23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I placed an ad on XXXX to hire a web developer. I was contacted via email by a person who claimed to be an employee of XXXX XXXX XXXX. He provided links to his supposed projects that he had worked on, along with social media accounts that he supposedly managed. We scheduled a call and he created an outline of items that he and his team would work on. They were to redesign my website, revamp my social media accounts, and take on an ongoing project for me. ( Ongoing project is a membership group for ladies that offers weekly workouts, monthly meal plans- needed a graphic designer to format the PDFs for me ). 

He then created a quote, a timeline, and sent me a secure link to pay the deposit to get started. I paid {$4000.00} but felt uneasy about it for some reason. A few days went by and I hadn't received any information about next steps, so I contacted him and told him that I didn't like the process thus far and wanted a refund. He asked to give him until Monday ( XX/XX/14 ) to submit website mock ups to me. Again, something did not seem right, so I went to the XXXX site and initiated the online support chat. XXXX XXXX, a senior consultant for XXXX, answered the chat and I briefly told him what was going on. He told me that they had fired the person I was working with, XXXX XXXX, and that he has created a fake website - XXXX and has been stealing people 's money for some time now. 

XXXX has been impersonating the company and even has a XXXX page offering web services. XXXX advised that I contact my credit card company and file a dispute. I filed the dispute along with 50+ pages of supporting evidence. During this process, XXXX XXXX offered to give me a 40 % partial refund. I only agreed because I figured that I could at least get some of my money back while waiting on the dispute decision. During this entire time, I received no goods or services. Absolutely nothing. 

Barclay just contacted me to let me know that they're closing the case in favor of the merchant- which is not even a real company!! I had called several times during this process to get updates, and they would not provide any updates. I was almost always routed to a call center and the call center refused to transfer my call to a supervisor. I have been hung up on numerous times. Now I am out {$2600.00} and Barclay refuses to take any further action. This is outright theft.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Request for Correction of Errors and Inaccuracies on Credit Report Dear XXXX, XXXX, Transunion, I hope this message finds you well. I am writing to formally address the errors and inaccuracies that have been consistently present on my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that all information listed on consumer credit reports must be accurate. If any inaccuracies are found, they must be corrected or deleted promptly. 

Despite my repeated notifications regarding these discrepancies over the past few months, I have not seen any corrections or deletions made to my report. I have attached my previous dispute letters, which include my identity verification, to assist in resolving this matter. 

I kindly request that you take immediate action to correct the inaccuracies or remove the erroneous items from my credit report. Furthermore, I would like to specify that I no longer wish to be contacted by phone ; all communication should be conducted via mail. This request is made to ensure that there is a paper trail for tracking the progress of my case, as I may consider legal action if necessary.

Please provide me with the corrections made, along with supporting documentation that includes my wet signature, so that I may verify that these accounts are indeed mine.

I look forward to your prompt response and resolution of this matter.

Thank you for your attention to this urgent issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company has stated that my account for XXXX XXXX XXXX  XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/XXXX-XX/XX/XXXX. According to FCRA 609A 1. Where is the proof? 2. Why is this account being updated?
Product: Credit reporting or other personal consumer reports

Im a XXXX  person. I never had a Bank account, credit card, or lone, I am trying to open my first Bank account with XXXXXXXX XXXX but they can't because somehow I'm reported on Experian, I tried to fill out an online form but I'm getting an error, the error tells me to call a number but the number is operated by an IA and tells me to go to the website where I'm getting the problem that tells me to call, I can't get a human to contact me, this is extremely frustrating, A company that has the power to prevent you from opening a bank account should have great customer service, Y cant Know what the problem is with my credit score, I can't see if I'm a victim of fraud, I can't open my first bank account. 

I am XXXX XXXX XXXX, I can't exit my house, for the first time in my life someone offered me a job that I can do frome home, Now turns out it's almost impossible for me to open a bank account after hours trying on different banks and getting on the phone with the bank they finaly tell me that Expedian has a report on my sotial security number, I never used my social for anything, this is my first time tring to open a bank account. 

After spending a lot of time trying to get the information I needed from the web, and getting the same error several times, I tried calling the phone they gave and it's a useless artificial intelligence, I tried to explain the problem and say that I needed to talk with someone and the thing tells me to go to the web site and hangs on me. I am so frustrated, disappointed, and scared, I just want to open a bank account, want to know why my social is flagged, please, Can someone help me?
Product: Checking or savings account

