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

On XX/XX/2021 I sent a letter to the XXXX credit bureaus, XXXX, XXXX and Experian notifying them that XXXX XXXX and The Bureaus is reporting incorrect information which is lowering my credit score. I sent them a letter from the Dept of Treasury where I worked for XXXX as an an employee informed me that my account information has been breached. This was caused by a cyber attack and my personal information was stolen. XXXX and XXXX removed the information but Experian has not. In my opinion Experian is affiliated with XXXX XXXX and The Bureaus because they refuse to remove this incorrect information. I never had an account with the Bureaus or XXXX XXXX. This incorrect reporting has been going on for years and my credit score keeps decreasing with this agency
Product: Credit card or prepaid card

Hello- I am relatively happy XXXX XXXX XXXX client. They have a 'Plan It ' promotion for any larger charges ( I think $ XXXX ), where an individual can have the charge spread out over a number months with a small monthly fee. Once the balance of the 'Plan It ' charge is paid off ( even if earlier than the selected plan is completed ) the fees stop. All of this is very reasonable and I have happily used this service in the past. However, I planned to use this service for eight charges on my AmEx during the month of XX/XX/XXXX. The total fees for the month were relatively nominal ( {$21.00} ). However, I never used the service, as I ended up having enough cash to pay the entirety of my outstanding balance by the due date for the cycle ( which was XX/XX/XXXX ) - - this includes all of the charges I selected as XXXXPlan It " charges. However, since I never carried a balance past the due date for the month 's charges, including the eight I selected the XXXXPlan It " program to be used for, the charges were all paid within the standard grace period of the billing cycle, meaning I never used the XXXXPlan It ' function/product/service. However, even though I never used it, I was still charged the monthly fees for all of them ( i.e., the {$21.00} ). I connected with AmEx, expressed essentially everything above and suggested that this was a predatory approach. They did issue me a one-time credit in the amount of {$10.00}. Candidly, it's not the money- it's the slimy practice. I always want to pay what I owe, for the things I use, but being charged something for something one doesn't use and saying it's a standard 'practice/policy ' seems unjust and not right, so I wanted to alert this Bureau to this practice.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached documents I've sent. There is incorrect personal information on my credit report and I want it updated to the correct one.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX  XXXX ACCT # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts, I feel, are having a negative impact on my credit score and costing me XXXX  of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Product: Credit card

I have a few cards with Synchrony Bank, specifically the following : XXXX XXXX, PayPal Mastercard, and Sams Club. Within the past 6 months, Synchrony has depleted my available and open credit. I went from having over {$6000.00} in open credit to {$500.00} between the XXXX cards. They said it is because of lack of real estate and too many inquiries. While Synchrony is depleting my open credit, XXXX XXXX is increasing my credit. 
My concern XXXX Synchrony is essentially saying I am not a good customer for them because of this or that reason. Now, because of them completely depleting my usage ratios- used to be only $ XXXX {$2700.00} was being used to {$150.00} out of {$170.00} which makes my credit usage go through the roof! It takes me from a small percentage of credit usage to over 90 %. By doing this my credit score becomes damaged. It is XXXX thing to like cut down available balance until the balance is paid but to completely cut it off especially when there has not been XXXX SINGLE LATE PAYMENT. Heck, the XXXX XXXX card was never even used yet. This is really bad service and truly damages my credit.
Product: Credit reporting or other personal consumer reports

The question asked I could not answer. How is it that the information you have about me is not about me. You guys think the person who is using my info is more e then I am of myself. How is that possible. How can you get something like this so wrong. I would like you guys to call me if you can. This needs to be fixed on your end. None of the information you guys have is from my old address. The person using my info is in North Carolina. I have never sept a foot in that place. My past phone number are not listed. But someone else is. How have you not realized that yet? I really want to take you to court. Im going to talk to my lawyer about this and see if I can do just that. This is not acceptable
Product: Debt collection

On XX/XX/2021, I received repeated calls from the following telephone number : XXXX. There were total of five calls, back to back, with the same voicemail left every time. In the voicemail, the caller identified herself as a XXXX XXXX and requested a call back to a different number, XXXX. The caller stated that if I did not call back, a " demand notice would go out in the next XXXX hours. She did not say the nature of a " demand notice '' or a call ( e.g., this is an attempt to collect a debt or a similar statement ). 
Additionally, this same person called my husband and my sister-in-law. The same voicemail was left on my husband 's number, as well as a request to provide my residential address verification. My sister-in-law answered the call, the caller asked if she knew me, my place of employment and to verify my residential address.
Product: Checking or savings account

On XX/XX/XXXX, I Noticed fraudulent charges on my wells fargo account made out to an online sports betting platform. I immediately took action by notifying my bank about the fraudulent charges, I filed a police report and I looked up the merchant who the charges were made out to and wrote them an email notifying them about the fraudulent activity taking place and advised to investigate the matter and provide me with any related information regarding the account. 

I filed a police report and provided the police with all the charges and information I had and got a police report number that I relayed to my bank claims specialist to include in my claim. 

