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

Hi Sir/Madam My name is XXXX XXXX and I have Direct express card XXXX under account number that card is provide me Social Security Administration for my SSI . in XXXX of XXXX some one stole {$200.00} money from that card and it withdraw from other city there I never visit in my life. the card is with me and i memorize the pin never been share, I file dispute and bank suspend my dispute and there supervisor say we cant do any thing. my humble request is i want know we are trust on bank and for our money is hands on bank and if there system some one hack or there our money some one stole who is responsible. Its the money for my surviving please help me in this matter. I request bank and there supervisor very rudely say if want file complaint against us. I really feel helpless now and feel us as in trauma. please provide me justice. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported charges that were fraud on my credit card from XXXX and made a dispute with XXXX  XXXX which is through XXXX XXXX and they stated an investigation would take 30-60 days and nothing has been done with taking these charges off my account. This credit card company has been charging me late fees on this account when they do not belong to me since i never made these purchases. I am disputing this account since I have now closed this and want to find remedy in the credit card company zeroing out this account since they never completed an investigation
Product: Credit card

I received an email that a Best Buy Citi credit card was taken out in my name. I attempted to call their service line for fraud, but did not give my SSN to an automated line. 

I froze my credit card. I received an email this morning that the account has been made and the primary phone number has been changed. 

I attempted to call Best Buy again, but had no options to shut down the card or claim identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. These accounts are not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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
Product: Credit card

I spoke to a representative with my indigo credit bank about not making a payment on time, but within the 30 days grade period. I made the payment within the grace period and was still have a mark on my on time payments. I've tried to call them twice and they tell me there is no department to talk to about credit history. So I'm asking the CFPB to assist. The reference number I was given when talking to the rep about paying later and told was acceptable was XXXX indigo
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached letter is stating that the questioned accounts are not verified as mine< They do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe distress upon the discovery that my rights were violated by XXXX on XX/XX/2021 for the amount of {$160.00} 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 I demand that this be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DON'T HAVE ANY PUBLIC RECORDS ON MY CREDIT REPORT, AND I DO NO RECOGNIZE THIS INACCURATE INFORMATION ON MY REPORT. SEE THE ATTATCHMENTS.
Product: Credit reporting or other personal consumer reports

What happened : IDENTITY THEFT REPORT NUMBER 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 , and the Experian Credit Reporting Agency XXXX as well as XXXX XXXX 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX, under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under account 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 XXXX  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 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 card or prepaid card

After successfully referring a friend to open an American Express Blue Cash Everyday card ( from my account ending in XXXX ), I was informed on XXXX XX/XX/XXXX that I had earned XXXX reward dollars, as expected. 

It is now XX/XX/XXXX and despite having spoken to customer services several times over the past two months - who agreed I was owed XXXX and assured they were working on it - I have still yet to receive the credit.
Product: Mortgage

We have been trying to do a short sale on our home for quite awhile now. Originally the short sale was countered by XXXX XXXX XXXX with no requests for contribution and the Investor previously did not asked for a promissory note. The loan servicing was transferred to Seterus and now the Servicer is asking for a promissory note for an additional XXXX which supersede the amount owed on the First Mortgage. The purchase price is XXXX, the balance owed on the First mortgage is XXXX plus late fees and attorney fees. The Servicer/lender has not paid the property 2014 taxes which they are obligated to do as per their servicing agreement and they also refused to pay the FULL back HOA dues. This request for a promissory note seems to be a common thing from Seterus on short sales. Please review their prior closed short sale files for verification.
Product: Debt collection

I HAVE MADE PAYMENTS TO 2 PORTFOLIO RECOVERY ACCOUNTS EVEN THOUGH THEY WERE NOT MINE. I WAS TOLD THAT IF I PAID THE ACCOUNTS THEY COULD BE REMOVED FROM MY CREDIT REPORTS WHICH WAS CLEARLY INACCURATE INFORMATION. I HAVE DISPUTED THE ACCOUNTS AND SENT 611 LETTERS TO HAVE THE ACCOUNTS REMOVED BECAUSE THEY WERE NEVER MY ACCOUNTS. MY PERSONAL INFORMATION HAS BEEN STOLEN ON SEVERAL OCCASIONS. THEY SENT A LETTER SAYING THEY ARE VERIFYING IT'S MY DEBT BUT IT ISN'T AND EVEN AFTER IT BEING PAID THEY STILL REFUSED TO REMOVE IT. I HAVE REPORTED FRAUD ON MY ACCOUNT BUT THE SITUATION STILL HASNT BEEN RESOLVED. I EVEN OWNED UP TO THE DEBT IN AN EFFORT TO GET IT REMOVED ALL TO NO AVAIL. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some account. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from 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
Product: Vehicle loan or lease

