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

On XXXX I picked up a purchase from XXXX XXXX XXXX XXXX. Included in this order was 2 identical area rugs at a price of {$230.00} each. The entire order I picked up totaled {$1000.00}. 
When we got home and unwrapped the rugs, one of them was the wrong print so we went back to the store in XXXX to return it and were told to return it to the distribution center. At that time, we purchased one additional rug for a price of {$470.00}. 
We went to the distribution center, returned the wrong rug and picked up the the other rug we had just bought. 
On my XX/XX/2021 statement, Synchrony Bank ( holder of the XXXX XXXX XXXX ) entered a transaction amount total for XXXX of {$1100.00}. This total is broken out as follows : End Table {$240.00} Area Rug {$230.00} Area Rug {$230.00} Coattail Table {$320.00} Total {$1000.00} ( Statement total charge was {$1100.00} ) a difference of {$71.00} which I am assuming is taxes however no one has been able to explain that difference to me. 
Also on the XXXX XXXX was the 3rd rug for {$470.00}. 

XXXX promised to credit my account for the wrong returned rug {$230.00} plus tax. 

I have never received the credit of {$230.00} for the retuned rug. I have contacted XXXX on NUMEROUS occasions to no avail. I have went into the store on 2 separate occasions and spoken with store manager XXXX who promised to make the corrections. Nothing has been done. 
In early XX/XX/2021 I contacted Synchrony Bank, holder of the XXXX account and spoke to customer service to explain all of this and see if they can help. I was promised a call back in 2 business days along with an email confirmation. I have heard nothing from anyone. However, they incorrectly opened a dispute on my card for the entire balance of the initial purchase. I am only disputing {$230.00} plus tax for the returned rug in XX/XX/2021. 
XXXX XXXX is impossible to work with, you can't get anyone on the phone and when you go to the store they make empty promises just to get you to leave. I'm looking for assistance to get the credit owed to me. 
I've included a copy of the XXXX statement and the XXXX Purchase order showing the charges. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I am being hit with a 2 separate hard inquiry from XXXX XXXX which was fraud and I never applied or tried to apply for any XXXX XXXX. 

I have called XXXX once I found out about this through XXXX XXXX   and told them about the fraud and that this was not authorized by me and if they can remove the hard inquiry due to the fact that this wasn't me
Product: Credit card

In XXXX XXXX the bank arbitrarily changed the interest rate on Purchases from 18.99 % to 29.98 %. This change had no immediate impact on my monthly payment, because in XXXX XXXX I had a zero balance for Purchases. My balance of around {$12000.00} was composed entirely of XXXX special offers with an interest rate of 1.99 % ( see XXXX XXXX Statement attached ). I did not notice this change because I rarely looked at the statements, was not using the card, and the monthly auto-draft payment was stable at less than {$200.00}. 

However, in the ensuing years as XXXX of the special offers expired and I began to use the card for purchases, this excessively high interest rate of 30 % turned what had been an efficient financial instrument into a toxic arrangement equivalent to a payday loan. ( See Statements from XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. ) I have contacted the bank several times over the past 3 years, requesting that the usurious 30 % rate be reduced to something reasonable like 18.99 %. They simply respond that there is nothing they can do. I suspect that my account was targeted for this 30 % Purchase interest rate because I was not using the card and had substantial balances at only 2 % interest. Banks should not be allowed to set rates at 30 % for customers who make all their required payments on time, as I had done from XXXX through XXXX XXXX when they arbitrarily changed the rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor has not provided the information I have Requested to confirm that the alleged amount is actually owing. 
On XX/XX/2022 ( see attached ) I requested the debt collector to provide original signed credit application, cashed checks used for bill payment or original billing statements. This information has not been provided. Debt collector continues to post negative information to the credit bureau ( s ). Thereby, failing to produce validation of the debt actually been owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Files Tracking # : XXXX Initially sent an official Opportunity to cure pertaining to accounts reporting on my account without permission. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX, Has violated my rights. XXXX Has Violated my rights. XXXX XXXX, has violated my rights. XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX, has violated my rights XXXX5 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission/ instructions 15 U.S.C 1681C ( a ) ( 5 ) Section States no consumer reporting may make any consumer report containing any of the following items of following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.
Product: Debt collection

