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

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX XXXX XXXX Social Security Number : SS # XXXX Date of Birth XXXX Current Address : XXXX XXXX XXXX XXXX Georgia XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit card or prepaid card

I attempted to make a {$36.00} purchase and I was charged in fraud {$99.00} and {$180.00}. I went into great detail of how many times I attempted to call the company and explain this is fraud. I have filed a complaint with XXXX After 2 months of trying to dispute with Capital One I get a generic letter that they are unable to help me because I couldn't show them a piece of paper of cancellation. XXXX XXXX ( the fraud company ) didn't even send a confirmation or approval email after they fraud charged my credit card. I explained there is no paper for an online fraud charge. All I have for the merchant " XXXX XXXX '' is a phone number. MINUTES after the charges hit my card I called Capital One and cancelled my card and the agent called the company with me and we had XXXX luck getting someone from this fraud company. I tried calling and left a dozen messages over 2 months and now their voicemail is FULL. I can't get resolution with my bank and they will not acknowledge this fraud when this company is clearly and documented with XXXX as being a fraud company. I want my money refunded. I do not have any product. I was charged these 2 transactions without my consent or approval. I would like capital one to stop transferring me around just to tell me I need to provide proof that does not exist. All other card companies worked and resolved these charges from numerous other victims of this fraud. I have read over 200 stories online of people getting scammed the same as me. I have no faith in my credit card company. They need to see this is illegal for me to be charged all of this money when I never authorized it.
Product: Credit card

For three months XXXX XXXX - XXXX XXXX Citi has claimed my bank has returned my payments as NSF. I was not informed until XXXX about the issue. I called and spoke to someone who stated payments take XXXX5 days. I scheduled a payment for XXXX/XXXX/16. I called again on XXXX/XXXX/16 and was hung up on. I called back and the person I spoke to said the bank had returned NSF, even though I was paid the day before the payment was set. She then told me they had resent it and it had been accepted and they had received the funds from my bank, and that she would request a supervisor to contact me in XXXX48 hrs. I never received a call. I received an email on XXXX/XXXX/16 that it was returned NSF. However, I had a minimum of $ XXXX {$500.00} in my acct for the past week, over {$1000.00} the previous week. The person I spoke to said a request for a supervisor to contact me had n't been made until XXXX/XXXX/16. Because of this continued issue, my credit score had take a substantial hit, making it impossible to get the home loa I was going to go after. When I told this person I was upset and wanted to speak to a supervisor about getting refund on the return fees I was charged, and getting my credit score issue addressed, she told me that Citi did n't report to credit bureau. She also said that there was no supervisors available. The person also put me on hold a couple of times while I was attempting to explain. She finally told me that if I did n't stop talking she would n't make a note of my complaint. At this time I became very angry, hung up, and made this complaint.
Product: Credit card

I have this XXXX XXXX XXXX XXXX with Wells Fargo. I paid each statement on-time through the XXXX XXXX XXXX, however, the Wells Fargo system did not reflect on-time which end up costing me paying for late fee and interest fee without giving me any notification.

This is a co-branded credit card, and from me understanding from Wells Fargo when I applied for it, there is no different paying through either platform and, with any possible delay, Wells Fargo will auto-adjust based on the actual payment date/time.

Wells Fargo did not fix the problem with my call. They said they need file a complain on my behalf and then hopefully seek for an approval from higher up according to this situation. I am very disappointed to this currently result.

With the bank 's reputation, I strongly suggest US government agency to look into.
Product: Vehicle loan or lease

Usa auto sold me a car with a rusted out frame and it broke Westlake management portfolio bought contracts and won't help I live in Georgia and no way this rusted out this bad in the little time I had the car
Product: Student loan

We have won the Borrowers Defense case for federal loans and our school has shut down due to illegal practices and was a sham. Private loans should be dismissed as well.
Product: Credit card

RE : White Chocolate Grill Fraud Charges To Whom it XXXX concern : I have requested Citi Card STOP payment to XXXX XXXX XXXX in XXXX, XXXX. Citi card did NOTHING to investigate. The merchant has been nonresponsive to me and to Citi card. Citi card didn't even ask them to provide proof of a receipt. I have reached out to the BBB and the merchant didn't respond to them either. 

My citi card ends in XXXX and my address is : XXXX XXXX XXXX XXXX XXXX, AZ XXXX I can be reached at : XXXX to verify my account. 
-- -- Here is a summary of what happened and was requested of Citi XXXX. 