Dear sirs, I purchased my vehicle from Carvana around XXXX/XXXX/XXXX, Ive not received my tags and registration to the vehicle by XXXX/XXXX/XXXX and contacted the office being my temporary tags were due to expire XXXX/XXXX/XXXX. 
The rep advised I should be receiving my tags by mail any day. By the time XXXX/XXXX/XXXX came, my temp tags are expired. I contacted carvana again and was advised by rep XXXX they should have come XXXX XXXXnd the rep will follow up with the department that handles the tags and contact me back. 
I received a voicemail on XXXX/XXXX/XXXX stating my tags were mailed out on XXXX/XXXX/XXXX and I should have received them by now., if not Im to file a police report and contact local DMV for replacement. 
I contacted the office back and talk to XXXX the operations XXXX, she informed they were indeed mailed out on XXXX/XXXX/XXXX, NOT XXXX and the next steps was to file a police report for lost or stolen tags, and contact XXXX, however, I have called numerous occasion, even prior to my temporary tags being expired and was NEVER informed this needed to take place, I was also informed they should be recieved by XXXX by another rep now Im being told something conflicting by the XXXX. 
I work 10/11 hour days and dont have the time to go to multiple entities to obtain my tags to a vehicle when Im under the impression the Car Dealership has processed. This experience has been extremely frustrating, not to mention I 'm at risk of receiving a ticket based on my expired tags. I have not come to any resolution with Carvana, I do n't even know if they processed the tags and registration.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are stating that Prestige financial has undergone an investigation into my credit report and everything has been accurate, I would like to know how is that possible when it was inaccurate with the open dates, the reporting dates, the payment history and more was all inaccurate back on XXXX when I started my initial investigation. I also submitted a XXXX reinvestigation and was still not sent all validating information. This ground for removal and they have also violated by rights under the 15 U.S.C 1681 Section 602A. I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

Prestige Financial has also taken over 90 days to complete my 1st investigation along with my second attempt XXXX. They have still not sent all information that has been requested. 

They have continued to respond stating that they " verified the information ''. Being that Prestige received my dispute back in 2020 via Mail and Online they were well aware of my dispute and decided to disregard my dispute AND ignore all my request for validation. I have continued requesting full documentation in connection with this alleged debt, Validation, and documentation. IT HAS NOW BEEN OVER 90 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. This account needs to be removed from my credit report immediately being that it is inaccurate and violates laws.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

I continue to receive debt collection letters from Frost Arnett. They give no information regarding what services they are collecting for. I've contacted the hospital in question and they have no reference of the account numbers Frost Arnett uses nor does the hospital show any balance for the dates or patient listed. Additionally, the hospital shows no record of any request for Frost Arnett to collect on my account.
Product: Mortgage

I applied for a repayment plan/modification plan in XXXX, XXXX and XXXX and XXXX. Ihave been told that documents are missing. I repeatedly submitted documents. I submitted them again on XX/XX/27 and XXXX. Now there is a pending sale date. Without review of my application. All documents requested have been submitted, they are submitted in separate emails because of size.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance has reported inaccurate information to all three credit bureaus regarding a loan which was settled. 

I have made several attempts over the last few years, but I received no resolution. I would be on hold for unreasonable amounts of time or given the run around. 

According to the fair credit reporting act, if inaccurate information is discovered in my file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 

They have left the note of being disputed on my credit report, but no resolution.
Product: Debt collection

After reviewing my latest credit report, I identified several accounts I believe were added without my permission and are incorrect. Please block and remove these fraudulent accounts from my report immediately.
Product: Consumer Loan

In XX/XX/XXXX Honda financial double posted my payment. Once they credited my account, I paid them again. I was promised everything was ok and I had nothing to worry about. Well, XXXX XXXX I received a call while I was sleep 3 days after XXXX. I was told my account was past due. I explained what happened and the lady kept telling me I owed the money. My bank gift involved. The lady was waiting on documents from them showing the payment went through my account. She said she never recovered it, so I had to send her screen shots of my account then she called me and said she needed the before and after balance. That to me was too personal and I was n't happy. Well, they sent my account to the credit b stating I was over 30 days past due. I was furious because my boyfriend is the cosigner. 
I kept calling the corporate office for the VP that sent the letters to the customers apologizing for the mistake but he never called back. Well, I finally spoke with a finance manager, he listened to the complaint and had someone call me a few days later. Well, after speaking with the manager that called me, he told me he would write off half of my monthly bill once I made my payment. I made my payment on XX/XX/XXXX because it was due XX/XX/XXXX. The manager followed up with me this past Tuesday and said the balance was being written off because he seen my payment. Today My boyfriend received a message to call back. I ended up calling and spoke with a lady named XXXX, she told me I was 7 days late. I am furious.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing was sent to me to legally verify the past due balance reporting for this account XXXX XXXX Acct. No. XXXX. Because the past due balance reported by Experian, XXXX and XXXX are different, which means the account has not been properly verified legally.
Product: Payday loan, title loan, personal loan, or advance loan