My identity was stolen in XXXX XXXX XXXX after purchasing a car. My information was used to set up a checking account and a credit card with USSA in XXXX. I have called numerous times to close the accounts and have spent hours on the phone. I have enlisted professional fraud services ( ie XXXX and XXXX XXXX XXXX ) to assist in this. They tried to convince me to keep the credit card since it would damage my credit if I closed it and just transfer the information to me. They have yet to close the checking account after the several calls I have made and the promise every time to close the account. I am told every time that the account will be closed in 5-7 days, and to call back. It is never closed. They opened this account AFTER I reported the credit card as fraudulent and was assured precautions would be taken to make sure no access to my information or accounts would happen. 
The account representatives have given out my personal information, and the information of the people who stole my identity. They are not safe with personal information or fraud services.
Product: Student loan

First of all when I consigned these loans I did n't know the difference between federal and private with Sallie Mae. The interest was anywhere from 10-13 %! I begged for consolidation at 4 % when the XXXX were doing that. This is how I found out these were private loans and they did whatever they wanted, they did n't follow federal guild lines. we could not make the huge payments and they would not work with us at all. We defaulted. They are now threatening to attach wages and sue. I would be willing to make reasonable payments if the started over and added 4 % interest to our loan! NO ONE should have the right to charge 12 % interest! My question to you also is, can they attach wages or retirement funds. Thank you for your help. We need to pass H.R XXXX!
Product: Vehicle loan or lease

On XX/XX/22 and XX/XX/22 I went to the Mercedes Benz of XXXX XXXX XXXX  with a pre approval from XXXX XXXX XXXX. I informed the dealer of this, although they are a participating dealer they didnt seem to understand this however I think that this was a tactic to get me to apply through Mercedes Benz for a loan. I informed them I didnt want to apply for any other car loans as I already had a pre approval. The finance manager submitted my credit application to several car loan companies without my agreement. I specifically told him that I did not want to do this. I was under the impression that my credit application was only going to be submitted to XXXX XXXX. As a result I have a number of inquiries on my credit file. I would like for them all to be removed : Mercedes Benz Financial, XXXX XXXX XXXX XXXX and XXXX XXXX loan applications were submitted without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked all three credit bureau 's to remove the public record from all my credit reports because it is a clear violation of the Fair Credit Reporting Act and they are claiming to get information from the Bankruptcy Court. They claim to get information directly from the courts. I have attached documentation from the court and from all three credit bureau 's. XXXX had removed the public record then they re-inserted it causing my fico score to suffer.
Product: Credit reporting or other personal consumer reports

Statement of Complaint I am filing this complaint regarding unauthorized hard inquiries listed on my credit report, which are negatively impacting my credit score. These inquiries were made without my authorization or consent and remain unresolved despite my efforts to address the issue directly with TransUnion. 

The specific inquiries in question include : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( f ), entities may only access a consumer 's credit report with explicit consent or for a permissible purpose. These inquiries fail to meet these criteria, and I believe they are in violation of the FCRA. 

I have contacted TransUnion on multiple occasions to dispute these inquiries and request their removal. Despite my efforts, I have not received an adequate resolution or response. Each time I contacted TransUnion, I was reassured that my concerns would be addressed, yet the unauthorized inquiries remain on my credit report. 

Additionally, I am a victim of the XXXX data breach, which exposed sensitive personal information and increased the likelihood of unauthorized activity on my credit report. This breach has caused me significant concern about the security of my personal information and its improper use, including these unauthorized inquiries.

These inquiries are causing unwarranted harm to my credit score, which affects my financial opportunities. I am requesting the CFPB 's assistance to : Ensure TransUnion conducts a proper investigation into these inquiries. 
Remove any inquiries that can not be substantiated as legitimate or authorized. 
Provide me with confirmation of the investigation results and an updated credit report reflecting the removal of these inquiries. 
I have attached supporting documentation, including a copy of my credit report with the disputed inquiries highlighted and any correspondence with TransUnion regarding this matter. 

Your assistance in resolving this issue is greatly appreciated. Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, The Navyist Rewards Credit Card is issued by Barclays Bank Delaware, Account ending in XXXX, this creditor has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy, under 15 USC 1681 Section 604A section 2 : it also sates a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

*************************************************************************************************** In accordance with the fair credit reporting act, The Navyist Rewards Credit Card is issued by Barclays Bank Delaware, Account ending in XXXX, this creditor has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy, under 15 USC 1681 Section 604A section 2 : it also sates a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Barclays Bank Delaware, XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights. 

15 U.S.C. 1681 section 602A states i have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written 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 7 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX ; XXXX XXXX GA XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

Numerous complaints have been filed in reference to two ( 2 ) charges with XXXX XXXX XXXX, a mobile cellular service company. I've got a PLETHORA of documentation, dates and times in reference to two ( 2 ) charges that have been opened, closed, reopened, closed an reopened multiple times due to the timetables set by the internal fraud department at Synchrony Bank, not allowing me to fill out a formal affidavit in a timely manner. 

