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

I scheduled a move with XXXX XXXX XXXX XXXX/XXXX/XXXX. I was quoted {$1900.00}. They required an {$750.00} deposit. There is a 3 day cancellation policy. I was called by XXXX the evening of XXXX/XXXX/XXXX. He wanted to go over inventory. He asked what floor I was going to be on in new address. I said XXXX and he said he would check and see if he has a truck. When he got back on the line he said the price would be {$3600.00}. to move me or they would not take all of my furniture. He emailed a new agreement with less boxes and furniture on the list. I replied via email to cancel the move as this was not agreement. I filed a dispute with Citi Bank on XXXX/XXXX/XXXX. They have been of no support. I have emailed and faxed everything they requested and after 2 months of this and endless phone calls only to be told today by a dispute manager, XXXX, that because I did not cancel within the 3 days they can not assist me. I can not comprehend how they can not support me in this obvious scam. The company has many similar complaints which I also submitted.
Product: Credit reporting or other personal consumer reports

I have been disputing the same inaccurate accounts on Experian, XXXX, and XXXX for over a year now. I have also spoken with creditor companies about inaccurate accounts and asked that they be removed. The creditors are refusing to remove inaccurate accounts and continues to update accounts rather than remove them. Due to this injustice by creditors my financial opportunities have taken a severe downfall, its holding back my credit score and credit opportunities. My security information has been breached on Experian Creditors account several times and no action has been taken by Creditor.
Product: Debt collection

Any debt that I have had with XXXX XXXX XXXX and XXXX XXXX XXXX has been paid. I submitted proof of payment and this is still showing on my report. Experian is not doing its job and violating my rights. Looking for an attorney to sue both progressive and Experian for violating my rights. Failing to properly notify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This is a closed account and I demand this account be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Beginning XX/XX/2020, I received an email from Credit Karma, notifying me that the password to my account had been changed. I visited their website to verify, and surely enough, someone had changed my password. 

I figured this may be due to me using a password that'd been recently compromised somewhere else, so I went through the account recovery procedure, received the verification email ) * ) to verify that I, the account owner, am requesting the password change ; clicked the link, and changed my password to a newly generated alphanumeric string, unused anywhere else. This should have been the end of the story. 

About an hour later, I received yet another email, telling me that my account password had been changed. Frustrated, I checked my server logs to verify that only I had access to my email inbox, which turned to be true - so nobody was requesting the change, logging into my inbox, and deleting the verification email. 

I changed my password a second time, to yet another freshly generated alphanumeric string, this time using a different device - perhaps my workstation had been compromised? No! The next morning, I had more password change notification emails in my inbox. I yet again went through the steps and changed my password, which was YET AGAIN changed, thirty minutes later. 

This prompted me to reply to Credit Karma 's " contact us '' email address, which bounced back, and referred me to a different email address to use. I followed the directions, and submitted the complaint. They responded in a very dismissive manner, and when I followed up, telling them it had happened YET AGAIN, they 'escalated ' the issue. This was on XX/XX/2020. I have not heard back from them. 

With the amount of personally identifying information that Credit Karma has access to, for this to happen and be essentially swept under the rug is a blunder of ineptitude. What are my available courses of action at this point?
Product: Credit card or prepaid card

On XX/XX/2022 I clicked a website offer to sign up for a XXXX XXXX American Express card. The offer included XXXX bonus XXXX if I charged {$2000.00} in the first two months I had the card. On XX/XX/2022, I had charged more than {$2000.00} on the card, but did not get the bonus. I contacted American Express through the chat feature of their App, and was told that they did see that I had activated the offer for XXXX miles, but that the offer was " rescinded '' during the application process, and I should have seen a pop up indicating the offer was rescinded. There was no such pop up, and at no time did AmEx communicate that the offer was rescinded until I contacted them. They indicated they would research it and get back to me in 7-10 business days. I never heard back. 
Unfortunately, the app does not allow you to save a transcript of the text, so I then called Customer service and spoke to " XXXX '' -- she confirmed the same information : that the offer was " rescinded '' during the application. I told her I was never told it was rescinded. She " opened a case '' for me and said I would hear back fr them in 6-8 weeks. I never got any response. It's now been 13 weeks, and no one from Amex has gotten back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me  know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

Texas, office of the Attorney General office account number XXXX has reported to credit reporting agencies such as XXXX XXXX, Equifax and XXXX, which is a clear violation on the title 15 USC subsection 1681B.

