23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On Friday XXXX XXXX I contacted equifax to dispute a duplicate charge from XXXX. I explained that there are XXXX accounts listed, XXXX closed and XXXX open with a balance of XXXX. I explained that the account was closed in XX/XX/XXXX and this account is a duplicate. Equifax reported on XXXX/XXXX/XXXX that they had completed the investigation and that they contacted XXXX and " the balance is being reported correctly ''. Equifax then changed the date of last reporting on my credit report to be XXXX/XXXX/XXXX. On XX/XX/XXXX I contacted XXXX and they stated that they have never been contacted by equifax and that I have no open accounts. They stated that there are no open accounts and They mailed me a paid in full letter. I have tried multiple times to file another dispute with equifax online, but their system states that the info I 'm inputting is not valid and it will not allow me sign in. This duplicate account has been on my credit report since XX/XX/XXXX and is currently prohibiting my ability to obtain a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, ( XXXX XXXX ) {$690.00} .. Submitted Identity theft dispute to credit agency XX/XX/XXXX, $ ( XXXX XXXX ) XXXX ... Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX XXXX ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX XXXX XXXX  ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$20000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$410.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX/XXXX ) {$970.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$4000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$180.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX XXXX ) {$240.00} Submitted Identity theft dispute to credit agency
Product: Credit card

Chase Bank Credit Card 's dispute service is poor. It is often lack of response and leave the issue unsolved.      I disputed a charge through Chase Freedom Credit Card. After I filed dispute, I was issued a conditional credit. However, without any communication or follow up, Chase rebilled the amount of dispute. I contacted Chase for the explanation, but no   response.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to inform you about a concerning matter regarding the loan associated with a XXXX XXXX XXXX After conducting thorough investigations, it has come to my attention that the loan used for this lease was obtained fraudulently. 

I have taken immediate steps to address this issue and have reported the fraudulent activity to the appropriate authorities. I understand the seriousness of this situation and assure you that I am cooperating fully with the authorities to rectify the matter. 

As a result of the fraudulent nature of the loan, I am unable to fulfill the terms of the lease agreement. I kindly request your understanding and cooperation in resolving this matter promptly. I am willing to provide any necessary documentation or information to assist in the resolution process. 

Please advise on the next steps we should take to ensure a smooth and fair resolution for all parties involved. I am committed to working closely with your team to mitigate any potential impact and reach a satisfactory outcome. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have had a free Experian account for a number of years. The reason is, I have a freeze on my credit so no one can access my information. Periodically I check that account to make sure everything is correct. Yesterday, XX/XX/XXXX, and today, XX/XX/XXXX, I decided to change my password as a security precaution. I attempted to use my password and reset my password numerous times. I attempted to get a one time passcode via text message through my phone on file with Experian and never received a text message, the number has always been successful in the past. I called the phone number listed for help with a problem and was never able to speak to a live person and there were no options to describe my problem. The AI attendant doesnt provide a representative to talk to and terminates the call when you asked to speak to a representative. 
As stated previously, Ive tried numerous ways to resolve the problem and have been unsuccessful in getting any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure this is the right category to file this under and please correct it if wrong. 
I went to XXXX on XX/XX/XXXX to buy my son a XXXX present. I wrote a check in the amount of {$170.00} The cashier ran it thru the check approval system and it was DECLINED. I said please run it thru again as the is impossible. I have over {$5000.00} in my checking account and a credit score of XXXX and have never had a check declined in my life It was declined again and I was given a printout about why. It was a company called CERTEGY. I was embarrassed and humiliated by this episode in front of all in line. 
I called the number given but could not talk to a real person only an automated system which when given the information only confirmed the denial with no appeal and it was final. I write checks all the time with no problem and now can not get answers. I have called and called and the same thing happens Only reason given on the paper was code 2 which is ridiculous as it states Certegy Deny Code 2 Lack of History Deny Code 2 is the most common reason for a merchant to deny a check. This code is less an indicator of fraudulent activity from the check-writer and has more to do with potential risks from the merchant in the past and other locations nearby. 

The most common reason this code gets triggered is when a writer has little to no history of writing checks or the behavior is out of the ordinary. If you dont use checks normally and decide to use one to pay for a new expensive item, this code may pop up due to its abnormality, though specifics are not released. 

I have wrote checks since XXXX and have had my present account for over 20 years and write checks all the time. There is no reason for this I went to my bank and asked if there was a problem there and they were incredulous. I filed a complaint with XXXX and XXXX. I have faxed Certegy many times now and no one is responding to my complaint and why this has happened as there is no way this should have occurred.

