23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX I purchased merchandise from Furniture Row in XXXX Colorado. At that time I was told that I would not receive my merchandise until XX/XX/XXXX. I then got the couches delivered XX/XX/XXXX. I then get a bill in the mail in XX/XX/XXXX stating that the payment was due on the XX/XX/XXXX, and I noticed that they were hitting me for late charges as well as a past due amount. I called XXXX and tried to figure out what was going on. They told me that I was 60 days past due!! I asked them why I never received a bill, and they told me that I was set up for paperless ( I did not agree, nor did I ever set this up ). They then told me that they sent out emails to let me know. I asked them what email they had on file and it was a email address for my ex wife. They then fixed the email address, and took off the late charges. I paid the amount owed for the bill, and was told that I could dispute the hits on my credit. when I called them to do so, they told me that there was nothing they could do for me, and told me that because I never paid on time they would not take the hits off my credit. I was never notified of a bill until XX/XX/XXXX, and this was after I received the merchandise. They had me set up for paperless, without me knowing, and were sending to an email that I never even had. This has dropped my credit score XXXX points in 30 days and I need help getting this off my credit. If the process was done the right way I would have had no problem paying in XX/XX/XXXX, as well as XX/XX/XXXX even though I did not have my couches. This process was dropped by XXXX as well as Furniture Row, and now I am the victim of false reporting, and billing practices. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and a fraudulent account was opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached an Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent account. For yet another last time, the following account is fraudulent : CAPITAL ONE BANK USA, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # 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 an account without my written instructions.

I have sent 3 letters for a 3 credit bureaus on XX/XX/23 and have not gotten a response. The open dates are inconsistent on all 3 bureaus.
Product: Debt collection

Company has been calling for several YEARS. Most recently this morning ( XX/XX/XXXX, XXXX XXXX ). They keep asking for XXXX XXXX. We have told them DOZENS of times there is NO XXXX XXXX or anyone even close at this number. There never has been ; we have had this phone number since the XXXX. We 've never heard of this person. We have told them this repeatedly and have told them many times to stop calling. They keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company ran a credit check with out my permission. I have never applied for credit from this company, nor have I applied for credit from any company since XXXX. I am very upset. It is wrong to illegally obtain personal information to run a credit check just to advertise to them. The credit check was ran on XX/XX/XXXX
Product: Debt collection

I switched addresses with XXXX XXXX and had been and continued to have automatic payments withdrawn from my bank account. XXXX  overcharged my new account number but maintained an amount due for old address. XXXX  admitted error and I was told the problem was solved. I began getting calls from Diversified Consultants saying I still owed XXXX. I provided proof and they reported a delinquency to XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

I have requested the 1099-C from a XXXX XXXX i have not received it, had to reach out to the IRS, XXXX XXXX has failed to send me the order of process of how investigation are handled US code 1681 ( e ) all information must be accurate how am i to tell if the company wasn't verifying to begin with. Rule 938 says that a consumer bankruptcy isnt shared they don't share it so who did Equifax tell this data was accurate and not to mention it's not on XXXX! XXXX XXXX  has a account updating the CHARGE OFF every month that is also the law because a account closes only one time, why is XXXX XXXX reporting a charge off or closed account every month thats against the law, if the account can only close XXXX time XXXX XXXX  is intentionally committing fraud against me because make it make sense. REMOVE all information that's not accurate, verify the closes every single month, verify a charge off has been happening every single month you can't. And XXXX XXXX is reporting an account that was paid by insurance in full as a negative account i have requested in writing the original contract, the details from the insurance company and the payOUT amount they received from the insurance company and i wrote the IRS to see how XXXX XXXX handled the XX/XX/XXXX case because if the data is correct why is so hard for this company to send it to me REMOVE THE INACCURATE DATA OR SEND ME ALL VERIFYING INFORMATION, EQUIFAX send me the information on how the verification process goes who did yall speak with, letter did yall send to accurately investigate the bankruptcy,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two late payments from XXXX XXXX on my credit report providing proof that the payments where in fact made on time. After the disputes, XXXX XXXX provided no documentation that the error was correct and the credit bureaus all have sided with XXXX XXXX. They sent me letters stating that the account has been verified without showing any verification. My credit score is suffering for no reason, and this should be illegal. I have gone through this process at least 3 times. Each time the late payments are somehow just shifted to different months instead of being removed. For instance they will say 30 day late for XX/XX/XXXX and XX/XX/XXXX, then after the disputes it will say 30 day late XX/XX/XXXX XX/XX/XXXX, then I dispute again and it goes back to the original posting and it continues in a cycle. The credit bureaus should be preventing companies from doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Portfolio Service Unauthorized Hard Inquiry on Credit Report of consumer. XXXX XXXX did not have authorization to contact multiple financial institutions and give them permission to pull a hard inquiry for automobile financing. 

