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

Prepaid card was loaded with {$50.00} but once expired wouldn't renew making me out the money and the company XXXX the balance and keeping the funds. No different than theft and zero notice to use.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account XXXX  : # XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for 10 years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under 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 have once again provided the information regarding the account in question : XXXX XXXX  Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$1600.00} XXXX XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$3500.00} XXXX XXXX XXXX  Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$2000.00} XXXX XXXX XXXX  Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$2000.00XXXX XXXX XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$5500.00} XXXX XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$4500.00} XXXX XXXX XXXX Acct # : XXXX Open Date : {$500.00} Amount : XX/XX/XXXX I dont recognize these accounts. I did not authorize these and because of an evil roommate, I have to suffer for his terrible actions. These accounts were not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to XXXX, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Product: Credit card

My XXXX XXXX XXXX XXXX XXXX XXXX was fraudulently charged on XX/XX/year> in an amount totaling {$530.00}. The merchant for this charge was to XXXX XXXX XXXX. When I called to dispute the charge Barclays incorrectly submitted the dispute as Services Not Rendered/Received versus a fraud charge. The Barclays reference for this is XXXX ID XXXX. The merchant decline the dispute, Barclays required payment, and I am unable to receive customer service assistance from Barclays to resubmit the dispute as fraudulent. I have escalated within Barclays credit card customer service team multiple times and have been promised a call by a customer service XXXX but I have never received a call back. When I call to inquire about the escalation resolution I am told a XXXX called but I didn't answer. Again, I have never received a return call from Barclays.
Product: Credit reporting or other personal consumer reports

I would request the CFPB to seriously consider looking into the practices of the three credit bureaus : Experian, XXXX, XXXX for unethical practices of selling consumer data for trigger leads. 
They operate as a XXXX and each year, clients have called my loan officers to personally complain about receiving 20-30 calls in one day from unknown mortgage companies after a credit pull. Many were angry and upset about how the calls have disrupted their entire day and work schedule. They also complained about still receiving these calls even after opting out online and on the do not call list. 

In addition to selling consumer data, the credit bureaus have increased the cost of pulling credit report 500 % + in the past few years. 
a soft pull one bureau report used to cost {$3.00}, now it is $ XXXX. 
tri-merged mortgage report used to cost {$36.00} ( 2022 ), now it is $ XXXX. 
the unreasonable increase added burdens to consumers who seek housing finance.
Product: Debt collection

I have a medical debt for {$1000.00} thats involved for last 6 and half years in subrogation and litigation with hospital and my lawyers, this bill is involved in litigation still and a collection agency shouldnt be able to give me bad credit reporting when my lawyers are involved in trying to settle this account .. the bad reporting should be removed immediately. The debt collector common wealth financial needs to contact my attorney XXXX, XXXX XXXX XXXX XXXX XXXX regarding this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020, I received an alert from XXXX that American Express places a hard inquiry on my credit report at XXXX. 
I did not authorize nor request for a new credit card so I immediately contacted American Express via phone. 
I spoke to several representatives who stated that American Express did not pull a hard inquiry in my credit report. 
And to contact XXXX to dispute the inquiry. 
I contacted XXXX, and according to the dispute specialist..I can not dispute a hard inquiry. She stated that American Express will need to dispute it. 
I contacted American Express again, and American Express representatives claim that I will need to dispute it myself. 
I am been given the run around by American Express and XXXX. 
XXXX will not let me dispute the inaccurate hard inquiry placed on my file electronically or over the phone.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX  XXXX XXXX  XXXX Date Opened XX/XX/2018 Balance : {$530.00}
Product: Credit reporting or other personal consumer reports

I attached what I am asking for and XXXX  bankruptcy laws. I am asking for XXXX  letter to incure new debt with these acounts. You legal departments will be getting the same suff. XXXX XXXX  needs to be remover and not show back on my credit report. XXXX XXXX removed and show back up on my credit report. and XXXX XXXX And XXXX XXXX XXXX XXXX. Need 's to be remover and not show back up. These credit card company and braking the federal laws. And I know nothing about these four acounts there not mine
Product: Money transfer, virtual currency, or money service

Bank of America I did a transfer through Bank of America and asked them to cancel that transfer since it's a fraud ; I've called the 5 times, the first time the assistant transfer the money from my saving to my checking and tell me it has been credit ; The second time I've been told the transfer will be cancelled and the money will be back to my account in 24 hours ; The third time I've been confirmed it would be cancelled and back to my account in 1 to 5 business day. 
The forth time I've got same answer with the third The fifth time, I've been told I have to wait for 30 business day and the manager abruptly hang up. 

