23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made a reservation with XXXX in XXXX, with a quoted amount, which I have in writing. XXXX charged my American Express Account {$1200.00} more than I was quoted. XXXX has provided American Express with documents that are forged, they are not the forms I signed, and the signatures are clearly not mine. The forms I signed in XXXX were in XXXX, however they ( XXXX ) provided credit card receipts in XXXX to American Express with signatures that are not mine. I have re-filed my dispute 7 times now. I am at a loss fighting with a huge company that does not care that I have been overcharged severely, and because I did business with them, they will not file a fraud charge. This is fraud, they call it a dispute just because my card was not stolen, but it is fraud. XXXX will not respond to my emails, so I have no recourse with them ( as they are in another country ). I expect American Express to protect me and they continue to let me down.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE and DESIST On XX/XX/2021 XXXX XXXX XXXX the consumer informed XXXX, Equifax, and XXXX that i was a victim of identity theft and provided them with a copy of my FTC report. It has been almost a year later and XXXX, Equifax, and XXXX has failed to provide me any proof of their said investigation as to me granting permission ( i.e. my signature giving permission for said transactions/accounts ) for said companies to use my personal information on any accounts that they have falsely reported to my consumer report. This notice serves as their second notice to correct the issue because as of now they are in violation of my CONSUMER RIGHTS which states : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. You have violated this consumer law of mines because you were notified of the theft and have been giving proof of my identity yet everything on my FTC report is not blocked and is still being reported on my consumer report. According to my CONSUMER RIGHTS, everything in my consumer report should be reporting to 100 % accuracy. It is not accurate if you are allowing identity theft to be reported on my consumer report which is another violation of : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written LEXIS-NEXIS a few times, asking them to verify how they verified a bankruptcy and asked them if they could remove it if it could not be verified. They are still showing it on my most recent Lexis Nexis report. I know the courthouse is do not report anything. I also know that the credit bureaus have came back and told me that they received the information from LEXIS-NEXIS and they just gather your stuff through public information and post it and sell it to the credit bureaus. I also know that just because something is a public record does not mean its true and accurate and that is not a verifiable source.
Product: Credit card or prepaid card

I spoke with an account rep who was not a manager on XX/XX/18 at XXXX. I explained to him that I felt that I wasn't being treated properly because my credit line was reduced coincidentally on the same day that I filed a dispute on one of the charges on my account. I have filed two disputes over the last year with this company and both times they automatically declined my dispute without further investigation. I find it appalling the way they treat people, especially customers who have an excellent payment history with them. My credit line was reduced from $ XXXX to $ XXXX. When I asked the rep to review my account and give me my credit line back he proceeded to ask me a ton of questions and then stated that he would not be able to give me my credit line back. I then asked to speak with a supervisor and spoke with XXXX, agent ID # XXXX  who proceeded to tell me there was nothing he could do to help me at this time. I was also sent a letter stating that my line was reduced because my credit score dropped to XXXX. Once I confronted them about the letter they than tried to cover their tracks by saying that it was because I had incurred more debt since I obtained their BUSINESS credit card. Are they kidding me? My debt fluctuates do to my growing business. At times I carry debt and at other times I carry no debt. If their excuse was valid than other credit card companies would have done the same. It is a bogus excuse and will not be tolerated or ignored.
Product: Debt collection

Diversified Consultants or DCI is a third-party debt collection agency based in Florida. Wanting to collect on a false claim of a bill from XXXX XXXX XXXX. 
Phone numbers used are : XXXX, XXXX, XXXX, XXXX Calls daily. last call XX/XX/2019 at XXXX. other : XXXX at XXXX & XXXX, XX/XX/2019 @ XXXX & XXXX, XX/XX/2019 @ XXXX & XXXX, XX/XX/2019 @ XXXX & XXXX, XX/XX/2019 @ XXXX & XXXX and more
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Credit Report Errors and Collections Dear CFPB, TransUnion failure to correct the disputed accounts in accordance with 15 U.S.C. 1681 ( i ) is a violation of federal law. As of this date, I demand : 1. Immediate removal of the erroneous entries.