Date of Unauthorized Hard Inquiry XX/XX/2017
Product: Credit reporting

I received 2 letters from equifax that stated they " furnished a copy of your credit file for employment purposes '', 1 letter has a company listed and the other just has a blank space where the company should be listed. I have not applied for employment and have worked at the same company for over 6 years. I have attempted to contact Equifax with no luck. 
I contend that Equifax has provided my credit file without my knowledge or permission. The letters also only list the XXXX XXXX letters of my XXXX name and not my complete, legal, XXXX name, making their records incorrect also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to Chex system thats acct was closed due to suspected fraud. There was not fraud and the account was never opened.
Product: Checking or savings account

On XX/XX/year> XXXX mine and my wife 's accounts with USAA were hit with several fraudulent transactions. Unauthorized transactions in checking accounts, personal loan attempts and credit card transactions. The credit card side of the house was deemed fraudulent and resolved. The personal loan was declined and we froze our credit reports. We have been fighting with the banking side for a month now trying to get close to {$2800.00} back. On XXXX XXXX I was informed that the three transactions at sum of $ XXXX XXXX, XXXX and XXXX were not fraudulent transactions. The credit card department has deemed them to be fraudulent, refunded and closed the cards out. After speaking with several reps from USAA to include the resolution department, they can see that the fraud department is not upholding their responsibilities. After pressing more and escalating a complaint with them, they decided to refund a charge for XXXX. I am still missing close to {$1300.00}. I have requested documentation and all they send me is the initial response, I requested them to reopen the case and nothing, I've asked for a callback to discuss this with no phone call from the Fraud Department. I don't feel that my money is safe with USAA anymore and I feel cheated. This is disgusting and how dare they treat their Veterans this way.
Product: Debt collection

Not reporting correct date with credit grantor should be showing XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this inquiry on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

XXXX XXXX, consumer, natural person and original creditor of an open end credit plan. I received a copy of my consumer credit report and I am now aware of some negative payment history that is being furnished without my written consent. Pursing to the FCRA 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. However, under 15 USC 1681a ( 2 ) ( i ) Exclusions from a consumer report include information solely as to transactions or experiences between the consumer. By law you can not furnish transaction history. Transactions are late payments, this needs to be removed now. According to 15 U.S. Code 1681 ( a ) ( 4 ). The information being reported is false, misleading and fraud. All in which so has caused many damages over time. Pursing to the FCRA15 USC 1692d a debt collector may not engage in the use of criminal means to harm the physical person consumer or my reputation. These late payments are damaging my reputation. They have also caused me great harm, mentally and physically. Pursing to 15 USC 1692e ( 2 ) ( a ) a debt collector may not use the false representation of the character of a consumer. Late payments are character damaging. It states you cant report the character of any debt meaning its in my character to pay late based on my consumer report. This is tarnishing my character. I am demanding that you remove every late payment. To conclude, under 15 USC 1681c you must block any information in my file from an alleged identity theft, no later than 4 business days after the date I provide the details to you.
Product: Credit card or prepaid card

I applied for a prepaid card and was denied. I wasnt given a reason why I was denied. I never received an email or letter in the mail explaining why I was denied a prepaid card.
Product: Credit card or prepaid card

Synchrony Bank closed my 5 accounts. I called multiple times. The final answer was XXXX  reported my score had dropped and I had a missed payment. I called XXXX  XX/XX/XXXX at XXXX XXXX. My score was mid 700s and I had no missed payments or derogatory Marks. I called synchrony bank to relay this information and request a manual evaluation. They replied that even with a manual evaluation they can never reopen my account. I have already lost 20 points to this issue and that isn't counting what it will do to my utilization rate.
Product: Checking or savings account