I saw many complaints online against Certegy for this same issue. This needs to be stopped and this company shut down. I want an apology from both them and XXXX  and this issue resolved and assurances that this will never happen again.
Product: Credit reporting or other personal consumer reports

When I looked in my credit report, I was confused to see multiple months that are inaccurate that I was on time for. I always look to make timely payments, these are clearly not 100 % accurate. I demand that the payment status are removed and updated to on time for the months that are clearly inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXXXXXX Account Number : XXXX XXXX. Past Due- {$3700.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX on the Account, incorrect info and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXXXXXX XXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I continuously contacted the credit bureaus and the company XXXX XXXX XXXX showing them my identification and proof of my residence. That the debt is not valid and it has not been removed from the credit report. The collection company has my identification from two states XXXX, XXXX and XXXX XXXX   showing them where I reside and continue to reside. The debt is not valid. It needs to be removed from my credit report since it impedes me from getting home loan.
Product: Credit card or prepaid card

I had a Citibank Credit card that they allowed multiple fraud transactions to go through in another state ranging from 40-70 each. Citibank failed to notify me and I only learned of their lack of security when I was declined. I called Citibank and was only them informed by them about fraud purchases. I went over with the rep most recent purchases and I disputed all fraud purchases all in another state that Citibank allowed while they declined me. I was told disputes would be started and they would close account and that a new card would be issued. Before I received and even activated the second card Citibank allowed more transactions on new cc. When I asked how this was possible I was told the new cc number was probably a recycled number more like inside job and lack of security. I still wasnt refunded my money and Citibank was giving me problems. I spent over and hour on the phone with multiple reps disputing the fraud charges repeatedly. Ive made 20-30 calls just to get through often times being hung up on, talked over, transferred to close departments or just flat out lied to. Citibank preys on their phone customers not having access to local branches by giving them the run around. After Citibank allowed purchases on a card I had yet to activate I told them I didnt want them to send me a third card, they lacked security and its too difficult to get a resolution or a knowledgeable person on the phone. After some time and more calls My credit account showed fraud charges were reversed but my total balance due never went down. How is that possible? Citibank manipulates the online posts to account. You can go in one day and it shows total different from the next, I have screen shots to prove this.

Also Citibank did not honor the credit card agreement and give me my rewards due based on my spending which usually equals at least a 50 statement credit. 
They also negatively impacted my credit report since all these problems began. Now my credit card has the highest interest rate possible and an amount that was never adjusted. I also successfully contacted the CEO XXXX XXXX via email regarding my credit card and checking account and received an email response from the Executive office saying someone would contact me but like Citibanks response to CFPB that was a lie.not only did I not get a response but when I called no one would help me and told one one person could help me and they werent available and would contact me, another lie. I only received phone calls after complaint to other agencies. It was 3 consecutive phone calls one day with no voicemail. Then they knocking send letters that include lies.
Product: Credit card

I received a email stating that my credit limit had been reduced even though I have NEVER missed or have been late with a payment
Product: Debt collection

I called the number on the law suit filed against me my Midland Credit Management to contact the atty listed on the paperwork. I was told I can't talk to the attorney at this number. I asked about details and options about this and was repeatedly asked questions refusing to answer any question. The paper work in the suit is not in line with details and amounts in the suit and looks like other debts are trying to be included in the suit as additional details going beyond the scope of the suit. This looks like the behavior from the https : //oag.dc.gov/sites/default/files/2018-12/Multistate-Midland-AVC.pdf has been extended to other states and has worsened.
Product: Credit reporting or other personal consumer reports

I file a complaint on XXXX XXXX XXXX case # XXXX XXXX. They responded that they sold my account to Jefferson Capital, which according to consumer law that is illegal. Jefferson Capital have called me several times and sent me letters. According to 15 USC 1692e ( 14 ) False and Misleading Representations- The use of any business, company, or organization name other than the true name of debt collector 's business, company or organization. 
15 USC 1692j- Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating the collection or in attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with provision of this.
Product: Debt collection

XXXX19 XXXX XXXX XXXX XXXX XXXX ( XXXX ) left a message regarding a debt that my brother and his girlfriend have. I am not a cosigner nor have anything to do with the loan. I don't know how they obtained my house number, the number is not even under my name nor is it connected to my brother in any way. I called and asked them to take my number out of the system and not to call again, a representative ( did not get his name, was a Male with a heavy XXXX accent ) assured me my number would be taken off. 
XXXX19 XXXX I get home and there is another message from XXXX XXXX I called again and explained this issue to Ms. XXXX, whose response was " mam, can you calm down? '' Mind you I wasn't yelling or anything, I was just frustrated that this company XXXX  their way into my house phone number and are taking liberties they shouldn't be taking. Instead of an apology or acceptance of their wrong doing, I got an attitude. Now, I don't know much about debt collection practices but I don't think that the company can XXXX their way into contact information of family members of their clients and contact them regarding a debt they have nothing to do with it. Also, by calling and leaving messages about debt collection they are dispersing information about overdue payments regarding their clients.
Product: Consumer Loan

