23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have limited exact dates of transactions as the company XXXX XXXX XXXX closed inXX/XX/XXXX. I purchased several packages from XXXX XXXX XXXX for laser hair removal between XXXX and XXXX. Over those 4 years I paid XXXX XXXX XXXX approximately {$6000.00}. In XXXX when my services ended without being complete I stopped paying XXXX XXXX XXXX as they closed. When I stopped paying I was sent letters from XXXX XXXX asking me to pay my balance. I explained to them several times that I do not owe the debt as my treatments are incomplete and in fact I felt as XXXX XXXX XXXX  owed me money. I paid thousands of dollars and still have incomplete treatments. XXXX XXXX XXXX agrees to continue treatments until all hair is gone. They discuss that it can take years of treatments. I did as XXXX asked me to do regarding disputing the charges. I sent them letters expressing that I dispute all charges. I told them I could not get exact transaction dates as XXXX XXXX XXXX is closed. They did not accept my dispute and have continued to harass me. I am now being sued by them. XXXX is claiming I owe them {$2800.00} however with interest and fees they are now suing me for {$4200.00}. They have hurt my credit and I am so stressed. I do n't understand how a bank can harass and force people to pay for services they did not receive. I obviously did not get the services as the place closed. As I have told them I would pay if I received the money or the service but I did not. How can we as consumers trust the stores we purchase things from if this is allowed? If I want to apply at a store for credit for floors I will not ever want to do that. What if they close before I get my floors and I have to pay for them anyway? I think this is a scary precedent to set, that banks can collect money despite no serve or product being rendered. The definition of purchase is to by a product or service. I purchased nothing. I should owe nothing. I am also assuming that XXXX XXXX received large payments from XXXX XXXX XXXX when they filed chap XXXX or XXXX. XXXX XXXX has my services and my money not me. XXXX is harassing the little person in this and I am beyond angry. I have also complained to Better Business Bureau and the Attorney General 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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.
Product: Credit card or prepaid card

Called Nordstrom TD Bank XX/XX/2023 to inform them that the account was opened under my name, but not with my authorization. They said that they would freeze the card due to the fraudulent application. They confirmed that the account was opened using an address other than my own. 

I also contacted XXXX on the same day to report the fraudulent activity and put a freeze on my report. 

XX/XX/2023 I contacted XXXX to report the fraudulent activity and put a freeze on my credit report. 

XX/XX/2023 I contacted XXXX to report the fraudulent activity and put a freeze on my credit report. They advised that I place a report with FTC or police.
Product: Checking or savings account

I had an account back in 2019 with US bank. The second person on the account commuted fraud by writing a bad check. I wasnt aware of this action by the second person on the account with resulted in my account being closed. I never signed a check or commited fraud and I have the evidence to prove that. My account never has any fraud issues.

The second applicant tried to sign 2 fraud checks in the amount of XXXX on XX/XX/2019. I really do not want to be responsible for something I never commited or signed for. I wasnt aware the second applicant deposited these checks
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : FOR 3 TIMES CONSECUTIVE XXXX AND EXPERIAN PERSISTENT WITH THIS PROBLEM AND THEY DONT WAN NA HELP ME, PLEASE I NEED YOU HELP WITH THIS ACCOUNT : XXXX account number : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). please I request a reinvestigation under Dispute of Inaccurate Information on Credit Report FCRA Section 611 and demand deletion for incomplete unverified informacion the last 30 days This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidat
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a mortgage on my home in good standing with on time payments f or seven years . The company handling my mortgage,  XXXX  is not reporting to any of the credit bureaus. I have contacted them on at lea st five se parate occasions about this issue. Their canned response is that they are reporting to all three bureaus and that I should contact the bureaus individually to find out why my mortgage does n't appear on my credit report. I have done this, and all three credit bureau 's insist that   XXXX   is NOT reporting the loan. It seems fairly obvious that ALL the major credit bureaus are not conspiring together to deny the reporting of this loan. The only logical explanation is that  XXXX  is not properly reporting it. I have attached my latest credit report pull, and as you can see, to mortgage account is listed. My loan numbers are  XXXX  and  XXXX
Product: Mortgage

