23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX or XX/XX/2016 I opened a new account with Citi through XXXX XXXX, it is a double cash card. I opened this account because they offered a 0 % interest on purchases and balance transfers for 18 months. I recently looked at my statements and noticed that they charged me interest. So I messaged them to inquire why they were charging me interest, and they told me the 0 % offer was only on transfers and not on purchases, that the 0 % offer for purchases ended XX/XX/2016. I asked how the offer could expire on the day I applied and was approved for the card, ( give or take a few days ) and they kept repeating that the offer was for balance transfers. I know they are being dishonest, I NEVER open cards with an interest rate on purchases, especially one as high as they are charging me, 19.24 %. It would n't even make sense to open a card with interest on purchases, as I had many offers with 0 % I did my homework, I looked at lots of cards, and I chose this one because they offered the longest 0 % rate on purchases and transfers. I feel like they are bait and switching customers and I think it is illegal to use such deceptive credit practices.
Product: Debt collection

i have no idea who the company is, i have no contractual agreement with them and they have not provided me any, they took my information without my authorization which is identity theft
Product: Credit reporting or other personal consumer reports

I paid off my Nordstrom card back in XXXX. They are still saying on my credit scores that I still owe the full amount. They are the only one of my accounts not reporting correctly as Ive paid them off at the same time. 
I disputed this information and now theyre saying Im over my credit limit on my credit report and that I still owe. 
I would like this to be reported correctly as a XXXX balance due. 
The amount that I paid in full was certainly taken from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two companies ( XXXX and XXXX XXXX XXXX are reporting inaccurate information on my credit report that is ruining my credit rating. They agreed to remove but still being reported to one or more bureau with the same information. 

XXXX XXXX has multiple accounts listed on my XXXX  report with the same account number. All of which are paid off but also showing that I owe {$270.00} which isn't accurate. 

There is inconsistent details showing in my personal information that needs to be addressed. Inaccurate information enhances the possibility of identity theft for an example. I have several inquiries that were not authorized and may have been affiliated with addresses I don't reside! XXXX XXXX XXXXwas an unauthorized inquiry at all bureaus. XXXX/XXXX  is an unrecognized/unauthorized inquiry from XX/XX/2018 on XXXX and XXXX is an uncrecognized/ unauthorized inquiry on XX/XX/2018. 

I have disputed on numerous occasions but the information is still inconsistent.
Product: Debt collection

I received a bill. It directs me to a website that is not valid. The phones listed are only automated. The letter doesn't provide any information about the original debt I paid a debt for a parking ticket in may and I do have proof. 
1. the website XXXX is not valid 2. the number listed XXXX 3. no information about the original debt. 
4. I think this is related to a parking ticket XX/XX/23 5. I included a copy of the ticket 6. proof of payment on XX/XX/2023 is also included
Product: Mortgage

IN XXXX WAS IN ACCIDENT COULDNT WORK TRYED REFINANCING W/ WEL FARGO HAD EVERY EXCUSE IN BOOK HIRED A LAWYER TO HELP STAY IN HOUSE IN XXXX BANK FORCLOSED ON HOUSE. NOW 11 YEARS LATER I AM RECEIVING A CHECK FROM WELS FARO AND A LETTER STATING THAT WHEN I WAS TRYING TO REFINANCE MY HOME A ERROR ACCURED AS A REULT THEY SENT ME A XXXX. XXXX. 
THE XXXX DOLLERS IS A SLAP IN MY FACE FOR ALL I HAVE BEEN THREW LOOSING MY HOUSE OF 20 YEARS
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name XXXX XXXX XXXX XXXX XXXXn Account Number : [ XXXX ] Date of Charge Off : XXXX Amount : [ XXXX ] I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts XXXX XXXX XXXXAccount # : XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXXXXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$0.00}. Inquiries : In XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple phone numbers and addresses in my credit file that do not belong to me.
Product: Credit card or prepaid card

I had noticed several unauthorized transactions on my netspend prepaid card. I noticed theses transactions on XX/XX/2021the transactions took place Saturday XX/XX/2021. I did not recognize the merchants name and it was four transactions in total on my all access net spend card. I contacted netspend in the secure email area on the on line banking netspend app. Sent them a message asking them to find out who and what this is from and dispute the charges. In the interim, I did some online research of said company in question. Turns out this is an online us casino. I explained to netspend that I have four roomates in my home when they asked me how did some one get access to my account. I said it's rather simple if my purse is or was unattended for awhile, I take showers, go check mail, walk my dog ect. All with out bringing my purse with me because I would think your purse is safe in your own home! So a couple hours later netspend sends me and email asking for me to call the right away. I call all to be told by a rude representative who I could barely understand say netspend locked, blocked and closed my account due to suspicious activity. I said what? The representative hung up on me!! I called back getting another thick accent representative, I was told the same thing once again however I said ok. That's fine but I need my money off of the cards that are remaining. The rep mumbled something and again hung up! I've tried sending netspend emails, three to up until today 's date .. I have received nothing no correspondence back. I have money on the account!!! On top of that my stimulus check is in route, I told netspend that the second phone call I made, the rep said well the irs will just send it in a paper check. I said wow ok but I still have over XXXX in the acct now as we speak that they are refusing to return. I need help, this is beyond wrong. I need help immediately. Please some one help me!!!
Product: Bank account or service