Credit acceptance company account number XXXX. Its also reported on my credit file which is a violation under XXXX 15 USC subsection, 1681B. They are also in violation of the fair credit reporting act title 15 USC subsection, 1681 ( 2 ) ( a ) ( i ). Texas attorney general office states that I owe {$61000.00}. Credit acceptance also states that I owe {$17000.00} or {$18000.00}. This was done for anywhere from XXXX year to XXXX years ago.
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

This company XXXX XXXX XXXX sent me correspodence in the mail stating that i owe them {$100.00}. I never did business with this company, never signed a contract, or heard of them. I sent them a debt validation letter in the mail to have them properly validate this debt and i was ignored, its been past 30 days. I would like to know where this debt came from, and see a copy of the original sined contract stating that i did buisness with XXXX XXXX XXXX.
Product: Credit card or prepaid card

I am a XXXX year old retired female who does not have an account with XXXX and a series of charges totaling over {$600.00} from XXXX appeared in my Credit Card with Chase. 

I contacted XXXX to report the issue and since I do not have an account with them, they were unable to release any information about the charges even though my credit card was the one charged. XXXX advice me to contact Chase. 

During the period of the investigation, all of the charges were credited back, and after about 30 days I called customer service to ask if said credits were final ; they told me yes, not to worry. Then, the next billing statement came and all disputed charges were added back. later I received a letter stating that the investigation concluded that all charges were valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX  XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. I need some help with my credit file there is a issue with my information not being correct. I am applying for a new job and need the right information reported on my file. My correct DOB is XXXX my correct SS is XXXX. 
My current and only employer : XXXX  XXXX XXXX  XXXX. 
PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Despite my numerous efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, this issue remains unresolved. The continued inclusion of these items has had a severe impact on my life, causing undue stress and XXXX It is important to emphasize that I neither authorized nor consented to the association of this information with my name, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

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. Whos XXXX  XXXX XXXX help 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 it you could assist in removing the following from my credit report, these are the accounts
Product: Bank account or service

Paypal withdraw {$410.00} in XXXX XXXX 2016 to pay for a computer that have purchase in Ebay but here is the problem ... computer was bad so i return the computer back to the seller so the seller suppose to send me a refund but intead the seller send the computer back to me again but i do n't want it so i send it back to the seller the second time for a refund ... now the seller got the computer back again but this time the seller have my money and my computer and i have nothing ... so i complaint to PayPal and they told me that there is nothing they can do about it ... so i losing {$410.00} plus the computer ... paypal is the only one that have access to the seller account and can get my money back ... in another word the took the money from me and the have to put it back in my account ... ( note : Paypal have the tracking number of proof seller receiving the computer back )
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XX/XX/XXXXXXXX XXXX Account Number : XXXX Date of Late XXXX Nature of Complaint : On XX/XX/year>, I submitted a dispute to Equifax disputing a late payment reported by Equifax. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I have never made a late payment to this company.

I finished paying my loan in full. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

My parents have been receiving 4-5 calls per day from a debt collection company that says they 're from Iowa. They are asking for information on someone who does n't live at their house, but has the same last name. My parents have kept a log from the start, and this company has called over 60 times in the last month, as early as XXXX. The company will not divulge any additional information. My parents have all the names and phone numbers of those who have called.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not being shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Dept of Education ( Aidvantage ) and US Dept of Education are reporting inaccurate information. I had accounts that I opened in XXXX and unfortunately was unable to make payments due to some life events. I had been told that US dept of Education defaulted my debt and sent it to collections. However, Aidvantage is reporting the accounts still even though it has been over 10 years and past the credit reporting limit. Recently I noticed US dept of education said I had accounts that were opened in XXXX and that payments were made. However, I have never opened accounts in XXXX and do not believe these to be mind.
Product: Vehicle loan or lease