2. A written confirmation of corrective action within 5 business days.

I demand that TransUnion immediately cease and desist from reporting inaccurate and unverified debt information in my credit report. Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I dispute : Disputed Accounts with Creditor Names and Account Numbers : 1. 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 TransUnion previously reported these accounts as verified, but I requested proof in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ) AND Fair Credit Reporting Act 609, and TransUnion has failed to provide any of the following : 1.Verification documents 2. Name of the original creditor 3. The creditors address and telephone number 4. Name of verifying individual 5. Copy of contract between me and Disputed Creditor 6. Purchase agreement of debt XXXX. Insurance claim documentation XXXX XXXX XXXX XXXX XXXX XXXX  ) with original creditor 9. Statute of limitations documentation 10. Date of last missed payment 11. The documentation used to verify the dispute If TransUnion is unable to respond in a timely manner and provide the above items, please delete the accounts from my credit report to prevent further damage and if these actions are not completed promptly, I will pursue statutory and punitive damages under 15 U.S.C. 1681n.

TransUnion intentional non-compliance will also be reported to the FTC, CFPB, Florida Attorney General and state regulatory agencies. 

Remove these disputed accounts immediately and permanently, ensuring 100 % accuracy and send me a written confirmation of corrective action within 5 business days.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I sent in letters to all credit bureaus and they haven't removed it off my report all things are still reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask Equifax, XXXX  and XXXX  60 days ago on XX/XX/20 to remove inaccurate accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed two accounts with XXXX several times and they keep saying that the accounts have been verified and updated. I disp The Wells Fargo Account because it over the statue of limitations time frame of seven years and there still reporting on my credit file. The other account with commonwealth financial is a Hippa violation and they keep updating my account also and saying its verified but refusing to send me the necessary documentation that shows who verified what.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2023, at about XXXX, I attempted to place an online order with XXXX. My payment method was a buy now pay later application, Afterpay/ My intention was to pay for purchase, ( approx XXXX ) with a pay in 4 installment plan, Afterpay to deduct my first payment immediately. When I checked my account I found that I had been billed for gift cards in the amount of {$780.00}. 

When I tried to phone the company, Afterpay, they have no phone service for anything, they can not be contacted by phone. My only option was to go to the bank, XXXX XXXX XXXX XXXX. XXXX. the next day, XXXX XXXX, and cancel my debit and credit card to stop any more deductions. Afterpay took $ XXXXas first payment. 

The were 6 gift cards in total, all to XXXX. When I phoned XXXX I was told one card had been used for {$190.00}. I have no knowledge of the other five that Afterpay is billing me for. If I did something in error on the computer, I still did not get these cads.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXndiana XXXX at the time I paid him $ XXXX XXXX XXXX dollars My personal information he has deceptively used my personal information committing fraudulent activities an personal harming my creditibility filing and opening accounts without my authority or permission. Please remove the Bankruptcy filed causing me fianancial hardship and declining issues. XXXX XXXX account opened fraudulently leaving tremendous debts reporting on credit reporting agencies. The XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am allowed under the HIPAA Law ( Health Insurance portability and accountability Act of 1996 ) to protect my privacy and medical bills from third parties.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX  : U S DEPT OF EDXXXX XXXX {$1200.00} U S DEPT OF EDXXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXXXXXX {$110.00} XXXX : DEPT OF ED / XXXX XXXX {$0.00} DEPT OF ED / XXXX XXXX {$0.00} US DEPARTMENT OF EDU XXXX {$2000.00} US DEPARTMENT OF EDU XXXX {$1100.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX {$640.00} UNAUTHORIZED INQUIRY : XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Debt collection

Company Name : Hunter Warfied Account Number : XXXX Address : XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX To : Whom It May Concern On XX/XX/XXXX, I was looking at my experian account to get an update credit score and noticed Hunter Warfied representing XXXX XXXX Apartments for the amout of {$1200.00}. I believe I have been charge extra due to my race, in XXXX. I left the XXXX XXXX XXXX due to the fact I got into a horrible car accident and lost my job. I moved out of my apartment before receiving an eviction notice for not paying {$600.00}. Also, before my car accident I requested for maintenance to come to my apartment and prepare my carpet in the master bedroom. It was unanswered for about 2 month and now I believe they are adding cleaning charges to my remainder balance. Since moving out of the apartment I have been homeless since XXXX.
Product: Credit reporting or other personal consumer reports

I am a senior citizen and a XXXX XXXX  and recently i discovered recently that my identity was stolen and was taken advantage of to create fraudulent accounts and fraud inquiries. My complete name is XXXX XXXX XXXX and ALL accounts with incorrect and inaccurate names must be removed from my credit reports especially the fraudulent ones. I need your help to please delete these accounts from my profile asap : The fraud accounts are : 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 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. I also need your help in correcting my address and name. It should only be XXXX XXXX and XXXX XXXX XXXX XXXX XXXX California XXXX, nothing else. Thanks! I have attached here my FTC reports, ID, and proof of address. I haven't received my requested SS card yet. As a foreign citizen in your country, I kindly request for your assistance as I don't know much people who can help me with this issue. Thank you! i have noticed that I don't have credit history showing in XXXX and XXXX. Can you also please fix that for me?
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00}
Product: Debt collection

