23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, XXXX, my wife XXXX XXXX and I checked into XXXX XXXX XXXX  in XXXX, OK on an XXXX 3 day reservation she had booked. We paid with my Citibank credit card # XXXX for {$420.00}. 

Several hours into our stay XXXX called us to say we must leave immediately. Apparently because of my past criminal history I'm not allowed to stay at an XXXX. So we left. The hostess assured us along with the XXXX representative that our money would be refunded. 

We never received a refund. I contacted Citibank to file a dispute. XXXX then replied to Citibank sending them a copy of the contract. Citibank refused to reimburse me. I never got to stay at the XXXX XXXX XXXX so why is XXXX allowed to charge me if they kick my wife and I out. 

I will to be reimbursed my {$420.00} from XXXX that they stole from us.
Product: Credit card

I received a letter from Kohl 's that I had applied for a store credit card. I had not. I subsequently received a letter that I was denied for that Kohl 's card. I contacted Kohl 's to let them know I did not apply for a credit card. They directed me to XXXX to report. I contacted XXXX and received a copy of my credit report. It had a hard inquiry listed for the Kohl 's card dated XX/XX/24 and another for a credit card with Capitol One for XX/XX/24. There was also a XXXX address listed in my personal information ( I have never lived in XXXX ) and a residential phone number that has never belonged to me. Called XXXX  and requested this information be removed from my credit reported and placed a freeze on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX  XXXX  XXXX  in my credit report as a charge off account with XXXX XXXX XXXX. And I have asked them to investigate this item and send me proof of this account and they have not sent me proof but told me that account was verified. And have not sent me proof of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is with TransUnion. TransUnion wrote a statement saying they verify bankruptcy through LCI/bankruptcy courtXXXX. I wrote them back after that with copy '' s of all three LCI/Bankruptcy court letters stated they do not verify. XXXX couldn't verify so they deleted the bankruptcy from they report. I sent that in as well. 30 days later TransUnion send me a letter stated that my letter along with supporting documents and proof of my identity seem like a third party sent information in and not myself.
Product: Student loan

I have been paying on my student loan since 2007 and i have had several issues with the current company that has the loan. They will send a monthly statement and will have an amount due which might be XXXX dollars but every month i send the same amount of XXXX dollars that is taken out of my bank account 5 days before due date. Some months they call me and my co signer saying my account is past due or i didnt make a payment and i will have to make another payment or they will not quit harassing me or my cosigner. We are fed up with the harrasing calls and the unorganization of the student loan provider.
Product: Credit card or prepaid card

I purchased furniture from XXXX in XXXX. They did not send the furniture complete. 
Said the parts would come in XXXX. I never received the bill and it caused me to go late on the report. I returned and got my money back and my late fees back but the late payment history is still my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked, and it 's coming out that they have really put the bare minimum into their security ( supposedly an important username/password for one of their systems was " XXXX '' / '' XXXX '' - which is just crazy, to be honest ). It 's actually bizarre how inept they are, and they have way too much important information to walk away from this unscathed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$2000.00}, {$28000.00}, {$0.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I asked for debt validation later that I signed and the law 15c1692 g information to collect this debt I never received but they still calling to collect when they dont have proof and its only showing on one credit report not all
Product: Debt collection

The creditor is Mercantile Adjustment Bureau , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX collecting for XXXX XXXX XXXX They are reporting negatively on my credit report and I have sent them several validation of debt request letters requesting them to furnish signed documentation as a validation of the debt and they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am filing a complaint due to the fact that my credit score is being affected by someone else 's loans. I looked at my credit report and found out my credit score with Equifax is affected by someone else 's actions. The person 's information is on my credit report for some reason I do not understand, but what I do understand is that my credit is being affected drastically because of what the other person is doing. On my credit report that I printed out on XX/XX/XXXX, it shows I have asked for a credit card with a balance of {$12000.00} in XX/XX/XXXX, a student loan of {$1400.00} in XX/XX/XXXX and another student loan of {$3500.00} in XX/XX/XXXX, and a car loan of {$13000.00} in XXXX of XXXX. In which all of those are under Equifax credit bureau. None of those are under my name nor I have control of those accounts. I would like to eliminate all those accounts and the person who is showing up on my credit report, because it is affecting my credit therefore making it hard for me to try to progress. I appreciate the time and look forward into finding a solution regarding my situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported XXXX XXXX  XXXX. for the account number XXXX The late payments are reported as being dated XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and I firmly believe this is inaccurate for the following reasons : 1. I have always made my payments on time, apparently they have administrative errors 2. Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Debt or credit management

