23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XX/XX/XXXX-XX/XX/2011 I damaged my phone and returned it to XXXX. They claimed they never received it and charged my account {$370.00} for " lost equipment ''. I disputed this with them at this time to no avail. 
I cancelled service ( outside of contract ) and went to another provider. XXXX continued to charge me monthly after I left the company. 
I do not owe XXXX {$2300.00}. My position is that I owe them nothing but I am willing to settle for the " lost equipment '' charge and have this removed from my file. 
I approached the collection company and offered to settle. They replied with an amount that is out of the question. 
Please help, they have been less than cooperative. 

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

Wells Fargo Bank ( XXXX ) pulled my credit report without permission. I did not apply for any loan with them or fill out any applications. I called and they said they can not help me and to call XXXX. I called XXXX and they said they can not remove inquiries and to call Wells Fargo. So there is nothing I can do except go online and tell everyone not to use Wells Fargo and not to subscribe to XXXX as there is an endless loop there with no help.
Product: Credit card

I

got an alert from Citi Cards about potential fraudulent transactions and when I checked, I called right away and let them know I didn't recognize the last 3 transactions. They proceeded to put a dispute and sent me a new credit card. When I received my statement, the fraudulent transactions were still there and I was told that it would take 1 to 2 billing cycles to clear them, which I think is unacceptable, especially when they amount to {$1300.00} and if not paid, they will charge steep interest rates. While on hold, I noticed that there was 2 other transactions that I had not authorized on my new credit card. I was told that for certain vendors, Citi automatically updates the number card number, and that I had it set up this way on my account. When asked how I would disactive this function, they told me I could not do it myself, and only Citi had that capability. In another words, they made it easy for the thieves to continue shopping on XXXX with my stolen identity.

Also, I was told that I could not dispute the new fraudulent charge because the transaction was pending, and it wasn't until I called again that they agreed to dispute it.

They're sending me another new credit card, but in the meantime, I have to pay {$1600.00} in fraudulent charges so that I would not be charged interest.

There's got to be a better way to protect the consumer. I'm lucky I could cover these charges, but what about the families that lives paycheck to paycheck?

Citi should reverse charges immediately, while transaction is being disputed. They have neough money to extend this courtesy to all their customers.
Product: Debt collection

XXXX XXXX assessed me an early termination fee of {$160.00} in XX/XX/2020. 

However, as previously discussed with XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), and Waypoint Resource Group ( Collections Agency ), the early termination fee should not have been assessed as XXXX indicated that they could no longer provide service to my area. I was assessed a fee because they could no longer provide a service. 

I communicated with XXXX via email and phone XXXX to approximately XX/XX/2020, the last email I sent asked for an update, but I did not receive any response. I spoke with Mr. XXXX XXXX over the phone a couple times in XX/XX/2020. 

Unfortunately, I have not been able to resolve this erroneous charge with the Collections Agency or XXXX. I disputed the credit report with XXXX, they advised I submit a complaint with CFPB and FTC. 

Thank you.
Product: Credit reporting or other personal consumer reports

A discover card was fraudulently opened in my name. An email address ( XXXX ) and phone number ( XXXX ) that does not belong to me; was used to obtain an online account. Payments were made on this account and returned unpaid from an account that does not belong to me. Authorized users were added to this account that I have absolutely no knowledge of. I have been crying out to have this fraudulent account removed from my credit for several years even before it became delinquent. My disputes were denied continuously. I was not living at the address on file when this account was opened and have provided proof several times. I have attached a bill that shows my address in XXXX of 2017. I have also attached a copy of my lease that shows the address I moved to in XXXX of 2017. I never requested a new card from discover nor retrieved any card. The account is NOT mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrect and unauthorized accounts on my credit report. Id like a full investigation on these accounts and ask for an original copy of an agreement with my signature on each account, Thanks
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, XXXX are allowing XXXX XXXX XXXX XXXX XXXX XXXX to violated my federally protected rights according to FCRA. 

15 U.S. Code 1692d A debt collector may not engage in any conduct the natural harass, oppress, or abuse any person in connection with the collection of a debt ; saying I am late and imposing late charges when in fact a finance charge was already enforce. 

