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

My YSA Flexible Spending card was stolen on XX/XX/XXXX. I didn't realize it was stolen until about a week later. I called and requested a new card, and the agent did not go over the transactions pending on the account, so I had no idea there was an unauthorized charge. The charge was done on XX/XX/XXXX for {$8.00} at XXXX XXXX XXXX , XXXX, FL. ( Yes, the charge is at a key-making kiosk ... pretty sure their MCC code has nothing to do with medical services or products, so it should have never been approved in the first place. ) On XX/XX/XXXX, I noticed I'd received a notice to provide documentation for a pending claim from YSA. On that day, I provided the first notice ( attached as Flex Card Stolen.pdf ) that the card in question was unauthorized. Per Regulation E, YSA had 10 business days from that date to provide provisional credit and begin their investigation. I then received another notice on XX/XX/XXXX that the information provided was insufficient and I needed to provide receipts and documentation to prove the eligibility of the charge. At that time I contacted the company via phone and made another claim of fraud. They claimed I needed to fill out a form ; however, on the form they said I needed to fill it, it clearly states that instead of the form, I can provide them with a written explanation of the nature of my dispute. As such, I again provided a more detailed notice on that date ( XX/XX/XXXX ) detailing the unauthorized nature of the transaction. I have again received the same vague notice on XX/XX/XXXX that more information is required. As such, I have filled out their form and uploaded it to the site. Since the transaction is unauthorized, there is no other information I can provide. I find this process to be unnecessarily burdensome ( quite frankly ridiculous, just like every interaction with Your Spending Account ) and in violation of my rights under Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consumer, natural person, and protected person under the Fair Credit Reporting Act. 
15 USC 1681 c-2 states that a consumer reporting agency shall block the reporting of 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 by such agency.
Product: Credit reporting or other personal consumer reports

I recently received an adverse reaction letter for a job. I pulled my report reference # XXXX saw that I have the following inaccurate information : EQUIFAX my name is reporting as XXXX XXXX XXXX XXXX XXXX XXXX The following are reporting as previous addresses XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX XXXX Ohio XXXX my employer as XXXX XXXX I am certain this information is why I did not get the job and would like to submit a dispute.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I submitted my monthly XXXX payment to PHH Mortgage, however PHH is reporting on my credit report that this payment is and was late. Payments are due on the XXXX of every month, however mortgage holders have until the XXXX or XXXX to make payments. After the XXXX or XXXX a late fee is assessed. Nonetheless less if your payment is not paid by the last day of that particular month it's considered reported late to the credit bureau. I am confused as to why my payment is reporting late because I made the payment within the allowed time frame that payments should be made. I reached out to XXXX XXXX XXXX and they provided me with a certified copy of the ( ACH ) Automated Clearing House transaction of the payment. I sent this information to PHH and it seems as if they're not assisting me. I also reached out to XXXX  XXXX XXXX in which they shared that they would participate in a conference call with PHH to assist with this issue. I shared this information with PHH and it seem to have fell on death ears. This incorrect information is effecting my historical credit reporting data and should be fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft .After reaching out to the bureaus on numerous occasions I strongly feel as if this is my last resort. I am currently in the process of filing a lawsuit against the XXXX, Equifax and XXXX. My Lawyer ( XXXX XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX has reviewed my case. In his investigation, he found several breaches in the FCRA that Equifax, XXXX and XXXX were in non compliance due to my identity theft issues. I have detail certified mail documentation along with a police report that was faxed and mailed in to each bureau. This has taken a toll on my wife and kids and put us in a financial bind. I was also almost arrested because someone used my name and info to commit a white collar crime. 

Here are a list of the fraudulent accounts per bureau : XXXX XXXX XXXXXX/XX/XXXXXXXX {$300.00} XXXX XXXX XX/XX/XXXXXXXX {$300.00} XXXX XXXX  XX/XX/XXXXXXXX {$300.00} XXXX XXXX XXXX XX/XX/XXXX{$1900.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$1200.00} Inquires XXXX resident   scre XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX fXX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX {$300.00} XXXX XXXX XX/XX/XXXX XXXX {$300.00} XXXX XXXX  XX/XX/XXXX XXXX {$300.00} XXXX  XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$6300.00} XX/XX/XXXX 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 XXXX {$5100.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$200.00} XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Her is a list of all the fraudulent accounts and inquires that took place on my credit profile. 

