23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking. I had requested for Experian to remove ( block ) the account XXXX XXXX XXXX XXXX  from my credit due to me a victim of human trafficking. The account was removed and re-Reported back on my credit file. I called XXXX XXXX and she told me she could only remove the item with a police report stating I am a victim of human trafficking. I am asking that I am protected under the Human Trafficking Protection Law. I am very XXXX I have been XXXX XXXX XXXX  by the people finding me again and need to relocate. Due to the account being on my credit report. I am going to be going to the XXXX XXXX XXXX XXXX if this is not resolved and I will be seeking to sue Experian for XXXX plus in damages for emotional distress, against a credit bureau under the Fair Credit Reporting Act ( FCRA ). If I get killed for still being in the same location and area, my family will also sue Experian for not assisting me with my request to remove the items. I will attached proof I have been robbed. I have to live in fear because of Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been assuming the role in assembling and evaluating consumer credit as well as other consumer information. Besides the fact that Equifax reporting false credit scores has lead to higher interest rates they have failed to exercise their grave responsibilities of fairness, impartialities and respect to my right to privacy.
Product: Prepaid card

Received a prepaid AMEX gift card from my company with {$100.00} loaded on it. Confirmed {$100.00} is available on XX/XX/XXXX. 

Attempted to use {$100.00} of the gift card on XX/XX/XXXX on XXXX XXXX XXXX to pay towards a cruise. Charge was declined even though they take AMEX ( XXXX customer service confirmed AMEX and gift cards can be used ). Checked the balance after it was declined, and XXXX cents was depleted. I attempted a XXXX time on XXXXXXXX XXXX  site, this time for only {$90.00}, and the charge was declined again. Checked the balance again and another XXXX cents was taken out. My available balance was now {$99.00} instead of the original {$100.00}. 

On XX/XX/XXXX, I attempted to use it on XXXX, a pet supply website. XXXX also takes AMEX. My total order was {$80.00}, which was declined by AMEX. This is the third time the card was declined. 

After searching online about this, I discovered on XXXX and consumer complaint sites that A LOT of people are unable to use AMEX gift cards and getting declined at the majority of retailers. I would like this investigated because it seems AMEX is declining transactions on purpose for Financial reasons, trying to commit fraud on consumers and companies who purchase these. I will be reporting this to my company since they purchase a XXXX XXXX of these {$100.00} gift cards a year. 

As a consumer, I would like my {$100.00} from AMEX that I was supposed to be able to use from the gift card!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX about some credit cards they have reported to my consumer report and your company has not sent me : The contract/agreement I signed legally binding me to this alleged debt The information you used for fraud prevention and to verify my identity as the responsible person qualified to establish this account The steps you took to verify my eligibility to establish this account ( ie, employment verification, residence verification, etc. ) Verification of accurate billing ( ie, every single itemized statement, payment, credit, interest added, disputed charges, etc. ) from the time this alleged account was first established A notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period you claim I was a customer A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ). 
A full file disclosure. 
An itemized statement breaking down the balance you claim I owe. 

I gave them 15 days and they sent me monthly statements and something that looks they printed of with my social and address this is unacceptable and I want the information that I requested or these credit card accounts need to be deleted from my consumer report I've even called and they can not locate these accounts This is another attempt to get me the information that I need
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i saw that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXXXXXX XXXX : opened XX/XX/2023 XXXXXXXX XXXX : Account number XXXX XXXXXXXX XXXX : Fraudulent Charges {$0.00}
Product: Mortgage

I believe Nationstar has mismanaged escrow, misappropriated payments and is in possible violation of Sections 6 & 10 of the Real Estate Settlement Procedures Act ( RESPA ). 



Mismanagement of Escrow Upon receipt of my Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX, I learned that in XXXX XXXX Nationstar made an extra annual payment for my home owner 's insurance, 6 months prior to it 's due date ; the annual payment was previously made in XXXX XXXX. In so doing, Nationstar plunged the balance of my escrow below RESPA required minimum equal to XXXX of total annual escrow disbursements. 



Prior to the receipt of the Annual Escrow Account Disclosure Statement, I was not notified of this untimely payment nor advised of the potential imposition resulting from the significant increase in my minimum monthly payment for XXXX ; an increase to compensate for their mismanagement. Of further concern is the projected annual disbursement for XXXX includes yet another annual payment for my home owner insurance in XXXX - this will make 3 annual payments for 2 annual premiums in a 12 month period. 