My complaint is in regards to Honda finance as well as XXXX XXXX. First of all I was laid off XXXX XXXX and I called from day 1 for assistance while I sorted out how I will be able to survive on less pay. Honda was unwilling to do anything. They also were suppose to change my payment date from the day I got thr car and never did and the recorded phone calls fell through the cracks so I 've been paying late fees on top of it all for months when if they had did their job I would n't have had late fees. Then now since XXXX I 've been behind XXXX payment due to being unemployed, however once I received unemployed I 've been making payments that are more than my minimum but all I could afford and after 6 'moths of doing so with no issue I find they put a repo on my car yet they refuse to take a payment other than through XXXX XXXX. XXXX XXXX confirmed our payment to Honda yet sent it to another company anyway and after a week still have yet to even attempt to resolve this issue or take accountability for THEIR error. They were suppose to fix the issue on XXXX, we have called several times and they still have n't resolved it and my car is in the process of reposition still and neither company will take accountability for the lost payment which I have confirmation of making despite XXXX XXXX not doing their job correctly. Now Honda will not stop the repossession of my car in the meantime over ONE PAYMENT LATE. So now my money is gone and I have no way to make another {$380.00} payment and my car can be taken from me at any time. Further more Honda gave me NO WARNING. They claim to have sent me a notice for the repo months ago that I never received and they refuse to find the certification letter to see who signed for it because no one in my household or that I know signed for the letter and I do n't believe they even sent it. I feel like I 'm being taken for a ride for trying to do the right thing and I do n't want anyone to have to go though this, especially when it 's hard enough to survive when your unemployed. Not to mention I can loose everything I have all over again like my new job because they would rather take my car over being 30 days on XXXX payment that they have proof I attempted to make. Either way I never want to even look at a Honda again after being treated so poorly. Never in my life have I had a car company treat me this way especially when I 've been in constant contact and they were fully aware of my lay off as I called them before my family even knew that I was unemployed and still made payments higher than my minimum due with no issues for months to try to resolve this matter.
Product: Credit card or prepaid card

My XXXX  account was hacked and I was kicked out. They charged multiple gift certificates and XXXXXXXX XXXX on my XXXX, XXXX debit/credit card and work credit card. 
I have XXXX XXXX XXXX and they have found loan applications and credit card applications. Comenity Capital, XXXX XXXX, XXXX XXXX, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information and requested that they look for fraud or identity theft. They did nothing. I asked for them to send me documentation of the contracts with the merchant that reported the negative items and they still did nothing. This company is blatantly avoiding following the law and the negative items they report in error should be removed immediately. Delete these items for lack of verification and or fraudulent since you can not verify. XXXX XXXX Account Number : XXXX XXXX card Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Bank Account Number : XXXX XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX  Unverified, Inaccurate or Not Mine XXXX XXXX Bank Account XXXX Unverified, Inaccurate or Not Mine
Product: Debt collection

I have constantly contacted XXXX  with concerns regarding accounts : XXXX XXXX XXXX  {$530.00} XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$150.00} Southwest Credit Systems {$100.00} XXXX XXXX XXXX {$200.00} XXXX  with XXXX XXXX XXXX advised I would need to contact the police department and FTC  regarding identity theft. They refuse to investigate as they should. They send the same generic dispute results and it is disgusting at this point. XXXX also confirmed my report can be accessed without my authorization causing unauthorized inquiries and there's nothing I can do about it besides report it to FTC  and make a police report. 

XXXX advised they have an electronic system and communicate with the agencies and if matches their records it is verified. They are unable to submit to me the results of their investigation besides the generic language. 

To zoom in on an issue, Southwest Credit Systems have sent me a bill and have yet to show this is my debt. XXXX the original creditor, has first used XXXX XXXX, then XXXX XXXX now Southwest Credit Systems.
Product: Mortgage

My Homeowners Insurance lapse in XXXX and I was not aware of this. There were letter sent to an old address of mine and I did not know of this until my mortgage payment changed and I went to the website and saw what was going on. The policy lapsed for about 7 months and I was charged {$4000.00} for that period. I attached the policy that they sent me. My insurance policy that I obtained after the other one lapse was {$2800.00} a year. 

I did not receive a call from Rocket Mortgage to inform me about the lapse of insurance and only letters were sent. I understand that I am responsible for maintaining insurance coverage but I thought I had. I was not properly informed. 

I attached the policy place by Rocket Mortgage and the policy that I paid. I was told that the higher premium is because the force placed policy was not underwritten which makes no sense. The house is a newer home built to hurricane code. I wonder if this is a revenue stream to Rocket Mortgage. 

If you need additional Information please let me know. I attached copy of the policy they sent me. 

XXXX
Product: Credit reporting or other personal consumer reports

These accounts are in violation of XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, has violated my rights.15U.S.C.1681 section 602 A. state I have the right to privacy. 15U.S.C 1681 section 604 A Section2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I applied for a bestbuy credit card and made an online purchase the same day. The card was mailed to my condo instead of my mailing address. It got returned by the post office. I called bestbuy to setup an online account so I could make a payment and they would n't let me do it without giving them the full card number. Now the payment due date has passed and they will not accept my payment over the phone unless I give them my checking account number. 

my issue is that I 'm late with a payment because they did not get the card to me. I still do n't have the card after XXXX months. They were able to do a purchase over the phone but ca n't assist me in setting up my online account.