23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX AM A VICTIM OF IDENTITY THEFT. 
THE ACCOUNT ON MY CREDIT REPORT WHICH IS UNAUTHORIZED. I WOULD LIKE FOR THESE ACCOUNT TO BE REMOVED. I ALSO WAS AFFECTED BY XXXX XXXX BREACH. MY PERSONAL INFORMATION WAS LINK AND FOUND ON DARK WEB. I HAVE ATTACH MY POLICE REPORT ALONG WITH FTC REPORT
Product: Credit card or prepaid card

To whom it may concern, The below summary will serve as a time line of events that happened when I found out that XXXX XXXX billed my Credit card ending with XXXX without my authorization on four separate occasions for a total of XXXX dollars. 

On XX/XX/2019 I noticed that my credit card was billed on 4 separate occasions for work that was not performed for a total of XXXX dollars. The date of the separate charges are as follows, XX/XX/2019 for XXXX, XX/XX/2019 for XXXX, XX/XX/2019 for XXXX and XX/XX/2019 for XXXX. I first contacted XXXX XXXX via txt message at XXXX on XX/XX/2019 letting XXXX XXXX the owner of XXXX XXXX about the false charges. Just the past month I had him perform work that I paid for via XXXX application, so I was not too alarmed, just thought it was a mistake. However I was very mistaken! I also sent an email an email to the owner email account, XXXX listing all the charges with ( please credit ASAP ) in the subject title. The owner of XXXX XXXX said that it was a mistake and would reimburses me the full amount. However after over a month of excuses and back and forth he finally admitted that he does not have the money, and never mailed any checks or tried to reimburse me the full amount of money he charged my credit card. 

During this time I also contacted My Credit Card Company and put a hold on my card, and eventually closed out and opened up a new account. During this time I was contacted by Citi Security CC Company, and asked if I authorized another XXXX charge by XXXX XXXX, and I said no, so they denied the charge. I also contacted my local XXXX department and opened a police report for the false charges. The Police report number is as follows, Case # XXXX and officer of took report is named Deputy XXXX XXXX # XXXX, phone number XXXX XXXX With that said, my Credit card company ruled against me because the owner of XXXX XXXX  simply provided a false receiptsignatures for the transactions. He ran my CC against his app, and simply forged my signature, I was in a diff city XXXX XXXX when these false charges were supposed signed approved by me. How can the CC company take this as proof?????? 

PLEASE HELP!!! 

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

Experian is wrongfully reporting late payments on my closed XXXX XXXX  account. I know for a fact that I made all of my payments on time, and I have documentation to prove it. 

I contacted XXXX XXXX  to dispute these late payments. They investigated the matter and acknowledged that the errors were made on their end. They have since corrected the errors on their records, but Experian is still reporting the late payments on my credit report. 

I am very concerned about this. These late payments are wrongfully affecting my credit score and making it more difficult for me to get approved for loans and other forms of credit. I am also experiencing stress and XXXXXXXX  due to this situation. 

I am requesting that Experian immediately remove the late payments from my credit report. I have attached copies of the documentation that I have received from XXXXXXXX XXXXXXXX that proves that these payments were made on time. 

I am confident that this is a clear-cut case of error. I have been a responsible borrower for many years, and I have never had any late payments on any of my accounts. I am requesting that Experian take immediate action to correct this matter.
Product: Payday loan, title loan, or personal loan

I applied for an extension loan of {$20000.00} from XXXX XXXX XXXX  and they violated my consumer right by denying me credit on the basis of my credit file, which they got from third party agency. Upstart purposely violated my consumer rights which states that it is unlawful for any Creditor to discriminate against any applicant with respect in any aspect of a credit transaction. Upstart was given and used my social security number and still I received NO benefit. Upstart was also made known of the Equal Opportunity Act and still they denied me the loan / credit, which again is a clear violation of my consumer and human rights.
Product: Mortgage

