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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX computer system inaccurately reported a " XXXX XXXX XXXX '' for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it to be corrected as he agrees it was NEVER late! XXXX  XXXX has uploaded the corrected information TWICE asking Experian to correct the error of XXXX XXXX XXXX. This process started XXXX XXXX XXXX ... ... ... ... XXXX Tuesday, XX/XX/23 I receive email ; from Experian saying my dispute has been updated, only to see that they ( Experian ) only updated the outstanding loan balance and did not correct the XXXX XXXX late. I've called weekly only to be told to wait XXXX XXXX ... .here we are, XXXX XXXX later, still not corrected. I filed a " SECOND DISPUTE '' inorder to correct the first dispute and to call Experian only to get the runaround. My lender is more than willing to talk to anyone to get this corrected, XXXX a very large line of credit with an XXXX lender and if they see this inaccuracy, I XXXX be out of a lender and out of business, HELP!!! Call me, email me, I need help to get this done. I asked to speak with an Experian supervisor, after XXXX minutes I was transferred, then call disconnected, accomplishing nothing!!!! I'd love to sue them, if I was an attorney. Thank you for your time. XXXX XXXX XXXX # XXXX XXXX XXXX
Product: Bank account or service

I applied for a loan for a used vehicle through XXXX XXXX in XXXX SD. I received a rejection letter that was based off credit reports with information that is soon to be outdated. The bank that rejected my application was wells fargo and I highly feel that due to my address on my application which is on the XXXX XXXX is a reason for rejection also and this is a form of racial discrimination from wells Fargo.
Product: Prepaid card

I had a former roommate steal my Direct Express card, call the # on the back and change my pin #, and charge XXXX XXXX XXXX of purchases then take out XXXX at the atm. Direct Express verified this themselves as they showed it was her cell # that called to change the pin and not mine. In fact it was their fraud dept that contacted me about it then sent me a statement to issue the dispute. I also filed charged with yhe police. I filled out all paperwork plus provided Direct Express with the police report but I got back the same standard letter everyone else has gotten saying my claim is denied because I authorized the charges - even though it was them that caught it in the first place!
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX .... 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is an add on to my last complaint since it only allows me to list XXXX companies. 

XXXX XXXX XXXX XXXX XXXX XXXX  There are hard inquiries on my credit report that were made without my authorization. I was not able to reach a representative with XXXX XXXX to dispute it. I was able to reach a representative with XXXX XXXX, however they were not helpful. I told them that I wanted to dispute a hard inquiry that was made without my authorization. The representative asked for my account number. I told her that I do not have an account with them. I asked to speak to a supervisor and she told me no and that if I do not have an account with them, they can not do anything with my credit report. I proceeded to ask her why they ran my credit then if I do not have an account with them. She did not answer my question and told me that I needed to contact the credit bureaus. I told her that I already did and that they told me to contact the lenders. She stated again that if I do not have an account with them, that she was unable to assist me. I reiterated to her that I do not have an account with them, which is why I'm disputing an inquiry that was made on my credit report. She hung up the phone on me.
Product: Credit reporting or other personal consumer reports

I have been trying for XXXX years to reset and get access to my Experian acct I have register and have sent messages via Experian XXXX works a with no result at this point the info on my credit report is incorrect and I am unable to log in to my Experian acct.
Product: Debt collection

Formal Complaint against Celtic/CONFINCO Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint against Celtic/CONFINCO for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Celtic/CONFINCO placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. I hereby declare my revocation of all communication channels with Celtic/CONFINCO including text messages, emails, and phone calls. I insist on engaging through written correspondence. In line with my rights under the Fair Debt Collection Practices ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Celtic/CONFINCO provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Celtic/CONFINCO is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. The date on my consumer report indicating that I opened an account with Celtic/CONFINCO is blatantly false. I neither received any services nor products from this company. This information tarnishes my credit history and infringes upon my consumer rights. Moreover, it has come to my attention that Celtic/CONFINCO is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. The actions of Celtic/CONFINCO constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( C ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. Please keep me informed about the progress of this complaint, and I appreciate your attention.
Product: Credit card