I am a military member of navy federal credit union. I was looking for a part time job, and was contacted via email on a at home job offer. I was mailed a check for suppliessupplies I deposited the check in my account at the local navy federal, and was given the direction to send a XXXX to the supplier. Not realizing it was a scam due to my hopefulness and being excited about bringing in some extra cash. Once I realized that it may have been a scam I contacted navy federal. They informede there was nothing they could do till the checked cleared as fraudulent. So security locked my account, and told me to come back in a week and they would see what they could do. A week goes by and my account goes - {$2800.00}. The check was indeed fraudulent. I went to the bank and asked if I could make some type of payment arrangement because I could not afford paying that amount back. They told me no, I 'm responsible for the charges and there is nothing they can do to help. I spoke with a XXXX XXXX bank and they said navy federal should have been able to tell the check was fraud before they allowed me to cash it. And I specifically remember the bank teller being unsure of the check and asking her supervisor about it but the supervisor said it was fine. I understand my mishap, but navy federal bank tellers are horribly trained to look for these fraud checks. So now I am behind on all my bills on my navy federal account which includes my car loan personal loans and credit card and line of credit. I was already financially struggling, now I 'm in a black hole. Navy federal will not do anything to help me. Now with no money because I did not receive my last check because it went to the negative balance, no money for next check, behind in all my bills including rent with no help from anyone. How is it that navy federal has no protection for there military members and families. How is it that the people that serve your country can end up homeless and hungry, and in even more debt because of a scam, and their bank not care. I understand my fault, but being in the military I forgot about the scumbags in the world that prey on innocent people looking for a better chance in life.
Product: Credit reporting or other personal consumer reports

After looking at my credit report XX/XX/2023 I noticed inaccuracies from XXXX XXXX auto finance account # XXXX Open/closed XXXX XXXXXXXX AUTO FINAN was knowingly reporting inaccurate information on my credit file. 
I disputed alligations with experian credit agency based on inaccuracies. The investigation concluded XXXX XXXX was reporting incorrect balance and/ or errors on my credit file. 

The agency modified my account from original balance of XXXX to XXXX XXXX displayed accuracy reporting errors during EXPERIAN 's investigation. Agency modified reporting account, instead of removing XXXX XXXX off my credit report. My resolutions was remove off credit report not modify findings.This is my follow up to my unresolved investigation.XXXX XXXX  has violated my rights according to ; 15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( XXXX ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681.

Account name #,,, Account name #, ,Account name #,,, Account name #,,, ,Account name # 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

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

My ex husband owes a debt, we do still talk and sometimes he comes to visit me. However I am the only person on my lease and I pay all utilities. He apparently owes a debt that has been purchased several times over and LVNV funding now has the debt. This woman came to my door XX/XX/XXXX and hung out for 10 minutes knocking on the door, ringing the doorbell, until I answered to get her to get her to stop, she gave me papers showing that they were going to sue him. I explained to her Im the ex wife and hes in the XXXX XXXX  in Texas. And I dont know his return date because that is the truth. Now she has come back at XXXX on XX/XX/XXXX I was sleeping because Im an XXXX XXXX  and I work night shift, luckily my dog was not here to wake me up, because when she knocks he barks nonstop. When I woke up I saw on doorbell camera, she was hanging out after doing her usual ringing and knocking, she was there for probably 5 minutes. She came again today XX/XX/XXXX at XXXX and her ringing of the doorbell and constant knocking woke me up, because again Im on nights and I had a XXXX XXXX today, and I was trying to nap to be able to pull an all nighter studying. She is now causing me distress and this isnt even my debt, I am divorced from the debtor. I made that clear the initial encounter.
Product: Prepaid card

On XX/XX/2024 I purchased an AMEX e-gift card worth {$500.00}. Eight days later while trying to redeem the card, I realized multiple purchases had been made on the gift card from different locations without my authorization. I immediately called AMEX customer support to report the case and open an investigation. They responded and opened an investigation with case number # XXXX and assured me that at the end of a 45-day investigation they will refund the amount through a mailed check. 

I called biweekly to check the status of the case and spoke to over 6 different representatives and they claimed they had no information to give on the ongoing investigation. At the end of the 45 day wait they said the investigation team had not given any new information on my case and so I have to keep waiting. I started becoming suspicious when one representative started asking me for personal details which I declined to give and he threatened me saying if I did not fill out a specific form the case will not be addressed ( this was after the 45-day wait was complete ). 

