23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and identity fraud. After viewing my credit report, I noticed accounts and credit inquiries that I did not apply for or authorize. I immediately contacted the companies in question and notified them of the incorrect reporting and advised them that it is obvious that I have been victimized and that someone has used my personal information to fraudulently open several accounts. Currently those accounts are a XXXX credit card opened XX/XX/XXXX and a XXXX XXXX credit card opened XX/XX/XXXX. There are also several inquiries on my credit report that I did not authorize. In addition to the ones for the XXXX   and XXXX credit cards, there are the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my Credit Reports and needs to delete immediately : Employer : XXXX XXXX Date Updated : XX/XX/2021
Product: Debt collection

I am writing to dispute and urgently request the removal of unauthorized fraudulent accounts that persist on my credit report. I have no knowledge of, nor have I authorized, the accounts listed below, and I categorically deny any association with these accounts. 
Account Information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
ACHIEVE PERSONAL LOANS XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
Despite my previous attempts to address this matter, the fraudulent accounts continue to negatively impact my credit report, hindering my financial opportunities and causing significant XXXX 
I want to emphasize that I have not authorized, nor do I have any knowledge of, the transactions or activities associated with the mentioned accounts. I demand a thorough investigation into these fraudulent accounts and request the immediate removal of these items from my credit report. It is imperative that your bureau upholds its responsibilities under the Fair Credit Reporting Act ( FCRA ) and takes swift action to rectify this situation.
Product: Money transfer, virtual currency, or money service

I locked my self out of coinbase on XX/XX/XXXX while on XXXX I withdraw my money for total XXXX with coinbase and everytime I am submitting my photo to get a new password coinbase refuses to let me in my account ... .I withdrew my money out on XXXX and coinbase is refusing to give me my money back
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and saw XXXX accounts that weren't accurately reported. I had XXXX late payments ( XXXX on each of my XXXX XXXX accounts ) on accounts that were in fact paid on time. The consumer reporting agencies need to report all information with complete acuracy. This account hasnt been late on payments, and the account is set to auto pay, so there must be a billing error of some sort. I have attached a copy of my report to this complaint on the folloing dates : XX/XX/year> for the following accounts : XXXX and XXXX. 

I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified. I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXXnd all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

I purchased concert tickets through XXXX using a credit card created by Affirm to use. I would subsequently be billed for the purchase by Affirm in monthly installments. I paid the amount in full XXXX. The concert was rescheduled for a year out. I checked with ticketmaser and you could not receive a refund. Again in 2022, the concert was rescheduled for a year out. I checked with ticketmaster and they were issuing refunds. I applied for a refund through them ( per Affirms instructions to contact the merchant for a refund ). XXXX refunded the money to affirm. On XX/XX/2022 Affirm refunded one of my payments for XXXX to my checking account that was linked for making the payments to them. They list a check for XXXX being sent to me on XX/XX/2022. I have yet to receive the check. It has now been one month. I have called them three times and been told they will escalate my case. I have never received any response from them on the messages I have sent into their portal or my phone calls I have made. I am never told if they will really send me my check. I am just told my case will be escalated. I just want my refund. Their phone number is ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced a great level of distress from dealing with Navy Federal. It is deeply concerning that two accounts was opened using my personal and business information without my consent. Understanding the severity of the matter, I promptly contacted the authorities, obtained a police report, and reached out to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for assistance, the BBB, Attorney Generals office, mycreditunion.gov. However, despite all my efforts, Navy Federal has displayed an alarming lack of cooperation by refusing to remove the accounts from my records. 

The repercussions of this fraudulent account have greatly impacted various aspects of my life. I have been unable to secure job promotions and endured great embarrassment from management. I haven't been able to purchase a home due to the tarnished credit caused by this unauthorized account. I pay a higher interest rate even with superb credit history. Seeking resolution, I reached out to Navy Federal directly, informing them that I had never opened an account with them. However, their response was far from satisfactory. They asked about any emails that could confirm the account, and when my personal email accounts didn't yield results, I provided them with an email associated with my former business called XXXX XXXX XXXX. the email was a free general mailbox for customer complaints and vendors. Astonishingly, this email turned out to be the correct one, indicating that someone had accessed and misused my personal and business information. 

To my dismay, the representative informed me that there was nothing she could do to assist me, alluding to the numerous complaints I had previously filed. And suggesting the email was verification of debt. Adding insult to injury, she abruptly hung up on me and reset the account for another seven years, prolonging the impact on my credit even though it was due to expire soon.

