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

During course of home addition/ remodel I took out 4 promotional. loans last year.

Promotional APR 1.99 %. XXXX. {$21000.00}. XX/XX/XXXXXXXX  " " 0.00 %. XXXX. {$11000.00}. XX/XX/XXXXXXXX  " " 1.99 %. XXXXXXXX  {$23000.00}. XXXX " " 0.00 %. XXXX {$10000.00}. XX/XX/XXXX I have been paying the minimum payment and the total new purchases every month The first loan XXXX was due XX/XX/XXXX so I called and was told to pay the minimum payment, new purchases and a separate payment for the loan we made 3 separate electronic payments {$810.00}, {$4300.00} and loan current amt due {$8700.00} The next billing cycle the XXXX loan was removed as paid, but {$7500.00} was place under a loan at 20.99 % Behold?? My recent balance reduced to {$3600.00} at the 20.99 % rate The contract says min payments will be applied by APR rate Bottom line even if you pay off each individual loan on date due they put you in the 20.99 % rate which is dishonest I would like to be refunded the additional interest and I will pay all loans off I have been working with XXXX XXXX XXXX ext XXXX with? results I think BoA is being misleading and dishonest with consumers they want to get their pound of flesh ( 20.99 % interest rate ). I have had this credit card for almost 40 years Apparently they have a clause min payment is applied to lowest rate balance and payment over the min is applied your highest rate balance regardless when loan due??? 

Your help is appreciated XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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

I recently reviewed my Credit Report and noticed 3 accounts and 3 hard inquiries that I do not recognize. I've never established any business with this companies, nor gave permission to run my Credit Report on the inquiries. These accounts have been added to my Identity Theft Report. XXXX XXXX, XXXX, AND XXXX. Also, the 3 hard inquiries have been added. These accounts are fraudulent and doesn't belong to me. This is Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In 2016 I opened a checking account with XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX was also listed on this amount. XXXX made 2 purchases at XXXX and the funds were not available. For 2-3 months, 2-3 times a week, XXXX  world try to get their payment, funds still not available, and XXXX charged me {$35.00} in overdraft fees each time even though they not once covered the actual payment. I disputed the original account and won, deleting it from my credit history. I have the pictures of that dispute if needed. So now they are going through a collections agency trying to collect the {$270.00}. I don't understand how the original account was removed from my credit report but now they are able/ allowed to go through a collections agency to try to collect that exact same debt that was already deleted. The name of the connecting agency is Credit Solutions Corp .
Product: Checking or savings account

I received checks in the mail from E trade financial.I do not have or never had any type of account with them.Hackers? What should I do?
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My husband, XXXX XXXX, and I were in XXXX XX/XX/XXXX and the condition for staying at a discounted fee at XXXX XXXX was attending a timeshare presentation. It was high pressure and it turns out we were given fraudulent information. We signed for a time share with XXXX credit cards opened for the down payment using my name, XXXX XXXX, and credit information. By the time we got back home I realized there was likely fraud and with XXXX and I tried to cancel the XXXX contract, which they refused, and I contacted all the credit cards ; XXXX, XXXX and Comenity Capital Bank to not follow through with the line of credit. XXXX and XXXX complied and Comenity Capital Bank sent me a letter saying that they hoped to do business in the future if I changed my mind but went ahead and opened the credit for {$16000.00} anyway. With fees at the time of charge off : {$17000.00} I contacted them many times by phone and mail with a copy of the letter, attached, that states that they regret not doing business with me but look forward to doing business with me in the future if I change my mind. 
They continued to call and send mail trying to collect the debt from me. Eventually they sold the " debt '' to XXXX XXXX XXXX XXXX who has been trying to collect since XXXX. Today I was served by the Sheriff with court papers here in XXXX XXXXXXXX XXXX 
I live full time in XXXX XXXX  and pay taxes in XXXX XXXX and XXXX  XXXX. I stay part time with no current lease in XXXX XXXX XXXX  were I have a small non profit and am here sporadically and do have a Florida drivers license because I get discounted rates for my non profit but my main residence is in XXXX XXXX. 
In addition my husband has been notified that the XXXX timeshare is now under international investigation for fraud and we are party to it as victims of fraud. 
Comenity and XXXX put this on my credit report but when I reported this along with the letter I have attached here to the credit bureaus the negative report was rescinded and my credit score today is XXXX by XXXX.
Product: Credit card or prepaid card

I'm a XXXX XXXX XXXX  using my PayPal Credit account to make a large purchase. 
Amount XXXX Card limit XXXX Available credit XXXX Gym equipment from XXXX XXXX XX/XX/XXXX. 
The transaction was flagged for review to the amount and rejected for " compliance reasons ''. I've requested an explanation of this description but they've failed to provide, they have provided misinformation while troubleshooting, and altogether can't seem to figure out what the issue is. The funds were held for a week while they tried to figure it out. Upon their request, I retried the transaction multiple times. It failed multiple times. Now, the vendor prohibits me from submitting any transactions as a security precaution. 
My gym purchases directly affect my ability to service my clients. Equipment is on back order and rarely in stocks as well. Being unable to submit this transactions reduces my revenue opportunity and places significant delays on an already stressed market.
Product: Credit card

