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

I have been disputing these accounts which do not belong to me for a year but I feel like its to no avail I have opened an FTC report and have a notarized affidavit regarding identity theft for these accounts and still nothing. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account
Product: Credit reporting or other personal consumer reports

I filed a dispute, received an email stating results are ready. I can't review the results online. I called to only be met with the automated system which doesn't allow transfers to speak to a human. My issue is unresolved at this point. I'm sick of the barriers that experian has in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus, such as XXXX, XXXX, and Experian, did not a proper investigation concerning disputing, raising my credit score, and deleting closed accounts that were included in my court-order XXXX XXXX bankruptcy. All of the collections and negative reports need to be deleted from all three of my credit file/ bureaus, instead of reading closed in the status section. Please see the attached document for proof.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 td bank charged a late fee to our account. We disputed the charge.. Paid the monthly payment except for the disputed amount.. On XX/XX/2020 td bank over turned the late fees.. But because i didnt pay the late fee, which is under dispute, they charged another late fee for the late fee they said i dont owe
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize, account names below : Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Credit card

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX CA XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
List XXXX XXXX XXXX XXXX List Erroneous/Inaccurate/Fraudulent Account Names Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1.

15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

1. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report I request a thorough investigation into these inaccuracies.

2. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors are not reporting correct information to XXXX, XXXX, XXXX. On XX/XX/2020 I contact XXXX XXXX XXXX XXXX via telephone ( XXXX ) in reference to a correspondence received deliver to my mailbox offering a settlement to resolve my Citibank CBNA Best Buy Account. The offer was accepted and the payment was made to fully resolve the account. I immediately request proof of payment, as well as, proof that the account was settled in full. They requested I send a email to request the verification that the account was fully settled. On XX/XX/2020, I received a call from their unit manager requesting a fax # for them to fax the proof of resolution. She stated the information would be reported to the the credit reporting agency and updated by end of month XX/XX/2020. As of date XX/XX/2020, the negative information is still showing on ALL 3 credit bureaus and has been disputed.
Product: Credit card or prepaid card

Regarding XXXX XXXX:

On XX/XX/2018, I used my card at XXXX.  This was the last time I used the debit card prior to it getting stolen.

On XX/XX/2018, my debit card was stolen, most likely while I was at the gym because that is the last time I saw it.

On XX/XX/2018, I realized my debit card was stolen when I wanted to use it.

On XX/XX/2018, I called XXXX XXXX (which is serviced by XXXX XXXX) to report my debit card stolen.  This was within 48 hours of the card being stolen.  There was a total of $XXXX that was charged to my debit card by someone else.

On XX/XX/2018, I received a provisional credit while the investigation was going on.

On XX/XX/2018, a letter was sent from XXXX XXXX (XXXX XXXX) stating that they found a conflict of information provided by me and the information resulting from their research.  The $XXXX  was debited from my account.

On XX/XX/2018, when I received the letter, I called to request a copy of the documents used in making this determination and to ask specifically what was the conflicting information.  The representative said he could not provide a copy of the documents.  He stated that notes show that the card was lost on XX/XX/2018.  These notes are inaccurate.  I never reported that the card was lost on XX/XX/2018.  I shared that the last time I used the card was on XX/XX/2018, but I had the card with me until XX/XX/2018.

XXXX XXXX has based their investigation on inaccurate information and has not provided me with copies of the documents in which they relied on making a determination.  I am requesting that the fraud investigation be reopened and a determination be made based on accurate information.  My debit was stolen on XX/XX/2018 and I reported it stolen within 48 hours, once I realized it was stolen.

I do not believe that XXXX XXXX is following rules that protect consumers and treat them fairly.  I am requesting intervention from the CFPB.

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

All credit cards or loans I have applied for have been denied due to fraud I used to live in XXXX and I moved to XXXX in XXXX so they have denied me because they thought I still lived in XXXX. And I recently got a state Id.
Product: Vehicle loan or lease

My XXXX XXXX XXXX was repossessed in XXXX by Arivo Acceptance The company never sent me any correspondence about vehicle location or plans to auction the truck. Arivo never gave me the opportunity to recover any of my personal belongings from the vehicle nor did they tell me the time, location and date of when they were going to auction my vehicle so that I may have the opportunity to purchase my vehicle back I made multiple attempts through phone calls to find a remedy these complaints and was met with rude behavior from a XXXX acceptance. I lost all my personal belongings and never had the opportunity to get those back. I believe they never took the proper steps to correspondence to keep me informed of the process of the repossession and auction this was done in a very shady manner, and the vehicle was auctioned and sold before I even was able to find out what had happened to my vehicle basically it was sold before I was able to come to the conclusion through talking to a Arivo that they had repossessed my vehicle.
Product: Money transfer, virtual currency, or money service

