23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

experian refused to answer my questions for method of verification and took over 30 days with my dispute.
Product: Credit card or prepaid card

My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to AD ASTRA collection company due to seeing their number listed on my report. The first thing I noticed is they are reporting on my credit report under " XXXX XXXX XXXX  XXXX '' but when I call their number they say the name of the company is AD ASTRA. I sent A certified letter requesting debt validation as they have two accounts listed with open dates XX/XX/12 & XX/XX/2012 for A place by the name of XXXX XXXX. I have informed them via writting and over the phone that I have never done business with such company. And I requested That they send me debt validation showing original contracts showing that I had an contractual obligation to this company. Which they refused to send me. When I called the representative informed me they do not have to give me that information and if it wasn't me then they wanted me to send them A police report in order for them to look into this account. Their representative was very nasty and unwillinging to help. She continued to say things like " Your accounts '' when I repeatedly informed her those accounts where not mine and I have never agreed to business with such company. I asked to speak with A supervisor and was informed by the supervisor that they could not send debt validation unless I request so in writting ( Which I have already done ) She explained they didn't receive the request and I would need to send it again. I have been reauesting this information for some time now and seem to be at A dead end with this company. I also asked since AD ASTRA are the ones reporting on my credit report why where they reporting under A different name? This company seem like A scam! I am requesting legal original contracts validating this debt with my signatures or for this to be fully removed from my credit report or I will escalate this even further.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems reported in XX/XX/XXXX that I owed XXXX XXXX XXXX XXXX {$8200.00}. I contacted them immediately @ XXXX to find out what this was, that I never lived at a XXXXXXXX XXXX XXXXXXXX XXXX. I was then transferred to the collections supervisor XXXX @ ext XXXX. He told me it was an apartment in XXXX NC, I explained that I have never lived in XXXX NC. He provided me with an account # oand told me to go to IdentityTheft.gov and file a report. I did that on XX/XX/XXXX. I sent National Credit Systems twice a copy of my Identity Theft Gov letter, along with my social security card, drivers license, previous divorce paper, new marriage license, and my last three leases to show that I have lived in XXXX since XXXX of XXXX. I called Nation Credit back in XX/XX/XXXX, spoke with XXXX again and asked him the status of this, he told me that they have been in touched with apartment complex and requested a copy of the lease and a copy of my drivers license and was told by XXXX XXXX XXXX XXXX that they did not have this or any file for me. I asked him why then is this on my credit report and he told me that they have 30 days to provide documentation. I explained that me and my husband are trying to purchase a restaurant, he told me he understood. In the beginning of XX/XX/XXXX I called National Credit Systems back, spoke with XXXX again. This time he had an attitude, I told him that my restaurant deal fell through because of this collections on my credit report. I asked him why has it not been removed he told me that they did not receive a police report with my fraud packet. I told him I don't have to file a police report I am and have been in a different state, that the apartment complex can't even provide a lease or a drivers license that this is not right because this debt is not mine. I told him I was going to file a complaint, and he told me OK do that. Please help me this debt is not mine, they know this and will not remove it from my credit report.
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 {$0.00}, {$1000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Transunion has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX XXXX
Product: Credit card

The Chase Freedom Card provided no clear information about charging foreign transaction fees. I already have a Chase Sapphire Reserve card, which, along with most advertised credit cards today, does not charge foreign transaction fees. 

When I went away on vacation last month, Chase quietly racked up Foreign Transaction Fees on my account, without notifying me. Foreign Transaction Fees are not clearly stated on the website, in any advertising for the card. I get emails and letters constantly from Chase, and text messages, they could have and should have told me my charges overseas were incurring foreign transaction fees. 

ESPECIALLY since I have another chase card! They should have immediately messaged me to tell me that my transactions were incurring fees and that I should consider using my other card. 

