23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was billed {$10.00} for temporary removal of credit freeze on XXXX XXXX, 2015 by Experian Credit Bureau that never took place. The auto dealer could n't get the credit report ( he showed the locked credit report statement ). I called Experian for a refund and they said XXXX is on the way but I never received it. This time I got charged XXXX times {$10.00} transactions on my credit card ( total of {$50.00} ) on XXXX XXXX, 2015, but once again a different auto dealer could not pull the credit report. I still do n't know why I was fraudulently charged XXXX times for transaction that showed error message when I initially tried to place a temporary release via the website. I spent over XXXX hour calling XXXX different phone numbers, on three different days, talking to XXXX different people, and kept getting a run around. I have {$60.00} worth of fraudulent charges on my credit card by Experian and no one over there knows how to fix the issue. I can NOT believe government regulators are letting a credit bureau keep track of credit information when they have committed deliberate act of fraud against me and XXXX of other customers. If CFPB wants to help consumers, this is a perfect place to start with investigation of credit buearu compliance. Checking other internet websites, Experian Credit Bereau has a repution for steeling and committing fraud against innocent individuals!
Product: Credit reporting, credit repair services, or other personal consumer reports

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. XXXX SHOCKED HOW IT HAPPENED.
Product: Debt collection

I receive robocalls and other types of calls from someone claiming to be " ERC ''. I have not engaged with these people by responding to any questions or by calling them back. 
I do not have any outstanding debts whatsoever. I owe no one money. I am not in arrears on any debt. 
My name and home phone number are publicly available, but the number is on the " do not call '' registry. 
As I owe no money, and my number is on the registry, I believe that ERC is engaging in fraudulent activity.
Product: Money transfer, virtual currency, or money service

I have had cash app account for many years since XXXX I believe and have questioned fraudulent charges to my account many times with no real response, lots of charges related to auto pay ie XXXX charges and many other charges I never agreed to take out of my account... I don't have XXXX products at all or any other charges from foreign distributors etc. I have multiple accounts on cash app so my social security number would be needed to look into my accounts...
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, a XXXX XXXX  CREDIT ACCOUNT was reported to my credit. I was completely unaware of this fraudulent account. This account is damaging my credit. I never authorized or opened this XXXX XXXX account. This account is fraudulent.
Product: Debt collection

I have been a patient of XXXX XXXX - XXXX office - for their XXXX. At first, they had a great doctor, so I was happy with my service. They have however changed the doctor and everything went downhill from there. There were several times when I would show up for an appointment, to be told that I have to reschedule because the doctor is not in today, or something has happened - I do not understand how the receptionist could not make a phone call and let me know ahead of time, before I loose the XXXX min to get there. I had to stay with them as I have already paid in full, therefore I just kept on going, trying to be understanding, and mostly because I did n't have too much time to research other doctors and go through the process again. Because I liked the doctor, initially I did n't really pay attention to their managerial skills. In time however, I started to notice how unorganized and unprofessional their whole office was. 
Just to give you one example of this total lack of organization and care : My insurance changed, and they had some problems with the billing, of which I was not aware until a half year later. When I finished my treatment, I asked for my balance, I paid what I was told that I owed the company. A couple months later, I checked my credit score, and apparently I have been put in collection for a {$600.00} bill that I have not been told about. When I called for clarification, the corporate office not only was very dismissive, but told me that they have two types of accounts that they use at their offices, and that this bill was for my second account. 
How is it possible that somoene asks ahead of time how much do they owe and than they get another bill charged. I have checked with XXXX, and apparently they are not even registered with them.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


SUMMIT ACCOUNT RESOLUTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX, Equifax and XXXX in regards to XXXX XXXX XXXX collection account listed on my report. And explained that XXXX XXXX XXXX is in violation in regards to their reporting on my credit report and stated why and showed proof of said violation. However, they came back verified. I sent XXXX XXXX XXXX a letter certified mail return receipt requesting validation under the Texas Financial Code 392.202, Fair Credit Report Act and Fair Collections Act and proof is attached with return receipt dated XXXX XXXX, XXXX and XXXX XXXX XXXX failed to property follow the law and never contacted me in regards to my request it has been over two years and XXXX XXXX XXXX has yet to validate and verify the debt to me per my request as of XXXX XXXX, XXXX. After giving them ample time to respond I disputed with the credit reporting agencies and let them know of XXXX XXXX XXXX lack of response in regard to the credit line in accordance with Texas and Federal Law. However, once disputed on those grounds XXXX, Equifax and XXXX verified it thus also being in violation.
Product: Credit card or prepaid card

Good day. I have a XXXX Mastercard which is sponsored by Capital One. Capital One, without my knowledge or consent, enrolled me their online only statement program. I never received a statement from them and was consequently late on a payment which they reported to the various credit agencies. When I did receive notice via email that I was late I contacted Capital One and they admitted it was a mistake that I was enrolled in their online only program. They reversed the late fees however they would not or could not remove the late payment reporting to the various credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.
Product: Money transfer, virtual currency, or money service