In the first week of  XXXX  the bayside collection service called and threaten to have me arrested if I did not pay  XXXX  on  XXXX   XXXX  and  XXXX   XXXX . The person was very demeaning and rude and told me I would go to jail. Then even called my work.
Product: Mortgage

I am trying to remove my name from a home loan used by my ex wife for her business. I did not sign for this loan and have asked Bank of America to send me any document with my signature on the application process. I received XXXX documents from the bank ( 1 ) a power of attorney with my signature surrendering my interests to the house used for business as agreed upon in the divorce settlement. And ( 2 ) a loan document dated 5 days after my final divorce decree with my ex wife signing my name in reference to the aforementioned power of attorney. This power of attorney that I signed as agreed upon in the divorce stipulation simply surrenders all my claim to the property and has no stipulation for any past or future responsibility for the property. 
It is my understanding that any contract which does not have my signature is null and void and can not be enforced. This is not what I am asking the bank to do. The loan is not in default and is current in the payment schedule because this is used for business by my ex wife. I am merely asking the bank to remove my name from the loan and credit report. 
So far all I have received is requests for more time to do their investigation and I have been patiently waiting for a favorable resolution. But now they have shifted tactics and is making this an identity theft issue and requesting me for notarized statements and police reports. I submit that it is their lax loan approval process that lead to a loan being approved without proper signatures more than anything else.
Product: Credit card

I had a CareCredit account through Synchrony Bank. I just received notification that my account was closed due to inactivity in the last 12 months. Given the nature of the account being for medical needs, I never would have thought I needed to use it within a specific period of time to keep it open. How can I plan when medical needs will arise? Of course, now I do have a procedure scheduled for which I was planning on using this account however when I called to ask to have my account reactivated, I was told that was impossible. If it 's possible to close it, how is not possible to reopen it? My letter clearly states the closure was not based credit behavior. I also want to point out that I was not notified my account was scheduled to be closed so I had no chance to request it remain open. When I questioned the lack of notice during my call with Synchrony, I was told they did notify me with a letter telling me account was closed. What good does it do me to notify me after you already have closed my account without having the ability to reinstate it. Account closure letter dated XXXX/XXXX/15, received XXXX/XXXX/15.
Product: Debt collection

A debt for {$560.00} reported by allied interstate to all credit bureaus for XXXX XXXX for equipment and bill. 
I sent all equipment to XXXX and paid last bill here is the proof from the us postal office and XXXX XXXX paid bill
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope that my message will not be ignored. The listed items are completely inaccurate and incomplete and is a very serious error in reporting. Please delete this misleading information! These wrong items killing my plans and planning in general ... I do not recognize this account as for two inquiries I have never gave anybody permission or I have never authorized something like this, please take appropriate actions and remove them all - I am victim of identity theft for sure.
Product: Mortgage

On or about XX/XX/XXXX, Bayview Loan Servicing , LLC. obtained a judgement for foreclosure by submitting false information to the trial court. Among other wrong doing by the XXXX XXXX, they got a judgement for over {$52000.00}. I brought the case to the United States Federal Court for XXXX XXXX XXXX XXXX Pennsylvania. Bayview Loan Servicing , LLC changed its name to Community Loan Servicing, LLC aka CLS without letting me know or the courts. 
On XX/XX/XXXX, Bayview Loan Servicing , LLC sold the mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX purchased the loan. 
XXXX XXXX XXXX continued through the years trying to collect on the over {$52000.00}. I had to continued writing appeals to no avail. They challenged all appeals, including on the Courts of Appeals for the Third Circuit. They never admitted that they sold the mortgage. Never try to withdraw the case and continued all the way till XX/XX/XXXX lying to the courts about the mortgage. They have taken advantage of me because, I can not afford an attorney and people have promoted hate crimes against me.
Product: Payday loan, title loan, or personal loan

Hello, I agreed with a business named XXXX XXXX to install windows in my home. XXXX XXXX had a promotion that was 18 months no interest and the financing was done through Syncrony Bank. We applied and were approved and scheduled to have the windows installed in 6 weeks. It has been 5+ months at this point and the company has only partially installed the windows. We have been billed by Syncrony to make payments on products that we have not received. We contacted Syncrony and they are still forcing us to pay for services and products that their client did not provide. I feel like we are being rail roaded. Its not fair for us to have to pay a bank for services not provided by their client. Please help. 

Thank you, XXXX XXXX XXXX