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

I sent a letter out to XXXX, Experian XXXX XXXX XX/XX/2023. However it been more than 30 days and the credit bureaus failed to send my investigations back. This is not making sense. According to the law 15 U.S.code 1681 I Procedure in case of disputed Accuracy of any item information contained in consumer 's flie at a consumer reporting agency and the consumer notifies the agency directly or indirectly through a reseller of such dispute the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is Inaccurate and record the current status of the disputed information or delete the item from file in accordance with paragraph ( 5 ) before the end of 30 day period beginning on the date.
Product: Checking or savings account

Someone stole All of my information. Social Security number credit cards birth certificate and have been making charges on my accounts and opening credit cards in my name I want to freeze my account so they cant file taxes in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to the Credit Bureaus for months about items on my credit report that's not mine and they have been saying that they aren't receiving the letters. I know they have and when I call they say that the items are being verified, which I know that's not trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX  all three credit reporting agencies all use the same tactics disabling consumers from entering more than 210 characters when trying to file a dispute. 
This is a shameful tactic that has been allowed to go on unnoticed for so long. If we have a right to a dispute why do they have limits on how many characters are in your dispute?
Product: Checking or savings account

As dated XX/XX/2022, I, XXXX XXXX, Consumer, am aware that Navy Federal Credit Union are taking funds out of my account. See attachment. However, Im aware that Navy Federal Credit Union has closed my account ending in XXXX due to an alleged debt of {$200.00}. However, I have a very simple question for Navy Federal Credit Union, ( 1 ) Does Navy Federal Credit Union comply with Generally Accepted Accounting Principles ( GAAP )? This is a very simple question. Yes or no, Thanks, sincerely. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Product: Credit card

Hello, this is in regard to a an unauthorized charge by XXXX on XX/XX/XXXX  to my Wells Fargo credit card. XXXX  is an app that pairs homeowners with extra space with people seeking vehicle storage. Ive used the app numerous times, and in this instance I booked a space that was advertised for {$100.00}. I completed the booking process, agreeing to a single charge of {$100.00}. I stored my RV in the space for a period of 5 days. Later, a duplicate charge showed up on my statement, which I disputed. I later found out the price I paid reflected a 50 % discount that required booking multiple months to maintain eligibility. 

Had the company indicated that I was ineligible for the discount at the time of the transaction, I would not have booked the rental, or if they had contacted me later and stated that the rental price would be double the agreed price, I would have changed my reservation. Instead they initiated a second, unauthorized charge to my credit card, a decision I disagree with. Likewise, strongly disagree with Wells Fargos insistence that I bear the burden of the unauthorized charge Attached are images showing the advertised pricing in the XXXX app. They make no mention of their intention to charge doubly if multiple months arent booked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized charges on the credit card. when i made XXXX aware they did not resolve the unauthorized or fraudulent charges. When i called to resolve this issue multiple times, there was no one in the united sates able to speak with me. I was passed around and ignored. The charges grew in interest and XXXX has refused to ever resolve this issue. They do not respond to phone anymore, they will simply transfer me to debt collectors. The dispute i did with experian was lacking and did not address the identify theft. Please provide assistance! This happened in XXXX. XXXX will not provide or allow me access to my account to provide any supporting evidence or documentation
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of MY ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt Letter
Product: Credit card or prepaid card

IN XX/XX/2017 MY ACCOUNT WAS COMPROMISED, I CALLED AMERICAN EXPRESS AND REPORTED IT, MY ADDRESS WAS ALSO CHANGED TO A FRAUDULENT ADDRESS, THEY CLAIMED THEY TRY TO SEND ME LETTERS TO VERIFY THE UNAUTHORIZED STOLEN CHARGES AND I DID NOT REPLY TO THE LETTER SENT TO THE FRAUD ADDRESS SO ITS OVER AND I HAVE TO PAY
Product: Credit card or prepaid card

Barclay failed to wait for the police report to be finalized since multiple credit cards were fraudulently used. They closed my accounts are trying to make me responsible for fraudulent debts that I don't owe. 

They can relieve a copy of the police reports to remove the debts in my name. 

XXXX-REPORT NUMBER : XXXX-XXXX XXXX-REPORT NUMBER : XXXX-XXXX XXXX-REPORT NUMBER : XXXX-XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 Account Number : XXXX Inquiries : XXXX XXXX XXXX : XXXX XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card

My wife has XXXX and in a XXXX XXXX  for 3 yrs. She does not know me. The Bank of America ( Allegiant ) refuses to recognize me as her Power of Attorney saying they need a notarized or certified copy of the Power of Attorney document, which includes a notarized stamp, seal and notary signature. I have done this 5 times. XXXX of XXXX the branch office computer showed the account was closed. A month later I got a letter saying Great news! Weve approved your application for a credit card. We never applied for a new card. The new card used her name with no middle initial, and an annual fee of {$59.00}. I had the branch office issue another POA document notarized at the branch office. I got another rejection letter stating Unfortunately, the Power of Attorney you sent was incomplete asking again for a notarized stamp, seal and notary signature although it was provided by the branch office. In XX/XX/XXXX I received another letter stating Unfortunately, the owner name on the Power of Attorney document you sent doesnt match the name on the account, please send us a valid ID for the account owner. They changed the name on the card.
Product: Debt collection

I had a rental unit for an employee that I was paying for, inclusive of the electric and water. On XX/XX/2019 our lease was up and we moved. The XXXX XXXX XXXX XXXX was canceled and XXXX  was installed, the water was canceled and my employee started his own account for water, and when we called in to XXXX XXXX to transfer the service, they informed us that they didn't service the area and referred us to XXXX XXXX. Eight months later Helvey & Associates , Inc. hit my credit reports. I was not contacted at all from XXXX XXXX for the 8 months. I am assuming they failed to disconnect the account and are attempting to charge me for the next tenant that moved in.
Product: Credit card

Doing some home improvement we were looking for the best credit terms for our purchase. The Home Depot website offered a new credit card discount of {$100.00} for purchases over {$1000.00} and 12 months 0 % interest. We put the items in our cart, totalling about {$1800.00} ) and applied for the new card.