In XXXX of 2018, I received a call from Premiere Student Loan Center saying that I could enroll in a Loan Forgiveness program where I could pay 5 enrollment fees and then start paying {$10.00} a month until the payments were complete and that would pay off my {$10000.00} student loans. When I tried to contact someone in regards to switching methods of payments, all emails that I emailed were inactive and no one was answering the phone number that I was provided. When I finally reached some one over the phone, they told me that XXXX XXXX, the lady that I originally spoke with to set this up, was no longer working there and I was put in contact with a new person by the name of XXXX XXXX. I asked him to transfer me over to the payment services department so that I could discontinue my services with them, he hung up in my face and has not answered my calls since then. I am totally mind blown at the news and reviews that I have received about this company and the " SCAM '' that they on running. I would like to get in contact with someone from Premier Student Loan Center as soon as possible.
Product: Debt collection

I was never contacted about this debt, I didnt receive a phone call, letter, or anything regarding this debt. It is now reporting on my credit repor. I would like an opportunity to review the debt and pay it immediately if so without it damaging my credit since there was no knowledge.
Product: Vehicle loan or lease

I obtained a car loan with Chrysler Capital that was opened in XX/XX/XXXX. I lost my job due to illness and as a result had 5 late payments reported to the bureaus by Chrysler Capital for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After recovering and obtaining another job, I paid consistently, not missing any payments until the loan was completely paid off in XX/XX/XXXX. In XX/XX/XXXX, I sent a goodwill letter to the President of the company asking if the company would consider removing the late payments due to the economic hardship that I experienced and consider that I had paid consistently thereafter. The company replied via phone stating that they would not remove the late payments. I sent another goodwill letter XX/XX/XXXX to see if the company would reconsider since I have now paid the entire loan off ( not missing another payment since the hardship ). The company again stated they will not remove the late payments. This company refused to consider a hardship that a loyal customer was experiencing and were not willing to remedy the situation in any way. As a loyal customer who had their first car loan serviced through this company, this is disheartening and uncompassionate. Maintaining good credit is crucial and especially essential in these times and a brief hardship that many of us experience should not get in the way of that.
Product: Credit card

XXXX statement : I paid Balance in full pluss the pending charges. Well before the statement due date. The next statement ( XXXX ) showed an interest charge even though the entire balance + was paid in full before the due date. Contacted the company and they told me the interest can be charged for two prior billing statements, although the fine print at the end of each statement clearly says pay the full balance prior to due date to avoid interest charge. They further said the terms and conditions are different from the disclosure at the end of the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX XXXXThe account does not belong to me XXXX XXXX The account does not belong to me XXXX  XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me 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 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency`
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. I have been looking at my XXXX XXXX past few months it says I am an authorized user on a XXXX XXXX card that is terminated. # 1 I do not have any idea whose card that is or why I am on it. Never approved it. I do have my own XXXX XXXX   card. I have called XXXX XXXX countless times about the situation as I now have 4 ongoing late fees on transunion and other reporting companies. I just called XXXX XXXX for the 8th time now about this and they only see my actual card on file. This authorized user card they say they have no knowledge of. I am asking for this authorized user thing with all these late fees to come off my credit report as soon as possible. I have no knowledge of it. And It is effecting my personal credit. Any help on this greatly appreciated feel free to call me about this.
Product: Money transfer, virtual currency, or money service

I have a form 10-k 8-k and 10q from PayPal holdings and did not receive any payment.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had 9 late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within 10 business days. Thank you so much for your time.Please see screenshot attached :
Product: Bank account or service