These charges occurred between XX/XX/year> and XX/XX/year> totaling {$110.00} When I called Chase after getting home, twice, they were obstinate and refused to overturn the charges or refund me. This is RIDICULOUS. I am charged hundreds of dollars per year for all three of my Chase credit cards. It is ridiculous and unfair to charge foreign transaction fees in addition, stealing money from consumers, when these should be CLEARLY STATED on the website, marketing materials and inside of my chase portal. I should also have received notice and warning about incurring these fees instead of them sneakily ending up on my statement. 

How can you call a credit card a FREEDOM UNLIMITED and then charge foreign transaction fees that most other cards no longer charge?!?! That is insane... it is false marketing. 

I am demanding a refund of {$110.00}, this is plain wrong.
Product: Payday loan, title loan, or personal loan

I did a title loan with One Main Financial. I feel like the interest they 're charging me is illegal and outrageous. I pay {$250.00} per month just on interest.
Product: Debt collection

I ACH payment with XXXX XXXX on XXXX of XXXX of XXXX although the balance was XXXX as my credit line was XXXX we spoke on several different times concerning my account. As I had insurance to cover the credit card as the payments where being paid every month for six months. Next XXXX XXXX blocked my card. I never charged anything although the statement said a charge was made on my card electronic. When I asked about it XXXX XXXX just asked for money. Now Midland Credit Management as of XX/XX/XXXX is bringing my credit score down as if XXXX XXXX has my credit card open by {$1.00} decrease causing my credit score to drop by XXXX points. As of XXXX I then again went on Midland Credit Management and paid another XXXX online. As Midland Credit management continues to bill me by mail as if I didn't have a confirmation number with the payment online with my information. Next I noticed Midland Credit management has two different personalities one  in XXXX XXXX, California and another in XXXX, Mi playing one location against the other over and over again on my XXXX  when I disputed a few times before it was deleted and here Midland Credit management again. And the same things happened with the XXXX XXXX XXXX  XXXX as over XXXX people are filing complaints similar to what happened with my credit card with XXXX XXXX XXXX  secured credit card.
Product: Credit card or prepaid card

I am a XXXX XXXX  and my pay for work is paid daily on a XXXX  card. Not only do they frequently create duplicate charges while a transaction is pending, they also deny transactions and then blame the merchant for holding the money. Most recently this happened to me at XXXX XXXX when I went to a self checkout lane and attempted to get {$40.00} cash back. It was declined. Later Monday night I called the automated line only to learn I had a charge on my account that shows it went through. Customer service informed me I would have to complete some dispute forms. They said it will take 45 to 90 days to resolve. That's great, a half days pay, I might get back after XXXX. I also contacted XXXX XXXX and they could offer no help. I've never had such a XXXX card as the wisely card. And they paid handsomely in the fees they charge to have such XXXX xs
Product: Credit reporting or other personal consumer reports

For approximately XXXX year I have repeatedly sought to remove an item from my credit report that is there in error. For over XXXX year XXXX XXXX XXXX XXXX  has continually reported information on my credit report that is incorrect. XXXX XXXX XXXX XXXX  has reported this incorrect information and continues to do so to all of the major credit reporting bureaus. The information that XXXX XXXX XXXX XXXX  is reporting is incorrect because the debt that they are reporting is not mine. I have never contracted in any capacity with XXXX XXXX XXXX XXXX. I did not open an account with XXXX XXXX XXXX XXXX. I did not authorize any person or party to act on my behalf to open an account with XXXX XXXX XXXX XXXX. I will not and have not benefited in any way from this account that XXXX XXXX XXXX XXXX  is reporting. 
In trying to remove this account from my credit report I have reached out to all parties involved ( XXXX XXXX XXXX XXXX  and the major credit reporting bureaus ). I have filed numerous disputes with the major credit reporting bureaus indicating that this debt does not belong to me. Each dispute has resulted in the same outcome, where the debt is claimed to be verified. Throughout the past year I have made XXXX separate written requests to XXXX XXXX XXXX XXXX  demanding that they validate, verify, and provide all corresponding paperwork with regards to this debt. I HAVE NEVER RECEIVED A RESPONSE TO ANY OF MY WRITTEN DEMANDS. I have contacted XXXX XXXX XXXX XXXX  numerous times via telephone and I have been told each time that such requests must be made in writing. 
When disputing this debt with the major credit reporting bureaus I have included the aforementioned information. The major credit reporting bureaus are aware that I have made said demands on XXXX XXXX XXXX XXXX  and that they have not responded to said requests. Despite this obvious non compliance with various governing laws and regulations all the major credit reporting bureau have continued to report this incorrect information on my credit report. It appears that said major credit reporting bureaus are satisfied with the information that XXXX XXXX XXXX XXXX  is submitting in response to my initiated disputes. All the major credit reporting bureaus have denied my requests to examine the documents that XXXX XXXX XXXX XXXX  submits in response to my dispute initiation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX 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

