23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I called Experian today. The person that answered the call had a heavy, non XXXX accent. This threw me off be cause the XXXX credit bureaus, specific to the USA alone, play such a vital role in US citizens being able to obtain mortgages, credit or even employment. When they said their name, they mumbled it. I asked them to please repeat it. They hesitated and repeated it. Her name was either XXXX or XXXX. I asked if the call center was located in the United States. They got upset and didnt want to say. They asked me for the same PII I had already entered into the system via the AI system. I was uncomfortable giving this person my information again. I told them that I had entered my information into the phone AI system already. She was very rude and said she needed the information again in order to verify my identity. I told her that their system already verified me before she picked up the call. She thought I was trying to give her a hard time. These people seem to have no concept or care for how sensitive our PII is. They dont seem to take into account that a large number of the people that end up calling them are doing so because they have been, or currently are, victims of id theft. My credit score had suddenly dropped XXXX points yesterday and I was trying to see why because there was no unauthorized accounts listed on my credit report. There was also some other incomplete information on my report that I needed them to research and clarify. The information I was reading wasnt adding up. I asked her if she would be able to help me with this and she refused to even let me know if she even had the ability to help me with this type of request. She was very pushy, like how those international scammers like to be pushy, and told me she would not even let me know if she could help me unless she gets my information. The sensitive PII that I had already entered into the phone system before she picked up my call. It is absolutely horrifying and appalling to know that our sensitive information is being accessed by disgruntled, foreign workers whose employment isnt even regulated by the US department of Labor. Who are these people that US citizens are having to call when we try to reach out to customer service at these credit bureaus? I thought these credit bureaus were regulated by the US government. The number I called was : XXXX. I got this number off of the Experian website. These credit bureaus should be hiring thoroughly background checked US citizens to assist US citizens with these specific and highly sensitive matters. My sense of trust and reality were violently shaken today. You must fix this. 

Very respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was voluntary given back XXXX yrs ago. It says my account is still past due and open
Product: Debt collection

No information, dates amounts or other wise have been disclosed in writing about this debt. This is an attempt to collect owed money for two text books from what I recall. When the debt was in my account I prior to being sent to collections it showed as a negative in my student finances. Around the time of the negative charge I had a scholarship applied to my account of a few hundred dollars from my school, creating a wash out and covering the charge. After that I was contacted via email about the collection ( no calls or letters ) in attempts to get payment. I submit documentation of my applied scholarship and no negative charges or balance dues on the account to no avail. This was on XX/XX/21. The most recent reply from them was this month on XX/XX/21 almost three months later. They gave me a 10 day notice for more documentation and I requested a detail of the debt in writing, it is a week later and no reply. Can I get this debt cleared altogether for the lack of communication and never receiving certified mail from them?
Product: Credit card

Have contacted JPM Chase multiple times regarding charge of {$32.00} for XXXX XXXX XXXX which the hotel acknowledged was incorrect. After repeated attempts to resolve directly with the hotel they did not follow through with their acknowledged error. 

A dispute was filed with JPM and while an initial credit for {$32.00} was given the transaction was tagged as " REBILL '' and backdated with a transaction date of XX/XX/year> and a posting date of XX/XX/year>. No notice or other information is viewable and no option to dispute this charge. I believe proper notice or explanation by JPM Chase should be given especially since the hotel itself acknowledged its error.
Product: Credit card or prepaid card

I have a balance transfer 0 % interest expiring XX/XX/XXXX and in XXXX i took another one that is due XX/XX/XXXX at 1.9 % interest ( so i have XXXX  months ) in XX/XX/XXXX i sent XXXX in payments that was suppose to go towards my XXXX promotion but the bank said there system poilcy sends it to the 1.9 % interest XXXX even though i have XXXX  months to pay it off and the XXXX promotion i still have to pay XXXX this month or else its 29 % interest which is crazy the money should have been applied to my XX/XX/XXXX promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reporting Experian XXXX XXXX XXXX, XXXX XXXX, CA XXXX On XXXX XXXX I sent letter to Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Find attached letter Experian has not reply since then. 

Enclose fin Experian report XXXXXXXX XXXX XXXX XXXX  account, Should be removed on XXXX XXXX 

XXXX XXXX XXXX account, was deleted from XXXX on XXXX, find enclose report Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the Experian credit report it say I have had an address of XXXX XXXX XXXX, XXXX MD, XXXX. 

