23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Someone fraudulently accessed my identity and opened XXXX credit cards using my name but an address I have never been to or resided. I subsequently contacted the credit card companies and closed the accounts. I also put a 90 day fraud alert on my information. 
I have tried every channel that I can find, both via phone and finding an email address to remove improper addresses and inquiries resulting in fraud using my identity. 
Can you provide me with the phone numbers or email addresses that I can communicate with the XXXX credit bureaus to inform them of this and have them remove this data that should not appear on my credit reports. 
XXXX XXXX
Product: Debt collection

I had saw an ad on my phone for XXXX XXXX XXXX XXXX XXXX XXXX tour merchandise and had thought that they were a legitimate website XXXX XXXX XXXX XXXX XXXX. I used XXXX to help pay for my order in XXXX installments. I paid the full XXXX installments but upon receiving the item I realized that they were counterfeit items and had reached out to the merchant from XXXX  for help. The merchant did not respond to my emails and so I reached out to my bank for assistance with fraud. Upon investigation, they were able to authorize a chargeback for the fraudulent item. I had thought my issue had been resolved. However, I started to get emails from XXXX XXXXtating that I have an overdue balance of {$140.00}. Thinking that this was an error on their end ( since the bank had stated that it had been resolved ) I did not respond to their request asking me to pay my overdue balance. TrueAccord is trying to request me to pay off that loan which is now {$170.00} due to interest. I do not believe it is fair to expect me the customer to pay for this loan that has been investigated by my bank. If there's any additional information you need me to provide please let me know. I do not know who else to further contact as XXXX is choosing to ignore my emails and now my loan is being sent to True Accord and I do not wish for it to affect my credit score. Its XXXX XXXX XXXX has now closed their website as well.I am experiencing financial hardships due to my dog suddenly getting diagnosed with XXXX and for the past few months it has been extremely hard to deal with that AND the issue with XXXX which I had already thought was resolved.The balance for my account kept saying it was " overdue '' but my bank had already disputed the fraudulent purchase. Thank you in advance. The loan number is XXXX. I would like to reiterate the merchant that sold me this product sold a counterfeit item and the website is no longer in service and has been suspended.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was approved for the US Bank XXXX XXXX XXXX XXXX credit card. I applied for myself and several employee authorized users. 

However, I received a card for only myself ( -XXXX  ) and one employee ( -XXXX  ). 

I applied for additional employee cards because our company did not receive the original employee cards we applied for, the first time. We applied for our other employees this time, and they were all approved. These were accounts -XXXX, -XXXX, and -XXXX. 

On XX/XX/XXXX statement, I received the {$200.00} bonus offer for meeting the {$1000.00} spending requirement for cards -XXXX  and -XXXX. 

On XX/XX/XXXX statement, I did not receive the {$200.00} bonus offer for meeting the {$1000.00} spending requirement for cards -XXXX, -XXXX, and -XXXX. 

On XX/XX/XXXX, I reached out to US Bank to clarify but the response given by XXXX was that the {$200.00} bonus offer per card is only applicable to those given at signup. 

1 ) When I first applied, I had applied for several authorized user employee cards, not just for myself or for XXXX XXXX ( -XXXX  ). 

2 ) The terms and even the website ( https : //www.usbankedge.com/credit/business-edge-cash-rewards.do ) state that " Each card meeting the spend requirements will earn cash back. '' I met the spending requirements on each card within 90 days of account approval. 

I have had a good experience with US Bank and your customer service shows profound excellence of the bank, but this false advertisement of this card has been confusing and misleading.
Product: Credit card or prepaid card

I informed filed a report about this account when it comes to my identity being stolen. A discover credit card was illegally opened in my name.
Product: Mortgage

S.P.S don't want to honor the forbearance extension plan. What should I do, Thanks XXXX XXXX
Product: Consumer Loan

On XX/XX/XXXX I leased a car through Nissan. XX/XX/XXXX my car was stolen and involved in accident. When I called my insurance I was informed that I only had liability and the car was n't fully covered. When getting the car the salesman told me that he called my insurance company to verify my insurance and told me I was good to go. I have a paper where he said he called, but my insurance has no record of him calling. The finance manager then went on to fill out the lease agreement as if I was fully covered and signed the contract. I feel I was mislead and lied to. By North Carolina state requirements the dealership is required to call to verify the purchasers insurance. If in fact he did call then this would n't be an issue. The General Manager told me that they do not have to check customers insurance and that if you show them an insurance card that they assume you are fully covered ( I find that hard to believe ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope the disputed account is updated. 