In my pending lawsuit if I decided to proceed, contingent on the immediate removal of the fraudulent accounts and inquires. We have name the following indiviuals in our civil case against each bureau XXXX XXXX XXXX NCAC operations Supervisor XXXX   XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX Vice president and associate general counsel EQUIFAX XXXX XXXX Senior vice president XXXX XXXX ID theft XXXX XXXX Vice President and group counsel XXXX XXXX XXXX XXXX Corporate Vice president Chief legal officer XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX Director of fraud and identity management XXXX XXXX Exec VP Secretary gen counsel XXXX XXXX senior attorney XXXX XXXX Vice president and division general counsel regulatory These individuals will be named in my lawsuit if accounts are not removed immediately, Thank you
Product: Debt collection

XX/XX/2020 PAID XXXX After several times of contacting them the balance finally showed a XXXX recently NCA showing as an open collection this has dropped my FICO 4 score 49 points making
Product: Debt collection

I am disputing the inaccurate information on my credit report regarding my account with XXXXXXXX XXXX XXXXXXXX XXXX. Upon contacting the bank, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. The bank has agreed with the status of the accounts as " Open, Never Late, '' but I have not received the updated statement due to it being sent to the wrong address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

This company has not provided any information that this is my debt. 

They keep sending notices, but have not proved that I 'm owner of this debt. Provide paperwork that I am the owner of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have properly disputed multiple times with XXXX, XXXX, and TransUnion because they are not my accounts.There is now way these erroneous accounts were actually " verified ''. I have now filed an identity theft report with FTC in regards to identity theft ( attached ). My information has clearly been compromised and possibly merged with another person 's file. 

Also, in accordance to the FCRA, the following accounts are in direct violation of my consumer rights : XXXX XXXX - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Reference # XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX All accounts listed above are in violation of the following consumer laws : 15 U.S.C 1681 section 602 ( a ) ( 4 ) states that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b section 604 ( a ) ( 2 ) states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to it relates. 

15 U.S.C 1681c section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

I have attached FTC report and XXXX report.
Product: Checking or savings account

On XX/XX/2022 at XXXX XXXX. XXXX from wells Fargo refused to help me with the proper filing of a dispute because the bank does not allow a consumer to file for a chargeback on issues with billing errors or abuse of terms of service by the provider. She refused to transfer me to another banker and refused to transfer me to a supervisor. I explained my claim was already filed, to which she responded she was denying it. I questioned how the bank could deny a claim without documentation to which she responded she didn't need it. This is in violation of my rights and I will close the account immediately after I have this issue resolved. 


Dispute # XXXX
Product: Credit card

I tried to use my card to make a purchase on XXXX for XXXX with XXXX tax total was XXXX. XXXX kept getting declined. I contacted the company and spoke with XXXX people in XXXX and they kept telling me there was a XXXX dollar limit a day for purchases. I told them I had the money on the card and who are they to tell me how to spend it. They said oh well and hung up on me.
Product: Debt collection

Southwest Credit Systems a re reporting to  XXXX  that I owe a balance of {$250.00} for  XXXX   XXXX  showing that this was reported  XXXX   XXXX ,  2015 . However I have current service with  XXXX , and have been well before that date.   I do not have an account at the address that is attached to this collection. I have an active account with  XXXX .
Product: Credit card

I have XXXX deferred interest promotions on my account. 
1. {$720.00} which was taken on XXXX/XXXX/2016 and was for 12 months 2. XXXX which was taken on XXXX/XXXX/2016 and was for 6 months. 
During the cycle in which I made the XXXX promotional purchase, I also made a second payment to my account that cycle. I had already fully satisfied my {$25.00} minimum due for the cycle due XXXX/XXXX/2016 with a payment of {$29.00} on XXXX/XXXX/2016. Prior to my statement cycling, I made an additional promotional purchase ( # 2 ) on XXXX/XXXX/16. This was still within the same cycle ( my cycle closed XXXX/XXXX/16 ). On XXXX/XXXX/16, 1 day prior to cycle, I made another payment of {$50.00}. This payment was entirely " in excess '' of the minimum. Synchrony applied that full excess to the old promotion. I had to call to have it accurately applied, and was advised by the agent when I told her that this is a systemic gap, that they know it, but that she can fix it for me and I wo n't have the problem again. She indicated that this only happens when you make an excess payment in the same cycle that you took a promotion at a shorter timeframe than the existing promotion on the account. My issue is that not all consumers are Vice Presidents of credit card companies like I am, and do not understand that this is an Unfair and Deceptive Act/Practice. 
There are no disclosures in the issuer 's Payment Allocation statement that reference promotional purchases, and given that this specific product 's primary use is by customers who are making interest deferred promotions, this should be succinctly called out. The requirement deals with the interest rate in play, because the purpose is for customers making more than full payments to be able to repay the debt in a shorter timeframe with lesser interest charges. By not requiring the issuer who offers mainly 0 % deferred interest periods to not also disclose to the consumer how the allocation of excess amounts will apply when promotions of differing lengths apply, the consumer is unable to understand fully how to pay the account to accomplish the goal of " 0 '' interest if paid within the required timeframes. 
Please contact me directly with any questions XXXX XXXX XXXX Sr Product Manager, XXXX Vice President, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO Experian credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts include : a credit card opened at 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in numerous fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that these fraudulent items be removed from all my consumer credit reports and that all collection activity related to these items cease immediately pursuant to my rights under the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit card