I bought my truck lease out with GM Financial on XX/XX/2018. They gave me a payoff, I sent them a check and they sent me my title. They sent me a letter acknowledging my lease is paid in full. They are now billing me {$210.00} for a tax that has nothing to do with me. I have called them several times to get this resolved. They have admitted to the error and promised fix it. This has not been done, now not only has the bill gone to {$420.00} ( dated XX/XX/2018 ). This is effecting my credit from all three agencies. I am unable to get credit due to this issue. The people in customer support promised this would never get to a reporting agency.
Product: Student loan

I can't log into my Aidvantage account. The wheel keeps spinning and then goes to an error page. I've tried this on three different browsers, first on XXXX and XXXX. in XXXX it doesn't populate the login box.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit report I noticed that XXXX, XXXX, and Experian have been acting in a trustee capacity without my consent. They have been furnishing my personal information with regards to my child on their credit reports which is a violation of my right to privacy. The file is named XXXX XXXX XXXX, the furnishing of this information is unfair to me because it was never verified by me or requested to be placed on my consumer report. They have failed to exercise any investigation and have instead contributed information to tarnish my reputation. 

I would like to know what reasonable procedures where used to ensure fairness and authenticity in this reporting. 

In addition, XXXX has allowed for my information to be shared with various companies without my consent or consideration, a few being : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, all location information I wish not to be furnished on my consumer reports. 

I would have to demansd that all items mentioned be removed and reporting be done in a lawful manner.
Product: Checking or savings account

XX/XX/2019 I opened up a checking account with Chase Bank. I received an account number, set up direct deposits to this account and downloaded its App. XX/XX/XXXX I tried logging into the Chase App and I was prompted to call a number because my account was locked due to suspicious activity. The first time I called the representative repeated my social security number back to me, which I thought was odd for a company to do for security reasons and then she informed me that my account was closed but couldnt explain why. I went online to get a Chase customer service number because the apps prompt to call seemed fishy to me, for the brassiness of the first representative and the lack for personal profile protection was beyond me, I couldnt help to think I was being scammed. Talking to the second directed representative, I was informed that my account has been closed due to internal review but they couldnt tell me why. I asked several times to speak with someone in regards to my concern but they said Mam there is no one you can talk to other than us and the bank has made its decision I asked based on what? What is the reasoning, I have a right to know why. They kept saying its confidential, but its my confidential information that Im demanding. They couldnt direct me to underwriting, tell me how they come to their decisions, they just told me no and thats it. I even asked if they will send me a denial letter stating why, they had no answer for me whatsoever. I am beyond upset to be treated this way and I am scared about my personal identity being compromised. They said suspicious activity on the app well what does that mean? Im worried sick!
Product: Debt collection

I received a phone call on XX/XX/XXXX from this company Diversified Adjustment Services. The debt had already been discussed and satisfied with XXXX in XXXX. I spoke with a manager named XXXX XXXX who took care of the charges that should of never been applied in the first place and sent me a later stating my account was paid in full. Fast forward to XX/XX/XXXX, I have gotten at least 5 phone calls a day regarding a debt that does not exist. I spoke with two reps from this company. One was  decent but did not listen to me at all. Just wanted me to hand over my card for a {$3000.00} bill that does not exist. The rep I spoke to on XX/XX/XXXX was disgusting. He threatened me, insinuated I was a loser that does not pay my bills. Asked me questions that were irrelevant and threatened me with placing it on my credit and bringing up a lawsuit. I politely asked for them to cease contact while I clear it up with XXXX but he laughed at me. Mind you I am still in my 30 days to have them validate the debt per the law from the letter I mailed. I also mailed a letter to them to cease contact while I clear it up with XXXX which I am in the process of doing, but their harrassing phone calls multiple times a day to their nasty treatment and threatening words are out of control and clearly against the law. Help!
Product: Debt collection

ENHANCED RECOVERY COMPANY has put a debt collection notice on my XXXX  credit report. This account was already removed from my report and they have tried to illegally re-age it by adding it with a new date to make it appear as if it is a new account. I have not received anything prior to this notification and it is detrimental to my credit score and my ability to use my credit to rent an apartment, buy a car, and other things that require a good credit score. 


I have filed a complaint with the CFPB before and they had to remove it. Now they are trying to add it again in hopes of damaging my credit score and causing distress to my life. This needs to stop. 

I will also be filing a report with my California State Attorney General to let them what this company is doing.