The wells fargo bank representative assisting me with the claim filed a fraud claim with me over the phone including all the charges totaling {$17000.00} and advised me that wells fargo will freeze the account and make sure nothing else gets charged to my account, I was given a reference # referencing the freeze and instructed me to make an appointment with a banker to set up a new account with a new account number. I was advised that the bank will investigate the matter within 10 business days and if more time is needed they will issue a temporary credit for the disputed amount. 

on XXXX XXXX, logged into my account and noticed XXXX new transaction totaling {$6800.00} charged to my account from the same merchant dated XX/XX/XXXX and XX/XX/XXXX after I was given a reference # for the freeze on my account. I was devastated and called the bank to inquired about the new charges given that my account was supposedly frozen I was given someone else to speak to that seemed to have no knowledge about the freeze of whats going on and gave me misleading information, asks me the same questions as if I am starting the whole process from scratch. It was very frustrating, I then decided to call the next day and escalate the call to a higher rank specialist with no help or results other than the standard statements read to me previously. 

On XX/XX/XXXX, I call the bank again and reached a claim 's specialist, I explained my case and I was advised that I will be issued a provisional credit to my account within 24-48hrs which gave me some hope and relief. on business day 10 of filing the claim, I still had not seen a provisional credit to my account so i called the bank again and the results were " Sorry, the claim was denied '' I asked to escalate the claim and was asked to provide the same supporting documents of the police report and the explanation of the fraudulent charges I already provided before. At that point it became obvious I keep getting the run around and thrown to someone else that asks me for the same things that I provided to the previous specialist causing a chaos on the progress of investigating the claim resulting in bogus conclusions from honoring wells fargo " zero-liability '' protection policy against fraud related matters.
Product: Debt collection

To whom it may concern, On a recent review of my credit report, I discovered your company, Bank of America continues to inaccurately report the account referenced herein. Previous attempts to resolve and dispute the debt has not resulted in a correction to my credit reports. Furthermore, in XXXX your company reported to derogatory/late payments to XXXX even though the account was never late and paid in full in XX/XX/XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing the derogatory payment history, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. 
Account statement and an itemization of monies owed. 
Copy of bill showing last default date. 
Proof that the debt is valid and collectible and within the statute of limitations for the state of Texas. 

I am also requesting that Bank of America cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to correct and/or remove the derogatory account payment history from my credit reports. 

Your failure to act will result in this matter being referred to the XXXX XXXX   XXXX and Texas Attorney Generals Office.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were fraudulent inquires done with my identity due to identity theft, Equifax lied and said they contacted the creditor and that the creditor responded back and said the inquires were accurate but the company is closed so how are they able to respond back to Equifax if this company is completely closed to to covd-19
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i made a transaction via PayPal for {$230.00} and on XX/XX/XXXX i made another transaction via Venmo which is a PayPal company for {$290.00} for shoes from the company XXXX XXXX. The company is now bankrupt and in federal court for fraud. PayPal/Venmo and my bank ( XXXX ) have both denied and closed my cases and see no wrong doing. I have also filled out information with the FBI which is actively investing the company XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit with XXXX XXXX / XXXX. 
I have advised the company that several cards were applied for around this time so my information was compromised. But they haev refused to fix the matter stating that no credit was issued. The inquire was a hard nit to my credit and is affecting my credit because of it. They have become non responsive.
Product: Credit reporting or other personal consumer reports

I am starting the process of buying a car as my current vehicle has started leaking oil and I am trying to get a safe and reliable vehicle for myself and child. I decided to pay XXXX for a subscription so that I can start to shop and get the best rate possible. I noticed several inaccuracies, and accounts that I do not recognize including inquiries. 

I have requested several times for proof. These bureaus have failed to provide me with a copy of any viable evidence, bearing my signature, showing these accounts are mine and being reported accurately. I am referencing to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... .promptly DELETE all information which can not be verified.

I receive a response back that the information is accurate and the bureau will then update my report still reflecting inaccuracies without ever supplying me with any proof. Who verified the inaccuracies? I have a right to this information so that I can follow up with them directly referencing Section 611 ( a ) ( 7 ) They are in violation of Federal Law by allowing these unverified accounts and items to remaining my credit report. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is not only mine but is also accurate. 

How is this fair? I have tried several times through written mail, phone calls and using their online systems. I honestly do not believe that a person is even looking at my requests let alone investigating my disputes thoroughly.

Finally, In accordance with the fair credit reporting act 15 USC 1681, my rights have been violated and these accounts continue to negatively affect me. I am starting to feel despair because I feel like I am being bullied by the CRAs and that they are counting on the fact that a single individual may not have the time or resources to resolve these issues.

I am not typically a confrontational nor litigious person. For months I have let this go as I had given up and just accepted the fact that I will have to deal with this. However, I realized that laws are made for a reason and are there to safe guard and keep in line for fairness and equality.