Recently it has been brought to my attention that Discover is claiming that I owe them {$150.00}, an amount which is entirely made up of bogus fees, charges, and supposed interest on a balance that does not exist. They claim I have missed payments, when the reality is, it never occured to me that I would be making payments, since the balance on the account should be {$0.00}. 

Here are the facts, so far : On XX/XX/year> I opened a new credit account with XXXX XXXX XXXXXXXX, and included a balance transfer request as part of that application. My Discover balance at the time was {$5300.00}. XXXX would only accept a full dollar amount for the balance transfer request, so that would leave the Discover balance at XXXX cents. 

The balance transfer was processed by XXXX on XX/XX/year>. Pre-existing auto-payments to XXXX & XXXX XXXX XXXX Discover card added {$21.00} in new charges to that account, bringing the balance to {$21.00}. I applied a {$10.00} cashback to that balance, leaving a final balance of {$10.00}, which was paid off on XX/XX/year>. 

Instead, we have a case of Discover choosing not to process the balance transfer for several days after it cleared the XXXX  account, charging me a bogus late fee for " missing '' a payment that I didn't miss and then adding interest charge on a balance that no longer exists. Discover has no way to dispute this type of bogus charges on their website, and attempts to reach them by phone are ridiculous, as is the case with any corporate phone center system, unfortunately. I would like to believe this entire situation is a mere bookkeeping error on their part, as opposed to deliberate malfeasance, but of course the additional result of this nightmare is that my credit rating has dropped by over XXXX points in the course of a month.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus XXXX, Transunion and XXXX and noticed the following information are in error : Names And Addresses and phone numbers Since noticing this i have made A FTC report that i have attached to this document here today. 

Addresses : 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 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
Product: Debt collection

TrueAccord are continuing to attempt to contact me without my consent and collect on a debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is America 's largest sub prime car loan company, who has been challenged in court by the attorney generals office. Per a lawsuit by 34 states including Florida, XXXX was found and has since admitted to wrongful unethical practices that led consumers like me, into loans that were purposely granted for the sole purpose of financial entrapment. thus, leading to early payment defaults. I have been notified by Florida attorney generals office that my loan is subject to receive a deficiency waiver due to their findings in my my case, as well as an additional monetary settlement. I have reached out to XXXX  over 47 times, and to no avail, I have ad few representative that have tried to help me to the best of their ability, but have gotten nowhere. I have reached out to 4 major credit bureaus, I have disputed this particular account numerous time with each CRA, my reasoning was inaccurate information and account was in litigation and was found to be in the favor of the consumer ( myself ). I included copies of both complaint/ judgement and proof of my claim in the settlement. under the settlement XXXX was ordered to do balance waivers to those who had defaulted with in the first 12 months, I first defaulted in XXXX of XXXX, less then 6 months of purchasing the vehicle. XXXX continued their deceit in masking when my original default was by stating it was in XXXX of XXXX, when in fact it was in XXXX of XXXX, and continued to default XXXX times after. there are several in accuracies as I have stated before, the judicial orders aren't being followed and XXXX 's blatant carelessness to follow court orders and FCC regulations is unethical. I have attached all the lawsuit, claimant correspondence forms and CRA documentation and unique claimant form from the Florida Attorney Generals Office as evidence. 


account number XXXX XXXX XXXX XXXX XXXX ssn
Product: Student loan

I have been working with Navient for almost 6 years regarding my loan repayment. I have been in the Rate Reduction Program, which was beneficial in the beginning. The payments started out around {$430.00}, going up approximately {$150.00} every 12 months. When I called in XX/XX/XXXX to renew, I was told that the program has been changed to renewal every 6 months rather than every 12. The lowest payment they could give me was $ XXXX/month, with an increase to over {$900.00} in XX/XX/XXXX. I have recently gone through a divorce, so now I am on a very limited income, with XXXX small children who require my care. They are refusing to work with me at all regarding my payments. Also, on further inspection, Navient has doubled the principal amount on all of my loans. I have never given consent for them to increase my principal amount, nor is that listed as a provision of the repayment plan.