23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently : - XXXX XXXX XXXX for {$7600.00} - XXXX XXXX XXXX for {$1200.00} - XXXX XXXX for {$1100.00} - XXXX  XXXX   XXXX for {$1100.00} - XXXX XXXX XXXX for {$830.00} - XXXX XXXX for {$260.00} - XXXX XXXX for {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SS : XXXX DOB : XX/XX/1990 Account- Nissan Motor Acceptance Account # XXXX After Moving from XXXX , IL to XXXX , Arizona I recently reviewed my credit report in order to obtain a mortgage on a home and I noticed several inconsistencies and inaccuracies regarding the account NISSAN MOTOR ACCEPTANCE. These can not be accurate. The name on the account is not me. I am XXXX XXXX NOT XXXX XXXX. Also these accounts appear to be furnished by the same creditor so why is all the provided data different? Delete ALL information regarding this account from ALL credit reporting agencies WITHIN FIFTEEN 15 CALENDAR DAYS you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature on it- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY
Product: Debt collection

Conns Home Plus collections calls my wife and I everyday twice daily or more on Sundays and Saturdays and Holidays.I have requested of them not call my home because of my wife is sickly and not call while I am at work. I asked them to call me after XXXX. I have explained to them that I am only two weeks past due and please stop harassing us I told them how my Job shut down for two week and I had to file Unemployment for those weeks. and my job called us back to work but that I will be behind. Even when I give them a day that I will make arrangement the pay.They still call and ask for my Credit card number or Post dated check. 

This Company refuses to give me an address or email to file a compliant.This company is the most unreasonable company I have ever dealt with.
Product: Credit reporting or other personal consumer reports

XXXX provides me with information on my credit report that is incorrect, inaccurate information! 
XXXX account # XXXX Date open : XX/XX/year> XXXX XXXX : {$300.00} Highest amount {$440.00} Called with a good faith call to have it removed, with no success! 
This fraudulent account has been hurting my credit health for years. 
This is not my account, I have never had any such knowledge of this account! 
15 USC1681b Note : unfortunately at the time of the card being opened I was in fact incarcerated for past blunders!
Product: Payday loan, title loan, or personal loan

This is a matter of identity theft. Someone that is not me applied for and received an installment loan to make a purchase at a jewelry store. This was not the first instance of identity theft I had been dealing with, so prior to this fraudulent application being submitted, I had placed a fraud alert on my credit file with each of the XXXX credit bureaus. The fraud alert clearly states that there is suspected fraudulent activity and any potential lenders must call me directly by telephone for further identity verification. I received no such phone call from Acima. 

I contacted Acima and they were utterly dismissive. This company failed to perform simple due diligence even when provided with a clear warning. I allege that this lender is not concerned with these types of situations, and may even welcome them based on the ridiculously easy application and approval process - that and the process in which funds and merchandise are exchanged only bolster my suspicions. The funds are not transferred to the applicant ; the lender contacts a chosen retailer directly to complete the monetary transaction - the applicant may not even be present for this. The lender purchases the merchandise and the applicant picks it up at their leisure. It seems the retailer in this instance failed to perform even the most cursory of identity verifications as well. The opportunity for collusion between retailer and lender is glaring in my opinion.
Product: Checking or savings account

I opened a bank account with Citizens Bank online on XX/XX/XXXX under a promotion to earn up to {$400.00} after certain requirements are met. First threshold was a direct deposit of {$500.00} within 60 days to get {$300.00}. Second threshold was to get {$2.00} for every debit transactions up to {$100.00}. I met both requirements but did not get the bonus. 

I contacted customer service via the phone 2 times and follow-up with chat messages. Via a phone call, a Citizens Bank agent claimed I was not qualified for the {$300.00} because the direct deposit came from a credit union. Via email, a Citizens Bank agent claimed I am not qualified to receive the {$100.00} because I must not be a primary signer on a previous Citizen Bank within 6 months and their record showed I have an account X months ago. The last time I have a Citizens Bank account was sometime in XXXX. Based on the bank account activities, I should be entitled to the {$400.00} bonus. 