Did not receive the promised bonus for depositing a certain amount into the savings account ( Promo Code XXXX as mentioned in the letter sent to me )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in XXXX for a charge from merchant that I had returned the item for as they had not sent me the complete product in an email the company that I had purchased the product from through this credit card at Citi said that they would refund me the full amount once they received the product and they had received the product but said they had not opened the box so I just submitted a dispute with City to get the money back and then of XXXX of this year after submitting the requested information City had asked me to submit showing the merchant had said they would refund me the money and not. They denied my dispute which was a total amount of {$750.00}. I had also paid over {$100.00} to ship the product back to the merchant so I am now out over {$850.00} in total.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two companies who tried to access my credit neither of which I know. The first apparently on XX/XX/XXXX through XX/XX/XXXX, and I am not sure what the ongoing dates mean. The company name is Corelogic Credco. I found their inquiry on my XXXX  crediting monitoring site recently. There is no contact information available for the company. 
The second company who attempted to access my credit is XXXX XXXX for XXXX XXXX XXXX. There is no reason why an attempt should have been made by this bank to access my credit. I did not apply for a credit card nor do I shop in their stores or online if they even have an online site. 
Given that I am a victim of ID theft in the past, I have a freeze on my credit so I am assuming no harm has been done to me and my credit is still in excellent standing. I would however like to know why each of the companies tried to access my credit and if there is anything further I should know about this activity. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Sent Consumer an Email Requesting Extra Time for their investigation of the Consumer Complaint. 

How ever Wells Fargo is using an XXXX encryption of their attachments with instructions for Consumer can do. 

Wells Fargo Please reduce your encryption process in A LETTER & MAIL IT to ConsumerS ADDRESS. 

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

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I reached out to the original company on the debt and they said that because they sold this debt that they cant change it. I disputed this collection with TransUnion several times and they refuse to update my report and tell me that the debt is accurate, it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate my late father social security number. It have been used since XX/XX/XXXX, even though he have been XXXX since XX/XX/XXXX.
Product: Debt collection

Transworld Systems Inc, the collection agency contacted me about a XXXX XXXX collection that took place in 2018. 
It has been 7 years this collection is old and should fall off my credit report, the action I took was to dispute it. 

However my credit score has fallen XXXX points. And I have a derogatory mark on my credit.
Product: Credit card

After filing my initial complaint here regarding the absolutely exorbitant deferred interest on promotional balances, I lost the ability to see all of my promotional balances through any web browser on multiple devices. I have made 4 calls regarding this, been transferred to their tech support, told a ticket was placed and not a single response or resolution has been made. The only way now for me to see my promotional balances is to log into a computer to view statements that only populate once per month. I can no longer anticipate or review deferred interest, allocate payments above the minimum due, or see what the remaining balances are. It's making it nearly impossible to effectively review, use, and pay my credit balances and it only started after my complaint here. I have to call every time I pay to allocate payments. The last person I spoke to said she could see everything just fine on her end, which makes me feel that this is a targeted attack on me personally when this information is unavailable through any means to me. I used to love Best Buy before this nightmare.
Product: Credit card

I signed up for a travel credit card on or about XX/XX/year>. The offer clearly stated that a {$600.00} bonus would be provided if {$4000.00} was spent on the credit card within 90 days. I noticed that on the web site, in spite of me not having received the card to utilize it, I was notified I had only 78 days left to spend the {$4000.00} to get the bonus {$600.00}. I called today, Bank of America and explained my concern to a lady who identified herself as only XXXX, she completely understood my concern, regarding the absurdity of BOAbeginning the 90 day countdown to the bonus almost 2 weeks before I am even scheduled to receive the card. ( BOA notified me the card was mailed and I should receive it tomorrow, XX/XX/year> ). She put me on hold to check something and came back and said that is the rule and I can not change it. She was polite and helpful, however was not about to deal with my concern regarding deception. I think BOA needs to be held to account for this obviously deceptive practice of beginning the countdown for the 90 day bonus spending requirement perhaps as many as 2 weeks before the consumer actually receives the card. Of course, purchases can not be made without the card or activating it. Thank you.
Product: Mortgage

I took out a home equity loan with Citizen One XXXX of XXXX. I always made my payments never missed one. In XXXX I was told that I needed to pay lump sum of loan. Needless to say I didnt have an extra XXXX . I began the process of trying to modify this loan. After having to resubmit application 9 times because either a page wasnt initiated, or a blank page of statement was missing ect I contacted a law firm to try and get this straightened out. They told me to stop making payments. BAD ADVICE! They seemed to think once they saw that there was over XXXX XXXX dollars in equity in my property they hit the jackpot. I have been paying them over {$500.00} a month for 2 years now. I just received a letter from Citizen One that they have started foreclosure proceedings on my home. The last appraisal valued property over XXXX XXXX dollars. All I want to do is pay them off but because they have ruined my credit it has been impossible. How can they do this? Please help! My home is all I have. My regular mortgage is prestige. I always pay my bills.