Chime company has not protected my money whatsoever. I trusted them with my hard earned money but they have no care whatsoever. I have been a customer for a long time but will close all my accounts with them. Thousands worth of charges were made on my credit builder card from XXXX which is from offshore somewhere. I received multiple Fraud Alert messages from Chime if I did the transaction in which I replied no but they still let all the transactions go through. There were about more than 20 transactions of {$99.00} made on the same day. I tried reaching out to them but through multiple avenues and it was only last night I was able to reach a person in which I voiced out all my problems, they opened a dispute for the transaction it was only a few hours later of investigation they denied and charged me for all those 20+ transaction. How can they ping a fraud alert but still let those transaction go through, how can they investigate for only a few hours, they did not even reach out to the merchant about this whatsoever. They failed to protect my money.
Product: Student loan

Department of Veterans Affairs has granted me XXXX XXXX  XXXX of XXXX XXXX please delete my student loan
Product: Checking or savings account

Opened checking account with TD Bank branch in XXXX, CT in XXXX of XXXX. Promotion indicated I would receive {$300.00} if I were to have direct deposit over a certain amount within 30 days of opening the account. 

When I asked for a direct deposit form from them with my new checking account numbers they mistakenly gave me the wrong account number and subsequently my first two paychecks in XXXX of XXXX were deposited to the wrong account. After many calls from me they identified and corrected the problem with the deposits and put my paychecks into the correct account but never gave me the {$300.00} because I didn't have direct deposits within 30 days even though this was their mistake that they provided the incorrect account number.
Product: Credit card or prepaid card

I am writing about Synchrony Bank 's " Card Security XXXX '' fees and charges. I opened an Amazon credit card back in XXXX and ever since I would continue to make monthly payments. As time went on the payments and charges were normal and expected. But as of today once I go and check my past statements there is a card security fee every single month with every single payment. I called the number and they tell me I enrolled in XX/XX/XXXX, which i absolutely do not recall doing. The supervisor whom I spoke with on the phone said there were charges in the year of XXXX and XXXX and so on until now etc. I've been trying to pay this card off ever since i opened it or at least get the balance lower than 30 % but it hasn't happened and now I can see why. Between the interest charge and the security fee my monthly minimum payment is about {$2.00}. This is simply a scam for which I did not opt for. Today. XX/XX/XXXX I called and cancelled my enrollment in this bogus service, hopefully my call actually went somewhere and the proper action will occur.
Product: Debt collection

had a XXXX credit card. XXXX bought when XXXX went under. Paid payments and then XXXX cancelled card but said still owed the money, which is OK. After several months of not paying by me. XXXX closed account. XXXX sold account to " bulk buyer '' and then " bulk buyer '' sold account to Midland Financial Services LLC. Midland bought my debt BUT they reported to Credit reporting agency the date they bought and not original default, giving them 2 more years. Confronted them and they blew it off. They re-aged my debt, adding 2 years to report to Credit reporting agencies. Also contacted the XXXX credit reporting agencies with XXXX document and they also blew it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. CreditPlus - I never provided this agency permission to run my credit. 
If they are associated with XXXX, then this is fraud. The loan officer XXXX XXXX provided fraudulent documentation in which ill be filing a specific complaint with HUD, CFPB. 
DATES : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

2. XXXX XXXX - Misuse of my information. Multiple inquiries within 30days. I called on XX/XX/XXXX to resolve, per the information provided by rep on XX/XX/XXXX, I never spoke to the rep mentioned. 
DATES : XX/XX/XXXX, XX/XX/XXXX. 

3. XXXX XXXX - I never granted this agency to access my credit. 
If they are associated with XXXX XXXX XXXX, my information was misused and sold despite being told that they no longer offered the XXXX loan product due to COVID-19. if XXXX XXXX is affiliated with this transaction, he stopped responding. 
DATES : XX/XX/XXXX & XX/XX/XXXX. 

4. XXXX - Im not familiar with this transaction. I tried calling but was not able to reach anyone. 
DATES : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report. It is cause by fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them, take this off XXXX - ( ORIG CREDITOR : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$690.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX. 
According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against Experian regarding the mishandling of a collection account associated with XXXX XXXX XXXX, Account # XXXX, which has resulted in multiple violations of federal laws governing consumer credit reporting and debt collection practices. 

Failure to Provide Validation ( Violation of FCRA Section 611 ) : Despite my request, Experian has neglected to provide adequate validation of the collection account in question, as required by the Fair Credit Reporting Act ( FCRA ) Section 611. This provision mandates that credit reporting agencies must conduct a reasonable investigation and provide verification of disputed information within 30 days. Experian 's failure to fulfill this obligation constitutes a clear violation of my rights as a consumer under the FCRA. 