Please validate this existing account : XXXX XXXX XXXX : {$2800.00}
Product: Credit card or prepaid card

The current problem I am having with American Express is that I am paying a monthly payment of {$90.00} per month for the last ( 2 ) years and I notice my balance is still the same basically. Since I have not made any purchases and the card was closed 2 years ago since I entered into a financial program in order to pay off the card. The program allowed me to pay off the balance of the card at a lower interest rate. Since the balance had not gone down recently, I decided to check my recent statements. I found that I was paying {$47.00} - {$52.00} each month in interest and there was an unexplained fee on my statements of {$40.00}, {$29.00}, {$29.00}. Between XXXX, 2021 & XXXX, 2021, I have called American Express countless times, I explain the situation which takes about 2-3 minutes, I am then transferred to another person, I re-explain my exact situation and is put on hold and transferred another time. in XXXX, 2021 I was transferred a total of 4 times. I then contacted the XXXX XXXX XXXX. Finally, I get a call from American Express today explaining to me that they can not offer me any solution to my issue because the program I was in had ended after 1 year. I spoke to a Ms. XXXX XXXX today approximately XXXX XXXX She could not explain the fees I had encountered and was rude and inconsistent & showed no compassion, I explained to her that Amex gave me the impression that I was in this program until my bill was paid in full, and why would this company set-up a program for 1 year knowing the balance would not be paid off and the interest tripled making it impossible for a XXXX  on a fixed income to ever pay off. This is an unfair and taking advantage of a customer and forcing into bankruptcy. Unsuspecting consumers are drawn into a program in an unwitting way while this company well knows in 1 year the balance can not be paid and is something that is probably in the fine writing that no one will read. Thus far I have already paid approx {$700.00} in about 6 months in interest & fees alone and wish to have this reimbursement.
Product: Credit card or prepaid card

On Tuesday, XX/XX/XXXX Capital One contacted me to report that a fraudulent charge was put onto my account. They said they would send a new card to my address ; however, they sent the new card to an address in XXXX. I live in XXXX. The person who received the new credit card immediately used it to make about {$9000.00} in purchases at a XXXX in XXXX, XXXX. We reported this situation immediately on Saturday, XX/XX/XXXX. At that time, the representative said we would be sent a new card and that the fraudulent charges were pending and would probably not be processed. However, they were processed. It's Tuesday, XX/XX/XXXX. We have not received our new card and the fraudulent charges are still on our account. A representative I spoke with at the company said it could take between two to three days to clear this up, but it could also take anywhere between 30 to 90 days to clear up. This is not acceptable. We need our credit card -- just as most people do -- to make daily purchases. 

Capital One is entirely at fault in this matter. Whatever verification process they use failed. I've had this account for over 20 years, yet they sent a credit card to the wrong address. Once the card was received, it was used immediately. Not only does this feel like a mistake, it's beginning to feel like a crime was committed by employees at the company. My wife and I have experienced extreme stress due to this situation. Whatever you can do to hep us would be appreciated.
Product: Credit reporting

IM not sure if i should make another complaint. but there 's no way of adding info to original complaint. this complaint is about what information equifax investigated on the XXXX XXXX tradelines the last time i disputed them online. EQ makes you pick a certain reason for disputing. when none of the choices were the reason i was disputing. i will upload these pages. so when i wrote in the comments section that i was disputing the payment history and codes and status of the XXXX accounts. i figured they would read that and investigate accordingly. but they didnt they just investigated the choice i made out of the XXXX different reasons to investigate. thats it. that 's why im making another complaint. i already disputed the XXXX XXXX tradelines again. saying in the comments again why i was disputing the same as above. i wanted to make this complaint before they screwed me over again. i believe EQ does this on purpose to make it easier to verify info. they never verified payment history, payment codes, reason for transfer. was due to XXXX discharge. my student loans were forgiven. and they never investigated any of that with XXXX pages of uploads to prove my point. after all that they only looked at the line i checked above. " The results are : We have verified that this item has been reported correctly. We have verified that the last payment date is reporting correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. We have verified that the date closed is reporting correctly. '' thats the response on XXXX accounts. and even that info is incorrect.
Product: Mortgage

