23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

For several weeks, I tried calling TARGET 'S number listed on the credit card bill to talk to someone but kept getting disconnected. How is a consumer supposed to communicate with their credit card company if the number is not valid? I got through once, was transferred and spoke to a person named XXXX about not receiving my credit card that i signed up for, and that bills went to my OLD address. I told XXXX that I wanted help with some of the fees as i have not even received my credit card and i accrued a couple of months worth of late fees. XXXX told me her supervisor would call me within 24 hours but she never did. Meanwhile, while i was waiting to hear from Target 's management, I made a payment of {$40.00} ( the total bill was {$100.00} ) to avoid another month 's late fee but the company added another month 's worth of late fees, while I was waiting to hear from the supervisor. I kept trying to call the number on the credit card bill to talk to someone but could n't get through, again. So i decided to write a certified letter addressed to the CEO but never heard from anyone after a month! I found another number for Target after doing a google search, called that number, spoke to an XXXX XXXX, explained the situation, but no help whatsoever. I told XXXX, i want to speak to a manager. He said, " I made a case study for you and a manager will contact you in 24 hours, '' but AGAIN NOONE CONTACTED ME. It 's been around 4 months now, I still have n't received my credit card, accrued 3 month 's worth of late fees and charges, and no manager has contacted me when on XXXX occasions, i was promised that a supervisor would call me. What kind of customer service is this?! In summary my complaint is as follows:1. Lines of communication between Target and consumer is unacceptable. The XXXX XXXX number on their credit card bills DISCONNECT you when you press " XXXX '' to speak to a representative. 
A. On XXXX occasions I was promised that a " supervisor '' would call me within 24 hours to discuss my predicament but never heard from a supervisor, empty promises and lies. 
B. I sent a certified mail to the CEO but never heard from anyone at corporate office. 
2. Never received my credit card in 5 months since i signed up to open the account. 
A. After speaking to XXXX who said i should have the credit card renumbered ( in case it 's stolen ), she transferred me to a different department, but while waiting on hold, I was disconnected, again! 
XXXX. A bill was {$100.00} so i made a {$40.00} payment to avoid other late charges/fees, but they still added another {$35.00} late fee, WHILE I WAS WAITING FOR A PHONE CALL FROM A MANAGER TO DISCUSS MY CASE. 

All in all, I feel NEGLECTED by Target 's management team. I tried to resolve my {$90.00} worth of late charges/fees with the corporation by sending a CERTIFIED MAIL and waiting for a supervisor to call me back but noone from management has tried to contact me. This is unacceptable and I want people to know about their terrible business practices. And i want the {$90.00} worth of fees removed, along with some penalty for the company. I will never shop at Target again.
Product: Debt collection

They have been sending me emails everyday threatening to sue me or have me put in jail for i dont pay debt i own i lost my income so i am unable to pay the collection i date have the dates but this situation have really put me in a XXXX really bad and the fact that i can pay the collection {$600.00}
Product: Checking or savings account

On XX/XX/2022, Someone who forged my identity ( had a fake ID ) visited a chase branch to withdraw money from my account and was turn away because the banker noticed the difference in signature. The banker who turned down the thief left a comment on my account to be cautious. The thief continued to purse another chase branch and took {$3000.00} out of my chase checking account. He/She wrote a withdrawal slip with a forged signature, not only was the signature very different from my original signature, my name was actually spelled incorrectly. The second banker did not noticed and authorized the transaction. 

I filed a claim immediately and was able to get reimburse for the money stolen but by this incident, it demonstrate that in some of branches, chase did not properly train its bankers to handle cash withdrawal through the proper protocols to verify one 's identity prior to authorizing withdrawals. I'm quite disappoint at how incompetent the banker in Chase branch is and how can we trust the bank to manage our money.
Product: Credit reporting or other personal consumer reports

inquiries that was reported to my credit report that i dont recognize. 
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  that was open by somebody else. They couldnt make it any charges. card got closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection information from XXXX XXXX needs to be removed with immediate effect this does not belong to me. See attached for letter from XXXX. Thank you
Product: Credit reporting or other personal consumer reports

Hello, I would like to initiate an investigation into these accounts due to concerns about their accuracy on my credit report. These accounts were removed in the past but have been reinstated without my knowledge. I did not receive any notification or mail regarding their reappearance
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, and EQUIFAX is reporting account information without proper consent or authority. The account information is associated with identity theft and other criminal activity. 