Link to promotion : https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have as morgage company a corrupted company bank. XXXX XXXX managed by XXXX  XXXX  servicing they were to be my mortgage lender on XXXX when they and right away started to sending me paperwork for a foreclosure and I asked them to showed me proof if the mortgage month missed if they will i will pay you but they never did. they started the harassment every month they charged for a late fee until last year around XXXX of XXXX my daughter gave me some money so I can stop the harassment they charged me {$1500.00} or more for late fees and a month. they claimed I owed. so they stopped the harassment now when I tried to get a refinance the other bank see all the late months and they are denied my refinance they see all the late fees XXXX XXXX  servicing claimed I owed on XXXX of XXXX XXXX XXXX  XXXX on one of the credit report they stated I never missed a payment and I was late in one or two months but never behind NO PAYMENTS MISSED you can checkout it so why XXXX XXXX servicing charged me for 20 or months of late payments i made a complaint on XXXX and XXXX of XXXX through the Experian the credit report agencies but they didn't care i made a complaint here actually the second one and one of the 1000 or more I did before for the same issue. collecting money than wasn't owe XXXX XXXX covers his criminal activity by hiring another corrupted criminals company as XXXX XXXXe servicing they robbed me they harassed me they took advantage of me it's some kind of crime couse they CAN!!
Product: Payday loan, title loan, or personal loan

Upgrade has put my loan in past due status on XX/XX/XXXX and I already made my payment on XX/XX/XXXX and I dont want this hurt my credit and they said they will fix it because I accidentally change my due date and I want to be due by XX/XX/XXXX not XX/XX/XXXX and there is glitch on there end and I want them to fix it and take the past due status off my account Im not late
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally report and dispute unauthorized accounts that have been fraudulently opened under my name. On XX/XX/year>, while reviewing my credit report through XXXX Credit Bureau, I was shocked to discover that three accounts had been opened at Chase Bank without my knowledge or consent.Upon identifying this fraudulent activity, I immediately attempted to contact Chase Bank for clarification. However, my calls were repeatedly transferred between departments, and eventually, the calls were disconnected without providing any resolution. As a result, I filed a dispute with XXXX Credit Bureau, yet Chase Bank responded by stating that the information was correct. While the personal details may be accurate, these accounts were opened fraudulently, constituting a clear case of identity theft. 
Details of the Unauthorized Accounts : The accounts were opened at XXXX, DE XXXX, a location I have never visited. 
I have no relatives or connections in this area. 
Two accounts were opened and closed without my knowledge or consent. 
The third account remains open with a balance of {$220.00}, which I am not responsible for. 
This fraudulent activity is a serious concern as I have been diligently building my credit history for the past eight years, and these unauthorized accounts negatively impact my credit score and financial reputation. Requested Actions : Immediate removal of these fraudulent accounts from my credit report.

A thorough investigation into how these accounts were opened without proper identity verification. 
Written confirmation that my credit report will be corrected and that I am not responsible for any charges related to these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX  Balance : {$970.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00}
Product: Debt collection

This is my sisters acct how is my name on this? i called XXXX which my sister has and the collection name and they have no record of my ss # or name and cant help me .they ( XXXX ) they did not have a # for Trident the collection agency to give me .they told me that XXXX is taking care of the accts and XXXX does not have any info on me XXXX did say that XXXX is the acct they have on file which is my sister XXXX XXXX.I want this blemish off my record and an explanation of how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a previous complaint against Chase bank regarding account ending in XXXX. My identity was stolen and there was a chase bank card opened under my name. I sent in my police report with all the information. Chase bank proceeded to tell me that they are finding the account valid due to payments coming out of my checking account. They have 4 different checking accounts listed making payments. 2 which are on my police report as fraudulent and 2 which I have never heard of. They stated that there were payments made out of XXXX XXXX  ( which are on my report as fraudulent ), and the signature on the bottom of the check does not even match mine, a bank named XXXX which I have never owned and XXXX XXXX  which I have never had an account with. I asked for proof of these accounts and if they showed my name. You can see from the copies I have attached that the name on XXXX does not belong to me nor is it the same business name or address with XXXX   number. I have also requested that the charges on the card be investigated and they have refused to fulfill my request. This account was not opened by myself. My identity and all personal information was stolen to open this and other accounts as they have seen on my police report. I want the charges reviewd and I want to know how you can hold someone responsible when the payments are not even coming out of an account that belongs to me. This needs to be addressed immediately
Product: Credit card