Due to account restrictions, lost over {$60000.00}
Product: Mortgage

Seterus has been notoriously slow in processing my client 's loan modification. My client was approved for a HAMP trial modification back in XXXX XXXX to begin XXXX/XXXX/XXXX and end XXXX/XXXX/XXXX. He completed the trial successfully. It then took 5 months for the borrower to receive permanent modification documents. We signed and returned them in the beginning of XXXX XXXX. Ever since, I have been trying to ensure the modification is processed and finalized before closing the file of this case. I make weekly calls to Seterus and each time I call the call is at least an hour in duration, most of that being time on hold. Needless to say that we still have not reached a resolution. In my latest phone call today I was told that during the drawing up of the modification documents there was an error with the title portion, that is potentially going to force Seterus to redo the mod documents and my client will need to sign and return the documents again. My first problem with this is that if it took them 5 months to draw up the documents manually in the first place, then how could there be an error and why is it taking MONTHS to correct this issue? Every time I call Seterus about this client, I always speak to someone different and no one ever gives me any answers. I find this very discouraging to my client. He is elderly and thought he was finally at the end of this process. only for the delay to continue for no reason.
Product: Consumer Loan

I went to Conn 's to buy a computer and TV. When I ask when payment was due, I needed it to be around the XXXX and was told NO PROBLEM I can call and have the payment date when I needed it. When I got home I called and was told no the date could not be changed. I explained what had been told to me but they said sorry, I had a 10 day grace period. I was supposed to have 12 mo 0 % but if all payments were not made on the due date they told me, the 0 % interest was void. 
If not paid on due date I start getting calls ( as many as 15 a day ) They now are leaving messages asking for XXXX?? and all in XXXX. If I call back, I get someone that does not speak English or get transferred then hung up on. I have asked for a copy of my account, It takes several phone calls and finally after2 1/2 months finally got one. Interest is 35 % and the extra amt. paid is not going on the balance, just says future payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of XXXX i became a victim of Identity Theft. On XX/XX/XXXX Portfolio RecoveryXXXX XXXX has reported a Credit Card with a balance of {$840.00} which has been opened by someone fraudulently without my knowledge. Ive disputed this card several times without any Change. When I asked XXXX to validate this account they said it was a validated by XXXX XXXX because they said it was mine. Without a letter of validation that shows the card is actual mine that I filled out a a application and signed for the card. The statement made by XXXX XXXX should have No bearing on the decision of XXXX. Basically XXXX is taking XXXX XXXX  word over mine which is discrimination. Without any proof to verify this account belongs to me it should be removed. Ive asked for a letter of validation over 60 days ago and yet to receive anything. Please remove this account from my XXXX Credit Report.
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 accounts 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 accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I lost my job due to covid ans this bank didnt even let me know or offer me assurance which caused my account to fall behind and be delinquent now I called customer service they refuse to assist me they blocked my online access they wont even mail me statements they stopped sending me so how was I supposed to make a payment without a bill I asked they refused to send me a paper statement by mail to see my balance and offer hardship Assistnaxe I was a loyal customer until this happened to me
Product: Credit card or prepaid card

I bought XXXX cards in early XX/XX/2022. They were unopened and unused until XX/XX/XXXX. That day I checked the balance on vanillagift.com as instructed. It showed XXXX cards, each with a full balance of {$50.00}. 2 days later the cards were rejected. When I got back from vacation, I contacted the company and they verified that the cards had been drained at XXXX the night I checked the balance on their site ( XX/XX/XXXX ). One card had XXXX - {$0.00} charges and was drained in 1 minute. The other had a few other amounts. It was mostly drained over XXXX XXXX min periods. All charges were to " XXXX ''. Obviously these were not legitimate charges as there is no way to make XXXX transactions in under a minute. They locked both cards so I have never had access to XXXX of the {$50.00} cards. I had to wait for them to send copies of the charges and I submitted the dispute packet XX/XX/2022. I have contacted them by email. No response. I have called and they keep telling me XXXX days " to review ''. 
They have no intention of giving me back my {$100.00}. The cards were good until I went to their page. Once drained from their page, they locked the cards so I didn't even have access to the balance. Vanilla pre-paid visas are a scam.
Product: Debt collection

I have a debt from  XXXX  listed on my credit report that is in collections but I never had an account with  XXXX . The  Collection Agency Convergent Outsourcing , Inc. is   the  XXXX  reporting this debt on my credit file. I have used  XXXX   XXXX   XXXX  to try to get it removed as they have not sent any type of communication on when I actually did obtain this said account with  XXXX .  XXXX   XXXX   XXXX  was not able to get it removed as the collection agency is not responding back to them with proof that this is my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I've been the recent victim of identity theft and account take over, I made a request for my CHEX consumer report online. The company has made it incredibly difficult and has yet to provide me with my full consumer report as requested. Their first response was to mail me a letter stating it was required that I call in and provide a security code to have my report sent to me. That was a long and lengthy process. When the report finally arrived, it was void of all data relevant to the score they provided or the reasons for the score. No banking or transaction information was provided at all. Jus a score and obscure reason codes, which make no sense to the average American.
Product: Credit reporting or other personal consumer reports

I have contacted each credit agencies. XXXX XXXX Can not verify my identity. then why are you putting my wrong information on my credit file. start from my address every agency has different and employer : XXXX XXXX, what is that? I work XXXX XXXX XXXX. 