XX/XX/XXXX I feel behind on my loan due to lost of employment. hence Ditech started foreclosure proceeding against me ... I was able to work with them & get my loan up to date. Ditech stated that if I pay {$910.00} in attorney fees that they would bring my loan current. I paid the fees XX/XX/XXXX and I have been making regular payments of {$690.00} every since then. I receive a letter in the mail stating that they were going to foreclose against me since I owed them {$200.00} in back attorney fees. Dictech never told me verbally or in writing that they were additional attorney fees and that my Mortgage payments will increase {$69.00} every month until those attorney fees are caught up. I have ask Ditech to supply a breakdown of these said attorney fees, and as of now, I have not receive such. This is unfair business practice, as I was never verbally told or written form that my mortgage will increase due to attorney fees. Also if Ditech knew that the attorney fees of {$910.00} was not sufficient they should have stated other wise, but they did accept my money without any hesitation and Ditech guaranteed me that my account will be in good standing once I pay the {$910.00} and continue paying my monthly payments of {$680.00}. Ditech stated that my payment of {$910.00} was not paid to the attorney fees but was allocated to my mortgage and my account specialist XXXX XXXX was no longer with the company. I am asking that Dictech be accountable for allocating the funds that I provided them in the correct order that they insured me it would be. As it is quite obvious that they are out to remove me from my home. I suffer with health related issues & with the added stress of a looming foreclosure is too much for my body to withstand both mentally & physically, especially when Ditech assured me that my account was in good standing.
Product: Bank account or service

US Bank has started altering the order of credits and debits to their advantage. In 2015 they on numerous occasions posted the debits first and then the credits which resulted I numerous {$36.00} overdraft fees. On XXXX occasion I withdrew {$500.00} in cash on a Saturday when my direct deposit showed as being available. I was then charged the {$36.00} overdraft fee. On Monday on their website the direct deposit showed it being credited on that Monday even though on Saturday it was shown as being available. I called the bank manager and his response was that the teller should not have given me the cash. However the teller had seen the same thing on her screen that Saturday and that being that the money was available. This occurred throughout 2015 until my account was so overdrawn due to the overdraft charges that US Bank had closed my account. The bank manager was less than cooperative in discussing this issue. And along with that they would post debits before credits which I have never seen this practice before. The bank manager response was that there was nothing illegal about that practice. So now my account is in the banks collection department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX, XXXX XXXX XXXX have been reporting incorrectly and showing a balance, late payments that does n't exist. The credit bureaus shows that I have a balance of {$370.00} and still reporting as past due. I have called the XXXX XXXX XXXX and explained it to them and they agree with me that I should n't have anything reporting with them. I also dispute this with the bureaus numerous of times without any resolution. Now I 'm feeling ignored because I have shown proof with documents that shows that my balance is zero and I was never late with any payments. However, nothing has been changed by either parties.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX Original Creditor : PXXXX 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

There is currently a " notification '' on my credit report due to prior fraud by ex-husband. However, it states in the alert that the entity/company looking to provide me credit has to call to verify my identity yet the Experian did not place my phone number in this notification and now has cause me harm. 

The disregard for follow through and/or auditing of this notification/message that was placed onto my credit report without clearly articulating the steps that an entity and/or company can take to contact me and the phone number of reference has caused me a missed financial mitigation opportunity and I want this resolved at once. 

Either Experian can remove this fraud notification from my report and/or can correct their error and contact the last three entity/companies whereby they have caused an application to cancel due to their error. 

