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

While checking my AT & T Universal Citi Bank Master Card online account, I found 12 charges totaling {$3500.00} that were not my charges. Me and my wife have these cards and no one else. We have both had them in our possession and no one else had access to them. All of these charges were at several different XXXX XXXX XXXX around the XXXX XXXX area. Neither me or my wife have been to the XXXX XXXX area in several years and have never been to any of these XXXX XXXX XXXX 
I contacted the Master Card Citi Bank Security and reported the charges. While making contact I found that my Security Code acces name had been changed which I did not do. I also found that a new address and phone number had been added to my personal information. This also was not changes that I had made. The address that had been added was in XXXX XXXX which is near XXXX XXXX and where some of the charges had been made, at the XXXX XXXX XXXX XXXX. I told the security people that the security code, address and phone number was not mine and to remove them. They cancelled my card and issued a new one. 
After receiving my new cards, a few days later I activated them and later checked my online account and found that four charges had already been put on my account that was not mine. Charges totaled {$1200.00}. These charges were made before I activavated my cards. Again, me and my wife had the cards continuously and had neither been around the area where the charges were made. I again contacted the credit card security to report the charges and found that the bogus security code had not been removed. Also the XXXX XXXX address and phone number was still there. After security cancelled my old card and issued a new one, they forgot to remove the information that had been added by the thief. When they mailed out new cards, 2 cards came to my address and one went to the thief 's XXXX XXXX address. I stayed on the line with security until they could tell me that the bogus information had been removed. They insured me that I would not be held responsible for any charges that were not mine. 
My next contact with Security was when they advised me that I would be responsible for paying for the charges because they found that the charges were made with a computer chip in our credit card which is my responsibility. I told them that it was likely that a chip in a credit card did make the charges as they mailed the thief a credit card on my account. They seemed to have difficulty connecting the credit card being sent to the thief and my credit card chip being used to make the charges, or possibly didn ; t want to address sending the thief a card. 
My next two contacts with Security remained that I would still be responsible for paying for the charges as their investigation revealded no fraud. 
I have no intention of paying for any fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified via Experian that a collection was placed on my credit report. The collection agency is XXXX XXXX XXXX, XXXX the original creditor is : XXXX XXXX. I have never had a XXXX XXXX account, and this is not my debt. I called XXXX XXXX and was told they tried to contact me at : XXXX XXXX XXXX XXXX, I have never lived at this address. The collection is in the amount of {$290.00}. This debt does not belong to me ; I would like it removed from my credit report and my score updated. XXXX XXXX also stated the debt was from XX/XX/2020. I have been using XXXX XXXX, and XXXX XXXX for the last 5-6 years. 

This collections debt has severely damaged my credit report at a time I was looking into refinancing my home.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having major issues with XXXX and their horrible reporting issues. First my payment in XXXX they kept having issues processing payment. They charged me a late fee when the issue was on their side as I kept having to wait for them to add the bank account and verify. I also responded in multiple emails for them to charge my account which they kept making excuses for saying that I responded to the wrong email or missed a word. It was ridiculous and I told them I refused to pay their XXXX late for their issues. I made the payment for XXXX My payment due was XXXX. So they instead reported my account as past due for the month for XXXX which was the balance of late fee which I refused to pay due to their errors since I paid XXXX which was more than payment due. They still have not fixed on my account as paid on time on credit reports, but found the investigation and ended up refunding me XXXX in XXXX for the error. Which is attached in emails. Next I made my XXXX payment for XXXX. I sent them copies of my bank statement as well as the screen shots added and they still said it was late. They told me my bank account was Frozen. Which again is not true because then they withdrew on XX/XX/XXXX and XX/XX/XXXX from that same account 2 more payments. They have tons of issues and I am tired of them reporting incorrectly. Claiming my bank account is frozen even though they have taken 6 payments from it and then reporting my account as late incorrectly on my credit causing irreparable harm and stress. Then to add insult to injury you will see in all the emails when they are wrong they do not respond for XXXX, 30 days and half of the emails bounce back. So they do not respond in any timely manner what so ever!!! This is by far the worst company to deal with.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

An alleged debt in the amount of {$280.00} was reported to Equifax, XXXX, XXXX for an account from XXXX ( acct. # XXXX and/or # XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX with HSBC in XX/XX/. After I submitted the application I never heard back from them. I forgot about the application until one day I checked on my credit score and according to XXXX, there was a hard pull from HSBC onXX/XX/XXXX. I called XXXX  and was told that I had to call HSBC to remove the inquiry. I called HSBC at least 3 times last year trying to resolve this problem. However, I got transferred to different departments every time and not a single person could find any record of me or the application. I am still confused what had happen on their end and would like the hard inquiry to be removed - or at least they should have told me if I got approved or not.
Product: Debt collection

I called based on the information provided on my credit reported and advised that they have the wrong person as I don't owe those funds. They refused to remove or provide information to help solve the problem. They now state they since it is not mine, they can't provide any information but yet and still they leave it on my credit report. I have never received anything from them about it at my long-time residential address.
Product: Debt collection

I disputed this account and asked for proof from the original creditors of these collection companies that the debt collector owns this debt and has the legal authority to collect it or delete this account. 