So in XXXX a credit card from XXXX XXXX was opened in my name. In XXXX I was XXXX years old, also when I contacted XXXX XXXX in regards to it, they had my incorrect birthday on file in which they would not let me verify the account because of that. Secondly, I was never notified of this debt in the amount of {$1300.00} at all, there was a levy placed on my entire checking account on XX/XX/XXXX in which they took all of my money out of it. This account was fraudulently opened in my name and I am unsure how to go about rectifying this matter. I have XXXX small children and bills to pay and they have taken all of my money for this fraud act against me, it is unfair. The debt is over 11 years old, why are they coming now?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yer. I feel like I am sadly being take advantage of and being ignored of my disputes. Sections 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting

I have filed a dispute with the XXXX major credit bureaus regarding bankruptcy information listed on all XXXX credit reports. The bureaus do not include where the information is provided from. I have confirmed with the Texas Federal Court that this information is not supplied by them and thus can not be confirmed or verified with them. Information has not been provided by each bureau indicating where the information is derived from. I feel that this is not fair being that I can not directly dispute or verify the information being reported on my XXXX credit bureaus of XXXX, XXXX and Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these fraudulent accounts with the credit bureaus and have provided filed police reports to show evidence of fraud, but the bureaus keep verifying the accounts. 

I demand a proper investigation to the supporting evidence and demand an immediate deletion. 

TransUnion has exceeded 45 days in providing a dispute response.
Product: Debt collection

My name is XXXX XXXX XXXX, I didn't not have these accounts nor applied for them. My dad has the same name XXXX XXXX which is on the application. Our information gets crossed over at times. Also I have a GA address not CA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal continues to report fraudulent accounts on my credit report ( s ). These accounts were not opened by me, I have not ever benefited from these accounts and have already reported these accounts to Navy Federal Credit Union as fraudulent. First of all Navy Federal found my phone number some how and called my phone sending threatening voicemails, stating they would come to my house and that they would make sure I " go down ''. I did not authorize this company to call me first of all, Second of all after my Identity was stolen these accounts and membership were opened at Navy Federal. I never received any Credit Cards from them. When my identity was stolen the crook opened two credit cards with Navy Federal credit union, and a checking and savings. This information was received by calling their customer service number. Additionally Navy Federal CU only got my new address because on my Complaints from the CFPB it shows my address. So they updated their system on these fraudulent accounts with my new address. I should not be liable for accounts and cards that I NEVER RECEIVED. Also on their website per their terms it states if you open a membership with them online, they will send you a signature card to sign and send back. Approving that you opened the membership with them. I want to make it clear that I never received that by mail, and I NEVER SIGNED IT either. I know that for fact. Lastly, I want these accounts removed from my XXXX credit bureau reports and all of the other reporting companies they are reporting to. I never opened membership with this credit union. The crook forwarded my mail and also received all of my personal information after stealing my wallet they had my SSN from my Social Security Card and my Drivers License, and Also my Email addresses. I did attempt to recover my wallet but I was not able to. I have already tried reporting this to Navy Federal Credit Union as fraud and they continue to deny anything saying they researched and there are differences in stories. That's not true its been the same information every-time. I DID NOT open membership with your credit union. I have not ever received any cards and I found out from USPS that my mail had been forwarded. I have only recently corrected that. I do not have account numbers to report because it doesn't list them and I never received any cards. Lastly I have not called in on these accounts but only to tell you these were fraudulent. Please update your records and correct the fraud. Which I believe occurred from someone inside Navy Federal especially after receiving calls of threats. I do not owe these accounts because I have already notified you of Identity theft and my rights from the FCRA. Please update the credit bureaus promptly and update your internal records.
Product: Credit reporting or other personal consumer reports