Today makes it 62 business days since I opened this investigation and I have still not received any proof of a resolution or refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called into all 3 major credit Bureaus ( XXXX, XXXX, and Experian ) for the last few years ( on and off, every 3 months or so ) and informed them of an issue I had when my information was stolen and used for fraud ... they refuse to acknowledge this or would deny my disputes. Their customer service would not help and take care of the negative inquiries and accounts reporting to my credit report. Ive been fighting about this for years. 

Some of the inquires that came up on my credit report during this time my information was stolen and being used were ... 

XXXX XXXX XXXX XXXX XXXX  ( one inquiry is in fact mine, but there is an older inquire that was not me and isnt mine ) 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 And XXXX XXXX/XXXX  XXXX There are probably others but those are the main ones Ive been trying to dispute. My identity was stolen and used to try to get something from these companies by an ex-roommate. I KNOW that this happened due to a previous investigation I did on my own. But these credit Bureaus are refusing to work with me about this, so now Im trying to reach out to companies/people above them. I need help with this. I shouldnt have to suffer because of someone elses criminal actions. So, please ... help!
Product: Credit reporting or other personal consumer reports

Billing errors were on my report. I was never late on any of my accounts. You can not report inaccurate information this a violation FDCPA false misreporting please update account to current and paid as agreed on time. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. This is for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Product: Vehicle loan or lease

Theres a few inaccuracies on my report and this is one. This account has been closed since XX/XX/year> and has been reporting missed payments on my credit. This particular account is negatively impacting my credit and I would like it removed to insure a more positive outcome in obtaining credit. Here is the account I would like for you to verify as accurate : Credit Acceptance corporation
Product: Checking or savings account

On Saturday XX/XX/2020 someone accessed my account without my knowledge and attempted to send themselves money through XXXX with the name XXXX XXXX. On Sunday XX/XX/2020 I called USAA and informed them, they told me that my account had been compromised and that they fixed it. Later that day my account was once again compromised and a deposit of {$2000.00} was made. The person was named XXXX XXXX, they sent themselves {$330.00} through XXXX once more. The moment I realized someone was in my account I called USAA in tears. The created a fraud claim and told me to call back on Monday XX/XX/2020 at XXXX my time for an update. I called today Monday XX/XX/2020 and was informed that the fraud department found that it wasnt fraud. I was then told to create a dispute because the person on the line didnt understand how it wasnt fraud. I was then on the phone with USAA for an hour and a half being transferred by multiple people just to be told that they will open yet another fraud claim as well as a dispute. Before this my account had {$140.00} my account now has - {$190.00} that I can not afford due to being laid off cause of COVID-19. They told me it would take YET ANOTHER 1-2 business days to figure out what has been happening. USAA has been no help throughout this and has put me through more emotional damage and trouble than the initial experience.
Product: Credit reporting or other personal consumer reports

I have reported a case of identity theft regarding the disputed account the account was removed and the put back onto my credit report. I have request that all XXXX credit bureaus investigate the matter, and the account was deleted from my credit report by Experian and then it was put back. Recently the account was found to be incorrect and removed by XXXX, who deleted the account in question from my credit report. How is Experian not removing the incorrect account from my credit report, I have brought this matter to Experian 's attention numerous times, they are unwilling to remedy my grievance. I need your help. I am including a copy of the deleted account from XXXX.
Product: Credit reporting or other personal consumer reports

My personal info was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX - XXXX, Bal- {$5400.00} Date opened : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Bal- {$770.00}, opened : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX- XXXX, Bal- {$1100.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX, Bal- {$500.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX, Bal- {$700.00}, opened : XX/XX/XXXX XXXX
Product: Mortgage

I sold a house end of XXXX and the end of XXXX I received a letter from HUD stating that I had an unpaid balance that was due at the time of the sell. Now the Treasury is attempting to garnish wages to satisfy the debt that was supposed to be paid by Carrington Mortgage when the check to payoff the entire debt was sent to them. The Treasury took my income tax return to help rectify the balance but I did not owe it. It should have been satisfied at the time of the sell. Now Im back tracking to get help in resolving the issue and get my refund back of almost {$7000.00}. I have attempted to contact Carrington for months they have gave me the run around for months now after the debt has increased due to late fees they are saying I was supposedly supposed to have paid it myself. But it was not on my payoff statement. Hid has informed me that they never received a dime from Carrington. Now I have to get the Title company who handled the closing to help me figure out how to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report when i noticed a item that was not authorized and i want it to be removed. 

Experian XXXX XXXX XXXX {$26000.00} XX/XX/XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 2023
Product: Student loan

I have tried numerous times to renegotiate my loan to lower the payment either by lowering the interest rate ( 9.0 % ) and they refuse. I can not afford the monthly payment, do not want to default and can not afford the recently increased payments which are now {$320.00} from {$130.00} a few months ago when I was on a reduced rate plan. They refuse to continue the reduced plan. 

My original principal was {$24000.00} I currently owe {$18000.00}