PORTFOLIO RC with account # XXXX
Product: Vehicle loan or lease

My vehicle was stolen in XX/XX/2022. The insurance company declared a vehicle a total lost and issued payment to the lien holder. The vehicle was paid off by the insurance company however the lien holder sent a delinquent account notification in XXXX. When I spoke to the lien holder, the company explained, no payment was due the notification was sent in error. I continued to follow up weekly to validate the account was paid in full. They confirmed on multiple occasions no payment was due. 

I recently went to purchase a new vehicle and was told a late payment is reporting on my credit. There was never a late payment made on my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and noticed a account and multiple hard inquiries I do not recognize
Product: Credit reporting or other personal consumer reports

A fraudulent address and telephone number was used to creat a credit card under my name with XXXX The information they used to open the account was fraudulent and not my information
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX to get the loan I took out paid off but they tell me the loan was sent to the debt collector and that I have to contact them but when I tried to contact the debt collector they tell me they dont have any information and that they cant find me in the system but I cant pay my loan if I cant access it to pay it and thats a problem when it keeps hurting my score I have even reached out to Experian to see if they can stop saying its delinquent when I cant access it to pay it off and they tell me its accurate with what affirm is reporting
Product: Vehicle loan or lease

I purchased a XXXX XXXX in XXXX 2008 and Believe Interest rates where too high, I was sols the Vechile for XXXX dollars with {$1300.00} for trade some this monies were first finaniced by XXXX XXXX XXXX SInce that time I have made 50 payments of {$330.00} for total of {$16000.00} for this van as of today I am still on the hook for {$7000.00} additional fee the van was repossed and sold for {$1100.00} by Santander, this has been on my credit for over 10 years I have reached out to pay {$500.00} to have these charges taken on of my credit report to no avail as you can see I have paid a total of {$19000.00} for the van and Santander claims I still owe {$7000.00} dollar on this worthless van, can someone help as I am trying to get this off of my credit to purchase home.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions that I have made or authorized.
Product: Credit card

Since XX/XX/XXXX, someone has repeatedly ( 8 times ) attempted to open Chase credit cards and Amazon credit cards through Chase Bank. These applications are showing up as hard inquiries on my credit report, and I am not applying for these cards nor am I authorizing the hard inquiries. I have received letters from Chase letting me know of this attempted fraud and have called the number provided to have those applications deleted and requested that the inquiries be removed from my credit report, and I have also placed a 90-day fraud alert on my credit file. I also signed up for XXXX. Despite this, I am still having someone trying to open cards with my information. After months of taking all this action to prevent this from happening, it continues.
Product: Student loan

Fedloan servicing sent my student loans to XXXX when they were supposed to send them to XXXX. They failed to even record the transfer, so it was listed as still being at XXXX XXXX. 
This caused my credit score to decrease unnecessarily, because now I will have 2 closed accounts instead of one. It has also caused an almost year long delay to my PSLF application being processed. This has been a huge financial burden to my family, and we are unable to make plans.

I applied for PLSF in XXXX and have followed up for 10 months with few answers. I spent months calling XXXX and was finally told this summer that Fedloan did not transfer my account, because they failed to verify my current employer of 13 years ( though it was on the application ). Instead of verifying it, they transferred it in XXXX so XXXX would have to do it, but it still had not been processed at all and never showed on my account. 
After many, many calls, I spoke with XXXX who said that Fedloan had my loans recorded as still being with XXXX XXXX. In reality, Fedloan transfered my application to XXXX and my loans to XXXX. After XXXX years of paying, 15 years of working for nonprofits, and 11 months of trying to get my application through, nothing has happened. XXXX has not even received the request to transfer my loans. When they do transfer, my account with them will close, and it will lower my credit score for no reason. They should never have had my loans, so it makes me look like I had an account for a very short time. I go to a great deal of trouble to keep my credit score high and am in the process of trying to buy several properties. I can not afford to have my credit sabotaged by incompetence.
Product: Debt collection

this company keeps threating me harrasing me i dont know them keep on asking them to stop calling me they refuse there threating me to throw in jail please have them stop bothering
Product: Credit reporting or other personal consumer reports

" Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit? '' XXXX XXXX 15 USC 1666 15 USC 1637a.a 15 USC 6802
Product: Credit reporting or other personal consumer reports

in accordance with fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : XXXX XXXX XXXX XXXXXXXX XXXX. account XXXX : XXXX account name : XXXX XXXX XXXX XXXX XXXX : XXXX account name : XXXX XXXXXXXX XXXX XXXX XXXX account num : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section2. it also states a consumer reporting agency can not furnish a account without my written insturctions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States. no consumer reporting agency my make any consumer report containing any ot the following items of information Any other adverse item of informationother than records of convictions of crimes which anledates 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 resonable cause to believe thatvthe information is inaccurate
Product: Debt collection

On or around XX/XX/XXXX  l requested validation of this debt. I received a settlement of debt offer letter. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that this be removed from my report immediately.
Product: Debt collection

XX/XX/22 I submitted a cease and desist to RAGAN & RAGAN and they are not complying with the FDCPA by still communicating with me and without my prior consent to do so pursuant to 15 USC 1692c. RAGAN & RAGAN have claimed to have sent verification for the validation of this alleged debt. Courts found in XXXX XXXX  XXXX XXXX the documentary evidence sent are not sufficient to validate a debt. Validation requires presentment of the account and general ledger statement signed and dated under penalty and perjury by the original party responsible for maintaining the account. There should be no communication or attempt to collect this debt going further.
Product: Payday loan

I borrowed {$800.00}. I was not been informed of the 800 % interest rate on the loan. I was told there would be a {$280.00} finance charge/fee, not {$6800.00} in total payments. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. Since, they have withdrawn over {$1400.00} from my account and the amount is scheduled to increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/2020 I noticed Transunion says i didn't pay a debt but XXXX has stated I paid in full which ill send you guys that so that transunion can update there records.
Product: Debt collection

I had an account close in 2014 with XXXX XXXX XXXX. When I went back to work I paid XXXX XXXX XXXX. XXXX XXXX XXXX  allowed me to open another Credit Card With them. However Midland Funding is reporting this as an account in collections and outstanding.

I sent for validation of the debt to Midland Funding explaining that I already paid this debt years ago to XXXX XXXX XXXX, However Midland Funding just ignores my disputes and request. Yet they continue to report this inaccurate information on my credit file
Product: Debt collection

I have asked numerous times to not be contacted and for them to not send out letters from them because they are sending them to my parents address and NOT mine. They have not provided me with accurate information. I just financed XXXX through XXXX XXXX for a auto loan. Not sure why they would approve me for that if I truly had a debt from them go to collections.
Product: Payday loan, title loan, or personal loan

XX/XX/2023 I, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX had applied for a loan from One Main Financial located at XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX with a XXXX. after compiling with all the required information including submitting our taxes and transcription. which process started weeks ago. We finally called in on XX/XX/2023. XXXX told us that we were denied because a XXXX  is not income. I then asked her to give me a denial letter stating that, and she said she can't, but I will receive a letter. That aroused my attention. I called her back and asked her who can we speak to regarding this and she said no and she sorry well be getting a letter in the mail and hung up.

After reviewing all that has transpired, we thought to call someone to handle this discrimination of income situation and contacted XXXX XXXX XXXX XXXX XXXX XXXX and the referred us to XXXX XXXX XXXX that referred us to Consumer Financial Protection Bureau and this where I started our complaint. 

Thank you in advance for reviewing this case and guiding us to your best of your ability to us getting this matter to either get this loan or giving a legal written letter to why we were denied and reason or another. 

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

On XX/XX/2022 I was offered a vehicule exchange on a dealer. They never told me that they will go shoping with my credit. As a result i have XXXX inquires that i dont recognize or authorize that should be inmediatly remove from my credit report. I list the inquires below : - SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a promotional offer on XX/XX/2021 to earn {$50.00} for completing a direct deposit into my checking account. 

I completed the terms and conditions of the offer as of XX/XX/2021 ; however, the {$50.00} bonus has not posted to my account. The terms of offer state that the bonus would be posted by XX/XX/2021 ; however, the {$50.00} bonus has not posted as of yet. 

I contacted Credit Karma and XXXX XXXX regarding this matter, but neither firm is responsive and the {$50.00} bonus has not posted to my account. 

I called XXXX XXXX  numerous times on XX/XX/2021 but they refused to speak with me or service the account, and referred me to Credit Karma. 

I spoke with XXXX at Credit Karma on XX/XX/2021 at XXXX and he was unable to assist me other than " escalating '' the case within the organization.