XX/XX/year> {$100.00} company closed the account for none usage
Product: Checking or savings account

I am a victim of identity theft. I recently applied for an Associated Bank checking and savings account online and my application was denied. I have never had an Associated Bank checking or savings account. I was XXXX  from XX/XX/XXXX until XX/XX/XXXX, so I am definitely a victim of identity theft. I want Associated Bank to immediately delete and remove my personal information any fraudulent accounts under my name from their database and resolve this matter promptly. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Good Morning, this letter is in regards to my accounts that are paid off. I would like this information to be updated on all of my credit reports. All account should state paid in full with a positive history of payment. Please see attached proof of payment and positive payment history. 

The correct information is with XXXX -- -- Paid in full XXXX -- -Paid in full XXXX -- -Paid in full Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I spoke with a representative at Rent Recovery Solutions about their report on my wife and I credit. The report says collections/chargeoff. I have paid the balance off and was told by a representative at the Rent Recovery Solutions that the report will stay on my credit even though I have paid the balance. I then contacted CFPB and they helped me submit a complaint ( # XXXX ) against the company Rent Recovery Solutions XXXX The company responded and said that removing the report from my credit would take a some weeks to process. I contacted Rent Recovery Solutions in XXXX and they said that it takes 90 days to be removed from my credit report starting the day I reported the error to them in XXXX. It is XX/XX/XXXX and it is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to get the inaccurate information being reported by Experian removed from by report. XXXX  and XXXX  has revolved this matter without any issues and have updated this information of my credit report. I've submitted proof that these public records being reported by Experian have been unverifiable, also requested information used to confirm this information reported by Experian as accurate. This company has neglected by previous request and have violated the FCRA as they have not been able to provide this information as requested on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I'm simply requesting that this information be removed as they've violated Federal law. Experian has yet to provide any supporting documents as requested due to the fact that this information is being reported inaccurately by them and is impacting my ability to gain credit and financing for my dream home. 
BANKRUPTCY CASE # XXXX BANKRUPTCY CASE # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I initiated a transfer of {$4500.00} from my XXXX checking account to my BMO Harris auto loan. I had previously used my XXXX account to make a payment of {$470.00} on the first installment due date, XX/XX/XXXX. 

After initiating the payment, the webpage for making transfers to BMO Harris was rendered inaccessible, stating that my account had been put on hold due to issues verifying my identity. The hold notification instructed me to call XXXX in order to resolve the issue. 

Since then I have made six phone calls to the BMO Harris help line, most recently on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first five times, the customer service representative told me they would send my issue to their resolution team, who would send me an email declaring the hold removed from my account by the end of the following business day. So far, this has not happened. 

My most recent call on XX/XX/2023, ended after a nearly two-hour hold when BMO Harris hung up the phone after transferring me to the resolution team. This occurred two days before my scheduled auto loan due date, and I received mixed guidance on whether the initial {$4500.00} would be withdrawn from my account. 

The customer service workers have been professional, if still developing their XXXX proficiency. I consider this a failure of BMO 's management, if not an outright malicious attempt to discourage any behavior that would prevent them from squeezing every penny of interest out of their unfortunate customers. 

I can not imagine any resolution to this complaint that the bank and I would see eye to eye on, unless the directors of BMO Harris would be amenable to XXXX their institution to the ground.
Product: Debt collection

SeedFi sold a loan that I had with them to XXXX  after they went out of business. XXXX charged me with late fees even though I am current with my payments. They also have called me 10x since Saturday ( as of XX/XX/19 at XXXX ) to say that I have delinquent payments, although I have manually submitted payments as well as being on autopay. 

I've tried calling to discuss with a representative at XXXX corporate and can not get through. I've tried discussing with the rep that calls but they're offshore and then hang up on me. They keep calling and harassing me.
Product: Checking or savings account

To whom it may concern, I, XXXX XXXX of the XXXX of the XXXX family am writing you today as an aggrieved man. I was caused an injury and am owed a remedy. My debit card ending in XXXX was stolen and or compromised. A transaction I did not authorize and or consent to at a place called XXXX XXXX for {$160.00} took place, while I was at work. I checked my wallet and I do not have my debit card on my person. I do not know how this individual got my debit card pin number. I did not consent to nor authorize this atm withdrawal.
Product: Checking or savings account

