23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

on XX/XX/XXXX made an online purchase for a watch from a online merchant. i made the purchase but then tried to cancel 1 hour later because the online address was not to be found,, i couldnt email or phone the merchant there were no options to do that. i called the credit card company immediatly and told them my story and they said they would reverse the charge no problem ... than they said they couldnt i would have to file a dispute. I did that they gave me temporary credit and than as of XX/XX/XXXX they rebilled me and said they have proof of delivery of the merchandise? i never received any such merchandise and i checked the tracking number the credit card company sent me and i called XXXX  and the tracking number is invalid and never had any such delivery. The credit card company is reinvestigating the merchant but will not give me temporary credit until they validate the merchant which there is no merchant available to contact .They will not give me any info as to whether or not they have any contact info like a phone number or an email addresss and they are not giving me a straight answer.. In conclusion they are running me around and not giving me me credit refund. they are fully liable i called them immediatly after purchasing the item and told them it was a scam site!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly on the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) I never authorized this account to be opened ; I never signed these documents ; and consequently my signature was forged. I have attached a copy of the XXXX Retail Installment Contract and Agreement datedXX/XX/2018. I have contacted the ( 3 ) bureaus to have this issue resolved, however I have not been successful. Reporting of this fraudulent account is hurting my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score with the three leading credit reporting agencies has been over 800 for several years. Suddenly, my TransUnion score dropped 60 points, from XXXX to XXXX in one cycle. 
I called TransUnion and after five representatives over three separate calls, I finally found a representative who helped identify information leading to the change. According to the information, an account I have with XXXX was " closed ''. I explained the only change I had with XXXX was the company re-issued new debit cards to customers in response to a potential breach at a national retailer. The TransUnion representative then stated that made sense since a new debit card would " appear '' as the closing of an account and erase all that history I had with the account. She even said the same thing happened to her once. I stated that did not make sense since the debit card is only tied to my checking account, and my old debit card was up for renewal in the near future anyway and the XXXX reissue just happened to occur first. She insisted that had to be the case since there were no other changes or adverse activities on my report. By the way, subsequent calls to TransUnion representatives offered no help as those representatives just insisted they ' ... don't have to provide a reason why [ my ] score dropped ', and one representative saying, "  XXXX is still not a bad score '', as if that would assuage me. 
I called XXXX and informed the representative taking my call what the TransUnion representatives said. The XXXX representative agreed with me and said there should be no reason why a new debit card issuance would in anyway affect my credit score. 

If this happened to me, it potentially happened to every XXXX customer who had a new debit card issued. I do not fault XXXX, I fault TransUnion. 

Oh, by the way, my credit scores with the other two agencies still remain well over 800. Go figure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I reached out to XXXX by mail to inquire the method of verification for a chapter XXXX that was listed on my credit file with them according to XXXX XXXX and myfico, I received a response by mail a little over 30 days later, informing me that no bankruptcy was listed in my credit file and that they would send me a copy of my credit report to show this. Once I received my report, a month later, I found that they were correct and due to seeing the given item was still reporting, I reached out to myfico and was informed they can only report what XXXX gives them. At this point, I don't know what how to resolve this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on several inquiries on my Equifax credit report that I did not recognize. Their response was that they couldnt remove them. My name and information was part of their security breach and thats why I disputed those inquiries. Nothing was resolved
Product: Credit reporting or other personal consumer reports

I have a few things on my credit report that are hurting my credit profile. These two accounts are both reporting on my credit profile that were bought out by third party collection agencies, who I did not authorize or consent my personal information to. Because of this error, it is lowering my credit score, and increase derogatory marks on my credit report. I am unable to get any loans at this time and my interest rates are through the roof. National Credit Systems ( Original creditor XXXX XXXX XXXX ) XX/XX/XXXX. 

XX/XX/XXXX National Credit Systems XXXX XXXX XXXX XXXX XXXX, Ga XXXX Subject : Notice of Dispute for Improper Communication in Debt Collection Violation of 15 U.S. Code 1692c Dear National Credit Systems, I am writing to formally dispute your recent communications regarding an alleged debt that I am purported to owe. This dispute is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c. 