After 5 days delay, I've lost my money.
Product: Checking or savings account

The company I work for deposits my salary electronically every two weeks, one day before the payment is due, and the bank has not answered the phone or enabled the funds for 2 days. In the company they appear as transferred, but the bank claims to have problems with third parties to enable the funds.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice of two hard inquiries on my credit report from two separate financial institutions for new credit applications. Neither of these applications were made by me and I believe I may be the victim of identity theft. I have reported both applications for fraud to both XXXX XXXX Bank and XXXX XXXX respectively. I have also spoken with Transunion to freeze my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a checking account with key bank, there was some fraudulent charges from XXXX XXXX XXXX I reported this a d disputed it. These charges were well over XXXX  $ and it put my account negative. After 3 months and both companies agreed that the charge is both incorrect and fraudulent/mistake yet no body has refunded my money I am out over {$4000.00} and my credit score got several charge offs. Neither company wants to refund me and I keep getting passed off to the other. I have lost my job and because I couldnt afford my medication I suffered some life threatening medical conditions. I missed over a month of XXXX and racked up a {$30000.00} hospital bill. I need help getting my money back and getting the charge off off my credit report. They admit it was wrong but no body will help me. They hang up on me or never call me back and at this point I am going to get an attorney. This is my last attempt at trying to solve it without an attorney.
Product: Debt collection

Dear Amsher Collections, I am writing this letter to express my dissatisfaction with your services. On XX/XX/2023, I received a notice of debt from your company. However, on XX/XX/2023, I sent a dispute regarding the debt, to which you responded but failed to provide the requested information. 

Despite my request, Amsher added tradelines on or about XX/XX/2023, stating that I owed the disputed debt and dismissed my FCRA rights. On XX/XX/2023, Amsher sent a statement but none of the the other documentation requested. Please note Amsher sent the documents after posting to my credit report, which is inconsistent with FCRA. Letter from Amsher dated XX/XX/2023, has been attached. 

As a XXXX citizen, this has caused me a great deal of stress. I have attempted to communicate with Amsher several times to have my FCRA rights recognized, but to no avail. I have included communications with XXXX XXXX, Client Service Manager. 
Amsher emailed information from XXXX, but as I originally stated, I do not owe the debt. Amsher 's actions have completely disregarded my rights and I am now seeking help from the Cfpb. I hope you will take the necessary steps to rectify this situation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I was denied a security clearance because DOD found a delinquent account in an estimated amount of XXXX, creditor by XXXX XXXX on my credit report that am unaware of. I contact XXXX by disputing the account. XXXX came back stating when they contacted the creditor which is XXXX XXXX, stating account belongs to me and that theres no error. XXXX gave me XXXX XXXX phone number they have on file but when i called its not going through. I googled them and I got their number and the representative I spoke to told me is a private loan i took when i was attending XXXX XXXX XXXX around XX/XX/XXXX. XXXX XXXX offered my a settlement amount of {$8200.00} if i want to have it cleared of my report or I have to pay the past due amount on the account which is in an amount of {$10000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I'm attempting to put a credit freeze with Experian and during account sign on up on their website I get the following error : " Sorry, there was an error. 

Click here to sign-in if you already have an account. 

Don't have an account? Learn more about our services. 

Call us toll-free at XXXX Hours of operation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' When I attempt to call the number mentioned I get an automated system that redirects me to try using the website no matter what voice prompt I give it including " website error, can't continue, I need a rep, etc. 

I found another phone number on their website XXXX but I'm greeted with the same or similar automated system that says it can not help me, to visit the website instead then ends the call. 

As it stands, due to the structure of the website and automated system put into place by Experian I am unable to access my account with Experian, and therefore unable to place or remove credit freezes which puts me at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made withoutmy consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XX/XX/2023 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of Inquiry : XXXX/XXXX/2023. XXXX The inquiries was not authorized from XXXX XXXX ( XXXX ) different inquiries from same company Date of Inquiries : XXXX/XXXX/2023 Please remove it from my credit report. XXXX. This account should not be reporting on my credit report XXXX ( account number XXXX ). Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I got a lady today stating that my credit card company Aspire wants to Increase my " monthly maintenance fee ''. First of all I never new I had a maintenance fee, how can I get out of debt when I am paying all of these fees. This just started in XXXX so I wasn't aware of it. My account is in good standing and I never missed a payment, always pay more than what is expected etc. So I call there today and directly get someone in Account Services and right away the guy on the phone assumed I had called to discuss the changed in terms on monthly maintenance fee which apparently I was never told about but generically told In my terms that I may be not how much or when. So now I have this letter that is telling me not only do I have a fee that just started in XXXX now I am going to have to pay more as of XXXX. 

I think this is predatory to the borrower and a way to push the borrower to cancelling their account but why bother giving me an account in the first place. I pay my bills on time and more that what is due each month. Also I was told that even if my balance is paid off I still have to pay the month fee. 

Help me XXXX XXXX