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

I received an email from XXXX stating that there were changes to my credit and it showed that my account with Comenity Bank/Express had changed. I logged on to Express.com and it showed that I had a 0 credit limit and my account was closed. I was instructed to call ( XXXX ) XXXX. When I called and entered the last 4 digits of my SS #, it informed me that my account was closed and no further questions could be answered. I then went online to Comenity Bank.com and called ( XXXX ) XXXX and spoke with a representative of Comenity, who told me that a letter was sent to my currently address on XX/XX/2021 regarding the close of my account and that there was nothing she could tell me further regarding the close of the account. I informed her that I haven't even received a letter from Express before the account was closed and that today 's date was XX/XX/2021, so how could they close my account without even giving me proper notice. She told me she could not speak on that and I would need to wait for receipt of the letter. My Experian FICO Score is XXXX, and both XXXX and XXXX reflect XXXX. I have had the account with Express for almost 2 years and have paid the account in full. Why would they just close my account without notifying me first, at least via email, which they didn't and not explain to me why?
Product: Credit reporting or other personal consumer reports

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 Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an installment loan account opened at XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account # XXXX, an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and an address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent accounts and addresses appearing on my consumer XXXX credit report. I've attached a list of the fraudulent accounts and addresses 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 XXXX 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

I noticed in late XX/XX/XXXX early XX/XX/XXXX a charge for {$420.00} on my account that I thought was a billing error since on or about XX/XX/XXXX I ordered something for {$420.00} from the exact same company. I contacted the credit card company immediately and they told me it was actually another charge, I explained I did not order anything else and disputed the charge. I called back to follow up after the 30 days and was told they credited my account already, I never heard another word until I noticed on my XX/XX/XXXX statement without a letter email any notification that they had charged the {$420.00} back to my account, I again called immediately XX/XX/XXXX when I seen it and spent exactly 1 hour and 5 minutes on the phone after my 3rd transfer with no answers I got someone in the fraud department who also didn't know anything but said he would dispute it again, however 2 days later I got a letter stating I was responsible for the charge with no explanation as to why, I then called again XX/XX/XXXX when I got the letter no one was able to help me and said the investigation was over and I will have to pay for it, but they had no further information as to how the decision was made, I asked for all the documentation on the charge they told me to contact the company that company that charged it on my card, I said I did that but since I had NO information for them to locate the order ( since it wasn't me ) like who ordered it when what it was the name address phone number used they were not able to help me that is when I assumed my cc company would HELP me their customer but I was apparently wrong!
Product: Credit card or prepaid card

I was flying back home from XXXX XXXX and due to traffic I arrived to the airport only 45 minutes prior to the flight departure. My reservation was made with XXXX but the first flight out of XXXX XXXX was on XXXX XXXX XXXX that is a partner of XXXX. XXXX XXXX XXXX refused to accommodate us on the flight or to give us any other option and directed us to call collect XXXX. 

XXXX gave us some flight options that all cost more than the ticket itself slamming XXXX XXXX XXXX for the cost. One lower cost option was to fly the same night and the representative quoted us a total of {$660.00} for our reservation of two. I even confirmed that total amount before giving my VISA card number to be charged. 

A few days after returning to the US I saw two charges of {$660.00} each instead of one. I called XXXX and they were very defensive stating the representative meant {$660.00} per ticket and that is right. I challenged them about the charges but they totally refused to drop one charged and provided some electronic vouchers instead. 

So I turn to my VISA card thru Chase to dispute these charges. What I heard back is that they checked with XXXX and the charges are valid and I have to pay. I resubmitted a new request explaining in detail the circumstances and emphasizing the fact that I did not authorize a second charge of {$660.00} and XXXX should be able to check the recordings of my conversation with their representative. In the end I received another letter from Chase stating that " While you may have a valid complaint with the merchant, the results of our additional review confirms that the transaction is valid and no billing error occurred on your account ''. There was no details of what exactly they reviewed and how. 

Since these charges were never put on hold while Chase was conducting the investigation I felt that I have to pay them in order to not accrue interest charges. Honestly I feel robbed by Chase VISA card for not supporting me in a charge that i have not authorized. There must be a recording of my conversation with the XXXX agent to prove I am right but neither XXXX or Chase want to pursue that path. Maybe because my card is a XXXX XXXX XXXX Chase VISA card?
Product: Credit reporting or other personal consumer reports

XXXX, XXXX This is my fourth attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. I have summited all the required documents including : XXXX ) POLICE REPORT XXXX ) IDENTITY THEFT REPORT XXXX ) PROOF THAT I WAS UNDER XXXX XXXX XXXX ) PROOF THATI WAS XXXX XXXX ) PROOF THAT I WAS LIVING IN XXXX XXXX  UNDER SUPERVISION UNTIL XX/XX/XXXX and then in XXXX until XX/XX/XXXX XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card, get a phone, or open a business, let alone buy a car when I was in XXXX XXXX and then a XXXXXXXX XXXX and XXXX XXXX living in XXXX  XXXXXXXX XXXX XXXX  XXXX Once released I moved to XXXX with my wife unitl XX/XX/XXXX. I have my tax returns to prove it. My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my XXXX  and all during my time in XXXX  and XXXX XXXX. He has admitted having stolen and used my identity and he is now on the run with a XXXX  for his XXXX. There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX XXXX or XXXX XXXX without having to go through my XXXX  XXXX. The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is : - XXXX  XXXX account opened in XX/XX/XXXX. Amount {$2400.00}. Business Credit Card I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a notification from XXXX XXXX XXXX  on a credit inquiry request. 
See below New Inquiry detected on your credit file XXXX, the following change to your credit file has been detected. 