In your communications dated XX/XX/XXXX of improper communication, you violated my rights as outlined in the FDCPA by : Contacting me at an inconvenient time, specifically XX/XX/XXXX, XX/XX/XXXX. 
Contacting me at my place of employment, despite knowing or having reason to know that my employer prohibits such communications. 
Failing to communicate through my attorney, despite being informed that I am represented by legal counsel. 

These actions are clear violations of the protections provided under 15 U.S. Code 1692c. As a consumer, I am entitled to privacy and fair treatment, and your conduct has been contrary to these legal standards.

I hereby request that you cease all further communication with me, except as legally required, and that you take immediate steps to correct your procedures in compliance with the FDCPA. Any further violations of my rights may result in legal action.

Additionally, I am requesting full validation of the debt, including : 1. Verification of the amount of the debt ; 2. The name of the original creditor ; 3. Any supporting documentation proving that I am liable for this debt.

Please respond in writing to acknowledge receipt of this notice within 30 days. Failure to comply with this request may lead to further actions, including filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).
Product: Vehicle loan or lease

The company sent some form of a letter stating the car was sold for over $ XXXX and never updated the accurate amount and for years have had the wrong balance causing me to dispute it as incorrect. Then they sold the account and both them and the other company put it on my credit at the same time. Exeter Finance and another company had the debt and two different amounts. 

In the pictures attached you can see even the balance being {$6200.00} ( which isnt the price after the vehicle was sold ) on the XXXXXXXX XXXX XXXX  file that Exeter Finance sold it to saying the balance is {$7500.00}. Exeter Finance is reporting AT THE SAME TIME wrong off {$9200.00} with a now balance of {$0.00}. This is completely inaccurate information. 

Under 15 U.S.C. 1681s-2 ( a ), Exeter Finance is required to provide accurate information to credit reporting agencies. Since Exeter Finance has failed to comply with this code by not updating the balance after my repossessed vehicle was sold, I am requesting immediate removal of this inaccurate entry under 15 U.S.C. 1681c ( a ) ( 4 ).
Product: Debt collection

Mns Associates llc is harassing and calling my Family, employers, and people I know. I do not owe any debts to them. They are harassing people. They have not tried contacting me. But instead harassing and calling all of my contacts. I want the harassment to stop. I want all of the calls to stop. I want mi further contact from them. I do not owe any debts to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

A recent investigation of Acct Number # XXXX Creditor : XXXX XXXX  XXXX did not remove the unverified negative account from my Equifax credit report, reporting in collections. 

Equifax Under the FCRA is required to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In results of their investigation they did not send me provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) In addition, in the case of XXXXXXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). OnXX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX  sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX  on the debt collection claim before he had mailed XXXX  the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.

The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
Product: Debt collection

Saturday, XX/XX/2018, XXXX XXXX. After repeated calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX I called them back in an attempt to find out what the nature of the debt they were calling about was. After several minutes talking to XXXX XXXX where she got my information to make sure of my identity she finally told me they were a debt collection company and trying to collect a debt. This was after she questioned me about my identity. 

I asked what the debt was several times and was never told. I asked for a supervisor and again they began asking me my name, dob, social security number, address and phone. I declined to give the information again and was hung up on. 

I can't verify that this is a legitimate debt as they will not give me any information.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were listed on my report that I did not authorize XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Filed a dispute with Experian for XXXX XXXX XXXX the dollar amount shows {$160.00}. This dispute was submitted XX/XX/2023 at XXXX XXXX, by XXXX XXXX  the system automatically returned my dispute saying nothing has changed There was also the same situation that occurred with XXXX. The company reported over {$11000.00} owed on my credit. I filed several disputes and Experian denied all disputes even with relevant information. I was forced to take XXXX to court and the balance was updated per court order. The correct amount was {$2500.00}. I contacted Experian by phone and online and was mistreated and ignored. 

XXXX contacted Experian and XXXX XXXX ( with XXXX ) emailed me XX/XX/. The very next day the reopened my dispute. I have been receiving unfair treatment from Experian and theyve not investigated my disputes according to the Fair Credit Reporting Act. 