I have never lived or had an address outside of North Dakota. So I would like this removed from my credit report and any information with this state and address also removed from my report. 

There are lots of people there with my name in common but this is not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Product: Debt collection

Portfolio Recovery Associates, LLC I call on XX/XX/2019 to find out their fax number. The lady on the phone said they don't have one. So her supervisor gets on the phone and tells me that they can fax but not receive. So I said well can I have your email than so I'm able to send documents to them. Everything is being recorded pull tapes. I can't stand getting the run around. Everyone 's lives are so busy. This company is so wrong I'm trying to get fair on grounds. They have all the cards. I can't send these documents out. I have never heard of the company until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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

I filed a complaint against Equifax number XXXX, because they refused to provide me with my consumer report and file. Equifax closed my complaint and responded with a stall tactic, once again refusing to comply with my request.
Product: Debt collection

I received a notification on my credit report ( XXXX, experian ) showing this company had put a collection account on my report that I knew nothing about on XX/XX/2022. I never received any notifications in the mail stating of this account so I am not sure where this account came from. They gave me no written or verbal notification prior to putting this account on my credit report. I have no clue who this company is, or whom they represent. When I attempted to call the number that was on the report to see whom this company is and what this debt is about an actual person picks up the phone and says this isn't a company number but this is his personal cell phone.
Product: Credit reporting or other personal consumer reports

I am writing to report an incident of identity theft that has significantly impacted my financial well-being and personal security. Unauthorized accounts, addresses, and inquiries have appeared on my credit report, tarnishing my credit history and compromising my ability to access financial services and opportunities. 

Details of the Incident : Unauthorized Accounts : Several accounts were opened in my name without my knowledge or consent. These accounts include unauthorized Addresses : Incorrect and unauthorized addresses have been added to my credit report, none of which belong to me. 
Unauthorized Inquiries : Multiple inquiries from creditors with whom I have no relationship have appeared on my credit report without my authorization. 
Impact on Me : Financial Loss : I have incurred financial losses due to fraudulent charges and other activities resulting from identity theft. 
Credit Score Damage : My credit score has been negatively impacted, which affects my ability to obtain loans, credit cards, and other financial services. 
Stress and Inconvenience : The situation has caused significant stress and inconvenience as I have had to take extensive steps to address the issue, including filing disputes and fraud alerts. 
Actions Taken : Identity Theft Report : I filed an identity theft report with the FTC Report Number : FTC Report Number - XXXX Disputes Filed : I submitted disputes with each credit bureau to remove the unauthorized information. 
Violations : The unauthorized actions are in violation of 15 USC 6802 ( Gramm-Leach-Bliley Act ) and 15 USC 1681b ( Fair Credit Reporting Act ).

Specific violations include the presence of fraudulent names, addresses, and inquiries on my credit report, contrary to section 605B of the FCRA. 
Given the severity of these violations and their impact on my financial health and security, I urgently seek your assistance to rectify these issues and prevent future occurrences.
Product: Credit reporting, credit repair services, or other personal consumer reports

they are unauthorized inquires only credit report and there are a few companies that's listed more then three times I did not authorized any of these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR MANAGER/XXXX! How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Product: Credit card or prepaid card

I was left unemployed and unable to make any minimum payments back in XX/XX/2017 up until after XX/XX/XXXX when it was brought up to my attention that i was continuing to be assessed countless amounts of past due fee ( late ) and countless amounts of interest charges that basically brought me to an immense debt with Capital One. Then when i did finally get a job and made a rather larger payment of {$1000.00} ON XX/XX/XXXX when i had to borrow some money from my mother just so i would be able to somehow try and match the minimum payments. Up until recently i was trying to make payments to try and stay a float but recently had some unforeseen family issues as well as having to take time off from work with no pay i started ti get some membership fees as well as interest charges that are to high for me to even make a damper on the amount owed.
Product: Credit card or prepaid card