15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, * CA is reporting my payment status late & sending false information to bureaus, violating the FCRA XXXX XXXX XXXX has been reporting that my payments are {$300.00} but charging for being late although Im paying them as agreed XXXX, plus i pay {$100.00} extra - [ ] 15 usc 1681 ( d ) : A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer ; the are abusve and destroying my payment history or my credit report - [ ] 15 UCS 1605 finance charge sum all charge including late payments ( which is in my contract ) so why are they triple charging me & adding imposing fees, another violation 15 U.S. Code 1681 The responsibility Consumer reporting agencies have assumed a vital role protecting information on consumers ; by ensuring fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

Received an alert from experian stating that XXXX XXXX had accessed my credit report. 
I did not submit an application and suspected identify theft. I called XXXX XXXX and they stated there was no account with my social or an application submitted. I thanked the person. A week later I got a letter stating the reasons for a credit denial. Once again I called the number on the letter and was once again told there was no inquiry my or account opened. I now have this inquiry in my account and fear an account was opened. I would like this inquiry removed and a letter sent stating I dont have an account. I know XXXX XXXX has previously been sued for opening accounts in their clients names.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Team, Someone tried to submit the loan application behalf of my name and details and id and they submitted my id not sure from where they have pulled my details to apply a loan with XXXX XXXX XXXX. 

please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been attempting to get Ally Financial to stop reporting account as disputed. with no luck. Im working on getting a home loan and this verbiage on my credit reporting is affecting my loan approval. I begin making my request to Ally in XXXX of 2021, Ally as well as all the credit reporting bureaus would remove the dispute, but comes the following month and Ally reports as disputed again. Ive had the loan XXXX on the line with me and Ally representative XXXX and that hasnt work. At this point I dont know what else to do, to get them to stop reporting the account as under dispute.
Product: Debt collection

I called Convergent Outsourcing XX/XX/22 to pay the collection account sent to them from XXXX XXXX XXXX {$300.00}. I was asking for a settlement, the representative informed me they couldnt settle the account but I could have the balance reduced by contacting XXXX XXXX XXXX to send the internet modem equipment back before I paid. I callled XXXX XXXX XXXX and they said they are sending me a return box and shipping label. XX/XX/22 and I havent received the return box and label. I informed the Convergent representative that I was intending on paying when the equipment was sent back and the balance was adjusted when she informed me to call XXXX XXXX XXXX. Convergent has placed this account on my credit report even though I called to pay on XX/XX/22 and didnt because Convergent representative told me the balance could be adjusted which prevented me from paying that day. XX/XX/22 Convergent representative told me account wont be deleted when paid although their representative is who told me to contact XXXX XXXX XXXX to have the balance adjusted when I called to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding my mortgage account with XXXX now XXXX. XXXX has reported to the credit reporting agencies that my account is in forbearance even though I NEVER requested or agreed to forbearance, and I have repeatedly notified XXXX that I am NOT interested in forbearance and was seeking only a Loan Modification. Please help me ensure that XXXX immediately removes this Forbearance report from my Credit Report. 

On XX/XX/XXXX I called XXXX at ( XXXX ) XXXX-XXXX  to request a Loan Modification due financial challenges related to the COVID-19 pandemic. I eventually received the documents and on XX/XX/XXXX, I applied for a Loan Modification. SunTrusts acknowledgement of my application dated XX/XX/XXXX, included a notification that I was approved for a Forbearance Plan. I immediately notified XXXX by phone and email that I was NOT interested in Forbearance and was seeking only a Loan Modification. At XXXX request, I submitted updates to the application and additional documentation on XX/XX/XXXX and XX/XX/XXXX each of which XXXX acknowledged with notification that I was approved for a Forbearance Plan. I immediately responded to each notification with a phone call that I had NOT requested Forbearance and was seeking a Loan Modification. I also notified XXXX in writing at XXXX that I had NOT requested and did NOT want Forbearance on XX/XX/XXXX and XX/XX/XXXX.

On XX/XX/XXXX, I was notified by XXXX by mail that while my Loan Modification was not approved, I had the option to appeal this decision and that I was being offered a Forbearance Plan instead. I responded immediately by mail appealing the decision and indicating, once again, that I am NOT interested in a temporary Forbearance Plan was seeking a permanent Loan Modification. In a letter dated XX/XX/XXXX, XXXX notified me that my appeal was denied and that I have 14 days to accept or reject the Forbearance Plan that I had been offered. I responded immediately via email on and XX/XX/XXXX and once again rejected the Forbearance Plan. On XX/XX/XXXX I learned that XXXX had reported a XXXX  balance forbearance plan to all the credit reporting agencies, and that this forbearance was now reflected on my Credit Report. I called XXXX on XX/XX/XXXX and was advised to call the XXXX Credit Dispute line at ( XXXX ) XXXX-XXXX. The first representative hung up on me immediately. The second representative placed me on hold for 74 minutes before hanging up on me. 