We are in Foreclosure and trying to sell this home. We have a short sale and the first lien holder can not give us a short sale approval since there is a 2nd mortgage on the sellers title. After speaking with customer service for Chase Home Equity Mortgage XXXX, they stated that this file was no longer in their system, and that if I need a release of mortgage I would have to send written request for that release of mortgage. We have Fax a request to Chase Equity Research Department on XXXX XXXX, 2017 and again XXXX XXXX 2017 and have been unable to get anyone to respond since the Research department does not provide a phone number to JP Morgan Chase Home Equity Mortgage equity research department for a Washington Mutual WAMU Equity Plus Mortgage XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 We placed a freeze on our XXXX and XXXX account. On that same day we sent a certified letter to all three Credit Bureaus, asking that they delete the incorrect Bankruptcy information. We received dispute outcomes from all three Bureaus stating that they confirmed the information that they are reporting ( see PDF ). The Bankruptcy Court does not directly report to Credit Bureaus, and both XXXX and XXXX are not allowed to confirm any information when they are placed under a freeze. Therefore we request that the incorrect Bankruptcy be deleted from my Credit Report, as we previously asked all three Credit Bureaus to do via certified mail. Thank you in advance for your assistance regarding this matter.
Product: Debt collection

I was contacted by RentDebt Automated Collections LLC in XX/XX/XXXX about a debt listed under my name to a previous apartment complex ( XXXX XXXX XXXX ) that I had resided in between XX/XX/XXXX to XX/XX/XXXX. The company claims that I owe around XXXX $ due to apartment cleaning. When I asked them to provide proof that the debt was mine, the only evidence they could send me was my signed lease, which I do not consider proof that I owe this debt. 

The address they have listed on the itemized statement is incorrect, and lists an entirely different apartment complex and apartment number. I have never lived at this address, or rented from that property. 

A month before moving out of the apartment complex, I made sure to pay in full, as well as give XXXX XXXX XXXX my correct forwarding address as well as my cell phone number and email address. I have not changed any of my contact information since then, so XXXX XXXX XXXX could have contacted me at any time about this. I have not heard from them in the year that I have been gone, nor do I have any record of them calling me on my phone records. This debt has been quietly effecting my credit score for a year, which is very upsetting. 

Further more, I believe that this debt company sold my information, as I now am being harassed by scam numbers daily. It is not uncommon to get as many as 14 calls from a single number IN A SINGLE DAY. It is effecting my personal and work life, as my phone constantly rings. Not only am I getting spam calls, after sending a written letter for RentDebt Automated Collections to cease contacting me, they continued to contact  me via phone call about the debt. I will be willing to provide my phone records if need be. 

I will uploaded all documents pertaining, including my letter of denying the debt, as well as their mailed documents to me.
Product: Payday loan, title loan, or personal loan

I am filing this formal complaint against US Bank in reference to my US Bank Home Equity Line of credit account # XXXX. My debit card associated with this account was stolen and fraudulent charges were made on my account, and US Bank refuses to cancel my stolen debit card or reverse the fraudulent charges. US Bank has one of the worst customer service departments that I have ever dealt with. On Wednesday, XXXX XXXX 2022, I noticed XXXX ( XXXX ) separate fraudulent charges on my US Bank home equity line account that were charged with a stolen debit card linked to my account. I attempted to call US Bank approximately XXXX times or more and spoke to over XXXX different representatives over the course of XXXX hours. Every time I talked to a representative, I was put on hold for a long time or had the call disconnected. Sometimes I would get transferred to another representative and after XXXX hours nothing was ever done and I could not reach anyone who would cancel my stolen debit card or decline the fraudulent charges. The XXXX ( XXXX ) fraudulent charges on my account were all made on XXXX XXXX 2022 in the amounts of : {$740.00}, {$24.00}, and {$150.00}, respectively. When I talked to XXXX rep at US Bank named " XXXX '' I was given dispute # XXXX. But the fraud charges are still on my account. I am demanding that my stolen debit card be immediately cancelled and that the fraudulent charges on my account are immediately reversed. If the charges are not reversed I will take further legal action against US Bank and seek a court order to have the charges reversed and have my account closed, and permanently cancel my business relationship with US Bank. It is unfortunate that US Bank refuses to address fraud charges on my account after I have been a loyal customer for so many years with multiple credit card accounts and this home equity line account. Sincerely, XXXX XXXX
Product: Credit reporting