Was purchasing Airline tickets on Frontier Airlines website on XX/XX/XXXX of this year. They had an offer for their credit card, for if youve approved you can use the card to purchase the tickets. Was approved and continue to purchase, but there was an error utilizing that card. Called Customer Support for the Frontier Airline card and discussed the issue. After going back and forth with him, he stated that was a well known issue and nothing he could do at this time, it sometimes takes a day or two to the symptoms to sync. Also stated that the {$89.00} annual fee isnt charged for the first year. Asked him a few times, just didnt believe him. 
So I applied for the card to pay for the tickets, couldnt use the card, as soon as your approved the account is opened and I owe the {$89.00} fee. Can not cancel once approved. This is a scam that Frontier Airlines is using. The customer service representative that I just spoke with also said that it was a well known issue with not being able to use the card to purchase the tickets. They advertise it with a {$200.00} statement credit, so of course thats a lot of money towards the tickets. Again couldnt use it, cant cancel the account without owing them {$89.00} fee. Again they are aware of the issue with purchasing. 
That to me is a scam!!!
Product: Mortgage

I had Well Fargo for Lender since XXXX  till XXXX, they charge me for many things in my mortgage statement every month., recently the contact me they Well Fargo., the I was enrolled in product the I never authorized. I QUESTION THAT BEFORE BACK XXXX, Because I know some tings was wrong was stress, frustration single mom trying every month to make this payment., CUSTOMER SERVICE WAS NOT NICE TO ANWSWER ANY QUESTIONS.
Product: Credit card

On XXXX XXXX, XXXX, Capital One cancelled my credit card without advance notice to me. I had a credit card with Capital One since XXXX. I paid my monthly invoices on time without fail. I did not have any balance amount due on XXXX XXXX, XXXX.
Product: Debt collection

I was contacted XXXX/XXXX/2016 from Alliance Group & Associates from XXXX XXXX XXXX XXXX in regards to medical bills that had gone to collections from services in XXXX. The first associate I spoke with told me that if I did not pay, then my wages would be garnished. The second associate I spoke with told me that a letter of verification of debt would be sent to the address on file, per my verbal request. On XXXX/XXXX/2016, I called to follow up as I had never received my verification letter. I was told that I had already received the required legal documents previously ( in a 10 year span ) and that a note had already been placed on my account stating I refused to pay. The associate then began to make inappropriate comments in regards to my ability to pay as well as my lack of interest in paying. I requested to be transferred to a manager, who refused to provide me with a mailing address and also denied being a debt collection agency, stating that they were retained by their client, XXXX XXXX XXXX, to attempt to make payment arrangements. She also refused to provide me with the contact information for XXXX XXXX XXXX, continuing to evade and redirect my questions. I found the contact number for XXXX XXXX XXXX ( XXXX ) XXXX, where the gentleman did not state his name or company name, but very clearly let me know that he could not provide me with any information, that I would have to contact Alliance Group & Associates. This supposed debt has never been reported to any of the major credit bureaus, and subsequently has never shown up on my credit report.
Product: Credit card

The following is a list of payments that I made on my credit card during the month of XX/XX/year> : XXXX {$300.00} XXXX {$300.00} XXXX {$1200.00} XXXX {$50.00} XXXX {$300.00} XXXX {$200.00} XXXX {$500.00} XXXX {$600.00} XXXX {$300.00} XXXX {$400.00} XXXX {$300.00} XXXX {$900.00} XXXX {$600.00} XXXX {$4300.00} TOTAL PAYMENTS OF {$10000.00}. 

After all of theses payments, US Bank reduced my credit limit from {$6000.00} to {$1600.00} with no explanation. I called and spoke with a representative, and she said the account had no reason listed for the credit line reduction. Furthermore, she stated that I could apply to have my credit limit increased. That does not logically make since, you reduce my credit limit on XXXX, then one day later on XXXX, you say I can apply to increase my limit. 