We visited XXXX XXXX XXXX on XXXX on XX/XX/year>. The reservation was under XXXX for XXXX. Our order was as follows : XXXX shrimp XXXX app XXXX egg roll app XXXX fish meal that was dry and terrible and the server agreed to comp the meal XXXX other entre XXXX glass of champagne XXXX espresso martini XXXX mules XXXX other drinks I think they were XXXX gimlets XXXX desserts We saw a charge of {$340.00} on our account and have since asked for the receipt multiple times. The restaurant refuses to provide us with a receipt and can not provide proof our meal was {$340.00}, especially with the comped entre. We believe that our check was changed or fraudulently altered. As no one will call us back with a receipt email or text it we have no faith that the charge is accurate and it seems highly inflated. We are asking Citi to please stop payment on {$85.00} of this total bill as we have no receipt and the restaurant will not provide XXXX. 

Please stop payment on {$85.00} of the {$340.00} charge until the receipt is provided. 
Thank you. 


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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( XXXX XXXX XXXXXXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

On XX/XX/XXXX XXXX pm, I received a recorded phone message that stated it was for me and then continued to discuss information related to their business with me, stating that they would recommend action against me, etc if I did not respond. I pushed " XXXX '' to speak with a person to get their contact information to send a CEASE AND DESIST letter. The lady who answered was very rude and refused to identify herself nor the company. She hung up on me once I tried to get the address. She also had such a horrible attitude with me and asked " Who do you think you 're talking to? '' at one point. I contacted the company again and was able to get their name and address.
Product: Mortgage

Ever since XXXX XXXX, I started to contact AmeriHome Mortgage for the mistake withdraw my escrow account. I sent all the proof but they refuse to refund me the double paid money. The story is : Loan Statement XX/XX/XXXX showed that USD XXXX and USD XXXX from my escrow account were paid for the property XXXX XXXX XXXX XXXXXXXX TX XXXX for tax and MUD. In fact, AmeriHome Escrow paid wrong figures of tax and MUD in XXXX XXXX. So, AmeriHome Escrow paid right figures of tax XXXX and XXXX MUD in XXXX. XXXX. This means, AmeriHome paid twice tax and MUD from my escrow account. 
Ameri Home Should have the wrong amount refunded to me. But they did not.
Product: Debt collection

The Cash Advance XXXX strikes again. I received yet another ominous email ( XX/XX/year> XXXX XXXX ) from an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that subject to threats of legal actions against me. The email states that it will be the final opportunity to settle the debt outside of court before legal proceedings begin. I was threatened to be charged with Violation of Federal Banking Regulation, Collateral Check fraud, Theft by Deception, & Electronic Fund Transfer Misconduct and wire fraud. The email also includes the threat of reporting my SSN to major credit bureaus to be investigated. The email concludes with leaving two options to settle out of court ; one being a one-time settlement of {$750.00} within 1 day of receiving the notice and the other being a weekly installment of {$330.00} until the full balance of {$1600.00} is paid.
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.

US DEPT OF EDUCATION XXXX XXXX XXXX XXXX  TX 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: Credit reporting, credit repair services, or other personal consumer reports

This is about credit reporting itself. 
I object to the credit inquiries factor on my credit report in the modern era. Times have changed. 

Lowering my score because I go shopping is extortion and collusion, clearly. The more I shop the deeper the damage. 

Rates fluctuate, and what rate I received today may no longer be valid a year from now. If rates drop, I should be able to go shopping again. If I go shopping on a regular basis, I then get dinged in my score, which lowers the score, raising the interest rate I can receive. 

It is no ones business but our own, if we want to go window shopping for a better product. Applying and acceptance and/or rejection does not impose a risque to lenders. It doesn't mean anything. I just went shopping. 

The public is being extorted, as the rating agencies collude with lenders in providing this information to them, while lower our rating. 

I didn't see any rating agencies lower bond scores prior to the housing crisis, when they were clearly junk bonds. That's more evidence of collusion Submitting an application and accepting terms of a loan are two different things. 

I want the best rate possible at all times. If there is a rate drop, I should be able to change loan providers, without that impacting my score. 

The system is rigged. 

We're essentially punished for 2 years when we go shopping. 

The American public is being extorted in a massive collusion with lenders.
Product: Credit card

I used my Chase United XXXX to rent a car from XXXXXXXX XXXX XXXX XXXX. 
The signed agreement for this charge states that I paid a {$500.00} deposit, the rental car fees AND FULL collision coverage as well as tolls. 