NEWREZ MY MORTAGE SERVICE PROVIDER PULL A PAYMENT FROM A BANK ACCOUNT I NEVER GAVE THEM INFORMATION ABOUT OR PERMISSION TO PULL ON XX/XX/year>. PER THEM A SYSTEM GLITCH CAUSED THIS. I CALLED ON XX/XX/year> TO REPORT THIS GLITCH AND INFORM THEM OF THEM PULL MONEY FROM A BANK ACCOUNT I DID NOT GIVE THEM PERMISSION AND TO NEVER DO THAT AGAIN AND THAT IF IT BOUNCE MY BANK ( DIDNT HAVE THE FUNDS FOR THIS ) THAT THEY WOULD NEED TO COVER ANY FEES. THEY STATED NO PROBLEM AND IF THERE WAS A FEE TO CONTACT THEM AGAIN AND THEY WOULD COVER IT. INSTEAD OF THAT THEY XXXX UP AGAIN AND DECIDE TO " REFUND '' ME FUNDS THAT NEVER TOOK PLACE. I CALLED YESTERDAY XX/XX/year> TO TELL THEM EVERYTHING THEY DID TO MY ACCOUNT AND THEY HAVE STATED I HAVE TO GET BANK STATEMENTS AND IF MY CREDIT REPORT IS MESSED UP I HAVE TO PROVDE IT AND ME. ON TOP OF THAT WHEN TALKING TO THEM THEY WERE SO DISRESPECTFUL I FILED A COMPLAINTON THE XXXX. ARE YOU KIDDING ME???? THEN WHEN I ASKED IF IM GON NA GET ANY REIMBURSEMENT OF MY TIME AND IF THEY ARE GON NA FIX MY CREDIT REPORT IF ITS DAMAGED THEY WERE SO NON-CHALANT ABOUT IT. XXXX THAT. I WILL BE ATTACHING EVERYTHING FOR YOU TO SEE AND I WANT REPERCUSSION FOR THIS DEEP BREACH OF CONTRACT. I FORMALLY REQUESTED DOCUMENTATION XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of outdated or incorrect address information from my credit report with XXXX, XXXX and Equifax. I recently reviewed my credit reports and found that some addresses listed are no longer valid or accurate
Product: Credit reporting

I needed to thaw mine and my husband 's credit so our bank could review our credit to redo a line of credit with them. Apparently, because I thawed our credit we were signed up for a credit monitoring service for a trial of {$4.00}. If we did not cancel it we would be charged {$19.00} a month. I do not need credit monitoring, I keep my credit frozen. 
I called to ask how I was initially signed up and they were unable to answer me. I was also being billed twice every month. So {$4.00} times XXXX and {$19.00} times XXXX since XXXX. 
I called and asked for a refund. They said they will cancel my membership and refund for one month only. I called my credit card company and they can dispute XXXX. They can not dispute XXXX. They were told to have me call and ask for a refund. I did, and they would not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone stole my personal information and identity, has been impersonating me for over 30 years opening fraudulent and unauthorized credit card accounts in my name. I been receiving harassing phone calls and death threats regarding the fraudulent and unauthorized credit card and collection accounts and student loan account. The following credit card and collection accounts, hard inquiries and public records are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX, XX/XX/XXXX, {$14000.00}, XXXX XXXX, XX/XX/XXXX, {$5000.00}, XXXX XXXX, XX/XX/XXXX, {$8400.00}, XXXX XXXX, XX/XX/XXXX, {$5900.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$7300.00}, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX, {$290.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$25.00}, XXXX XXXX XXXX XXXX, {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  CARD. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit. The CARES Act calls these  agreementsaccommodations.
Product: Credit card

Platinum MasterCard ending in XXXX was opened without my knowledge and consent. I never applied for this card.
Product: Credit card or prepaid card

Made numerous calls to Care Credit involving my account. They didnt honor a special interest free promotion and expect be to pay the interest that wasnt supposed to be charged in the first place. Not only have they refused to credit the interest, Ive received late fees on top of the balance and they have since closed my card and reported negatively on my report.
Product: Debt collection

I was wrongfully sent to collections due to management 's gross negligence and unethical practices. I should have never been reported to the collections company, XXXX XXXX. My insurance company, XXXX, paid XXXX 's XXXX  XXXX ( XXXX XXXX XXXX  ) for their claim. It is inappropriate and unethical to file a claim on someone's insurance and then send them to collections without any follow up. They have destroyed my credit. 