This is my final attempt to get assistance before taking Experian to court like I did with XXXX.
Product: Credit reporting 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.

has violated my rights. Or a 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 inaccurat
e.
Product: Student loan

This is an on going complaint : They modified the loan without proper approval by me. 
They sent opt out letters combining Buyer and co buyer without sending separate letters to each signee. 
Their payment history did not show the break out between interest and principal. 
they close each complaint without giving a proper answer.
Product: Credit card

Arbitrarily and capriciously, and with no legal permissible reason for any denial - especially since the Discover supervisor said not even a soft credit pull is even done- just that my payment history is reviewed - I was inexplicably denied for a credit line increase. Thus, the only reason Discover denied my credit line increase for a I am just of the wrong race- since I have never been late or had any interest charges with Discover credit card. Discovers arbitrary and capricious business practices and refusing to give any reason for denial makes me feel sub human. I am very close to ending my relationship with Discover credit card because of unethical business practices by the bank.
Product: Credit reporting or other personal consumer reports

XXXX is reporting an account that does not belong to me. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) is reporting a debt of {$640.00} to TransUnion and XXXX. I have advised TranUnion and XXXX this is not my account or debt. The opening date that both TransUnion and XXXX is reporting is XXXX. I was a monor at the time I was only XXXX old. I advised them that my identity was compromised. And I sent proof of my age at the time this account was opened. THIS IS NOT MY ACCOUNT. PLEASE HELP. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I am trying to recover the rest of my money that has been transferred and embezzled out of my Wells Fargo business account. The embezzler was paying off a fraudulent credit card by using said account, completely unauthorized to do so. This has been an ongoing battle for around 2 years with no satisfaction and am only ever told it is under review. My business account has been previously closed XXXX times due to fraud performed internally. Now, this time, it has been by my previous employee. 
I have made numerous attempts on many occasions to be reimbursed. It is obvious, by all records concerned XXXX even including an admittance letter of fraud from Wells Fargo XXXX that this was embezzlement and has put me in financial hardships, caused immense mental anguish, as well as almost put me out of business. I have tried to speak with someone from Wells Fargo on countless occasions to resolve this issue to no avail and have even employed a lawyer to send a demand letter requesting reimbursement. I do not want to go to the expense of filing a law suit unless it is absolutely necessary. 
Any and all help would be greatly appreciated. 

Payment of {$1200.00} on XXXX XXXX, XXXX. 
Payment of {$1700.00} on XXXX XXXX, XXXX. 
Payment of {$1600.00} on XXXX XXXX, XXXX. 
Payment of {$750.00} on XXXX XXXX, XXXX. 
Payment of {$950.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1900.00} on XXXX XXXX, XXXX. 
Payment of {$2100.00} on XXXX XXXX, XXXX. 
Payment of {$3200.00} on XXXX XXXX, XXXX. 
Payment of {$2100.00} on XXXX XXXX, XXXX. 
Payment of {$2100.00} on XXXX XXXX, XXXX. 
Payment of {$2000.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1800.00} on XXXX XXXX, XXXX. 
Payment of {$2500.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$2800.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1300.00} on XXXX XXXX, XXXX.
Product: Checking or savings account

On XX/XX/2020 I logged into my Wells Fargo mobile app as I usually do in a daily basis to manage my accounts, only to discover that my checking account was charged for four ( 4 ) separate transactions equaling to {$49.00} in the state of Georgia which i have never been to. I immediately called Wells Fargo Bank and let them know of the situation, they proceeded to cancel my debit card and send me a new one, as well as opening an investigation. Wells Fargo Bank is refusing to reimburse me for my loss stating that my " pin was used '', even though I only had one ( 1 ) card for that account and I am the only person that has ever known my pin for that card. I also argued that i used that card on the same day as those fraudulent transactions-in a different state. How could I be at two different states at once for physical transactions? I requested an appeal from Wells Fargo 's Fraud department but unfortunately they are refusing to resolve this matter and reimburse me even though I caught and reported the four fraudulent transactions within just a few hours of when they made. As a long time, faithful Wells Fargo customer, with multiple accounts and direct deposits, I am truly offended and upset at how they have responded to me. The only positive thing of all this is I'm glad I got to see the true side of Wells Fargo bank before I cashed out my 401k account, as I will be using a more reliable bank with better customer service for my deposits.