RESPA Section 6 My initial correspondence to Nationstar on XXXX XXXX, XXXX requested an explanation for the extra payment made from my escrow and why I was not previously informed. I requested a copy of the invoice from the insurance company for that extra payment and wanted to know what effort was made by Nationstar to validate those charges prior to making that extra payment. I also requested the name of the person managing my escrow. My request was acknowledged XXXX XXXX. 



After hearing nothing, I sent a 2nd written request XXXX XXXX, XXXX, a XXXX request XXXX XXXX, and a XXXX on XXXX XXXX. It has been more than 60 days and Nationstar still has not complied with my request. This is in direct violation of RESPA Section 6. 



Misappropriation of payments Nationstar records the last payment on my account was received XXXX XXXX, XXXX. They do acknowledge my payment of XXXX XXXX, for the month of XXXX, but it is not allocated to my account. In addition my payment for XXXX sent on XXXX XXXX is still not acknowledged as being received. Regarding this matter I have corresponded on 4 separate occasions : XXXX XXXX and XXXX XXXX, XXXX and XXXX. I have also provided Nationstar with Proof of Payment from my bank. My payments are sent electronically. 



In addition to being in violation of RESPA, these actions represent a significant breach of consumer confidence. My hope is that Nationstar will repair this breach and work to rebuild trust with this consumer. I do not relish having to manage the company whose primary role is to manage my mortgage and escrow. This is my home that 's on the line. It is my credit being victimized. It is the future financial security of my family at risk.
Product: Credit reporting or other personal consumer reports

Hello, I'm reaching out about the Wells Fargo account. I am not pleased with the results. I am not asking for accuracy if the account but for it to be removed. Remove the account. It is not collectible. Remove it. 

Thank you
Product: Mortgage

We have been Chase customers for a very long time. We wanted our mortgage to be through them for ease of payment.

W scheduled an in-person meeting at Chase and sat down with a personal banker. We then waited 9 days to get a call back from Chase regarding starting our loan. We already had an accepted offer. 
We got everything done pretty speedily. We let them know we were going back and forth between primary and secondary home, since we had some family issues going on and were unsure of how long we would be in Wisconsin. 
Everything was set to close on XX/XX/2021. 
They then scheduled the appraisal for XX/XX/2021. We attempted to get an appraisal waiver, but they advised that had to be at the discretion of XXXX XXXX. They then got the appraisal expedited, but charged us {$1600.00}. An appraisal generally costs around {$500.00}. They also initially charged {$1100.00}, but then increased it to {$1600.00} at a later date. 
Worked with XXXX XXXX, who was extremely difficult. Also worked with XXXX XXXX. Both had promised several letters and articles we sent them would work for information on our jobs/working from home. 
Chase got hung up on getting a particular letter, which we advised we don't have/could n't get. Instead of changing the loan to a secondary home, which is also appropriate, as it's not our permanent state of residence, they pushed closing out a week. 
Didn't end up closing until XX/XX/2021. Had to pay {$800.00} XXXX {$100.00} daily rental ), due to Chase not closing on time. 
Also were promised that if they didn't meet the closing on time, they would waive the closing costs. That never happened.
Product: Debt collection

This is not an authorized account or card Nor is there permissible purpose
Product: Debt collection

XXXX XXXX XXXX mistakenly tried to take money from my savings account ( which did not have a balance ) on XX/XX/XXXX and also XX/XX/XXXX for a car payment that did not belong to me. The credit union paid the car payment and then sent me to Allied International Credit Corp. ( Collections ) for the amount. 

I received a letter from XXXX on XX/XX/XXXX stating that my account was overdrawn and that they closed my membership account and charged off the debt. This was the first letter that I received in the mail and I immediately went into the local branch to dispute it. They told me that they sent prior messages to me but they were only sent digitally to my account and again, it is an account with no balance that I never use so I didn't have any reason to check for messages with this account. 

I explained to Suncoast that the car payment to XXXX XXXX was NOT my debt and I never had an account with XXXX. They told me that they couldn't do anything about it. This is wrong. They admitted to me that they paid a car payment that is in XXXX XXXX XXXX 's name, which is admitting that they made a mistake. I do not know XXXX XXXX XXXX and never have, this is a bill that the XXXX XXXX XXXX paid by mistake from my account for someone else 's car payment. 