Given the gravity of these events and the negligence displayed by Navy Federal, I urgently seek help in having this fraudulent account removed from every credit file I possess. It is imperative for me to move on with my life and regain the financial stability that has been unjustly compromised. It is my hope that those in a position to rectify this situation will recognize the urgent need for immediate action.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Also this PERSONAL INFORMATION DO NOT BELONG to me : Name : XXXX XXXX Name : XXXX XXXX XXXX : XXXX XXXX XXXX Name : XXXX XXXX XXXX ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Address XXXX es ) : XXXX XXXX XXXX XXXX  XXXX, WI XXXX Employers XXXX XXXXXXXX XXXX Employers : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased a pair of boots from XXXX XXXX online. When I received the boots, the zipper was broken. I sent the boots back and XXXX XXXX reimbursed my debit card XXXX, for the cost of the boots. XXXX XXXX also sent me a letter stating that they refunded the XXXX to my debit card with Wells Fargo bank. I have spent at least seven hours on the phone with Wells Fargo 's executive department and they can not reimburse me the funds because I closed my checking account with them thirty days prior to XXXX XXXX putting XXXX on my old debit card. Wells Fargo said they closed the claim because they sent the funds to XXXX XXXX. In the letter from XXXX XXXX, it specifically states that XXXX XXXX has no account or way to accept funds. This has been going on since XX/XX/XXXX. It is now XX/XX/XXXX. I am filing a fraud complaint since Wells Fargo will not pay me XXXX.
Product: Credit reporting

There is a public record listed Release tax lien, this does not belong to me. I have disputed and will keep on disputing to remove this mistake. Please help
Product: Debt collection

To whom it may concern, I was asked to leave an apartment shortly after signing a lease. It was agreed that no penalties or fees would be owed if I moved out by the end of XXXX. I complied and on XX/XX/XXXX a letter from apartment manager XXXX XXXX ( who I have an open case with for harassment ) sent me a letter showing I owe a debt and I had 30 days to send payment. 

On XX/XX/XXXX an email from Hunter Warfield Inc was sent to me advising I owed a debt in the amount of {$2800.00} by XXXX XXXX on account # XXXX. It was impossible for the debt to be valid since the XXXX day had not passed. 

I sent a response the same day advising I would be disputing this information and that I had proof from management that a debt was not owed. A response was sent to me by Ms. XXXX XXXX Consumer Collections Manager with Hunter Warfield who advised a debt validation letter would be sent. 

34 days after my initial request to validate the debt, another communication email was sent with an encrypted message. I was not able to see the message and saw this as an attempt to not provide the information I was seeking. 

The property manager has been known to use harassment tactics to violate peoples daily lives. She is now using Hunter Warfield since she is now under litigation for her actions. 

Hunter Warfield should have noticed the debt was not even due and should have not started debt collections. Hunter Warfield is fully aware of their actions. They refuse to provide the information necessary to collect a valid debt and still continuing to harass me for debt that has not been validated. 

The apartment is charging for items such as water and sewer use that was never required to be paid. Also the apartment is charging for XXXX rent when a letter is attached showing rent would not be charged for XXXX as well of any other penalties if moved out by XX/XX/XXXX.
Product: Student loan

I have contacted Mohela on several occasions because they are reporting my student loan twice with XXXX different balances. Each time I spoke with them and requested that the information be corrected they keep telling me that they are not reporting it twice, even though I have provided proof from my credit report that they are. I have attached a screenshot of the reporting on my credit report. You will see that they reporting it multiple times with two different balances. This needs to be corrected immediately as I am trying to apply for a home loan within the next two months and need the balances reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 3 credit bureaus asking to have the information verified that is being reported on my behalf. All I received back was a letter stating that the information has been verified with no proof. I received a letter in the mail from XXXX XXXX XXXX showing the date of my contract, which shows XX/XX/2017, but the credit reporting on my behalf shows that the account was opened on XX/XX/2017 which is incorrect. The balance due/surplus after sale is {$3600.00} however the reported balance on my credit report shows that the balance is {$5500.00}. This inaccurate information is a defamation of my character and I am extremely concerned with the handling of my information.
Product: Credit card or prepaid card

First for a couple of months Victoria Secret kept changing their terms and my husband had the same card, but wasnt experiencing the same issue. After long thought out decisions I decided to cancel the card and advised the creditor I would pay the balance in full in a month or so. Im currently unemployed and not receiving any benefits. Comenity Bank every single day, including Sunday is calling my house, my cell several times a day, they leave no message whatsoever. I think this is extremely abusive, no sooner than they call my house phone, then they are calling my cell phone. Doesnt the law require them to leave a message with a call back number. Also, I dont appreciate a representative going through how much I owe and then asking me how I would like to take care of this today, they are assuming that just because they spoke to me I have the money and Im going to be making a payment right then and there. I especially dont appreciate this creditor calling me on a Sunday and the majority that are calling are either from XXXX or the XXXX and many times dont understand or even care about the details they are giving you, the only thing they concentrate on is that they are going to get a payment from you. After working in the banking industry and knowing about the fraud that goes on in these countries Im not confident in giving them any of my information.
Product: Credit card

Shop Your Way Mastercard offered 0 % on purchases until XX/XX/XXXX. 

They also offered a balance transfer with 0 % until XXXX, XXXX. 

On XX/XX/XXXX, I made a payment sufficient to pay off the purchase promotion. 