Sometime in XXXX I had opened an account with a bank for a " secured credit card '' to help build my credit since I had just filed bankruptcy XXXX XXXX XXXX Ref : XXXX. 

I don't remember the bank 's name that I had opened it with but I had never received a card. I did not use it, just paid the XXXX to open it up and needed it to report current. 

I simply forgot about it and lived my life. Sometime afterwards a company by the name XXXX XXXX  bought the bank, I was never notified of this, I still had no card and had not used it. XXXX XXXX  bank charged the annual fee of XXXX and I had not been notified about a balance or anything. 

I was trying to work on restoring and building back my credit ratings and came across this delinquency. I called, called, called, called and called. Finally spoke with someone that helped me, they understood the situation and told me it was resolved. 

I was just trying to get approved for renting housing and was denied several times because of atleast in part by the adverse reporting 30 days lake for YEARS every month they report that I am 30days late to CRA 's.

The CRA 's show the account is closed in XXXX but XXXX XXXX reports every single month as if the account is open and gives a 30days late every month and causes severe damage to my credit ratings.
Product: Credit reporting

I disputed medical collection accounts on my credit and sent these disputes out via USPS certified mail on XXXX/XXXX/15. On XXXX XXXX, I received a letter from Experian stating that they decided the disputes were not sent by me and that they would not be initiating any disputes based on the suspicious correspondence. When I sent my dispute, I included my ID SSN card, proof of address and also marriage certificate. All of my information matched- name on ID was name on marriage certificate, name on SSN card matched maiden name on certificate. Address on ID matched proof of address, etc. I have not disputed anything for a couple of years, and there was absolutely no reason for them to say it was suspicious or that it did not come from me. I am sending a notarized letter including this complaint, proof of mailing the disputes, and the original dispute paperwork, along with other pieces of identification. This is just a blatant refusal to initiate my disputes.
Product: Debt collection

I had an account with The XXXX XXXX in the past. I XXXX XXXX XXXX and one was being renovated. I was purchasing supplies from various Retailers. XXXX XXXX, XXXX, XXXX, etc were all places we used to get our building materials. It was common for me to be working at one of my other XXXXXXXX XXXX while the construction was being done at a location across town. I had several workers and contractors involved in the project and they would often call and tell me they needed wood, plumbing, electrical. roofing supplies etc to do whatever it was they were working on. If I was not on-site, they would usually drive to wherever I was working, and get my credit card for whatever store they were going to. I had all the accounts for every Big Box Retailer in my town. 

I was always good about watching the spending and had budgeted for all my repairs. When that particular project was done, the account statements started reflecting charges that I did not authorize or receive the materials from the purchases made. 