On XX/XX/XXXX, I received a letter from Allied International Credit Corp stating that my account was referred to them by XXXX XXXX XXXX for collection of a debt of {$430.00}. At this time, I pulled my credit reports from XXXX, XXXX, and XXXX  and this debt is now showing on my credit reports and therefore ruining my credit. I am only XXXX years old and this is so unfair. This is not my debt and XXXX is not taking responsibility for their error.
Product: Debt collection

The call was coming from an unknown number and had called XXXX times yesterday, in increments 4 hrs apart, and again at XXXX this morning. I finally answered assuming it was important. A female caller asked for me and I said this is she. She then asked to verify my address. I asked her to identify herself and she provided her name and some random employee number but DID NOT identify where she was calling from. I asked her again WHERE she was calling from and she refused to do so. She said I am calling about an important private matter and I need to verify your information first. I told her I was NOT giving her any information until she advised where she was calling from. She refused to do so and said " thank you we will try another time '' and hung up on me. I did research online and found the number belongs to IC Systems. I am not aware of any outstanding debts at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 XXXX XXXX  XXXX  credit fraud department called me and requested that I confirm my identity. I refused as banks do not usually call someone unsolicited. I told person that I would contact XXXX XXXX directly after verifying that the phone number is factually XXXX  XXXX fraud department ( XXXX XXXX ). I called them back and learned that someone had applied for their silver credit card on line using my social security number and birth date. I informed them that I did not apply to XXXX XXXX for any form of credit and that this was fraud/identity theft. I then checked XXXX, XXXX, and Transunion to discover that there was a hard inquiry from XXXX XXXX on my credit reports. This has been disputed and resolved at XXXX but XXXX and Transunion continue to show this XXXX  XXXX inquiry. An unknown address and phone number from the XXXX are was also shown by 2 of the credit agencies, which was disputed and removed. 

Transunion did state today that the thief did use my actual name ( without middle name or initial ), my social security number, my birthdate, but the unknown to me : address of XXXX XXXX XXXX XXXX, XXXX IL XXXX and the phone number ( XXXX ) XXXX " This is the same phone number and address that was disputed and removed from my credit report. 

I searched the phone number and address on line and found many numerous names associated to that specific ph and address information that seem to want to appear XXXX  yet the spelling oa say atypical XXXX  name seems foreign say some XXXX  or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times for Experian to remove this information from my credit file. On XX/XX/2022, they responded to my request by declaring that the XXXX XXXX XXXX  XXXX  XXXX XXXX reported this information. I have submitted a letter from this court declaring that the court does not report this information to any third party.
Product: Credit card

On XX/XX/year> I purchased online a telephone box from Best Buy. The charge was posted on XXXX. OnXX/XX/XXXX I received the telephone box but it was defective. I returned the telephone box to my local Best Buy store. I was issued a credit but then was charged again for a telephone box that I did not receive. The refund and second charge were posted on XX/XX/XXXX. I called Best Buy and was told the XX/XX/XXXX bill on my credit card is not in the records of Best Buy. I disputed with my credit card. Best Buy told my credit card there was no charge to my account on XX/XX/XXXX. The credit card bill shows a charge on XX/XX/XXXX but because Best Buy disputed my claim of being charged the credit card went along with Best Buy and denied my dispute.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT - CFPB I am writing to dispute fraudulent information on my credit report under 15 U.S.C. 1681c-2 and request that this information be blocked. I have enclosed a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my claim of identity theft. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block the identified fraudulent information within four business days.

The following information on my credit report is the result of identity theft and must be blocked immediately : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/2024 As required by law, this information should be blocked for one year, at which point I may request an extension of the block. During the block period, you are prohibited from reporting these accounts unless you have verified that my report no longer contains fraudulent information.