On XXXX XX/XX/year>, TD N.A. called both my home and cell phone to ask if I had applied for a credit card on XXXX XX/XX/year>- which I had not. TD N.A put me through to their fraud/card services department and closed the inquiry and informed me it would take 5-10 days to file the notification of fraud. When I returned home on the same day, I had 4 new alerts from XXXX that a total of 4 credit inquiries had been made on XXXX XX/XX/year> on my account. I logged into my Experian account and noted that they were TD N.A, XXXX Card, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX. I called XXXX ( XXXX ) and they indicated that an application for a XXXX XXXX card had been submitted with my data. XXXX also stated that they had closed the inquiry on their end already but I would receive a notification of this incident in the mail in 5 - 10 days. I tried to call XXXXXXXX XXXX XXXXXXXX but the number listed on XXXX did not work so I called XXXX to manage disputing the inquiries as they were fraudulent. XXXX sent confirmation that my disputes have been opened and added a Fraud Alert to my account. XXXX also recommended that I log a complaint with FTC.gov.
Product: Credit reporting

I 'm a victim of Fraud. I am a victim of ID theft. The dismissed Bankruptcies were fraudulently filed under my name, without my knowledge or consent. These items were incurred by company whom I had hired XX/XX/XXXX for help with modifying my home loan. I neither authorized to file a Bankruptcy on my behalf, nor was I made aware that that were doing so. My signatures were forged on the BK paperwork, I would only find out about this issue after this company had gone out of business XX/XX/XXXX. 
This case was referred to the attorney general 's office who suggested I file an ID theft report. Hence, a Police Report with XXXX PD and also a Federal Trade Commission ID theft report for the fraudulent dismissed bks and forwarded it to the credit bureaus. As required by law XXXX of the bureaus blocked the information from my credit report, whereas Experian has persevered with reporting the fraudulent bks on my credit report. In my last conversation with Experian on XX/XX/XXXX, they claimed they reached out to the court and the court asked them to keep the information on my credit report, then when I asked who at the court they spoke to, I was told that it was not a third party vendor. More perplexingly, after that the representative told me Experian will under no circumstances block the fraudulent information from my report and I have to go to court and get a judge to authorize the removal of these accounts. I am absolutely at my wits ends here, as it bad enough suffering the traumatic experience of being defrauded and now as a victim of fraud I 'm not being afforded my legal rights. 

Attached Please Find : The filed Police Report with XXXX Police Department, The Federal Trade Commission ID Theft Report and Affidavit. Experian 's response refusing to block fraudulent items.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXXBalance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$850.00} 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 Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX XXXX}
Product: Credit card or prepaid card

I have a Chase Freedom XXXX credit card. On XX/XX/XXXX, I booked 2 flights using their travel purchase portal. Trip IDs are 1 ) XXXX and 2 ) XXXX. Unfortunately, I broke 2 ligaments in my right foot because of which the doctor told me that I can not travel. So, I contacted Chase regarding this on XX/XX/XXXX. The customer care lady told me that since I made payments using my reward points, I will get the points back. However, I never got them back. 

Today, on XX/XX/XXXX, I called them back and none of them acknowledged this. They kept forwarding me to different departments and kept me on hold for over 5 hours ; without resolving the issue. They kept on re-iterating their standard refund policy that comes with the card and that I already knew about ; the 2 options being : 1 ) either file a claim online or 2 ) get airline credit that I will have to use in a year plus a rebooking fee of XXXX $ per trip ( making the credits essentially useless ). 

However, they were not able to help me with getting the reward points back which to me is the most convenient option.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not have an account with them I dont know why they are in my credit report I believe this is some fraud or data breach
Product: Credit card

On XX/XX/year> I noticed my Avant credit account was paid in full. I did not pay off my account call Advant credit card told them. On XX/XX/year> they backed out the payment and my account was correct and they locked my account. I called them they said that my account was locked do to an investigation. I said ok the said a couple days should be good. called back again told a few more days. waited then called back again was told I had to send them my a picture of social security card over the internet I said I would not do it. I asked to speak to a supervisor they said to busy would call me back I waited a week, call back again asked to speak to their fraud dept They transferred me only to be told that customer service could help me was switched over to them they told me to send an email to them and my account would be unlocked. Did that they sent me an email saying that if I call customer service they could help me. I called customer service told this person the same story was put on hold she came back this time and told me my account was locked and under review and would take 90 days.I find it strange that if i sent them my SS card they could fix it .But i refused and now its 90 days. I believe that this credit card company or their workers are scamming the public while I keep paying my credit card with no use of it. 