For the last year I've been banking with TD Bank. The day I opened my Personal Checking Account, I opened the online banking service account. Initially, my transactions would reflect the date it began pending, now it doesn't. Normally, banks allow you to click on a pending or cleared transaction and see the Merchant reference number, now I can't. Since I opened the account, I've had to change the password twice ( out of the blue ). I tried logging in, couldn't, and was told to dial ... .... Upon doing so, I'm not convinced TD Bank Representative really assisted me or it was an impersonator, the person who has caused all of these Bank problems. 
In conclusion, today I saw a transaction for {$10.00}. I don't recognize it. So, I clicked on it to see what day it began pending, and I can't even do that. So, I'm convinced this is no longer an online account by TD Bank. It's more of a fictitious account with " JUMBLED '' transactions. And transactions being on hold for a few days so that nobody can see that I spend money 7 days a week and I'm really entitled to my real account. 
In conclusion, what should I do at this point?
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding the failure to remove fraudulent items from my credit report. Despite my previous XXXX attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ), including submitting police reports, affidavits, and other supporting documentation to the credit reporting agencies. However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$4000.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX  ACCOUNT NUMBER XXXX XXXX. XXXX  XXXX / ACCOUNT NUMBER XXXX XXXX. XXXX  XXXX / ACCOUNT NUMBER XXXX XXXX. XXXX ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I have used my debit card online without using a pin ID. But I ended up not getting the service I paid for. The fraudulent merchant would not issue a refund and would not respond, so I initiated a dispute with Axos Bank on XX/XX/XXXX. After submitting my first certification on XX/XX/XXXX and as of today XXXX XX/XX/XXXX XXXX, Axos has not resolved the issue and has not refunded the charge. 

I have been in communication with Axos either via phone or via e-mail for the period XXXX, but not once did any of the representatives provided any helpful information regarding the status of the dispute. I have talked to various customer service reps from XX/XX/XXXX to XX/XX/XXXX, but although they seemed to understand the issue, they offered no help. I have also e-mailed them various times via its secure website ( see attached ). 

Without any resolution to the XX/XX/XXXX dispute, I unexpectedly received a call from Axos Fraud dept ( a third-party provider most likely based in XXXX XXXX asking me to check the secure e-mail at Axos website and sign another certification. He offered no explanation as to what happened to the XX/XX/XXXX dispute and why I needed to sign another certification. And despite my frustration, I willingly re-submitted the certification right away ( see attached ). And as expected, to date I have not heard back from Axos, which is no longer surprising based on my previous experience during the first unresolved dispute. 

Axos does not resolve card disputes by its employees, but subcontracts it to a third-party provider in XXXX or somewhere in the XXXX XXXX. It appears that Axos does not have control over this provider and it does not follow-up any of the clients dispute status. Axos simply does not have accountability to what this provider is doing. The customer service reps do not have direct contacts with this provider. And every time I send an e-mail about a status update, the reps were so quick in closing the ticket just as soon as they have responded - whether or not their response involved resolving the issue. This is one of the worse customer service I have ever experienced with a bank in terms of getting credits for charges dispute. 

Since I have used my debit card online and ran it as a credit that is I didnt enter a PIN at the point of sale, should the bank follow the rules set out by Visa and Mastercard and thus subject to the rights spelled out under the Federal Truth in Lending Act and the Fair Credit Billing Act? 

Thank you!
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and requested that the company due an investigation. After they completed their investigation, I received updates on my report that were not removed and no information was provided to me about the account. There is no proof that these accounts belong to me from any of the agencies reporting negatively on my account. 

XXXX XXXX- {$0.00} Santander XXXX {$17000.00} XXXX  XXXX Auto - {$13000.00} XXXX XXXX XXXX - {$64.00}, {$290.00} XXXX XXXX {$420.00} XXXX  - {$5600.00} XXXX XXXX  XXXX {$700.00} XXXX  - {$8000.00} I also never gave these companies permission to pull my credit report : 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

there are 6 hospital collections reporting on my equifax credit bureaus only, inaccurately and these are inaccurate and not mine, i have been disputing and disputing with equifax, but they have been very much stubborn and not helpful, i ma tired of this disputes and not getting help. i have googled and found out that you would be able to help me, i am writing a complaint on equifax consumer reporting agency, since not only they are reporting many inaccurate and fraud account under my reports, also they are not helpful and so much made my life stopped and stressful. 
please find attached the FTC report on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last XXXX digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately : XXXX XXXX XXXX XXXX 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