23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company put a collection item on my credit report. I have not received anything from them regarding this item so I dont know ehere it came from.
Product: Payday loan, title loan, personal loan, or advance loan

I applied online for Acima Leasing through the XXXX XXXX XXXX online store. I was approved for several XXXXXXXX XXXX I went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> to make my selection. The Acima representative came out to discuss my options for paying for the {$4100.00} worth of furniture I had selected. I told the rep I get paid twice per month, and she calculated my monthly payment to be {$470.00} for 24 months. She kept assuring me there were no interest charges, and that they only charge a fee of {$150.00} for their services. However, I pulled out my calculator to show her that {$470.00} times 24 months equals {$11000.00}, which is almost 4X the original cost of the furniture. Not to mention, my store sales rep was not allowed to be present for this conversation. It all seems not legal to me. I know there are usury laws in Texas, and I'm not sure if this falls outside the realm of legal or not. Now, I'm smart enough to know this isn't right, but what about the people who don't know any better? Acima needs to be stopped, and so does XXXX XXXX XXXX  if they legit know what's going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for several years and its a constant battle keeping negative information and inaccuracies at bay! I informed Transunion, XXXX And XXXX as well as the FTC ON NUMEROUS OCCASIONS, that I Wanted an Extended Fraud Alert placed on my File. XXXX Has complied and processed some of my Disputes However, XXXX, Transunion and XXXX hasnt been so compliant to my disputes. All three Bureaus have disregarded the police reports Ive sent to them, The FTC Victim Affidavits and statements. I filed numerous disputes with XXXX and Transunion regarding inquiries. Any inquiry that isnt Attached to an account I did not authorize. The only Inquiry Made by me was with XXXX XXXX XXXX XXXX  In XXXX of 2021. Ive tried maintaining Freezes but somehow the fraudster steal weasels around it. Ive placed in my statements to not extend Credit or check Credit without verification of my identification. To ask for multiple forms of identification by Mail or Fax or In person only. My wishes for that hasnt been Met. Transunion has denied all of my dispute claims against the numerous Inquiries that has been made to my Transunion Report : XXXX Has denied the dispute Regarding the XXXX Account which was included in a police report, Ftc Statment and fraud Affidavit Ive sent them numerous times. They have violated FCRA 605B ( 15 U.S.C. 1681c-2 ). I have requested to have the negative FRAUDULENT Data Blocked, furnished all three bureaus ( Transunion, XXXX, and XXXX ) the proper Documentation I.e. Police Reports, FTC Statements, identity theft victim reports and statements. Due to these bureaus not correcting Certain discrepancies and fraudulent activities, Ive been Denied Access to certain Financial Products, Fair Housing opportunities, Certain Utilities, Fair Lending opportunities, Equal Employment opportunities, Business Ownership And Expansion opportunities, Life/Auto/home & Renters insurance . I Feel that another Class action should be en motion because Im certain Im not the only U.S. consumer being subjected to these Adversities Due to the CRA ( Credit reporting Agencies ) ignorance, negligence, and disdain
Product: Credit reporting, credit repair services, or other personal consumer reports

Canceled an XXXX XXXX XXXX cellular account years ago and XXXX XXXX XXXX never closed the account then when they did they tried to charge me
Product: Mortgage

XXXX XXXX ( XXXX XXXX ) did not pay real estate property taxes even though I have an impound account. Wells Fargo stated that they paid property taxes in XX/XX/2017. Upon further research, I identified that Wells Fargo paid the property taxes for the wrong property. I informed them of this and they said they would investigate. Wells Fargo stated that they paid the real estate taxes for my property but when I check it has not been paid and are now delinquent. In addition, I did not receive my money back for the property taxes that were paid on the wrong property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Discover Card several times, sending emails calling and even faxing the unauthorized charges herein below that were NOT AUTHORIZED, but now Discover Card again posted all the charges back to my account for transactions listed below. 
Discover resolution support credits and then post the charges again to my account over and over, making it almost impossible to understand why they are still reversing the charges. 
The Discover resolution support person I spoke with several times not all but one of them very much treated me like a child and even made defamatory comments towards me instead of taking care of the issue when I first contacted them in the year 2018. 

XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - XXXX XXXX XXXX XXXX NV - {$5300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - XXXX   XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$5300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} All charges herein above are UNAUTORIZED CHARGES, XXXX is aware that the charges were not authorized, and they keep posting it back to my account. 

I am NOT RESPOSIBLE FOR All the charges ; they know very well after numerous explanations about the company XXXX   XXXX. I have no contract with XXXX XXXX and all the charges listed above were once again NOT AUTHORIZED. 