Citi card did a hard credit check and sent me a link to see I was approved for a {$5000.00} line of credit AT 29.99 % INTEREST with no mention of the advertised 12 months interest free or the promo discount. I didn't sign up for these terms and I would not have agreed to apply for this credit card if the terms had been clear up front. 

I decided to put most of the charges on a credit card I already had with more favorable terms and put a smaller purchase ( ~ {$340.00} ) on the Home Depot card to see if they would honor the terms advertised. They did not honor those terms and were horrible to deal with on the phone. 

It is time we crack a whip on predatory lending. This was a clear bait and switch.
Product: Credit card

On XXXX I requested a full refund of {$440.00} from Best Buy for a two year renewal protection plan I purchased on XXXX that was unilaterally cancelled by Best Buy on XXXX ( four days before it was to begin ). Best Buy said Id be emailed an answer to my request in five to seven business days ( Reference XXXX ). Today is the XXXX business day and I did not get the answer I was promised, which is not surprising when you consider the following : *I purchased a laptop two year protection plan ( maintenance, accidental damage and XXXX Tech Support with XXXX ) on XXXX for {$300.00}. 
*I renewed the two year protection plan on XXXX for {$440.00} ( XXXX to XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Mortgage

I received notice in XX/XX/XXXX that my mortgage with XXXX XXXX was being transferred to LoanCare , LLC. I was provided a new account number and was informed that I would need to send my monthly mortgage payment to LoanCare ( beginning in XX/XX/XXXX ) under the new account number. I had not received any address information for making the change for direct deposit services - so I continued to send my mortgage payment to XXXX XXXX. 

In late XXXX I finally received a statement from XXXX XXXX " Serviced by LoanCare '' ( I had previously over the years received a coupon book for payment annually ) with the details of my last 3 payments being made on time but now there was also a new charge for {$100.00} added under " Total Fees and Charges '' with no explanation of what this new fee was for. 

I paid my normal mortgage amount to the new address provided in the statement with the new account number and called the LoanCare Customer Service number at XXXX. I asked about the additional fee in the statement and, after some checking, the operator came back to say it was for a late payment in XXXX and XXXX. I mentioned that I had never received any information from XXXX XXXX over the last EIGHT years that any unpaid late fee was due. The operator responded that I needed to have XXXX XXXX confirm this ( note : the operator ended the call by saying " thank you for calling XXXX XXXX. '' When I tried to contact XXXX Bank at their Customer Service XXXX the prompt to confirm my account indicated it was now being serviced by LoanCare and then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

I was charged XXXX for XXXX twice and they didnt even pay for the item for XXXX.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company CREDIT CONTROL SERVICE and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - information relating to the purchase of a bad debt is not proprietary or burdensome.

Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Debt collection

I have a debt collection reporting on my credit for XXXX services that I never used. I do not recognize this account or the details mentioned. This information is inaccurate and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This started back in XX/XX/2021 I called credit acceptance a vehicle loan company to inform them I was having issues due to the Covid 19 problems with my pay being shorted they did not want to help other than tell me I could catch up by paying more the next three payments. That doesnt help when your pay gets cut. I then found a statement form them on their website explaining that they were not reporting lates if you were affected by the Covid 19 issues. I contacted them they were not very helpful I then contacted them every month since to report the credit the way they stated they would on the webpage. I then notified the three credit reporting agencies XXXX XXXX and experience about the issue of reporting wrong information they said they had the correct information being reported by the creditor no dispute was necessary. I then wrote all three reporting agencies and credit acceptance and even had print outs and credit report statements added in these letters showing what I was reading and seeing and they would not do anything about it. XXXX did change the late pats to a freeze at on time during that time so cant complain about them transunion has said they do not investigate weather the information is correct or not other than contacting the creditor I explained that thats not investigating that is taking one sides word over the whole story and going with it since they pay to be reporting that is not correct. XXXX again has lost the dispute and wants to have me send another. Now XXXX says they had made a mistake and is further investigating the dispute and just wants to add a statement that I was effected by Covid I said thats not good enough if the creditor says they are gon na do this they need to do this for everyone that was effected I have dates names of people spoke to and times of conversations dates and information sent via mail out and of mail being excepted at these reporting agencies and credit acceptance. I am tired of bug greedy corporations and these credit reporting agencies picking on people not correcting information especially in these times that people are reliant on their stupid scores for everything from rent to insurance to utilities even sometimes being given a job or denied a job. These scores since they think they are so important need to be reflected as correctly as possible and they dont seem to care. My score dropped on XXXX XXXX alone from a XXXX in XX/XX/2021 to a XXXX last month. I have not been late on anything nor have I applied for any credit everything is basically the same from that time till now except my credit acceptance account. Which again needed help with but they refused to do anything but let me be five days late then bam got a 30 day and a 60 day late all the way till last month. Now they are calling every hour and not answering the other line they wont leave messages but I have a phone log of them calling every hour or two same day for several days in a row. Illegal as all can be.
Product: Credit reporting or other personal consumer reports

The late payments listed here do not align with my consistent payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60dayXXXX. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX has multiple times reported incorrect information on my credit report. Such as the amount of late payment on XXXX auto loan. The Fair Credit Reporting Act ( FCRA ), Public Law No. XXXX, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) These incorrect late payments violate my rights and I request the immediate removal of them due to their failure to respond to prior request. XXXX being penalized because their Equifax data breach that I was apart of.