The XXXX credit reporting agencies also failed to take reasonable measures to prevent my identifying information from being used, shared, and sold, after having knowledge of the identity theft and criminal activity. 

I have discovered more criminal activity on the credit report and have filed another identity theft report to have the account information block and permanently deleted.
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/year> and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) 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. 

They must be XXXX because everything is inconsistent
Product: Debt collection

Around XX/XX/XXXX my personal belongings ( phone, credit cards and debit cards ) were stolen by my abusive ex boyfriend. I was in a XXXX XXXXXXXX situation. 
After I got the police involved and retrieved my items, I found out he had made unauthorized purchases with my cards and open line of credit in my name using my information and out of XXXX. 

I contacted my bank to report the fraudulent transactions and I was refunded. I was advised by my bank to contact Affirm as one of the transactions this person opened was with Affirm For a loan. 

I contacted XXXX and explained the situation to them and requested a cancellation of the transaction as it was fraudulent. They informed me that I would have to reach out to AFFIRM directly to cancel the loan. 

I reached out to Affirm and reported the situation requesting that the loan be closed as it was performed Fraudulently. Affirm insisted that they will not close the loan and that i have to pay it because I had other loans opened with that merchant. I explained that because I had other loans open with them does not mean that this was not FRAUDULENT. 

I went over the incident with a manager I spoke with and explained my XXXX XXXXXXXX situation and how personal belongings were stolen and I did not authorize this particular transaction. It fell on deaf ears. 

I insisted to not pay the loan because it was fraudulent. I requested that they provided me with documents as to how they arrived at their conclusion that it was not a fraudulent transaction, I was ignored. 

I have been contacting them for weeks and no one is responding to me. Instead I get threatening emails and text messages that they will report to XXXX and send the balance to collection.
Product: Debt collection

I keep getting calls from XXXX ( XXXX ) XXXX. Multiple times a day, all times of day. They keep calling to my work line. Whenever I pick up, they hang up immediately, but still continue to call throughout the day. I finally called back to find out it was a number associated with BMW financial. I do not own a BMW, and have been at this same work line for over two years. This is the first time I have gotten calls from this number. I finally was able to speak with somebody around XXXX on XX/XX/XXXX to ask them to take me off of their list. I explained that this is a work number, it is my direct line, and I have nothing to do with a BMW, and never have. I asked them to quit calling me, and again told me to take them off their list. They said my direct line is associated with an account they have. I explained to them that there is some sort of mix up, and that somebody gave them a wrong number, and they need to quit calling as this is a business line, and the person they are trying to contact is not at my work line phone number. She said they would make a not on the account. I asked to speak to a manager and she said she did n't have one. 

I came into my office this morning, and low and behold there were another two missed calls from the same exact number XXXX, from XXXX XXXX the night before. After I spoke to the person that said she would put a note on the account. Please stop these calls, this is a business line and incredibly unprofessional to be harassed constantly with these phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX XXXX XXXX to validate two accounts that showing on my credit reports. XXXX XXXX XXXX  is reporting two credit card accounts, both open and closed on the same date, both with the same account # ( XXXX ). They are also reporting that these credit cards with a different address. I advised them several times, in writing and though telephone conversations that these account are not mine. They advised me to send a letter though fax to dispute /validate accounts. I faxed attached letter had have not received a validation on either account. 
Each time that I send Experian letter to inquire about these entries on my credit profile, they send the same standard response. THE INFORMATION HAS BEEN VERIFIED. 
I asked that Experian and XXXX XXXX to send me a signed copy that I agreed. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) if they can not send me a signed contract or send Verification they must delete the entry. 
I would like these accounts removed from my credit report, since Experian never took a serious look at my disputes.
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 XXXX XXXX XXXX. 

Account name : # DEPT OF ED/XXXX  Account number XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX 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 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: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and address a matter of utmost importance concerning the rejection of my dispute due to a missing address on my FTC report. This issue not only violates the Fair Credit Reporting Act ( FCRA ) but also raises concerns related to the Fair Debt Collection Practices Act ( FDCPA ). 

Issue : I have been diligently working to rectify inaccuracies on my credit report, specifically regarding the [ XXXX Account ]. In my recent dispute submission, TransUnion rejected my dispute due to a purported missing address on my FTC report. This rejection not only undermines my rights under the FCRA but also raises concerns regarding the handling of my dispute, which falls under the purview of the FDCPA. 