I went online to see when a payment was due for my credit card that I hadnt used since XX/XX/2XXXX because I wanted to pay it off. I noticed several charges starting from XX/XX/. All of the charges were from XXXX XXXX and XXXX. Many were charged on the same day in the same stores but different locations. All of the charges totaled over {$600.00}. I reported the charges and a so called investigation was done and determined that the charges were mine. I appealed the decision and was emailed the same day within hours of my request that the decision was being upheld. I received no explanation of how this investigation was done or how the decision was made despite asking. Typically credit card companies recognize unusual spending habits and you are alerted. My car was dormant for seven months except for payments and suddenly its active and being used erratically at convenience stores. That in itself is a red flag. I have a personal loan with this same credit card company Avant. Payments are made every month on time. I am not getting any help from them. Once this is resolved, Im paying this card off and closing my account.
Product: Credit card or prepaid card

I transferred {$300.00} FROM my XXXX account to an external account on XXXX, confirmation # XXXX, and it still isnt showing up in the other account as of XXXX, but it WAS taken out of my XXXX account on the same day I made the transfer. 

XXXX made first call, was told to wait 3-5 business days. 

XXXX made second call, was transferred from person to person, until finally a member of their executive team spoke with me, and said I would be receiving an email regarding trace # XXXX, Ive yet to receive said email. 

XXXX called again, transferred multiple times, then finally to a member of their executive team, to be told theyd look into it. 

XXXX still no email re trace number I was given on XXXX XXXX called again, spoke to XXXX at XXXXXXXX XXXX via live chat. He then phoned ME at XXXX. Assured me that he would send an email. 

XXXX received an email from XXXX with a reference number of XXXX, and a request to reply to that email with a screenshot of the trace number that I was given previously. I replied to that email, explained again that I was never sent an email regarding a trace number, that the trace number was given to me via telephone call. I included the trace number, along with a copy of the confirmation I received on XXXX when I originally made the transfer. 

XXXX called yet again to try to get this matter resolved, and still nothing.
Product: Prepaid card

My card was duplicated to make fraudulent transactions, bank of America refuses to believe me or to refund me my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes my dispute relates to all three credit reporting agencys. But the most troubling is XXXX. Igor instance we can look at an account on my report under university  XXXX XXXX. I just got off the phone and the multiple representatives I spook with said this account has been verified accurate but the university. But according to paperwork sent to me by the university its inaccurate. Ive disputed the account numerous times. They have yet to correct the issue. On top of this Im unable to get my free annual report. They are mailing my dispute results to my current address and previous address with different names on the report. Im getting mail forwarded. Ive tried to tell them there is an issue with this and they have not been willing to help. This is really affecting my quality of life. This university XXXX XXXX account has been given to a collection agency even though I was first enrolled in XX/XX/XXXX and later in XX/XX/XXXX both of the dates should fall into the lawsuit with them. This account is only showing a charge off EVERY MONTH SINCE XX/XX/XXXX. Its being updated in a way to appear newer in my report than it is. XXXX is impossible to deal with and Im getting tired of not getting help.
Product: Debt collection

" Portfolio Recovery '' has reported false and unverifiable debt to all three Credit Bureaus on XX/XX/21. Portfolio Recovery has failed to contact me about the " supposed '' debt, has reported a false account opening date, a false amount owed, placed false late payments, and falsely reported an account as " new '' that does not belong to me. 

These actions are illegal and a lawsuit will be followed up in 15 days if not removed immediately.
Product: Credit reporting or other personal consumer reports

I received an email from experian that they would begin using my credit information to sell to other companies for advertising purposes. The email contained a link to opt out. The opt out link directs me to an advertisement for experian 's premium paid service for credit monitoring. There is no way to opt out. I want to OPT OUT of ALL COMMERCIAL SERVICES FROM EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : In viewing the documents I received from the furnisher that are relevant to the credit entry you report on my credit file, I noticed inaccurate reporting on XXXX behalf. 