I have called only to be routed to " write them ''. 
I have written them with no follow-up. 
Their only web portal is sub-par and causes a spin in the workflow and doesn't allow the consumer to clearly solve the issue at hand. The customer experience is sub-par.
Product: Debt collection

They repeatedly call me early in the morning and all throughout the day continuously. They refuse to stop calling me even after repeated requests
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXX TransUnion/ XXXX / XXXX Account Number : XXXX TransUnion/ XXXX / XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX TransUnion/ XXXX / XXXX
Product: Credit reporting or other personal consumer reports

ISSUE Improper use of your report 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Inaccurate Information on my credit report, 15 U.S CODE 1681s-2 A person shall not
Product: Debt collection

Went to Ace check cashing to cash a money order today the clerk was very rude at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX the District Manager is XXXX  XXXX. XXXX did not offer me the opportunity to pay any of the amount that was due she simply kept the entire check and processed the amount owed plus a fee of XXXX Ace check cashing never made me aware that any fee was due i didnt expect the check to be returned it was from XXXX XXXX and i have a letter that shows they issued me a payment. I have had an account with Ace check cashing for 10 years I also have XXXX card and XXXX small business account. Of all the years of going to the various locations and interactions at the store locations I have never been treated as poorly as today. There is video footage of this incident and I will be reaching out to the XXXX  or agencies that regulate financial check cashing franchises. This is a communication that shall serve as notice and opportunity for internal resolution regarding financial services. Additionally, because if her behavior I aim to establish an official grievance about the methodology of your collection practices dont let insufficient technology nor disgraceful employees representing the Ace Check Cashing brand undermine your business operations. Customers deserve to be notified of past balances due or alerted to scenarios that there checks did not clear to contact the issuer as well as make arrangements with Ace as necessary. The money I presented to Ace Check Cashing was necessary for bills and medical issues. IT was just as if being robbed that procedure needs to be mended. I have cashed other items after the XXXX XXXX Check and no balance was ever mentioned to me. This is definitely unfair she took almost 88 percent of the money with no warning a stern face and impolite mannerisms. 
Please reach out to me immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Product: Debt collection

This item appeared on my credit report, I never received any letters from this company. Once I reviewed my credit report I immediately sent a letter for the agency to validate this account as per the Fair Deb Collection Act. I have documentation that the agency received the request for validation on XX/XX/2020. Once I did not receive a response nor any documentation to validate this account as well as their license number, I disputed the account with the credit bureaus to have them remove. The agency responded to the credit bureau stating valid. However ; they never validated this account with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report is missing an open account which appears on my other credit reports. This artificially increases my credit utilization percentage and lowers my score. I have called and waited on a chat line with no success. the dispute center only allows for me to dispute the accounts that are shown and does not allow me to address a missing account. This missing information is negatively impacting my credit score and it is next to impossible to contact Experian unless you want a new credit card or want to buy additional services. This missing information increases my credit utilization rate from 7 to 12 %.
Product: Mortgage

I was charged {$500.00} for an external only appraisal by Rocket Mortgage. I have asked them to provide something to show that this amount is correct as it seems excessive and unreasonable for an external only appraisal. They have ignored my various emails and have not assisted in validating this charge at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 and XX/XX/20 XXXX  processed/ran 2 fraudulent credit inquiries made by CitiBank N A, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. 
I have communicated with XXXX and CitiBank since XX/XX/20. I had informed both of them that I do no business with CitiBank - no account, credit card, loan or anything. 
My XXXX  communications via telephone started XX/XX/20 to dispute above fraudulent inquiry, XX/XX/20 to place fraud alert ( which was done. ) On-going communications included calling about their dispute resolution outcome - I didn't create XXXX  account to review their outcome online but called and was informed the CitiBank inquiry would remain on my credit report. On XX/XX/20 I received another alert from my credit monitoring service for another fraudulent inquiry by XXXX - again listing the CitiBank listed above. XX/XX/20 I called XXXX and was given information on how to file a complaint with XXXX. 
My CitiBank communications via telephone started XX/XX/20. I made on-going telephone calls for days to CitiBank and was transferred to every imaginable department they had, provided exhaustive personal information and told they didn't see an account, credit card or loan application/created in my name. I also spoke with their Identity Theft Solutions Department with same outcome - nothing in my name or social security number. When I received the second alert on XX/XX/20 and called CitiBank Identity Theft Solutions Department on XX/XX/20 and today XX/XX/20 - both times they told me they didn't see anything in my name or social security number.