23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have tried multiple times and different ways to access my account but I continue to be locked out. There is a multi-level process for gaining access. First you type in your account info and password, then you need to verify your identity by taking a photo of your driver 's license and a video of yourself and submitting it for verification. It gets uploaded to who knows where and requires 24 hours for someone to review it and send you an email to notify you whether your identity is accepted. Once you receive the email with your identity confirmed, you have 24 hours to sign in with a XXXX digit PIN that they give you. I am very careful to confirm the numbers and letters, multiple times to make sure it is correct. When I go to plug in the PIN, it says it is the wrong one and am sent in a circular reference cycle of either cancelling and starting over or attempting to sign in again. When I seek to find a customer service email or phone number, it brings me to FAQ page, or provides a phone number that gives me the option of either going to the app to FAQ or hang up. No live person, no email support info anywhere on the website or the app. I am left to cancel and start the process all over again, which I have done multiple times. I have not been able to access my account in over a year, possibly two years. By not providing a transparent system for help, it feels very much like a scam, or a way to deter people from accessing their funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Equifax received my dispute of account number XXXX, {$520.00}, with agency number XXXX with Equifax. I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax received my last dispute on XX/XX/2019 by United States Post  Office certified mail number XXXX XXXX XXXX XXXX XXXX. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I mailed a request to Experian to remove the fraud alert, extended fraud alert, security freeze, and promotional blocking from my credit file. After not receiving a response I filed case XXXX with the CFPB. Experian responded that the freeze was removed ; and it appeared the fraud alert was removed at that time as well. 

Experian has reinserted the fraud alert, extended fraud alert, and promotional blocking to my file without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which contains several negative items that I would like to dispute. I have noticed that there are a number of inquiries and accounts on my credit report that I did not authorize, and I believe that some of these entries may be fraudulent. 

Firstly, there are two inquiries that I did not authorize - one from XXXX XXXX on XX/XX/XXXX and another from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing these inquiries, I suspect that they may be fraudulent. I request that you remove these inquiries from my credit report immediately. 

Next, I would like to dispute the information on the following accounts : XXXX, account number XXXX : The information being reported on this account is incorrect, and no updates have been made to it. I request that you remove the incorrect late payments from this account as soon as possible. 

XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, account number XXXX : I have never had any business relationship with this company, and I request that you delete this unknown account from my credit report right away. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, account number XXXX : As with the previous entry, I have no knowledge of this account and believe it to be inaccurate information. Please remove it from my credit report. 

XXXX XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXXXXXX XXXX XXXX XXXX XXXX, account number XXXX : Again, I have never had any business relationship with this company, and I believe that this account does not belong to me. Please delete this unknown account from my credit report immediately. 

Finally, I would like to dispute another unauthorized inquiry from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing this inquiry, I suspect that it may be fraudulent. I request that you remove this inquiry from my credit report immediately. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit card

I made a purchase with XXXX on XX/XX/year>. I paid the purchase through my XXXX XXXX card which was stored in my PayPal account. I, in error, disputed with both XXXX XXXX and Paypal. XXXX XXXX and PayPal both credited me the refund of XXXX ( please see attachments ). However, later, this error was discovered by XXXX XXXX or PayPal, thus they both debited the {$27.00} ( please see attachments ) which ended up me not getting the well deserved credit in the first place. Both XXXX XXXX and PayPal should not have debited this amount. XXXX XXXX XXXX or PayPal need to provide the refund again to me. 

I want to file a complaint against both XXXX XXXX and PayPal, but this complaint does not allow me to submit complaint against both, I also want to file complaint against PayPal : PayPals corporate headquarters is located at : Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone Number : XXXX
Product: Student loan

Prior complaint XXXX submitted and now closed as CFPB is accepting inaccurate and false information. New York State Higher Education indicates the loan amount is {$26000.00}. However attached supporting documentation clearly shows the loan is {$21000.00}. The payment history is nothing more than a typed document, no letterhead, no official document, anyone can type something up. The term of the loan was 10 years so if you look at the so called payment statement, I still owed over {$20000.00} after paying on the loan for 9 1/2 years?
Product: Credit reporting or other personal consumer reports

Experian does not provide an obvious option to freeze your credit. I linked through the NCDOJ.gov link to the site, where I had to verify my account. When I was logged in, it took me to the main screen, not the linked credit freeze screen. the only displayed option was a credit LOCK, which is a premium service apparently. It prompted me that I " can not lock my account without upgrading '' so I thought lock & freeze were the same and needed to upgrade. It was a {$0.00} fee initially but was not incredibly clear on the monthly price after a trial period. I then felt weird and researched that credit freezes are required by law to be free. So I clicked the link from NCDOJ.gov again and got to the credit freeze page. They are clearly obscuring the credit freeze option to make people think they need to upgrade for a credit " lock '' and putting you into an auto-renew monthly service with them. So unsophisticated consumers ( or those moving quickly to lock their accounts after an identity theft experience ) may think they have to pay for the protection they were seeking, but instead they are paying for a slightly different ( and possibly less protective ) service rather than receiving the service the law requires Experian to provide for free. 