XX/XX/XXXX, XXXX Moved out of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX XXXX TX XX/XX/XXXX, XXXX XXXX XXXX XXXX  reported a loss to my insurance XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened a collections account against me with Hunter Warfield ( Account # XXXX XXXX ) for {$2800.00}. 
XX/XX/XXXX, XXXX XXXX settled the claim and paid XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX assured me that the entire debt will be cancelled with Hunter Warfield . 

Management is refusing to provide copies of all bills communicated to me after XX/XX/2021 or an itemized bill that was assessed for the alleged damages. 
No one contacted me or sent me any form of communication that I still had a balance pending. 
No one cancelled the collections account in XX/XX/2021 when the balance was paid in full by my insurance. 
Today this account is still being reported against me on XXXX with no updates since XX/XX/2021. 
Not only has this issue affected my ability to refinance my vehicle, apply for a mortgage, but now it is affecting my ability to get a rental home. 
Enough is enough, this has gone on far too long and caused incredible hardship affecting me and my daughters. 
XXXX confirmed that the negative item that denied my application is Hunter Warfield ( Account # : XXXX ). 
I don't have 30 days for XXXX to review my dispute and make a decision. this needs to be completed deleted, i should have never gone to collections. I need to find a home for my children within the next 7 days or I will lose my pending job offer! I can't apply to any rental properties till this item is off my credit report. No one is taking responsibility for this egregious oversight that has been detrimental to my life and lives of my children.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

XXXX XXXX turned over an already paid bill to Online information to collect an already paid bill. XX/XX/2015. The bill was paid in full in XX/XX/2015 by Property management company In XXXX XXXX, Fl I never received anything from XXXX XXXX or Online stating that my bill was still open. I have receipts showing that its paid. I found this on my credit report which is completely false. amount {$180.00}
Product: Credit reporting or other personal consumer reports

Good morning I'm presenting a complaint of the following companies. 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 USC 1681. XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX XXXX, XXXX # XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to 15 USC-1681 ( E ) ( B ). 15 USC 1681 Section 602 A. 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 1681c ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 1.Account Name : XXXXXXXX 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 XXXXXXXX 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 a account without my written instruction.
Product: Checking or savings account

I was working for XXXX XXXX and am no longer working for them. I signed up for COBRA for vision/eye care. I signed up for direct deduction from my checking account on XX/XX/2023. At this time I had my account debited for {$72.00}. Then on XX/XX/XXXX I was also debited {$72.00}. The company listed for the debit on the account is listed on my statement as XXXX XXXX XXXX XXXX. I brought this to XXXX customer service and they were unable to see the deduction on XX/XX/XXXX. I sent several copies of my bank statement but they could not open it. I eventually contacted Chase and they challenged and removed the charge from XX/XX/XXXX. XXXX then recharged the amount + the next 2 months which totaled {$100.00} but still has not acknowledged the deduction of {$72.00} on XX/XX/XXXX. Chase refused to remove/challenge the XX/XX/XXXX charge and told me to speak with XXXX XXXX tells me they do not see any money received from my account on XX/XX/XXXX and tells me to deal with my bank. The last email from XXXX XXXX at XXXX acknowledge everything but the XX/XX/XXXX deduction of {$72.00} and was sign at the end with TAKE CARE. I am caught between 2 entities that want me to deal with the other and will not contact each other to assist. XXXX is stubborn and refuses to acknowledge transaction they can not see and Chase is unprofessional in refusing to assist a long time customer even though they have the proof that I need. XXXX has acknowledge receipt of my bank statement but has still not addresses the XX/XX/XXXX deduction. There are 2 XXXX case # 's because they closed the first and had to open a second when I complained again XXXX First case # XXXX and second # XXXX Chase claim # XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. On XX/XX/2022 I transferred money from my TD checking account ( using XXXX ) to my XXXX XXXX checking account in the sum of XXXX XXXX dollars. The money was never received by XXXX XXXX XXXX XXXX. Following many trips to TD bank to try to rectify the problem, TD has refused to return the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XX/XX/XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.
Product: Debt collection