I am outraged that XXXX would report a Forbearance Plan on my Credit Report that I NEVER requested, NEVER consented to and repeatedly indicated that I did NOT want. As a result of, XXXX egregious behavior, my credit score may be negatively impacted. I am also outraged that XXXX has not responded to any of my requests to remove the Forbearance from my Credit Report and has responded instead with silence and stonewalling. Please help me ensure that XXXX immediately removes this Forbearance report from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted company to inform them of such mistake on my report and they informed me that account were verify without telling how they verified it to prove it was mines.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Please see attached file for these items I am complaining.
Product: Mortgage

ON XX/XX/21 AT XXXX MY WIFE AND I CLOSED ON THE PURCHASE OF A NEW HOME, THAT MORNING AFTER REALIZING WE WERE BEING CHARGED OVER {$3000.00} IN TITLE FEES WE CONTACTED THE TITLE COMPANY TO QUESTION THE FEES AND THEY HUNG UP ON US WITHOUT OFFERING ANY EXPLANATION. I THEN CONTACTED THE TITLE COMPPANY MANAGEMENT WHO TOLD ME THEY WERE VERY COMPETATIVE AND REFUSED TO DO ANYTHING ABOUT THEM OTHER THAN REMOVE AN {$80.00} DOLLAR WIRE FEE ( THEY ARE CHARGING US FOR WIRING FUNDS THAT THEY REQUIRED, THEY WOULD NOT ALLOW A CASHIERS CHECK ) THEY DIDN'T EVEN DO THAT. I TRIED TO EXPLAIN THAT ALL THE TITLE FEES THEY WERE CHARGING US WERE DISCLOSED BY OUR LENDER AS NOT BEING BILLED TO THE SELLER OR BUYER BUT RATHER BEING PAID BY SOME " OTHER '' PARTY & THEY ALSO TACKED ON {$6700.00} UNDISCLOSED PROPERTY TAX CHARGE. LEARNING ALL THIS HOURS BEFORE CLOSING AND BEING TOLD IF WE DIDN'T AGREE DON'T CLOSE DID NOT LEAVE US MUCH OF AN OPTION SINCE SO MANY OTHER OBLIGATIONS REVOLVED AROUND THIS CLOSING.OUR UNDERSTANDING OF THE DISCLOSURE REQUIRMENTS IS TO MAKE SURE THE BUYERS ARE NOT BEING CHARGED LAST MINUTE UNDISCLOSED FEES, IN THIS CASE {$10000.00} OF UNDISCLOSED FEES. WE CHOOSE TO PAY A HIGHER RATE FOR OUR MORTGAGE IN EXCHANGE FOR THE ELIMINATION OF CLOSING COSTS. WE CAN UNDERSTAND THE {$6700.00} TAX FEE BUT IT WOULD HAVE BEEN NICE TO BE TOLD THAT FURTHER IN ADVANCE. THE TAX FEE ASIDE WE DO NOT THINK ITS RIGHT TO TELL SOMEONE IN THE PRELIMINARY DISCLOSURE SOME " OTHER '' PARTY IS PAYING THESE FEES AND THEN FINDING OUT AT THE LAST MINUTE YOUR BEING REQUIRED TO PAY THESE FEES. IF THIS WERE A TRIVIAL AMOUNT OF {$50.00} OR {$100.00} WE WOULD NOT MAKE AN ISSUE OF IT, BUT ITS OVER {$3000.00}. IF THIS IS NOT AN EXAMPLE OF THE PURPOSE OF THE DISCLOSURE PROCESS I DON'T KNOW WHAT IS. WE ARE ASKING FOR A FULL REFUND OF ALL THE TITLE CHARGES WE PAID. PLEASE HELP XXXX AS NO ONE ELSE WILL LISTEN. THANK YOU, XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me. I have no knowledge of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/XXXX and XX/XX/XXXX via USPS certified mail. There are four accounts listed as charge-off on my credit report which are n't mine. As listed on report : XXXX ...., XXXX XXXX ...., XXXX XXXX XXXX ...., XXXX XXXX- XXXX .... Experian has ignored my request for validation and continues to send updated credit reports with " Information on this item has been updated. Please review your report for the details. '' In my letter I specifically asked for documentation bearing my signature and I do n't consent to XXXX or any sort of automated verification. Again Experian failed to comply with FCRA section 611 ( a ) ( 1 ) (  A ) and is continuing to further damage my ability to secure credit. Experian has allowed incorrect accounts to be reported on my credit report and I want them to remove it. I do n't understand how the information is verified due to incomplete account numbers listed on my credit report. I 've had no success with the direct creditors because of this missing information. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE XXXX-18 OVER 30 DAYS Tranunion, XXXX, XXXX  HAVE NOT COMPLIED WITH REGULATIONS. 