The terms of this particular credit entry that you have been falsely publishing for more than five years are not the same terms that were in this original contract. The terms for this entry was 72 months yet you have been incorrectly reporting the term as 81 months. The furnisher, XXXX XXXX, has also certified to me and the CFPB that the terms were 72 months. The documents have the same furnisher name and account number of : XXXX. This is not two installment contracts, only one. This would completely change the entire loan structure with terms that you entered compared to the true accurate terms on the documents. The FCRA requires that credit bureaus must report information with 100 % accuracy in which you are not. 

Experian has been lying and falsely verifying this incorrect information as accurate after more than 8-9 disputes ; Experian never conducted any investigation into my disputes as the furnisher provided to me the entire correct accounting history for this credit entry and it coincides with the inaccurate data points that Experian continually verified as 100 % accurate. 

In the Federal Civil case of XXXX XXXX vs. XXXX XXXX, case No. XXXX, The attorney that represents XXXX XXXX has stated to me at pre-trial discovery that her client did not request Experian to publish this information and that Experian alone has subjectively falsified and published this information solely on their own. The legal representatives name is XXXX XXXX XXXX. Her law office is called XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX. Her phone number is : ( XXXX ) XXXX, and email : XXXX XXXX XXXX 

Refusing to correct inaccurate information, or removing the account from my file after being notified multiple times places you in violation for non-compliance. Please correct or remove this account from my credit file due to false and inaccurate reporting. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, and to be provided no later than 15 days of the completion of your investigation. 

Any Automated response XXXX verification is unacceptable. I am requesting a true investigation and your Method of Verification.
Product: Debt collection

Previous complaint # XXXX was filed, but apparently you have no record of this company. The amount they are attempting to collect is {$120.00}. {$70.00} of this claim was resolved by XXXX XXXX dispute resolution. The other is apparently a {$50.00} paperwork fee of some sort? No product of any type was ever furnished and the on line agreement was canceled using their pre printed cancellation form within 7 days of an on online enrollment form. The purpose of this company is to supply high priced prescription medications not covered by XXXX XXXX XXXX or insurance. They never furnished any meds to me. I do have the XXXX resolution documents, but for whatever reason I ca n't upload them -- -- jpg?
Product: Mortgage

I was owed {$1300.00} from Loancare for an escrow payout. The first check I received they placed a stop payment on and I was charged {$15.00} by my bank. They now owe me {$1300.00} dollars. They continually send my check to the incorrect address, misspell my name on the check, make the check out for the incorrect amount. This has been going on for over 2 months. Their customer service is nonexistent. I have never experienced anything like this that has compelled me to file a complaint.
Product: Credit card or prepaid card

Background : I've been a Citibank credit card account holder since XXXX, and it recently came to my attention that I'd been enrolled in their " XXXX XXXX '' program unbeknownst to me. This is a program that, to the best of my knowledge, I've never agreed to participate in, but have nonetheless been subject to, exposing me to years of monthly fees totaling in the thousands. Over the past months I've contacted Citibank on numerous occasions requesting proof that I willingly enrolled in the " XXXX XXXX '' program. In each instance no such proof could be relayed by phone, only a promise to share such details by mail. I've since received two identical letters ( one of which I'm including in this complaint ) suggesting that I enrolled in the program XX/XX/ with no evidence to support my authorization ( something that was promised when speaking to Citibank representatives by phone ). What's more, when speaking with Citibank representatives I was assured this was a program I would have had to proactively enroll in, suggesting that such proof of consent exists. Still, no details have been offered. As far as I can tell Citibank fraudulently enrolled me in their " XXXX XXXX '' program, collecting monthly fees I never authorized and has placated me in all attempts to refund said monies. 

XXXX Update : Citi 's response to my complaint lodged through the CFPB is their latest attempt to further placate me. They've provided no additional evidence that would prove I willingly enrolled in the XXXX XXXX program, only suggesting that my activation of the card was consent enough. What's more, they included a veiled threat to alert ratings agencies of any delinquent payment activity due to the dispute, despite the fact that my account is in good standing. This was a boilerplate response that aims to dissuade me from any further action.