My account history with US Bank is EXCELLENT. I have no late payments, 30, 60, or 90 late payments. As a result, there is no reason for my credit limit should have been reduced. With a payment history that I have, my limit should only be increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in an accident back in 2029 the car was considered totaled the company said it was considered a repossession and told me they fixed the car and said the price they sold it for covered the loan amount I still had. The account was paid in full as it showed even ok the report along with credit XXXX and XXXX. Every few months after that it gets added back to my account were my credit drops by XXXX points then I have to dispute it and it gets dropped. It happens every 6 months and Im getting tired of having to report it over and over and the company is no help saying theres no record of it at all in their system and they refuse to even put a manager on the phone and hang up when I try to contact them.
Product: Debt collection

Receiving letters from Sherman Originator claiming I owe almost {$6000.00} on a XXXX XXXX  XXXX XXXX card turned over to them. They refused to give me any details without my SS which I refused to provide them. I checked my credit report and no sign of this debt. Ive contacted XXXX XXXX who verified I had an old closed account with XXXX balance. I havent had an account with them in decades.
Product: Credit card or prepaid card

I purchased tickets for the XX/XX/2022 show at the XXXXXXXX XXXX XXXX through XXXX on XX/XX/2022. The tickets cost {$330.00} and I put that on my Citibank Mastercard. Within 3 days, due to health problems ( we are XXXX and XXXX  years of age ), we contacted XXXX at XXXX to cancel our purchase. The customer service representative took specific information from me by phone and said she was submitting that to XXXX, who handles the ticketing, for a full refund. In addition, she advised that we would see the refund on our Citibank account in about 2-3 weeks. When 2-3 weeks passed, but we didnt see a refund posted on our Citibank card account XXXX we called both XXXX and XXXX on at least 8 different occasions and repeatedly got the runaround. For example, even though XXXX submitted our request for a refund on approximately XX/XX/2022, XXXX has repeatedly told us that they could not find a record of our purchase in their system. Just today, I called XXXX and was told that they also did not have a record of our purchase or request for a refund. Despite all this time time and both companies telling us that there is no record of our purchase or request for a refund, we have never received the tickets or a confirmation email about our purchase of them. 

When I disputed this transaction with Citibank, they denied it, saying that the merchant provided documentation stating the charge is non-refundable, however, there was no wording whatsoever about refunds being prohibited in the paperwork that we received from the merchant following our purchase. 

Citibank sent me copies of the steps on a companys website ( possibly XXXX ) when someone is purchasing tickets. I believe their decision was based on this information, however, I did not purchase these tickets through the website. I called XXXX and they completed the transaction for me.
Product: Debt collection

This Company name XXXX XXXX XXXX XXXX ( It looks the owner/owners of this company owned before XXXX XXXX XXXX XXXX ) sent me a letter Stating I owe the Amount {$900000.00}. 
I sent them a Certified letter disputing the Amount, However this Debt collector ignored my letter and pursue with its the Illegal Act first recording a void Document stating I owed {$900000.00} and later they to try to sell my house in a Foreclosure Auction on XX/XX/2018.I  believe its action of this Company has violated my rights under the FDCPA.I would like to make a formal request to have Regulators from the CFPB to look into the practices these 2 Companies XXXX  XXXX XXXX , XXXX & Mc Calla , Raymer, Leibert, Pierce, LLC engaging using the same Phisical Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX, Besides I believe its illegal also to send dunning letters as they used a XXXX XXXX  XXXX XXXX CA XXXX XXXX
Product: Student loan

My {$12000.00} loan obtained during XXXX school is supposed to be in deferment as I am a XXXX resident still in residency. My loan servicer, University Accounting Servicer, LLC, repeatedly tries to start charging me interest on the loan incorrectly. I re-apply for loan deferment each year, and last year my deferment was approved from XX/XX/XXXX to XX/XX/XXXX. Yesterday, I called the customer service agents who removed the interest from the " interest '' section of my bill, but the total current balance still keeps increasing everyday ( now up to {$90.00} in incorrect charges ). I received an email saying my loan was put into forbearance in XX/XX/XXXX instead of deferral, and my loan has been accumulating interest ever since. I never agreed or asked for forbearance. I should be have no interest or any other charges on my loan until I graduate residency. This loan servicer repeatedly exhibits predatory behavior in this manner and tries to charge interest when they think I will not be paying attention. The customer service agents repeatedly refuse to address or fix my issue. Every few months, they will reverse my deferral and I will have to go through this process all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, Consumer requested a free credit report, but was discriminated against. With no valid reason. As a result, I have not been able to pursue life, liberty, nor justice. I seek remedy, relief, and compensation that has held Me from being a Consumer. That violates all Federal Laws CFR. CFFB, U.S.C., T.I.L.A. Civil Rights, EEOC A..