I am attaching all documents : XXXX ) FTC Identity theift report from XXXX and XXXX XXXX XXXX Local Police report from XXXX XXXX ) All ID notarized. 
XXXX ) Credit report from XXXX agencies. 
XXXX ) Utility bill Now, i dont want same letter back to me. I will send to FTC and XXXX XXXX to full extent of law. 

Also I am also Exercise Your State Privacy Rights Certain states grant their residents options with respect to their personal information. If you are a resident of California, Colorado, Connecticut, Montana, Nevada, New Jersey, Oregon, Texas, Utah, or Virginia, in some circumstances you XXXX be able to request to opt-out of your personal information being sold to third parties. 
I am from Texas attached is my all forms of ID Notarized. 

XXXX ) I am Exercise my State Privacy Rights XXXX ) Do Not Sell or Share My Personal Information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 items that are incorrect on my report for the last year and despite my disputes- Experian refuses to furnish information requested as part the dispute process. 

One of the accounts has been settled with the creditor- I have provided proof of the settlement agreement as well as proof of my payment and completion of such settlement. 

The second account has incorrect data reporting to all 3 bureaus- XXXX has already deleted the account as it has aged out. 

I would like Experian to properly handle my disputes and not farm them overseas to entry level support teams. 

Both issues are preventing me from obtaining a mortgage loan.
Product: Student loan

Ive requested that Mohela send me a refund for my student loan payments over a month ago and havent heard back from them or received my refund.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : 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 EQUIFAX 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 consist of XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, another account resurgent receivables XXXX opened on XXXX account number XXXXXXXXanother account is national credit adjusters opened XXXX account number XXXX, another account is XXXX XXXX opened on XXXX XXXX account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( private case number ) 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I received a letter from AmEx stating that because their advertised rate was incorrect I would receive an interest rate of 1 % but I had closed that loan already because the rate was not as advertised. I reapplied and they did not honor that rate on the new loan. I am asking because it was wrong and I should get the 1 % on my new loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I mailed a dispute to XXXX XXXX, which they received per certified mail on XX/XX/2023, requesting that they update my balance to XXXX ( XXXX ) due to the debt being paid, and I included the evidence supporting my claim per the attached enclosures. 

According to 607 Compliance Procedures 15 U.S.C. 1681e ( b ) Accuracy of Report, which states the following, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Since XXXX XXXX is in Violation for NOT reporting a XXXX Balance, Im requesting for this entire trade line to be removed from my consumer credit report. I appreciate your assistance in this matter.
Product: Debt collection

XX/XX/2018 a {$640.00} debt to A.R.M. Solutions ( that should NOT have been owed!!! ) was paid off in full. However, I am still receiving between 5 and 10 phone calls per day from them and each phone call tells a different amount that is owed!!!! 

XXXX XXXX is the problem too!!! They have not communicated that the debt was paid off. Furthermore, the reason the collections started in the first place was because XXXX  XXXX was SENDING THEM TO THE WRONG ADDRESS! I have received terrible customer service from XXXX XXXX. And multiple problems from the get-go. 

Please investigate XXXX XXXX and A.R.M Solutions!!!! 

Thank you, XXXX XXXX
Product: Credit card

On XX/XX/23 I made a balance transfer request with XXXX to pay {$2700.00} toward my balance at American Express. The payment never posted to American Express. I paid the interest accrued on the account and called AMEX to inquire about the status of the balance transfer. The representative stated it could take up to XXXX  days to process because of the timing of the check distribution from XXXX. I called XXXX for documentation which could be supplied to AMEX. I was provided a confirmation with tracking information for the electronic payment issued by XXXX to AMEX on XX/XX/23. I opened a case on XX/XX/23 with AMEX and uploaded the confirmation of payment. As of XX/XX/23 this payment has still not been applied to my AMEX. I am now paying down a balance transfer at XXXX while still carrying the amount at AMEX. This is incorrectly inflating the amount of revolving credit I am using and impacting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of accounts with XXXX. Last year when I was downsized because of Covid, I called the company and explained I was out of work and needed help because of Covid. They very nicely told me I didn't have to make a payment. Now they are showing I am behind on making payments and are closing any open cards I have.