This is destroying my credit and now I have to file this complaint against XXXX XXXX. 

All charges above should be credited to my account as soon as possible. I am not going to make any future payments to XXXX. 

I am already in litigation with XXXX XXXX and will soon be in litigation with XXXX card. 


I would like to request that all NOT AUTHORIZED CHARGES above to be credited to my account as soon as possible as I am not going to make any future payments to Discover since they are very much aware of the UNAUTHORIZED CHARGES issue with the merchant XXXX XXXX. 

Unless XXXX can prove without a reasonable doubt and solid that I do have an account with XXXX XXXX and that I did authorize the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a collection on an account with a {$0.00} balance due. This false reporting of collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit card or prepaid card

I received a paper statement from Best Buy, XXXX for a credit card that I never applied for. The amount is for {$2900.00} on XX/XX/2022. I already called XXXX and notified them, called Citibank, closed the account, and filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested an investigation with XXXX XXXX into my XXXX XXXX account, because as of XX/XX/XXXX a mortgage modification was done but the account continues to show negative information ( delinquent payments and past due amount ). After a modification is done the account should show current. The investigation came back with no information being changed. A second investigation was requested on XX/XX/XXXX, and as of this writing the account still stands in the negative.
Product: Credit card or prepaid card

I am being denied a credit limit increase on this credit card account ending in XXXX. The reasons I am being denied it for are not true. It is saying that my income is insufficient compared to my debt obligations but I do not have excess debt. Everytime I try applying for a credit limit increase, I get a different reason for the denial.
Product: Money transfer, virtual currency, or money service

I Had noticed unauthorized XXXX transfer going out of my Chase account. But due to work, the time frame i get off and the fact i had to go directly to chase rather then call i had to delay my visit. I even asked if i could block or stop any XXXX and was told i couldn't and i would have to come in. After reviewing my account, i had multiple XXXX transactions that i did not make, They occurred right after i got paid, within hours i believe, since on my paydays i would wake up and my money was already gone. They were all made to a XXXX who i 100 % do not know. i will include the letter that chase responded with after i filed my claim. It includes all the dates of transactions to XXXX. It is obvious that i wasn't the one sending out all this cash right after getting paid, even the most recent one on XX/XX/XXXX left my account in the negatives by around {$300.00}. The reason they said they couldn't help me was because every transaction was made from my device, which i will state clearly that i did not authorize any transactions to XXXX, and that they couldn't prove it was fraud.I believe my phone was hacked or something happened that allowed someone to get into my account, which i have now done a full factory reset to fully wipe everything on it.
Product: Debt collection

GLA is using a auto dialer in clear violation of the FDCA.. Where the auto dialer will repeatedly call 4+ times back to back.
Product: Credit card or prepaid card

In XX/XX/2021 I reported fraud on my credit card with Wells Fargo. My card number was reissued and I received a new card in the mail. Shortly after that I received convenience or " super '' checks with a promotional offer of 0 % for either a year or 15 months. I decided to make use of one of those checks by depositing into my account ( not with Wells Fargo ) and wrote a few checks on the money in that account thinking nothing of it. Several days later I receive notice of overdraft and returned item fees relating to the check being counterfeit. I call my bank and explain that there's no way the check can be counterfeit because it's drawn on a credit line from Wells Fargo. They told me I needed to get in contact with Wells Fargo and I did. At my first point of contact I was told that the checks I'd received were attached to the old credit card and therefore unusable but that I shouldn't worry because it looked like the marketing department printed new checks for me and they would be sent shortly. After waiting for close to a month I called Wells Fargo back to let them know I'd never received the checks and to rehash the situation. It occurred to me during that call that when I received the previous checks AFTER receiving a new card that those checks were sent with no utility constituting deceptive advertising and a misleading offer. The reps that I spoke to acknowledged on a recorded line that this was indeed their mistake and that they apologize but have yet to correct this issue offering me only options that force me to open an account with them. This situation has not only had an impact on my time spent trying to get a resolution but also on my finances as I incurred an overdraft and returned item fee. I've asked several times for a manager-level employee to reach out to me, I've reached out via social media, and have been committed that not only were my concerns and time urgency documented but that someone would call me. I've never received one call. The only outreach done was a letter sent to my address telling me the very thing I learned within 15 minutes of my first call and that was that the checks I'd received were attached to the old account number and therefore not usable.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal account opened at XXXX on under the account number ( private ), an auto loan account opened at XXXX XXXX on XXXX under the account number {$38000.00} ( private ), a personal car insurance account opened at XXXX  {$790.00} under the account number ( private ), and a collections account opened at XXXX XXXX with a balance of {$800.00} ( private ) XXXX XXXX child support {$23000.00}. 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 # ( private case number ) 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: Checking or savings account

I never received my XXXX income tax refund. I fought with the IRS for years over this, contacting my tax preparer to help with forms and whatnot. In XXXX the IRS contacted me stating back in XXXX, they had received the filing, processed it, and sent the money to a brokerage firm, XXXX XXXX who then sent it to my bank. Their letter even had the date my bank was sent the money. Then the IRS said they considered the matter closed. 