Thank you XXXX XXXX
Product: Credit card

I had an issue with the promotion on this card. I was under the impression i had to spend XXXX  XXXX but it was really XXXX  XXXX. I called on or about XX/XX/year> and was advised by customer service that an extension could be possibly given as i had spent {$4900.00}. However the extension was not given. So then i called again on XX/XX/year> inquiring about that and to close this card. I was told by customer service that if i close the account the annual fee would be prorated. I decided to think about it and called again on XX/XX/year> and spoke to a manager named XXXX. I was advised once again that i could not have got an extension on the promotion. I asked to close my account and was told that the annual fee would not be prorated when 2 other customer service reps told me otherwise. I asked for XXXX 's XXXX  but he would not provide me that info or any other corporate info to file a complaint. I had to look it up myself online to find the info. I feel like Chase is not acting in good faith and also deceptive trade practices. Thank you.
Product: Credit reporting or other personal consumer reports

To whom it may concern I am unable to see my credit reports for equifax and XXXX. because i am not able to see my credit score i don't know my status or credit points and is making me XXXX. i have call numerous times and i am been told to wait for it to update. credit updates and nothing happens.
Product: Checking or savings account

On XXXX  day i saw XXXX charges of {$50.00} each. sent to individuals I do not know and did not authorize .Chase initially removed them, but put them back on yeterday saying the vendor provided proof they are sending it to me. As of now I'm out {$550.00}
Product: Credit card

Hello CFPB XXXX, Here is what I most recently wrote to Cap One : XX/XX/XXXX Dear Cap One staff, I have been trying to resolve this issue for almost a year now. I have sent you multiple letters, offered to pay a settlement, and filed complaints with the CFPB, yet you have continued to ignore me. 

Please view the enclosed proof of previous communications and copies of certified mail receipts for our history. 

You went from marking my account as charged off as bad debt in XXXX, to profit and loss write off in XXXX. 