Both of the other agencies offered clear, easy access to both the credit freeze and the fraud reporting with no attempt to upsell. Incredibly deceptive from Experian, especially if you are moving quickly to try to prevent fraud and miss a couple of details in the process. I'm a sophisticated consumer and XXXX XXXX so I had the tools to realize something was off before it cost me money and immediate access to a credit freeze, but not everyone would.
Product: Credit card or prepaid card

The following are the four fraudulent credit card purchases made to businesses in the XXXX, PA area on the dates as noted : ( 1 ) XX/XX/2019, XXXX XXXX ( {$2500.00} ) ; ( 2 ) XX/XX/2019, XXXX XXXX ( {$2700.00} ) ; ( 3 ) XX/XX/2019, XXXX XXXX XXXX ( {$700.00} ) ; and ( 4 ) XX/XX/2019, XXXX XXXX XXXX ( {$700.00} ). I did not make these purchases, nor did I authorize anyone to make these purchases, which totaled {$6000.00}. Upon receiving my credit card statement on XX/XX/2019, I phoned Citibank, spoked to their rep, XXXX, and informed her of the fraudulent purchases. During the Citibank investigation, the investigator ( XXXX ) said that the two purchases made on XX/XX/2019, were made on my home landline phone and that I would have to provide an official transcript from my phone carrier showing all calls made on that date. When I submitted the requested phone records to Citi on XX/XX/2019 showing no calls were made to that business, I thought the dispute would be decided in my favor. But, without merit, Citibank has notified all three credit reporting agencies that I owe the full amount of {$6000.00}.
Product: Credit reporting or other personal consumer reports

I have multiple fraudulent accounts opened in my name according to my credit report that I have absolutely no idea about. Below are the list of the fraudulent accounts in my name along with the dates opened and the outstanding balances on them. 
XXXX Accounts XXXX. Account Name : [ XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] - **Date Opened** : [ XX/XX/XXXX ] - **Outstanding Balance** : [ {$930.00} ] XXXX. Account Name : [ XXXX ] - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX XXXX Account Number : [ XXXX ] - Date Opened : [ XXXX XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX XXXX Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$900.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$850.00} ] I have written a dispute letter that will be sent to the bureau agencys also
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
Account Name XXXX XXXXXXXX collection. Account Number # XXXXXXXX  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 instruction. 15 U.S.C 1681 C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Debt collection

My truck payment is due the XXXX of every month. Every month beginning on the XXXX ( if payment has not been received ) phone calls begin. Sometimes multiple calls back to back with as many as XXXX5 calls a day. Late fee is not incorporated till the XXXX. No voicemail, no call identification and no way to know who is calling. 

Finally, I answered and collector stated, " the bill is due on the XXXX and we start calling the XXXX day it is late. ". I responded, " so you guys just blow-up my phone all day everyday? ". She responded, by asking, " did you want to make a payment? ". At this point I had already submitted payment but has not cleared though the bank. I responded, " I already have. '' And she stated that she would make note on my acct. Not once was there a apology, a thank you, or even a degree of empathy in her voice. This woman could not have been more apathetic and rude. I am as of now seeking information on my rights. 

Sincerely, Extremely aggrevated client of Bank of America
Product: Money transfer, virtual currency, or money service

I want to inform about all the concerns about the transactions that were being made that was no longer me due to CFPB putting in a complaint I would also love to as well. Everything doesnt add up not transaction was my fault and nothing is being resolved. XXXX has failed me in every way possible as they said they can protect my account and was not able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX fraudulently opened an account for a timeshare under my name and social. I have been in contact with XXXX XXXX since I became aware of the issue. XXXX XXXX from the XXXX XXXX department advised via email on XX/XX/2021 that the account would be closed and removed from credit reports as this sale was null in void and never signed for. 

I was also advised to file a report with the FTC and to dispute with the credit bureaus. 

XXXX XXXX does not have any validating information regarding this account. The only information provided is an UNSIGNED Deed of Sale and an email stating the sale was NULL IN VOID. 

Experian and XXXX have failed to delete this fraudulent account. All documentation confirming this fraudulent activity was provided to the credit bureaus. 

The following account needs to be deleted : XXXX XXXX - BALANCE REPORTED {$6700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022- XXXX I disputed an account that is reporting on my credit report. XXXX XXXX, XXXX is reporting a account that is not affiliated with me. I requested a notification letter from XXXX XXXX through the Consumer Financail Protection Bureau. I attached that letter with this complaint as proof. Please check the address that is on the letter. I do not have a previous nor present address of XXXX, NC XXXX. Therefore XXXX XXXX DID NOT NOTIFY ME as the LAW requires. Fair Debt Collection Practices Act law 15 U.S code 1692g states clearly that a creditor must recieve notification before a debt collector puts information on a consumers file. Please check my addresses on my XXXX credit report. Reinvestigate this account please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights.15 USC 1681 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Checking or savings account

Complaint XXXX XXXXXXXX XXXX XXXX, is a corporate entity doing business legally in XXXX XXXX with the corporate registry number XXXX. See attachment A On XX/XX/2021 one of the authorized officers of the Corporation, XXXX XXXX, requested a stop payment from First Bank to stop any payments regarding the check number XXXX. Check XXXX, at that time, was losXXXX XXXX XXXX XXXX payed First Bank for that service to stop any payments of check XXXX. See attachment B ( authorized officer ) and attachment C ( request for stop payment ) Nonetheless, on XX/XX/2021 we received the bank transactions and notice that check XXXX was in fact payed to a third party for the amount of {$7000.00}. See attachment D After noticing the transaction, we immediately submit a claim to First Bank in order to know the reasons as why they payed check XXXX even when we did in fact requested a stop payment. 