Shop Your Way Mastercard applied my payment to the balance transfer amount, in clear violation of Section 104 of the Credit CARD Act of XXXX. 

I called and spoke with a customer service representative, a supervisor, and a manager, who all refused to correct this. The manager refused to escalate this further or take any action, and flat-out refused any remedy.
Product: Vehicle loan or lease

I have been asking for a history of payments since XX/XX/year>. I have emailed different people who are ccd and/pr respond after I email my request to the point of contact, a man called XXXX XXXX , with email XXXX. 

At first I got response like " Attached is the payment history you requested for the auto loan... .Here 's the attachment as a link for your review XXXX ... '' which was a link to some website. Not really an attachment. This response was sent to me by XXXX XXXX, with email XXXX As a response to this I wrote " Thank you XXXX XXXX Could you send me the history as an actual attachment for my private viewing. I am a victim of persistent targeted hacking, and accessing the history of my payments through a link makes me uncomfortable. " The last exchange, was with XXXX XXXX XXXX, email, XXXX. She wrote " Do you need your entire history? Or just a timeframe? Id be happy to send that to you. And would you like them send as a hard-copy or as an email, or both? " I responded " I have not received the history of payments that XXXX asked about. This seems too difficult. AGAIN, PLEASE SEND ME A HISTORY OF PAYMENTS. ALL OF IT BY EMAIL. '' I have not gotten any responses now. Just an email letting me know my payment is due whenever is due.
Product: Credit reporting or other personal consumer reports

I disputed a derogatory charge on my credit showing a {$10.00} delinquent payment on my Discover card. I reported this as fraudulent. They came back and called it valid and will not update my credit report. It's damaging to me as a consumer as it has hurt my credit store, and it's akin to a junk fee in the low amount. To have my credit score suffer for an inaccurately reported {$10.00} late payment is unfair. I even paid the {$10.00} to try to get rid of the negative data on my credit. I don't care about the money, but my score is now suffering over this fraudulent {$10.00} delinquency report.
Product: Credit reporting or other personal consumer reports

I have already sent a letter to the Experian bureau requesting the removal of the inaccurate personal information, accounts, and inquiries reporting on my credit file but the account and inquiry listed below are still reporting on my credit report and are violating Federal Law. Equifax Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and continues to report unconfirmed information. They should remove these accounts and inquiries completely from my Credit Report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Dear Goldman Sachs Bank, I hope this message finds you well. I am writing to bring to your attention a matter of utmost importance regarding a dispute filed by one of your esteemed account holders, XXXX XXXX XXXX. 

We, at XXXX XXXX XXXX, have provided services to XXXX XXXX in accordance with her specified requirements. The transaction in question occurred on XX/XX/XXXX {$250.00}, and XX/XX/XXXX {$100.00}, involving a XXXX credit card with the number XXXX, issued by Goldman Sachs, and the associated amount of {$350.00} ( {$100.00} and {$250.00} on separate occasions ). 

However, to our surprise, XXXX XXXX has initiated a dispute, claiming that the product received was not acceptable. We want to assert firmly that the services rendered were in complete compliance with the agreed-upon terms and specifications outlined by XXXX XXXX. 

Our customer service representative has been in constant communication with XXXX XXXX, attempting to address her concerns and provide any necessary clarification. Despite our team 's continuous efforts, we have not received any response from XXXX XXXX, making it challenging to resolve the matter amicably. 

We are confident that this dispute is unfounded and falls under the category of false claims. As per the laws governing financial transactions in the United States, we request your intervention in thoroughly reviewing the case and ensuring a fair and just resolution. 

Details of the transaction : Cardholder : XXXX XXXX Card Number : XXXX Card Type : XXXX credit card Issuer : Goldman Sachs XXXX : {$100.00} and {$250.00} We kindly urge Goldman Sachs to investigate this matter promptly and take appropriate action to close the dispute. We request the reversal of the funds deducted from our account as a result of this dispute, as the claims made by XXXX XXXX are unsubstantiated. 

For your reference, please find the additional transaction details below : Fingerprint : XXXX ID : XXXX Owner Email : XXXX We appreciate your prompt attention to this matter and trust that, in adherence to the legal framework governing financial transactions in the United States, the dispute will be resolved in a fair and objective manner. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple complaints against XXXX and Equifax for failing to abide by the fair credit reporting act. I jave uploaded proof to show they have lied. Now they have locked me out of my accounts. XXXX has locked me out of my account, so I can no longer monitor my credit report or score. Equifax has locked me out of my account so I can no longer monitor my credit report or score. They have done this out of retaliation. I call them and the system won't connect me with anyone and hangs up.
Product: Checking or savings account

Is bank closed the first dispute for 396 I filed which was initially resolved. The company then went back and did not honor the terms of the settlement I filed a second dispute which they denied without any explanation nor honoring my several requests to speak to someone from the disputes department. At this point Ill be filing a lawsuit.