XXXX  CERTIFIED MAIL # :XXXX XXXX. XXXX   XXXX XXXX. XXXX, GA XXXX. 


Dear Sir or Madam : I am a victim of identity theft. The information listed below appears on my credit report but I did not make or approve of these accounts, phone numbers, addresses, names, inquiries request for credit resulting in a credit inquiry. This happened because of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX XXXXk ( XX/XX/XXXX ) Please forward me any documentation providing proof I applied for credit with this creditor. If you cant provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

American Express has received all Law Enforcement Documentation providing proof of Identity Theft. The credit bureaus have removed this account from their Credit files which they verified as Identity theft. In XX/XX/2013 my wallet was stolen, Inside my wallet was my Drivers License, Social Security card and even my address. After it was stolen I attempted to recover my wallet but was not successful. I notified the XXXX Police Department and the credit bureaus, XXXX, XXXX and XXXX. After receiving my credit reports I noticed an American Express account. I immediately called American Express to report the crime, the customer service agent had advised me this account was cancelled. I said I did not authorize this. He then transfers me to the fraud department whom states they will conduct an investigation. Once again after they verify the information it is proven to them the address they have on file I haven't ever lived at. I never lived at XXXX XXXX XXXX as they show in their system. I advised them of this information which they documented, I sent my FTC Affidavit to them, and also advised them the Bank Account used to make payments on the account was not mine either. This bank account was actually closed out as Identity Theft as well. So then the other day, I try to open my First American Express account. They open the account then a day later close the account, They try and advise me this is due to disputes. I asked what Disputes since i haven't even used the account yet. They stated they were trying to link the old fraudulent account to me still. They transferred me to fraud after I ALREADY advised them I had no relation to this account and that I thought American Express resolved this along time ago which they have not. So now they have also put an unauthorized inquiry on my credit bureau file with XXXX  because they choose to connect fraud to me. 

I want this account revoked from their system. I have never lived at the address that was on file for any cards with you. I did not provide authorization for any accounts to be open. You did not cancel a card on me because I haven't ever had one. You were notified of Identity Theft along time ago and just refuse to resolve it. Per the FCRA Law and requirements once you are notified of Fraud you have 3 days to block it or I can pursue legal action against American Express. Your fraud department never calls back and they don't actually review the information I have provided.
Product: Credit reporting or other personal consumer reports

Ive performed and investigated my credit report and found several items to be inaccurate. 
I have a closed account for an Auto Loan that has inaccurately been reported and have attempted several times to dispute this with ALLY FINANCIAL for XXXX LATE PAYMENTS in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have submitted my bank statements showing on time and EARLY payments to this Auto Loan. 
My vehicle payments were reimbursed by the manufacturer and agreed to pay the remaining balance to Lemon Law in XXXX of XXXX. The manufacturer failed to pay the remaining balance of my auto loan on time after I returned the vehicle to them on time. 

Please see my attached documents as proof from XXXX XXXX showing on time and early payments for these dates, and a letter from the manufacturer agreeing to buy back the vehicle. 
I have requested payments financial statements from XXXX XXXX  to compare the accurate information, and their statements prove my dispute is accurate and early. Their own statements show on time and early payments and have not agreed to accurately change the reporting as on time or earlier. 

I have disputed this information with all XXXX credit bureaus several times and have been unsuccessful in the changes being made in my credit file. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the following information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general. If any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately. 
XXXX XXXX : LATE PAYMENTS = XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. 

From my EXPERIAN, TRANSUNION and EQUIFAX credit report file.