Change : New Inquiry Company : XXXX XXXX Reported by : Equifax I had never made such a request from the company, XXXX XXXX. I called XXXX XXXX XXXX number in their credit request phone number. I gave my name and current address. Nothing came up. The representative listed sister companies where I may have applied for credit. From my knowledge, I have not applied to any. They asked for my social security number. Owing to the fact that I had never heard of the company, I elected to not give my social security number and hung up. 
I called XXXX XXXX  on the following Monday to report the incident. I talked to a representative on Tuesday who provided the information to inform which relevant parties to inform. 
No other steps have been taken from my side.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX, Date : XX/XX/XXXX inquiry with XXXX and XXXX, Date : XXXX  inquiry with TransUnion as I did not authorized the inquiries. The first dispute letter was sent on XX/XX/XXXX and the second on XXXX Afterwards, I disputed the same inquiry online. They responded to the online dispute by stating they were able to verify this inquiry. 
But how is that possible? 

XXXX ) I did not apply for credit from XXXX and/or XXXX on XX/XX/XXXXXXXX 

XXXX ) I did not receive nor was I denied credit from XXXX and/or XXXX on XX/XX/XXXX. 

To assist the bureaus ' further investigation, I attached the screenshots of my customer account with XXXX, which clearly shows that I do not currently have and never had any credit account before with this company. Moreover, the screenshots also show NO pending or NO DENIED applications for any credit product they currently have. 

Moreover, on the same day of the inquiry, XX/XX/XXXX, I contacted the XXXX XXXX Department ( XXXX ) and informed about the unauthorized inquiry on my credit report, telling them that I did not apply for a credit card with their company. Since then, they havent done anything, thus violating my rights under FCRA. 

Please see attached the disputed inquiries as well as screenshots from my XXXX account.
Product: Credit reporting or other personal consumer reports

Thank you for correcting some of the errors in my credit information. However, there remains an account that needs to be addressed and removed. This new complaint concerns incorrect information in my credit report. The account I am disputing is unrelated to any transactions for goods, services, or money that I have made or authorized. Please remove the erroneous items from my credit file due to these inaccuracies. The specific items are : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep disputing this inquiry from XXXX/XXXX XXXX XXXX XXXX XXXX that has an inquiry date of XX/XX/2018. They claim that the inquiry belongs to me and they are completely wrong, I contacted the original creditor and they provided me with a few pictures, and the pictures show that the social security number on the original creditors system isnt my social security number. Please Experian, take a look at these pictures and see that my social security number doesnt match the social security number thats on their system. Please delete the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 US 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF ED XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX BANK, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF EDXXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

This loan was originated XX/XX/XXXX as non-escrows and with a fixed mortgage rate. I have always maintained by own insurance and taxes as it was required. XX/XX/XXXX my payments increased. For months I attempted to find out what caused the increase but I was unable to get anyone to explain. After many calls XX/XX/XXXX I was told the increase was caused by a negative escrows due to Nation Star disbursing a premium for Flood Insurance. Because the payments had increase by more than {$150.00} a month I was unable to make the higher payment, especially without a clear reason as to what caused the increase. XX/XX/XXXX I was told that once the loan was current the account would be anaylzed and the payments readjusted to the original which was {$490.00}. After reinstating the loan to current XX/XX/XXXX Nationstar did not re analyze the account but instead said that I had a laspe in coverage and for that reason they added the escrows lines for taxes and insurance, On XX/XX/XXXX in a 3-way conversation with XXXX who identified herself as a supervisor in the escrows department at Nationstar, my agent XXXX from XXXX and a represetative from XXXX. It was confirmed that there had never been a lapse in Flood coverage. As a result of this conversation XXXX whose contact # she provided XXXX promised the account would adjusted back to its original payment. That was done. On XX/XX/XXXX I received a letter from XXXX XXXX from Nationstar Research and Response Department denyng my request to have the escrows removed. ( see attached ) The letter gave the process of appeal for their decision which was to show proof of coverage for the time period stated in the letter from XX/XX/XXXX to XX/XX/XXXX. As requested I provided proof of continueous Flood coverage from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX. ( see attached policies ). In addtion to the insurance line being added, Nationstar also added taxes. Nationstar did not give me time enough to pay my XX/XX/XXXX taxes before they paid them. Yes I agree I was late in paying them, they were due XX/XX/XXXX and Nationstar paid them XX/XX/XXXX but I had every intent on paying them with the late fee if given the chance. To date Nationstar has not removed the escrows lines and my payments have not been adjusted accordingly. This increase was caused by an error of Nationstar. As a result my payments were increase by nearly $ XXXX monthly and this has caused a financial hardship.
Product: Mortgage