I went on a XXXX day cruise through XXXX at the end of XX/XX/year>. I believe it was the XXXX. The cruise was financed through Affirm. On the ship I had a terrible experience, my luggage was misplaced and was broken when I found it myself in a crew area, the TV in my room was broken for XXXX of the XXXX  days, the bed was so hard it was painful to sleep more than a few hours and the ship never fixed it other thank adding a blanket to the XXXX to " add cushion '' even though they had offered to replace the XXXX and I agreed but they never did. The attractions were closed on the ship on all days while at sea. Eating areas were constantly closed for private events. The room was dirty and smelled sudbly like vomit. The toilet was leaking on the floor of the bathroom. It was a very very poor experience. I was told by XXXX to contact them regarding a refund AFTER the cruise, which I did on XX/XX/XXXX. I was told by XXXX that they fixed my issues and since I was calling after the cruise they couldn't help me. I was lied to and sent to the wrong place at the wrong time by customer service on the ship. I then tried to dispute the charge with Affirm but they're refusing to accept the dispute claiming the merchant followed their return policy. It seems like Affirm is missing the entire point, i got a product that wasn't at all close to what I was told I was purchasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the  XXXX  on  XX/XX/2017    to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required
Product: Checking or savings account

I would always be charged overdraft fees even though I had asked then to not to approve if I did not have the funds. This was on a Wells Fargo account and I even proceed to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX, XXXX XXXX, Equifax have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX acct # XXXX NO CONTRACT XXXX XXXX is using my identity and saying that I owe them this is fraud According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy ; The Right to Financial Privacy Act of 1978 15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

reporting adverse information has affected my livelihood, causing me to be oppressed 1006.6 code of federal regulation states that a debt collector must not communicate, in connection with the collection of any debt, with any person other than consumer 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.

15 U.S. Code 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection 15 U.S. Code 1681b no written instructions of the consumer to whom it relates.

Credit bureaus not letting me know how my credit information is being used is a direct violation noT the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off a truck loan ( XX/XX/XXXX ), activity was reported on XX/XX/XXXX and XXXX dropped my credit score 23 points without reason or explanation. I called XXXX  XX/XX/XXXX @ XXXX to inquire and XXXX, the customer service representative acknowledged that she don't know or understand why. As an XXXX American male I've been a victim of this kind of discrimination for years and I need answers.
Product: Debt collection

Jefferson Capital System is stating I owe them money and showing in collection on my credit file. This is identity theft and I have no knowledge of this account nor have I signed a contract or anything showing my signature with Jefferson Capital System. This is fraud and should be deleted off credit files and account closed and removed.
Product: Debt collection

shortly after multiple fraud incidents, I was contacted by a loan/ check casher known as " Easy Money, '' In XXXX TN, about a check that bounce in which I owed them money. The man who committed fraud is the man who made me cash the check, shortly after having a verbal disagreement with the company I started receiving threats in the community, and over the phone. There was a pretend telemarket collect call, this man named XXXX XXXX ( may have lied about his name ) sounded similar to the man who made the call. This man pretended to be the American government and threatened to murder my family. Easy Money hired XXXX XXXX ( may have falsified his name ) to seek after me about the verbal disagreement and to have him hurt me, this man XXXX me, and I have yet to be able to solve the issue. This man was reported, but I can't get in contact with anyone about the issue. I know that they collaborated due to the degree of the crime. He sought after me for the company, and there is debt to pay ; there are issues blocking me from paying the debt. I am complaining about the severity of the threats by the company. I do have my own bank statements, showing the failed recovery of the debt, but that level of retaliation is unnecessary. My life isn't to be threatened.
Product: Debt collection

I have tried to fix this with discover card they said they done a investigation and still hold me responsible I can't find my bill there is XXXX.dollars I think I should not have to pay I don't remember the charges for my self.