On XX/XX/2021 we received a letter from First Bank stating that after reviewing the complaint and making a thorough investigation that did no find any stop payment for check XXXX. See attachment E On XX/XX/2021 we submit a letter again inquiring why they payed a check which we did not authorized payment even when we did requested on a timely fashion a stop payment for check XXXX. It did not make sense that they did not found a stop payment on their systems even when we do have the evidence of such request. See attachment F On XX/XX/2021, we received another letter from First Bank of Puerto Rico stating that after investigating their records, now they did not have any record of such transaction paying the check XXXX for the amount of {$7000.00}.
Product: Credit card or prepaid card

I opened an " Ultamate Rewards Mastercard '' in late XX/XX/2017 at a store and was told I would be mailed the information required for paying the bill. After two months, I had still not received any bills or the physical card and was receiving robo-calls demanding payment. I explained to a customer service representative that I did not have the information to pay the bill and they kindly allowed me to immediately pay the bill over the phone and forgave my late fee. They stated that they would send out another physical card and bill. 

By XXXX, I had still not received my card, so I went to the store and they said they could just look it up using my phone number and other information. I bought my products and they said they were sure another card was on the way. 

In XXXX, I had still not received a card! I was now receiving robo-calls again but I couldn't seem to catch a real representative on the phone to pay again. Since I was working 4 jobs and finishing my thesis, it took me a couple weeks to schedule a time that I could physically go into an XXXX store and ask them to give me my card information so I could use that to go online and pay a bill. 

When I finally acquired this information, I paid precisely off what I had spent but I asked that the company remove my late fee as I had not had access to pay the bill until I went beyond what should be deemed reasonable to do so, due to never receiving my card. They refused immediately and in frustration, I closed my account. 

I had double checked that my address was correct and I have never missed payments on any of my credit cards in my adult life. Now they are all accumulating with late fees. I have nearly {$70.00} in fees that are the result of their mistake. When I called again, they said they couldn't adjust anything because my account was closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX keeps changing the first delinquency date on all three credit agencies keeping this old loan on all three credit files when they should have removed it. 

As you can see, XXXX reported a 1st delinquency date of XX/XX/XXXX, which is fraudulent, as the 1st Delinquency Date was XX/XX/XXXX. 



XXXX XXXX also committed a fraudulent act, after I paid off the vehicle, they attached additional fees, and the moment I paid them, they reported that money as a paid charge-off to all three credit agencies. 

I originally went into the local XXXX Bank XXXXXXXX XXXX XXXX  XXXX XXXX XXXX. Branch and paid off the balance in full on XX/XX/XXXX. As you can see they did not apply the full payment. I went back on XX/XX/XXXX and paid {$1.00} to cover the balance of {$.00} cents. 

Then after all that XXXX Bank would not send me my title, they added additional fees and had me pay another {$200.00} and some change, only then would they mail me my title, which I finally recieved at the end of XXXX, XXXX.
Product: Debt collection

Hi, I went into XXXX XXXXXXXX XXXX  XXXX XXXX XXXX to receive my Covid-19 vaccine, XXXX. I had a bad reaction XXXX 's first dose. I was told by the hospital I would not incur any medical charges due to the fact that it was a bad reaction to XXXX and they said XXXX would take care of the charges. 
However, a year later I am still getting a charge from XXXX XXXX XXXX over the bill that was related to the Covid 19 vaccine. I had tried calling XXXX, but they outsource their call center to XXXX and they are not able to fix my issue without a contact person at XXXX XXXX 's XXXX XXXX XXXX. I was on hold trying to reach a supervisor, since they are the only ones able to fix the bill. I spoke to XXXX employee number XXXX. 

I need them to fix the creditor issues and the bill since it was related to the Covid 19 vaccine.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX, XXXX, XXXX This CFBP complaint has been filled to request pursuant to FCRA 605b ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complain. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, credit account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, credit account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. Also Auto loan accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX and XXXX XXXX XXXX XXXX opened XX/XX/XXXX under account number XXXX and XXXX XXXX XXXX Credit Bureau opened on XXXX XXXX XXXX under acount number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, chargeoffs and hard inquiries as reported. Th aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were opened, made, or initiated by me. All the aforementioned accounts, charge-offs and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. My data was exposed in the XXXX data breach and the XXXX data breach, as a result the aforementioned accounts have been opened and accessed without my permission which has negatively affected my credit report.