To whom it may concern, I had my credit account enrolled in automatic scheduled payments. The account was to be debited every month in the form of an ACH payment of {$100.00} from my financial intuition that I enrolled to pay the credit card bill. Both my financial institution and credit card that I was making payments towards were effected at the same time with fraud. I had XXXX accounts closed and then opened new accounts with each party. Because of this fraud on both accounts my auto pay program was then terminated from both sides. The company I pay my credit card bill to did not notify me of any changes in any manner, email, call, text, letter, etc.of this occurrence and to update my billing information. A few months later I 'm now left with a late payment on my credit card report and that is affecting me when I 'm currently trying to get a loan to buy my family our very first home. I 'm asking this manner be looked into and me be relieved of the XXXX late payments i now have on my account due to this fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to check my credit report there's several hard inquiries that are not familiar to me and I didn't do.
Product: Credit card or prepaid card

My job I was employed at for XXXX years closed their doors at the beginning of XX/XX/XXXX. As a new single mom ( divorced in XX/XX/XXXX ) I struggled living on unemployment to pay all my bills as well as keep mine and my daughters head above water and fed. It was the biggest struggle of my life. I am finally back to work and on the right track. I am making good of all my debt that was last due. I went 60 days past due on my Old Navy Credit Card and made the payment of {$100.00} to get my account current. The day my payment posted they closed my account. They were very generous with waiving a late payment fee on the account previously but I really wanted to keep this account open as my daughter loves old navy and we always buy her clothes there.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I am submitting this complaint again because my previous complaint ( case # XXXX ) has not been resolved. I believe there is a high possibility, there was a human error during the entering of my mortgage payment.
Product: Debt collection

states debt collection is on behalf of XXXX, but have no debt with XXXX believe that XXXX is either scamming or cheating for money not owed
Product: Credit reporting or other personal consumer reports

Can you delete these inquiries? I have no knowledge of this, and the company did it without my agreement.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for your double rewards card and received a letter to contact the department to verify my application. I called and they asked me several questions and verified me and sent me the card.

I received the card last week on the XX/XX/XXXX. Followed the instructions to activate on-line. Once on-line it alerted me to call the Fraud department. I contacted the Fraud Department on XX/XX/XXXX. They asked me for my phone #, I gave them all # s on my family plan. They said, none of it matched, even though I gave them the phone # on my application. They asked me for the security code on my account which they told mewas correct, they asked me if I had an authorized user and I gave them my sisters name. They then proceeded to ask me if they can verify me at work. I said, Im retired. They then said I could not verify me and will send me a verification letter. This took 3 phone calls and about an hour.

I received the letter that was dated on XX/XX/18 today, XX/XX/XXXX. I called the fraud department back. They proceeded to ask for my security code, which I gave them, asked me who else was the authorized user. They asked me for the Verification code on the letter, which I gave. They said, its insuffecient. The proceeded to ask me for phone # s which they could not verify, the phone # is on my application. They then said, we will call you back. They called me back on another # which is my sisters # since we are on a family plan. Of course, she did not answer. I then listened to the message left. The message was call the number at the back of the card. I called the # and we proceeded to repeat the above. I gave them the the number and let them know that i received 2 messages to confirm my identity. I was then told me that it was not sufficient and that I would be receiving another letter with a verification pin. This took 5 calls and over an hour only not to get anything resolved.

I can appreciate the process in verifying identity. However, I was already verified the first time using my actual # when I applied. They call me on my sisters # thats on my credit report. Then when I call back and give them these # s, they tell me they cant verify me when they pulled this # from my credit report because I never gave them that #.

The credit Card is onmy credit report, but I cant use it. It has been very frustrating as I am being contacted to be verified on these phone # s that they looked up themselves, leave a message and when I call back they then tell me, its incorrect. Ive given them my account secret code, Ive given them 1 credit Card that Im using and my mortgage line and that is still not enough.

I would appreciate some assistance. Please e-mail me or call me so I can activate my card.

Thank you
Product: Debt collection

Debt occurred from identity theft and the collection company didn't even verify this account and filed a lawsuit on me.
Product: Payday loan, title loan, or personal loan

I asked this creditor to stop harassing me at work and at home, they are calling my work and my cellphone Im having hardship and I cant afford to make regular payments at this time. I asked to leave me alone and let me figure out how to repay loan.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, Bankruptcy XXXX  XXXXdischarged Reference XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong personal information on all three credit reports