Updated Information : I have taken immediate action to address the missing address concern on my FTC report, ensuring that it now reflects my current and accurate address information. 

Request for Reconsideration : I hereby request that TransUnion reconsider my dispute, taking into account the updated information on my FTC report. I urge TransUnion to conduct a thorough and fair investigation into the inaccuracies associated with the [ XXXX Account ]. The FCRA obligates credit reporting agencies to promptly correct inaccuracies and conduct reasonable investigations into consumer disputes. 


I want to emphasize that this issue extends beyond mere inaccuracy on my credit report. It involves a potential violation of my rights under the FCRA, which was enacted to protect consumers like myself from the consequences of erroneous credit reporting. Additionally, I have concerns about compliance with the FDCPA in the handling of my dispute.
Product: Vehicle loan or lease

TD Auto Finance still has a lien on my vehicle. I paid it off in XXXX  so there is no reason for this lien to still be on the vehicle. Ive tried calling through various numbers over the span of a week but the Auto Loan department is not available.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : Experian, XXXX, XXXX, Clarity Services ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXX XXXX  ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my XXXX resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit XXXX that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me.XXXX XXXX XXXXXXXX XXXX .... and XXXX XXXX XXXXXXXX XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect information on my credit reports with XXXX, Transunion and XXXX  for months with no communication or results. I will attach all my letters to prove that I have worked relentlessly to have this work done by them.
Product: Mortgage

XXXX was processing a loan modification for us, and the process took several months. We were informed they had stopped the process in order to sell the loan, then sent correspondence stating they were not going to sell the loan, so the modification process was started over. I had to inform them ( XX/XX/XXXX ) that my husband was hospitalized and I was diagnosed with XXXX. All of a sudden we were notified that the loan was sold to Green Tree. Green Tree immediately started another modification which did not go through ( apparently because XXXX had recently ended one ) and they entered us into a repayment plan, to begin on XXXX XXXX, XXXX. Then Ditech and Green Tree merged apparently ... ( Green Tree was involved in major fraud lawsuits ). We completed the repayment plan as outlined in writing XX/XX/XXXX, under Ditech. We paid {$17000.00} to DITECH ( when supposedly we only owed {$13000.00} ) We did not receive a bill in XXXX so we called to find out what was going on, since we had completed all of the balloon payments in the plan. At this time we were informed Ditech was foreclosing on the house without any explanation. They started another loan modification XXXX XXXX, XXXX, and we received a letter Saturday, XXXX XXXX, XXXX stating again that they are foreclosing without any negotiation etc, and the letter is dated XXXX XXXX, XXXX ( but postmarked XXXX XXXX ). It is all over the internet that these companies inlcluding XXXX, Green Tree and Ditech are committing mortgage fraud and have been sued. Many people do no have the financial resources to fight XXXX XXXX, who owned Green Tree and owns Ditech. We are struggling to get a lawyer at this time and would appreciate your intervention, or any help you can provide. You can find a sampling of very simmilar cases listed here on XXXX : XXXX We definitely believe we are victims of Mortgage Fraud, and that they are simply foreclosing on our property instead of negotiating to collect the " insurance '' they have through XXXX XXXX . We also have no idea when we supposedly got a " XXXX XXXX '' loan, we were not aware we had anything other than a normal mortgage until all this happened. We have ALL THE PAPERWORK, CORRESPONDENCE AND BANK STATEMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance. I was relocated for my job and the last months rent was paid, however the assistant manager of the apartment complex failed to apply the payment and consequently sent me to collections in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

Took back the money that I had got from a gig that I did from a job off of XXXX  More than XXXX close my calendar after hours a gold member valued member
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find incorrect accounts appearing on my credit report, and I have no clue how they got there. I check my report regularly, but this time, unexpected errors popped up out of the blue. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Im really concerned and need the documents I've sent to be reviewed carefully, so I can stop worrying about this issue once and for all.
Product: Student loan

I applied for an income driven repayment plan because as a first year XXXX XXXX I can not possibly afford to pay standard payments for my federal student loans. I will go into forbearance if I do not start repayments in less than 2 months, but the federal loan service has been sending me messages stating that they will not even consider me for the income driven plan until closer to the time I have to start paying back my loans, which is not until after I will go into forbearance. They have put me in an impossible situation and as a XXXX XXXX who is already making barely enough money to survive on, I can not wait for this arbitrary date that the federal loan service has chosen before they will even consider processing my application.