I have a balance at a previous university and because of this, they have a hold on my transcripts. They said if I worked with the collections company that has my debt, they will release the transcripts. I contacted the company and made the required upfront payment and I am very concerned with how this company handles my personal information. I called to make this payment on XX/XX/2023. When the individual answered, I told them why I was calling and they said they could help and asked if I was 'MY NAME '. I am, and so I responded with yes. Then the individual read off my SSN, DOB, address, email, and phone number to me asking if this was accurate. I could of been anyone and this individual gave out every piece of personal information I have. They didn't ask to confirm it and have me read out the information, they read it off themselves. This is an unethical example of handling personal information. I have canceled my card and plan to contact the school to find a new method of handling this debt.
Product: Checking or savings account

On XX/XX/year> I made a purchase at XXXX 's XXXX in store for XXXX. After I left the register and upon checking my checking account balance I noticed that I was being charged twice for the total of XXXX. I went to the customer service desk and told them that I was charged twice for XXXX transaction. The employees denied that they have charged me twice and said that they only show XXXX transaction on their end and they refused to return the money. I have returned the merchandise and they issued a refund for XXXX but I was charged twice for XXXX total. They did not refund the other XXXX. I have filed a dispute with Credit Karma Money that the issuer of my checking account the same day. I explained what happened and they opened a dispute on XX/XX/year>. The XXXX was reversed to my account the next day but on XX/XX/year> I received an email from Credit Karma Money that they denied my dispute saying that the reason was because I got the refund credit but the refund was for the merchandise that I returned and they only refund me for XXXX and not XXXX. XXXX 's XXXX took the reversal of XXXX back so once again I'm XXXX short. I contacted Credit Karma Money again and they reopen another dispute. On XX/XX/year> they denied my dispute again saying that I authorized the transaction which is false I only authorized XXXX transaction not XXXX. I made a return and got refunded for XXXX but I was charged for XXXX. I don't think they even do the investigation and they don't even understand the reason of my dispute. Because of this I was short on my rent money but they are careless. I need this money back to my account!
Product: Debt collection

I paid XXXX XXXX  to do my credit report on debt collection and I felt I was being robbed cause XXXX still report third party collections so I left XXXX XXXX and stop payment with this company
Product: Credit card or prepaid card

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they ar e in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subje ct to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Please abide with the law in order for this matter to be resolved promptly. This is the unverified account that needs to be corrected : XXXX XXXX XXXX XXXX XXXX : {$340.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about about this multiple times they keep violating my right under 15 USC 1681b. I also have attach the hard inquires that don't have no purpose to be on my credit report.
Product: Money transfers

I had sent {$1000.00} to repay my education loan in XXXX through Western Union. I made this transfer on XXXX of XXXX, 2016 ; However, they have not delivered my money yet as of XXXX XXXX, 2016. I have made tons of phone calls to customer care and I have never gotten any satisfactory answer 's other than wasting hours together during my day job. So, I made an attempt to track the transaction through my bank, On XXXX XXXX Western Union has sent the money through their partner Yes Bank to my bank. However, due to some technology transformations my bank did not process the transaction on the same day. SoXXXX Bank reverted the transaction on XXXX of XXXX and deposited to Western Union account which is register with XXXX Bank. When I being a customer can track this transaction so easily, Why is Western Union is taking so much time to do this? I feel something is not right in this case. I should have never trusted Western Union! I have complete email details from the XXXX Bank who has deposited my money to Western Union Account.