I spoke with someone on the phone who told me if my insurance got a check sent over for {$6000.00} then my payment wouldnt be late when the car was totaled. The check was sent over AND received but they still marked my credit XXXX days past due. It has been unfair speaking with Exeter and they dont seem to comprehend it very well that the amount is supposed to go to any past due balance before anything else. They are holding us XXXX with late payment reports so we wont be able to get another loan through another company. We called XXXX and each time we were told it would be fine. They have done stuff like this consistently and its honestly hurting my credit score. The car was totaled out and our insurance got them XXXX owed within days.
Product: Mortgage

My mortgage was current with XXXX. I became unemployed and it took XXXX months for keep home CA to start making payments on my mortgage so once they started making payments my mortgage became XXXX months behind even though they were paying each month. Initially the program paid the wring amount because XXXX all of a sudden said my reduced interest rate from NACA was only temporary but NACA says it was permanent. During this time my mortgage was sold by XXXX to SHELLPOINT Mortgage Servicing. Once keep home Calif stopped paying my mortgage was immediately XXXX months behind. As I was only working part time I couldnt pay my mortgage and it became past due. I was working with the Shellpoint mortgage company who sent me a request for documents. I sent the same documents 4 times and they sent me acknowledgement letters saying they were working on my information for lian modification but just put my home in default and foreclosure while still requesting the same documents already sent several times. Shellpoint did nothing to help me keep my home at all.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Student loan

Logged into my account because I received my billing notice via email and the Payment Amount Due changed from {$310.00} to {$400.00}. 

I called Navient for them to give the reason for change in payment amount. First the lady said I was on a graduated payment plan which was not accurate, as I had changed payment plans XX/XX/2023. The payment plan states fixed payments of {$320.00}, however I paid off one of the loans in XX/XX/2023 so the payments were {$310.00} The lady then put me on hold to check with their accounting. She came back and said the payment increased due to the increase in the interest rate from Congress in XX/XX/2023. I told her my agreement was XX/XX/2023 for fixed payments. No where in the document does it state that payments may fluctuate due to changes in interest rates. 

The only language in the document is a disclosure that states : Review of Payment Schedule Periodically, we review accounts and adjust Monthly Payment Amounts to ensure that loans will be paid off within their repayment terms. We will inform you of any such change before the new Monthly Payment Amount is due. 

Navient did not contact me regarding a change in my monthly payment amounts. I received a monthly statement with zero explanation as to why the payment amount changed.

The payment plan is fixed payments. Again, no where in the document does it state that payments may adjust with changes in interest rates - because this is a FIXED payment plan. During the payment pause the interest rates went down. Did my payment amount go down? NO. It stayed the same FIXED payment amount and I paid it every month on time. 

Navient continues to practice their deceptive methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information such as my identification card, social security card, full name and address, along with my bank routing and account number has been stole and unauthorized used by someone online, they used my information to open a loan I my name, I did not authorize for my information to be used nor did I do this myself, this was fraudulently done by someone else I do not know. XXXX XXXX has an incorrect phone number that was verified to open the account which isnt mine all the other information they have has been stolen and fraudulently used such as my name, social security, address and bank account, all that information was compromised online and miss used.
Product: Mortgage

This complaint is in reference to the COVID-19 forbearance that was solicited to me by my mortgage company Rocket Mortgage in XX/XX/2020 I applied for a three month forbearance and it was approved. At the end of XX/XX/2020 they automatically extended the forbearance three additional months. I recently contacted them to let them know that I was able to make regular scheduled payments they said the only option I have is a loan modification because I live in the state of Texas and they do not offer payment deferral in the state of Texas. I am not accepting this loan modification and I am requesting a deferral of payments missed. I am being denied for reasons unknown by XXXX XXXX  and other entities that I have contacted.
Product: Checking or savings account

Per my previous complaints, {$6300.00} in unauthorized transactions that were incomplete but still charged, that I was told was a hold and would be released was charged to my account. Wells Fargo has sent me a statement stating they do not refund these type of transactions and will not. I am not satisfied with this response. I have also reached out to XXXX XXXX XXXX XXXX and they have stated they will not refund the amounts either. I have filed complaints here and with the XXXX. I need the unauthorized charges to be refunded.
Product: Debt collection

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. 
As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. 

As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. 

What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life 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 I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. 

As a consumer, I believe it is my right to have my concerns addressed promptly and diligently. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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