I recently did a dispute on my SoFi Bank for fraud on a transaction with XXXX over $ XXXX was pull from my bank into tradestation it was an unauthorized transaction, I have an trade station account but I never used the platform I login once on a public library computer and that was it. 
SoFi I got me my money back, but now they freeze my account claiming I have to wait and holding my money against my will. I have a Son mom and wife to take care of. That money in my account was originally from my taxes. Now Im not able to access my money, Im writing this complaint because I seen people in the past have waiting months and they account have not been unfrozen I cant wait that long, I need SoFi to either unfreeze my account or write me a check with my money please.
Product: Credit reporting or other personal consumer reports

PENTAGON FCU XXXX XXXX XXXX, VA XXXX Denied me access to my credit account for over a year causing a payment to arrive late. Pentagon admitted to this grievous error appx. 1 year ago and finally gave me access to my account information.

Despite their admission in fault in handling of the account, they continue to report a missed payment that was due to their mishandling of the account.

I have attempted to contact Pentagon FCU and they have remained silent to my e-mails and calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of these inquires. These are clearly the result of fraud. Please help! 

I didn't authorize any of this. 

I didn't consent or willfully oblige any creditor or bank ... to use or access my credit file.
Product: Credit reporting, credit repair services, 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 USC 1681. 

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 CHILD SUPPORT ENF XXXX XXXXXXXX CHILD SUPPORT ENF XXXX 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 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, has violated my rights XXXX 

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 instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Student loan

I paid my {$3000.00} to my student loan on XX/XX/XXXX. XXXX transferred my loan on XX/XX/XXXX. 

Once my loan was transferred I logged in to pay more and noticed my {$3000.00} payment had not posted and I was still occurring interest. I called and they said they lost my payment even though I provided them with the confirmation number of the payment. 

They said it would take 60-90 days to before they would find my payment and I would continue accruing interest.
Product: Credit reporting or other personal consumer reports

I contacted Equifax to request the removal of outdated and incorrect personal information from my credit report. Specifically, I asked them to delete all previous addresses, phone numbers, and employment details and to update my report to reflect only the correct information : Name : XXXX XXXX XXXX of Birth : XX/XX/year> Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Equifax responded by requesting documents that I can not provide, such as a Social Security card, paystub, or W-2. As a former XXXX XXXX XXXX XXXX XXXX XXXX, I do not have these documents. I provided alternative forms of identification, including a copy of my passport, XXXX XXXX, and proof of my current address ( e.g. Untility Bill ). However, Equifax has not accepted these documents or updated my credit report. 

Their refusal to accept valid alternative documentation has prevented me from correcting my credit report, causing confusion and potential harm to my credit profile. I am requesting that Equifax be required to accept my alternative documentation and remove the incorrect personal information in compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

The company that is trying to contact an address that I do not live at, stating to pay debt that a different company ask for the money last month. I do not owe this debt nor am I aware of any of these charges, I successfully disputed it last month with my credit bureau due to fraud who ever used my information, Im not aware nor responsible and would greatly appreciate if information would stop being sold, as it is taking time from my everyday life.
Product: Credit card

I have American Express points earned through their program after the required spending. My points we delivered to my account however AMEX will not let me use them as offered in points program despite being listed as " available '' for use. Disingenuous to offer membership rewards points and not let the consumer actually use the points despite being earned. Unclear how this is n't fraudulent on AMEX 's part?
Product: Debt or credit management

Approximately two years ago, I signed an agreement with Meadowbrook legal and entered into a debt consolidation program. I was making payments to them in the amount of XXXX a pay period every two weeks this went on for about a year and a half up and killed the point to where I was out on XXXX XXXX. I could not afford to pay that money when I was told that there was no more money left in the account and then I was in jeopardy of defaulting the two credit card companies that they made a deal with this deal included monthly payments. This is not what I was told so I finally looked into my account and realized that 95 % of all the money that I gave them went into their pocket as fees, they did absolutely nothing. In fact, the one company that they said that they were actually an active negotiations with XXXX XXXX is now garnishing when I pay unfortunately, I have no path to recover this money or any of it or I dont believe I do, I did it in good faith, I can not believe companies like this exist, and now my only option is declare bankruptcy
Product: Credit reporting or other personal consumer reports

I don't have any knowledge regarding the unauthorized inquiries on my credit report so please do check the documents I've sent.
Product: Debt collection

has contacted my employer, including calling my place of employment during after hours and speaking to our answering service
Product: Credit reporting or other personal consumer reports

XXXX Account number XXXX. is reporting an open debt that is incorrect this has been paid and the account needs to be deleted, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law I intend to follow through with this if it is not rectified and I am compensated immediately