There were three to four different people that I was able to remember giving the XXXX XXXX XXXX to get supplies. Someone used my account to purchase supplies, tools, goods etc that I did not authorize, or give permission to use my account for. I filed an identity theft complaint with the FTC, A police report, etc. XXXXXXXX XXXX  responded that " Charges were mine. '' and turned the account over to Morgan & Associates, who is now contacting me through the mail and phone trying to collect on the fraudulent charges.
Product: Credit reporting or other personal consumer reports

I found XXXX inquiries on my credit report I do not know. I have not done business with either- Discover Financial or XXXX XXXX. I am cocnerned they have my personal information without my authorization and may use it.
Product: Student loan

My student loans switched from XXXX ( Account # XXXX ) to Navient ( Account # XXXX ) in XXXX of XXXX. I recently tried to register my account online in XXXX of XXXX at Navient.com and I received an error message saying that it did n't recognize my information. I contacted Navient customer service on XXXX/XXXX/XXXX and spoke with XXXX. She stated that there was someone else 's name tied to my account. This is the reason why I ca n't register my account online. She reached out to their tech support and she said that it would be a 24 hour turn around. She stated that I should check back the next day and see if I could log in. I checked back the next day and it was the same error. I checked again the following day and the same error. I emailed the Office of the Customer Advocate on Thursday, XXXX/XXXX/XXXX, and informed them that I was attempting to register my online account and that I received an error message. I called the Office of the Customer Advocate on Friday, XXXX/XXXX/XXXX, and spoke with XXXX XXXX. She confirmed that when my records came over from XXXX they added an additional name to my account in error. She stated that this will not allow me to register my account online. She said that she received information from XXXX that day, as she was talking with me, confirming that I was the only borrower on the account and that all she needed was my Driver 's License sent to her via email and that she would get this corrected ASAP. She said that she would update me by email. I emailed her a copy of my DL that day. I received an email on, XXXX/XXXX/XXXX, stating that she called me and was n't able to get a hold of me. This was incorrect as I have n't received a call from them nor had I spoke with anyone since the prior Friday, XXXX/XXXX/XXXX. I have been attempting to register my account every day since and I continue to get the same error as before. On XXXX/XXXX/XXXX I decided to file a complaint with the Better Business Bureau. I received an email from XXXX XXXX on XXXX/XXXX/XXXX with Navients Office of the Customer Advocate stating that he was going to be corresponding with the BBB to resolve my concerns. I checked my case with the BBB ( Case # XXXX ) today, XXXX/XXXX/XXXX, and Navient responded to them stating that they would be corresponding with me to resolve the matter as of XXXX/XXXX/XXXX. I fear that this may not get resolved and that I may continue to get the run around. I just want to pay on my student loans with confidence that I wo n't be paying on someone else 's loan. I would like for them to resolve the issue with my account because I continue to receive notices from Navient and XXXX XXXX XXXX regarding my Navient account as I am past due. It has been three weeks and I am still having the same issue as day one. Can someone please see if this can be resolved swiftly? It will be hitting the 90 days past due mark on XXXX/XXXX/XXXX. This could have a negative effect on my credit. And, I definitely dont want any problems with the IRS due to my loans not being paid. 

Thank you for your assistance with this matter, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I booked a flight with XXXX and used affirm to extend payments as offered by XXXX at checkout. Within XXXX minutes I noticed an error in the booking arriving a day to late and called and canceled the booking as XXXX told me to do. I could not rebook because they didn't refund the money to affirm so I had to rebook elsewhere. XXXX shows other site and as agreed posted they refunded the money to my flight. Affirm never received the refund from XXXX according to their customer service. They continue to bill threaten and harass me. I have received confusing differing information from their customer service and XXXX is giving me the runaround. Please see documentation from their website showing a total refund to this flight that they are keeping and not sending to affirm for some reason. This is not what they are telling me. They need to send the money to affirm and affirm needs to stop emailing me saying I owe them. Their website shows a refund processing to XXXX but I'm being harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act capital one 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 an account without my written instructions. 15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Money transfer, virtual currency, or money service

6 unauthorized transactions were made from my banking institution 's checking account to my Cashapp account -- which I no longer have access to because I have been unattachd from my account by the identity thief. The following unathourized transactions were withdrawn from my account via Cashapp. 

XX/XX/2020 - {$1500.00} XXXX {$940.00} XXXX {$600.00} XXXX {$190.00} XXXX {$100.00} XXXX {$100.00} I have attempted to reach out to cashapp on several occasions and have received no responses in regards to the fraudulent activity that have transpired on my account.