I went to my bank back in XX/XX/XXXX and XX/XX/XXXX, and showed them all of the correspondence between myself and the IRS. The bank said they never received the refund. They also said the specific amount I was supposed to have received didn't show up in their system in any accounts on or around that day. Then the bank basically said they were done, and I was on my own. 

Brokerage Firm : XXXX XXXX XXXX XXXX XXXX XXXX : Arvest Amount : {$2400.00}
Product: Credit card or prepaid card

I have been with Chase for years. I have 2 credit cards with them ( as well as my checking and savings ). I have NEVER been late. They have refused to increase me credit card limit time after time. Not only that, they now decreased one of my credit balances from XXXX to XXXX without my consent. There was no reason and I use my credit card often.
Product: Credit reporting, credit repair services, or other personal consumer reports

======== Hi I am XXXX XXXX submitting this without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned that my personal information was used to open an accounts. I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ]. I am requesting that the items be blocked to correct my credit report. TRANSUNION DO NOT WANT TO REMOVE THEM I GAVE TRANSUNION A XXXX POLICE REPORT AND TRANSUNION STILL DON'T REMOVE THEM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Opened : XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Opened : XX/XX/XXXX {$1200.00} XXXX / XXXX Opened : XX/XX/XXXX {$9100.00} XXXX XXXX XXXX   Opened : XX/XX/XXXX {$1200.00} XXXX XXXX XXXX. XXXX  XXXX XXXX, OR XXXX XXXX Opened : XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 2. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

7. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Sequium Asset Solutions , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).
Product: Debt collection

I have never had a capital one card, I have contacted them by phone, through mail and disputing my credit report. I do not owe this debt, it was a fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Capital One charged a yearly membership fee of {$59.00}. 
Though I have alerts set on this credit card account there were no emails, text messages, or letters sent to me alerting me of the charge. **NOTE : this credit card is NOT used on a regular basis either. 
The only letters I receive from them is alerting me of the interest rates to consolidate any outstanding loans with them. 
On XX/XX/XXXX, a past due fee of {$25.00} was charged to my account. Again, no alert of any kind was sent to me regarding the charge OR any past due amount. 
On XX/XX/XXXX another past due fee of {$40.00} was charged to my account, Again, no alert of any kind was sent to me regarding the charge OR any past due amount. 
On XX/XX/XXXX I received an email from Capital One stating they had reported the past due amount and negative notation to the credit reporting agencies. 
On the same date, I received several emails from several different credit cards that I have alerts set on regarding the negative activity. THIS is the ONLY communication I received regarding the past due charges. 
I immediately called customer service who apologized profusely about the situation and immediately credited back the {$40.00} late fee charged on XX/XX/XXXX. I also paid the balance due of {$120.00}. 
The representative directed me to write a letter explaining the situation and request that the negative notation is removed from my credit reporting and stated that there would be no problem in doing so. He gave me the address to send the letter to along with all of the information required. 
This letter was mailed on XX/XX/XXXX. 
On XX/XX/XXXX I received a letter of communication from Capital One stating that they were unable to remove the negative reporting. 
I am meticulous about my credit history and have a pristine record except for this situation and request that it be removed from all credit bureaus. 
We plan to submit for a home refinance in XX/XX/XXXX and this false 30-day late reporting will impact it significantly.

This has affected my credit score exponentially from excellent to only good and below XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and XXXX for reporting inaccurate public records information on my credit report. Specifically, both agencies are reporting a dismissed XXXX  XXXX bankruptcy ( Case # XXXX ), which is damaging my credit reputation and score. 

Details of the Inaccuracy : Bankruptcy was dismissed on XX/XX/year>, providing no financial relief or court-declared insolvency. 
Bankruptcy courts do not report directly to credit reporting agencies, which calls into question the accuracy and source of this information. 
Despite my previous dispute, the CRAs claimed the information was verified but failed to provide documentation supporting its accuracy. This violates the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy. 
15 U.S.C. 1681i ( a ) : Obligation to conduct a reasonable reinvestigation. 
Harm Caused : The inaccurate reporting of this dismissed bankruptcy has significantly harmed my credit profile and financial reputation. 
I have been denied access to credit and have suffered emotional distress as a result of this inaccuracy.