XXXX, along with other various documents which show their negative entries on my XXXX accounts. 
I have also included correspondence from XXXX XXXX XXXX verifying my student loans were never in a late status nor reported as a late status. 
In addition I have also included a copy of all payments made on my XXXX XXXX XXXX loan accounts which also prove I never made a late payment on these account. 
Despite all of this information from the creditor itself, Equifax refuses to remove the false information they placed on my account. 

Any help or assistance with the tactics being used by Equifax is appreciated.
Product: Credit reporting or other personal consumer reports

I have retained new copies of my credit reports, and noticed that consumer portfolio services did not furnish the credit bureaus with the required disclosure, within the period required by law. Consumer portfolio services are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/2023. I have retained a copy of the signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required XXXX period.