Just today, I wasted another roughly thirty ( 30 ) minutes of my time in reference to two ( 2 ) charges from XXXX XXXX XXXX that was billed as XXXX on my account, a company I've been personally been investigating for over five ( 5 ) years. 

Unbeknownst to myself, a charge was made on XX/XX/XXXX to open the account for XXXX, as well as XX/XX/XXXX for XXXX with the merchant/bank as XXXX. I've filed NUMEROUS fraud complaints against these charges and as stated above the case was opened and closed multiple times due to paperwork arriving late and Synchrony Bank closing out the case without allowing me to state my case. 

In a document ( coded XXXX ) received electronically via email DATED XX/XX/XXXX a " Claim Review Completed '' document was received that stated - " The Synchrony Fraud Team reviewed your claim and is unable to approve it for the following reason ( s ) : X You authorized, participated in, or benefited from the purchase. 

The documentation I was waiting for to fill in a formal affidavit was coded XXXX XXXX XXXX ( XXXX ), dated XX/XX/XXXX and received AFTER their fifteen ( 15 ) day timetable as referenced in their letter even though the letter explicitly states " Please note : A fraud investigation can take up to 90 days. You will be notified by mail withing 7 to 10 days of the case closure. '' Everything done by Synchrony Bank is FRAUDULENT in nature with the reasoning for the formal complaint as I've spent hours and hours and hours on this to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file has many mistakes on it all deriving from outdated technology from the 3 credit reporting agencies, as opposed to relaying on new information as well as certified physical documentation inwhich shows facts over unproven electronic Verification that can not be taken as fact. I'm demanding that these unknown, unauthorized accounts be blocked immediately. Please remove the following accounts, due to that fact that they are not mines. 

1 ) XXXX XXXX XXXX {$4000.00} 2 ) XXXX XXXX XXXX {$330.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX {$570.00} 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX
Product: Credit card

Bank of America Merchant Services is providing credit card services for my self employed business. They chose to send out a letter that if I did n't respond to, then I was agreeing to services from XXXX for some type of protection coverage. When I realized I was being charged for this I called Bank of America Merchant Services on XXXX/XXXX/15 and was told by XXXX with XXXX XXXX that they would credit my account for this service and credit me for the prior months that they had charged me {$19.00}. Again, this service that I HAD NOT SUBSCRIBED TO, according to them by omission of responding to a sales letter. When my Merchant Services statement came in this month, they charged me again for last month and had not credited anything from the past charges. I spoke with XXXX at XXXX on XXXX/XXXX/15 and was given an Opt Out Ticket number. I also called XXXX XXXX, VP, Senior Merchant Specialist XXXX and left a message of the problem and to this date I have not received a call back from him. I also called today XXXX/XXXX/15 the BOA Merchant Svcs XXXX, spoke to XXXX who transferred me to XXXX with XXXX XXXX who stated all fees have been refunded ( based on last month 's same verbal statement, I can assume this is another lie ). I asked for the name, address, and phone number of their credit card regulatory agency ( as stated on your webpage ) and XXXX nor XXXX could provide that for me. I was transferred to XXXX, a Supervisor @ XXXX and when asking for the credit card regulatory agency he gave me : BOA Merchant Services - Attn Legal Department - XXXX XXXX XXXX XXXX - Mail Code NCXXXX - XXXX, NC XXXX. I also called XXXX XXXX again today, only to be able to leave a voice mail. I request from this CFPB agency that you have Bank of America Merchant Services refund my charges of {$19.00} for 4 months and any additional months that they have deducted unauthorized funds from my Merchant Services Account. I request from CFPB that you STOP Bank of America from sending out letters that I am volunteering for services " if I do n't respond to their letter '' that I 'm not even aware that they are going to start deleting monies from my account. This is unprofessional, sneaky and unacceptable. I would also ask you to address this with any governing agency to STOP this type of behavior through our judicial system or advise me who I need to contact. THIS IS FINANCIAL HARRASSMENT. THIS IS UNACCEPTABLE. THIS IS STEALING FROM THEIR VERY OWN CUSTOMERS. All three individuals refused to give me the regulatory agency that Bank of America Merchant Services reports to, via IGNORANCE on this knowledge, another sneaky tactic to not have this reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I sent XXXX certified letters advising i have unauthorized inquiries and fraudulent inquiries and they refuse to respond or remove inquiries
Product: Debt collection

This account was purchased by the third-party debt collector, NATIONAL CREDIT ADJUST. The status and amount associated with this account are incorrect, and the account was either paid in full or settled for less than the owed amount. Therefore, I request the immediate removal of this account from my credit report. 

Additionally, I have never had a contractual relationship with NATIONAL CREDIT ADJUST. I believe the original creditor, XXXX XXXX, sold my account without providing proper notification, which constitutes a clear violation of FCRA Section 611 regarding the reporting of inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.