Wells Fargo send me a letter, the reason I could not refinance my loan supposedly not enough assets. I do have enough money into my account to pay for settlement. I have try to reach out to XXXX XXXX XXXX XXXX what other options I have for refinancing my loan, no returned calls have been made. I have XXXX skip payment for this month, and the money that is in the bank is for settlement cost if they decide to settle with me.
Product: Checking or savings account

I disputed an unathorized charge on my JP Morgan Chase checking account for {$630.00}. Weeks later the provisional credit was reversed stating that I authorized this charge and I did not. I contacted the merchant with Chase rep and they told them it was a cancelled order ; A cancelled order that I also did not authorize. The Chase rep stated they could not do anything even with the statement from the merchant. I tried to dispute this for several days with no assistance from the bank and continued denials. After two weeks If disputing Chase closed my account for no reason. A rep said that it was there decision and there was nothing that I can do. BEWARE OF JP MORGAN CHASE UNLESS YOU WANT YOUR FUNDS TO BE STOLEN!!!!!
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, we leased a new XXXX from XXXX XXXX in XXXX XXXX, Florida. As part of that lease, we traded-in another leased vehicle that was leased through Bethpage Federal Credit Union ( BFCU ), from XXXX, New York . BFCU erroneously reported our last lease payment ( from XX/XX/XXXX? ) on the old vehicle as late. After failed ( denied ) attempts to dispute this information with all XXXX major credit reporting agencies on XX/XX/XXXX, we submitted, via US certified mail, a letter dated XX/XX/XXXX, for BFCU to investigate their reporting of the late payment. This reporting caused our otherwise excellent credit scores to drop nearly XXXX points directly as a result. On XX/XX/XXXX, I received an e-mail from BFCU indicating their investigation, reference # XXXX, " determined an amendment to the information being furnished is warranted. We have requested the agencies update your credit profile to remove the negative reporting for XX/XX/XXXX. '' and then they stated " Please be aware that although we have submitted this update electronically, the agencies may take XXXX ( XXXX ) to XXXX ( XXXX ) days to reflect the amendment on your profile. '' I replied to their e-mail on XX/XX/XXXX stating that it had been more than XXXX  days and the negative information is still being reported to all XXXX credit agencies. Their automated system replied that I would hear back in XXXX days or less. Today is the XXXX day and I've heard nothing. I've sent them another e-mail today however I can not wait any longer as it's been nearly XXXX  days since my initial reporting to them and nearly XXXX months since this whole issue began to fix their error. I am attaching the e-mail chain with BFCU and a screenshot from my XXXX credit report ran today, XX/XX/XXXX, that still shows the delinquency AFTER the account was closed!
Product: Debt collection

I am getting daily calls from CBE Group. They always call from a XXXX number but the last four digits are always different. They never leave a voicemail. I 've received nothing via postal mail from this company so I do n't know what their supposed business is with me.
Product: Debt collection

TRANSUNION Regarding Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Method of Verification Confirmation To Whom It May Concern, The account ( s ) above, which claims that ( state the derogatory circumstance ) e.g. what you owe if it was charged off and place amounts in this part ) concerns me. This is notification that I formally dispute this claim. 

Pursuant to local state laws as well as the FDCP and FCRA, Im requesting validation with proficient contractual evidence bearing my signature obligating me to pay your company. 

Please note that I can seek remedy due to FCRA and FCDP violations if a negative entry is placed on my credit report with XXXX, Transunion and XXXX from a debt I do not owe. Also, if that debt is not validated with physical evidence, it must be deleted from my credit reports. 

To prevent me from taking such action, Im asking that you request that those negative entries be deleted, if there were placed on my credit reports pending the outcome of the evidence you will provide. Not doing so without this evidence, injures me and I could be entitled {$1000.00} per violations for damages. 

I will seek these damages on the grounds of : Negligent Enablement of Impostor Fraud Defamation Violation of the FCRA including but limited to 623 ( b ) Furnishers ' Investigation of Disputes Filed with CRAs Duties failures under CFPB Regulation V Violations of the FDCP including but limited to Section 807. False or misleading representations subsection 8 The goal is to correct the records and a request for information only. This is not a statement, determination or waiver of status. Just know that any information provided will be used as evidence towards any additional action that is necessary.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, 2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion immediately of the following account : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I added {$200.00} to account to cover an XXXX purchase. {$31.00} came out which should have left a balance of XXXX. The balance reflected {$43.00}, which is incorrect. I made multiple attempts to contact Cash App to correct this issue. I was told they had technical difficulties between XXXX and XXXX where transactions were approved but the amount wasnt taken from the balance. This isnt possible considering this is a prepaid account. You can only use the card when money is available to spend. The company has provided no documentation to clients to make them aware that there were any issues with the app. Agent disconnected the call when I requested to speak with a manager. I never keep money on this card and only add money when Im making a purchase. I will add the amount to cover the purchase, and Ive been doing this since this account was created. Theres no reason my money shouldve been taken out of this account. I want a refund and then I want to close this account permanently. This is fraud.