XXXXXXXX XXXX XXXX XXXX then sent a photo of a car and a bill with the description Damaged Car with the amount {$500.00} ( conveniently my deposit amount ) 1-i paid for full collision from allied with the chase united XXXX XXXXi had coverage for rental car with this XXXX 3- i had my own full coverage for insurance Chase United XXXX to my shock denied the claim " because a picture was sent of a car with damage '' 1- there is no proof i damaged the car and no damage charge ( repair ) presented 2- I explained that the car was inspected prior to me getting on the shuttle and handing over the keys as well as many other factors that could point to someone in the very tiny parking lot backing into said car after i left.
Product: Credit reporting or other personal consumer reports

I sent in a dispute to Experian and they didn't do an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened here is I sent out dispute letters to the three credit bureaus and I haven't gotten anything from them yet. Specific dates are XX/XX/XXXX of 2020. Today is XX/XX/XXXX of 2020 so it's been a month and 20 days or 50 days if you prefer. I believe that is plenty of time to have received anything back even with COVID delays. 

Please have all three credit bureaus investigate for me and send me something back.
Product: Money transfer, virtual currency, or money service

I opened a PayPal account, with the email XXXX XXXX XXXX. Two transfers were made to that account : one for USD {$25.00} and another for USD {$10.00}. 

Subsequently, PayPal wrote me an email stating that I should attach some identity documents and others, verifying that the transactions are lawful. 

The documents were sent to PayPal, as requested. 

Subsequently, PayPal has indicated that my account is closed. That I will not be able to send or receive money and that USD {$33.00}, I will only be able to claim them for 180 days. 

I consider that it is an abusive policy. I agree PayPal is not obligated to have me as a customer, but must return my money immediately. 

At this time my account is suspended, but PayPal retains the money. 

This is a common practice of PayPal, which benefits him because even within 6 months users can claim their money, but meanwhile, they do not pay interest on the money withheld. 

On the other hand, PayPal, before opening the accounts, should ask for the documents and before accepting the transfers, ask about the origin of the resources and decide whether to accept them or not, so as not to harm the users.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. On XX/XX/2024 I sent a letter to TransUnion notifying them of the reinsertion of XXXX XXXX account number : XXXX ( XXXX  ) into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for more than 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.

TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

am writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : ** XXXX XXXX XXXX XXXXXXXX ( Also known as XXXXXXXX XXXX XXXX XXXXXXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( Cal. Civ. Code 1798.93 ) reinforces my right to dispute and demand the removal of fraudulent accounts. This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law. Attached documents are FTC identity theft report two forms of identification, dispute letter detailing fraudulent account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear To Whom It May Concern, On XX/XX/XXXX, I have contacted XXXX about un-authorized payments made and un-authorized charges made on my account. I have provided detailed information and all the charges that were not authorized. Someone had hacked my online account and added the card to their apple pay/online charges. When I notified XXXX they disputed all the wrong charges : which caused all of my merchants that were on auto-pay to be owed again. They apologized and attempted to sent the money back to the merchants that were authorized. With Speaking with them again on XX/XX/XXXX, I have spoke to another representative to have the correct charges disputed. At that point I have closed my account to make sure not other charges go through. With the ATTEMPTED correct dispute. I have waited another 60 days and they have denied my claim. Un-Authorized payments and charges were made on this account and they kept denying my claim. I offered to file a police report and XXXX on XX/XX/XXXX said it wouldn't have mattered. Complete mess, My limit was {$3200.00} and it shows I owe over {$14000.00}. Explaining the situation again they wanted to set me up on a hard-ship payment plan which they did for 60 months. I am not responsible for the mishandling of this account by the fraudster or the bank. This has been a total nightmare dealing with this bank and trying to get this account resolved. On XX/XX/XXXX, I called 3 times and got hung up on. Attempted to speak with a manager for a settlement ( even though these charges are not mine ) except the ones that were for my bills. They told me no settlement is available and I made these charges. Why would I rack up {$14000.00} of debt if my limit is only {$3200.00}. My account prior to this summer was paid on time and kept a low balance. I have been treated so bad and this is ruining my life. I am tired and stressed about this situation and don't know what else to do. I received a call back from a supervisor named XXXX on XX/XX/XXXX. She stated she doesn't know why I was held responsible for these charges but can not settle. They don't have that option anymore. I will provide a police report or anything to have this account situated. I have been dealing with this for almost a year. They told me they can file a complaint but that wouldn't do anything. I told them I would go with the CFPB and possible an attorney she said it did not matter they can't help. I am not sure if you can help but this is driving me insane. Please assist me in this matter.
Product: Payday loan, title loan, or personal loan

In XX/XX/2021 I paid off the loan for the XXXX. The bank sent the title to the XXXX address instead of my mailing address. Now they said they would send a lean release because the title was lost. Im going to have to travel to another city to get the title and pay for there mistake plus pay for someone to take me to that place. The US mail told me that they return undeliverable mail back to the sender. Help if you all can. Im in no hurry. Thanks