The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if these companies continue to disregard and fail to comply with Federal Law, I fully intend on pursing litigation in this matter to enforce my rights under the FCRA
Product: Mortgage

Loan Depot is charging my escrow account for insurance I do not need. I have been trying to work with this company since XXXX of XXXX when I was notified they determined I need flood insurance. While working with FEMA on the designation they took out flood insurance and charged my escrow account. In XXXX of XXXX they paid Wind Insurance to my home owners company, yet I live in a condo and do not need Wind Insurance. I already pay HO6 and the condo association pays the master agreement. Yet, they charged my escrow account again. I have have now spoken with eight different representatives at Loan Depot and I'm told I will see a refund and get a call back but I never do.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is continuing to report fraudulent information to credit bureaus stating that i ( XXXX XXXX ) owe them {$1000.00} for a collection account in which the original creditor Continental Finance Company LLC Assignee of XXXX. After i sent in request them to validate the debt with verifiable and accurate completeness by send me the contract bearing my signature as proof that the account belongs to me. I also made them aware that i am a victim of identity theft and fraud. I sent a copy of the police report as proof of my identity being stolen. they responded by mailing me a letter with just account details such as amount and account number. they failed to validate any debt claimed to belong to me. There was no signed signature bearing my name. I contacted them after receiving the letter and made them aware that they failed to properly validate the debt. They refused to delete the fraudulent account.
Product: Debt collection

I am a resident of the state of Texas and sent National Credit Systems a Texas Debt Validation request in accordance with Texas Finance Code 392.202. This request was received and signed for on XXXX/XXXX/2015. I have not received validation of this debt. It has now been well past the 30 day period in which the agency must respond. I recently checked my credit reports and this debt still remains. I have attached a copy of the Texas Debt Validation Letter, Certified Mail Receipt, and Return Receipt.
Product: Money transfer, virtual currency, or money service

I called my bank to let them know two XXXX charges were fraudulently completed using my bank account information. I confirmed that I didn't know who the recipients were. 
The two charges debited by XXXX were on XX/XX/2022. One charge was to a XXXX XXXX for {$200.00} and another was to XXXX XXXX for {$900.00}, both on the same day. 

I called my bank and confirmed fraud, and they said they would look into it. They denied my claim, saying that I did it. I called back and let them know I have absolutely no connection to these people and would not authorize such a charge. They closed my file without doing anything else about it or even looking into it.
Product: Debt collection

I was recently contacted by Enhanced Recovery Company regarding an alleged debt. Not only did the alleged debt have the wrong name but Enhanced Recovery violated several of my rights outlined under the FDCPA. I have enclosed proof of this along with a photo idea proof of my receipt where I contacted them directly via certified mail with tracking. Below is a list of violations by Enhanced Recovery Company Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 15 usc 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692g ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692e ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692g ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692c ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692g ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 9 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 5 ) Exhibit A is Attached Below
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX fraudulent XXXX accounts being reported on my credit bureau reports. XXXX is a XXXX XXXX credit card ending in # XXXX and the other is a XXXX XXXX XXXX account ending in XXXX. I have sent several notices to all XXXX national credit bureau agencies XXXX, Equifax and XXXX XXXX advising them that they are fraudulent accounts and have demanded validation from the creditors. Unfortunately, to no avail I have not received any information and they are both being reported as derogatory accounts. This is having an adverse effect on my credit rating. The accounts appear to have been opened by someone in my family and or household who has access to my personal information. This violates federal law under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

In my previous complaint I mentioned a violation that XXXX XXXX  has committed and the statement I received from XXXX XXXX is verified. What is verified? Reporting missed payments, balances and due dates falls into experiences and transactions! Once again as 15 U.S code 1681a ( 2 ) Exclusions. States Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I XXXX XXXX is the consumer and XXXX XXXX is the person making the report. XXXX XXXX still is reporting these transactions and experiences.
Product: Money transfer, virtual currency, or money service

I was scammed through Crypto.com of XXXX dollars and Crypto.com wont do anything about it. 
Currently using a lawyer still nothing from Crypto.com other than sucks to be you pretty much. They should have had more help on red flags before moving that kind of money around.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card company in XXXX admitted sending a card renewal notice to my landline telephone, which can not accept ANY test messages- this resulted in XXXX XXXX charging me for a missed payment, a late fee and finance charges- TWICE. Since I had not used this card for ANY purchases over the prior 12 months I did not monitor this card status.- however, when I did check, on-line in XXXX, I then became aware of this situation and immediately called XXXX XXXX and asked to have this corrected - but the representative informed me that there was nothing he could do - at which point I asked to have ALL accounts CLOSED - which was done. HOWEVER, XXXX XXXX did not remover correct the " 30 days past due '' reporting, which was entirely of their making. I contacted XXXX, Equifax and XXXX, both on-line and by certified letter in XXXX informing of the facts and requesting the the " 30 days past due '' be removed from their reporting. XXXX- changed the posting to " account closed '' at customers request. Equifax, supposedly investigated, but refused to change the posting, while clearly being given self-serving information from XXXX XXXX- who refused to recognize that THEY created the negative situation they were reporting. I am still waiting for the response from XXXX.