Please send me a 1099-C for the written off debt and mark my credit report as a XXXX balance owed. The amount can not be both income and a debt for me. 

~~~ Capital One has completely ignored all of my attempts at contacting them and resolving this issue. If they sold the debt, why are they still reporting it? If they sold the debt, why isn't a collection agency contacting me? 

Isn't it about time that Capital One allows me to settle this matter so we can all get on with our lives?
Product: Debt collection

This Affidavit and Notice Complaint is being filed on behalf of the consumer with the Consumer Financial Protection Bureau for a more transparent investigation. The debt collector XXXX XXXX XXXX has used the consumer 's promissory note in a fraudulent manner in association with the disputed CFPB [ Case No. XXXX ] and this has become an issue where the debt collector has independently provided as verification false statements and representation ( please disregard the option used impersonating attorney etc., as this was the best option ) of a fraudulently endorsed promissory note during an investigation with the Consumer Financial Protection Bureau which has completely condemned and denied the consumer to complete and accurate information.
Product: Mortgage

I am Complaining about SLS my loan servicer, SLS says in a letter sent to CFPB that I will attach for your review that mediation took place on XX/XX/2016, but in fact their attorney refused to, and we ended up in court on XX/XX/XXXX instead of mediation which is what I was promised since the very beginning, also in that latter it indicates that meditation was postponed to a later date which is not true, a settlement agreement will also be attach for your review, their attorney offered me conciliation NOT mediation.
Product: Credit reporting

In the last copy of my credit report from Equifax ( Confirmation # XXXX, dated XXXX XXXX, XXXX ), Equifax continues to falsify my identity while hiding and protecting the source of the false birthdate it entered into my file. 

Throughout XXXX, and earlier, I filed numerous CFPB complaints against Equifax 's wanton, deliberate falsification of my identity, to no avail. Sometime in the last year or two, it changed my birthdate in its credit file for me and refuses to correct it, while it will not divulge why it inserted the false birthdate into my file or what the source of it is. 

I have no way, short of suing it, to protect myself against Equifax 's active and malicious falsification of my identity and its persistent collusion with traffickers in false information that threatens my identity, all so that they can profit illegally from my private, personal information while causing me great harm. I should not be put in the position of having to hire an attorney to protect myself from this despicable company and its undeterred, perpetual injuries.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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: Prepaid card

I received my prepaid XXXX XXXX  pre-paid debit card from XXXX XXXX XXXX 

I activated the card via XXXX XXXX XXXXs XXXX and set-up a pin. 

Immediately, after receiving my first deposit I withdrew the balance at an ATM leaving {$19.00}. 
I made small in-store purchases, with my pin, using the remaining money. 

On XX/XX/year>, I received my second unemployment deposit. Again, I immediately withdrew {$500.00} leaving a {$130.00} ( the ATM had a maximum of {$500.00} per day withdraw ). I also made several in store purchases with a pin. Within one hour, my card was declined.

I called XXXX XXXX and told them my card was being declined, but there was over {$100.00} on the card. XXXX XXXX  said that my email address does not match the one on file, HOWEVER I NEVER OPENED AN ONLINE ACCOUNT WITH XXXX XXXX DOWNLOADED THEIR APPLICATION OR PROVIDED THEM WITH AN EMAIL ADDRESS. MY CARD WAS ACTIVATED VIA THEIR XXXX NUMBER AND THAT IS HOW I SET-UP MY PIN. 

I IMMEDIATELY DROVE TO THE LOCAL XXXX XXXX AND REPORTED MONEY NETWORK STOLE MY UNEMPLOYMENT FUNDS AND DEACTIVATED MY CARD. 
I FOUND HUNDREDS OF SIMILAR COMPLAINTS FROM CA EDD CLAIMANTS WITH THE SAME MONEY NETWORK SCAM. MONEY NETWORK WAITS UNTIL YOU GET YOUR DEPOSIT, THEY STEAL THE MONEY, DEACTIVATE THE CARD, THEN CLAIM THEY " MAIL A CHECK WITH YOUR UNEMPLOYMENT FUNDS, '' BUT THEY NEVER DO. 

My card was not stolen or hacked. My withdrawals and purchases were all made with a pin. I was able to provide Money Network Customer Service the EXACT DOLLAR AMOUNT AND LOCATION FOR EACH OF MY PUCHASES ( I READ IT FROM MY RECEIPTS ). i ESCALTED THE MATTER TO A SUPERVISOR AND AGAIN I WAS ABLE TO VERIFY ALL OF MY INFORMATION AND PURCHASES. MY CARD WAS NOT HACKED. THERE WAS NOT ANY PURCHASES MADE BY ANYONE BUT ME. YET, MONEY NETWORK STILL STOLE MY BENEFITS AND DE-ACTIVATED MY CARD. 

I immediately went online to write an online complaint, when I came across hundreds of complaints from CA XXXX customers with the same issue of XXXX XXXX, NOT A THIRD PARTY OR HACKER, deactivating cards and keeping the benefit money. They claims they'll mail the benefit balance, but they never do. 

XXXX told me I have to resolve the issue with XXXX XXXX BUT they cancelled future unemployment benefits from being sent to XXXX XXXX, however they have still my money and I want it now. 

XXXX XXXX  has a bad reputation and poor rating. I deliberately did NOT download their app, register online, or attach my bank account. I deliberately chose the option to active card via XXXX and used a PIN to make purchases and ATM withdrawals. Again, I was able to verify XXXX  % that all purchases were made by me. There were no unauthorized purchases. 

I WANT MY MONEY FROM THESE XXXXXXXX XXXX SCAMMERS. THERE ARE HUNDREDS OF ONLINE COMPLAINT EXPLAINING THE SAME SCAM STEP-BY-STEP CLAIMING THEY COULDN'T VERIFY AN EMAIL ADDRESS, SO THEY STOLE MY MONEY. THEY NEVER HAD MY EMAIL ADDRESS TO BEGIN WITH!!!!
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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: Mortgage

I was taken out of work due to mefical reasons and contacted my loan servicing company for options prior to falling behind on payments XXXX 2015 I 've exhausted all funds and now have fallen behind because I only receive a fraction of my pay. Wells Fargo is refusing workout options due to my previously having a loan modification. This is added stress the fear of losing my home with no options. I ca n't return back to a normal state of health not able to sleep I need help, asked for workout options, forbearance, repayment plan but they refuse there is no foreclosure sale date so there is time to review me but they refuse
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documents for detailed account of my dispute with Wells Fargo, regarding my personal loan. Wells Fargo advised I had paid off this loan, closed the account and removed it off my online banking. Two months later I found out something happened to the payoff check and WF reopened the account. WF reported to XXXX that I was delinquent on payments.I received no explanation from WF.