I have contacted the credit bureau multiple times to report these fraudulent accounts, but no resolution has been provided. This has severely impacted my ability to purchase a home for my children. It is especially concerning that other credit bureaus have removed these collections after determining they were fraudulent, yet this bureau continues to claim that these accounts belong to me. 
Additionally, I have requested contracts from the company in question that supposedly opened these accounts using my information. Despite more than 60 days passing, I have not received any response. This lack of action further supports my claim that these accounts are not legitimate. 
I respectfully request your immediate assistance in deleting these accounts and any related inquiries from my credit report. I have enclosed the FTC report for your reference and trust that this matter will be handled with urgency. 
RESOLUTION REQUESTED : Please delete these fraudulent accounts and inquiries immediately. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card

On this account, I have always made sure that payments are made on time, never allowing them to become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX Representatives, I am writing to file a formal complaint against EQUIFAX, for the improper reinsertion of a previously deleted account into my credit report. The accounts in question are XXXX # XXXX XXXX and XXXX # XXXX XXXX, which were removed following a successful dispute and have now been reinserted without complying with the requirements set forth under the Fair Credit Reporting Act ( FCRA ). 
Details of the Violation : 1. Failure to Provide Required Notification : Under FCRA Section 611 ( a ) ( 5 ) ( B ), credit bureaus are required to notify me in writing within five business days of reinserting any previously deleted account. I have not received any such notification regarding this reinsertion.

2. Lack of Verifiable Documentation : The FCRA also mandates that any reinsertion must be supported by verifiable documentation from the information provider. To date, no such documentation has been provided to me.

3. Violation of Data Accuracy Requirements : Under FCRA Section 623 ( a ), information furnishers are required to ensure that all reported data is accurate and complete. In this case, the information appears to have been reinserted without proper validation or correction.

4. Failure to Meet Permissible Purpose Requirements : Under FCRA Section 604, all information included in a credit report must meet a permissible purpose, as well as be valid and relevant. The reinsertion of this account does not comply with these provisions.

5. Lack of Transparency : Under FCRA Section 609 ( a ), I am entitled to receive all information used to justify the reinsertion, including details of the source that provided the information and any proof of validation. This information has not been disclosed to me.

Personal Impact : The reinsertion of this account has negatively affected my credit report, lowering my credit score and limiting my ability to access financial products. Additionally, this situation has caused undue stress and inconvenience due to Equifax failure to comply with the law.

Requested Action : 1. Investigate the improper reinsertion of the accounts XXXX # XXXX XXXXXXXX and XXXX # XXXX XXXXXXXX, 2. Require EQUIFAX to immediately and permanently delete the account from my credit report.

3. Ensure strict compliance with the FCRA, including the obligation to notify and provide verifiable documentation before any future reinsertion.
Product: Credit reporting or other personal consumer reports

Letters have been sent to all three bureaus with no corrective action of illegal remarks removed from credit report. 
All three bureaus submitted corrective action under FCA and USC15 codes. 

Since bureaus was notified I have been locked out online portals to submit further action against such bureaus. Any additional contact via phone line to customer support has not assisted with access to account no deletion of accounts found on report - specially Transunion. 
XXXX XXXX XXXX XXXX XXXX and Birthcertificate found on dark web. Also may have highly been impacted by late data breach : XX/XX/year>.
Product: Credit card

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and XXXX to reinvestigate this account from Navy Fedral Credit Union # 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 1681 ( 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: Payday loan, title loan, or personal loan

This was my first loan I have ever taken. I owned my XXXX XXXX outright meaning I owed no money on it. When I initially took out the loan they were very quick and eager to get me to sign documents I didnt even know I was signing. The way they had it set up I didnt even get to read the real agreement. I am on time with my payments currently and I got a letter in the mail saying since I did such a good job with payments I was able to take a XXXX loan out after my next payment and the advertisement said keep my same low interest rate. That was a complete lie, my payments at that time were XXXX dollars a month. I borrowed {$7500.00} and after 5 XXXX dollar payments I still owed more then what I borrowed. After I took out the XXXX dollar loan I got a letter saying my other loan account had been closed and a new one opened. I called and ask them what the deal was I was assured that my interest rate would continue to go down instead they informed me that taking out the new XXXX dollar loan my interest rate now was 115 % and that my payments would be {$880.00} a month for 36 months. That was that and that was final. AGAIN I DID NOT SIGN THAT OR AGREE TO THAT. THIS COMPANY IS FRAUD THEY ARE LIARS AND THEY NEED TO BE BROUGHT TO JUSTICE. I READ THE MOST INTEREST RATS THAT CAN BE CHARGED IS 12 % Washington and 10 % Utah. IM BEING CHARGED 115 %! they totally took advantage of me they obviously knew I had no experience in taking a loan Out. They are literally trying to Make it so hard for me to pay this off they want to take the car. They dont want the loan Paid off. I need help what they are doing is completely illegal!