Duplicate Reporting ( Violation of FCRA Section 623 ) : Experian has reported the same collection account twice on my credit report, thereby violating the accuracy and integrity standards set forth in the FCRA Section 623. This provision stipulates that consumer reporting agencies must ensure the maximum possible accuracy of the information provided in consumer reports. Experian 's duplication of the collection account not only misleads creditors and lenders but also harms my creditworthiness and financial standing. 

Unauthorized Reporting ( Violation of FCRA Sections 604 and 607, FDCPA Section 807 ) : Experian added the collection account to my credit profile without obtaining my express written or verbal permission, nor did they receive information from a court or government agency, as required by the FCRA Sections 604 and 607. Additionally, this action violates the Fair Debt Collection Practices Act ( FDCPA ) Section 807, which prohibits debt collectors from making false or misleading representations in connection with the collection of any debt. Experian 's unauthorized reporting of the collection account constitutes a blatant violation of these provisions and undermines the integrity of the credit reporting system. 

Willful Noncompliance ( Violation of FCRA Section 616 ) : Experian 's repeated failure to comply with the FCRA 's requirements, despite being aware of its obligations, may be considered willful noncompliance under FCRA Section 616. This provision allows for civil penalties to be imposed on credit reporting agencies that willfully fail to comply with the FCRA 's provisions, further underscoring the seriousness of Experian 's actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against EQUIFAX SPECIAL AFFAIRS DEPARTMENT, to ask that you please eliminate any accounts that were opened under fraud without my authorization or permission. In this particular case without my presence, I also ask to remove all inquiries that are reported in my credit report, that were also solicited without my authorization. EQUIFAX SPECIAL AFFAIRS DEPT. knows very well, that I am a victim of identity theft, for many years I have sent over police reports and complaints and new accounts keep appearing on my report. This complaint I'm making is because I have new police reports, with new accounts that have been opened under my name under fraud. This is the best and most effective way with all the documents that I will upload to dispute all the negative accounts that were opened. The accounts that I am going to dispute under fraud is 1 ) XXXX/XXXX, ACCOUNT # XXXX, 2 )  XXXX  XXXX XXXX # XXXX with balance {$730.00}, 3 )  XXXX  XXXX  XXXX ACCOUNT # XXXX with balance {$95000.00}, 4 ) XXXX  XXXX  XXXX ACCOUNT # XXXX with balance {$62000.00}, 5 ) XXXX/XXXX  ACCOUNT # XXXX, 6 ) XXXX  XXXX  XXXX ACCOUNT # XXXX, 7 ) XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, 8 ) XXXX  XXXX ACCOUNT # XXXX, 9 ) XXXX XXXX  ACCOUNT # XXXX, 10 )  XXXX XXXX XXXX  ACCOUNT # XXXX, 11 )  XXXX XXXX XXXX ACCOUNT # XXXX, 12 )   XXXX, XXXX, ACCOUNT # XXXX, 13 ) XXXX   XXXX  XXXX  # XXXX, 14 ) XXXX-RETAIL ACCOUNT # XXXX, 15 ) XXXX XXXX ACCOUNT # XXXX, 16 ) XXXX/XXXX  XXXX  ACCOUNT # XXXX, 17 ) XXXX XXXX  ACCOUNT # XXXX, XXXX8 )  XXXX  XXXX XXXX  ACCOUNT # XXXX, 19 ) XXXX XXXX XXXX ACCOUNT # XXXX, 20 ) XXXX, XXXX. 
INQUIRIES ARE AS FOLLOWED : 1 ) XXXX XXXX, 2 )  XXXX  XXXX  XXXX, 3 ) XXXX  XXXX, 4 ) XXXX  XXXX   XXXX, 5 ) XXXX XXXX XXXX, 6 ) XXXX   XXXX XXXX, 7 ) XXXX  XXXX, 8 ) XXXX XXXX XXXX, 9 ) XXXX XXXX, 10 ) XXXX, 11 ) XXXX XXXX, 12 )  XXXX XXXX XXXX, 13 ) XXXX XXXX, 14 ) XXXX XXXX. 
All of these complaints that I am making for being a victim of identity theft, are backed up by a police report I made XX/XX/2019, two days after I came back from XXXX. I left this country XX/XX/2019 and when I came back I came back to all these accounts that were opened under fraud. I am following the federal law, that will protect me against this Identity theft that I was a victim to, supported by the police report and Identity Theft Victims ' Complaint and Affidavit. Also, I am in contact with all of the other companies that have accounts and inquiries under my name which were opened under fraud because of my identity theft. I am making this complaint because I'm blocked from making disputes online, and I'm also mailing you my documents. I appreciate the support and good customer service you guys have given to solve this huge problem I've had at this time.
Product: Credit card

I received letters from the company saying an account was open under my name As well as a credit check and the account shows up on my credit report and it affected my credit. I took action and called the company they told me they would close the account. A year latter and it still shows up on my credit report.
Product: Payday loan, title loan, or personal loan

I revived a summons from XXXX XXXX XXXX, XXXX. XXXX XXXX. I then called them XX/XX/2020. I spoke to a woman that said they were debt collectors. I asked if I could arrange payments of {$140.00} a month she was aggressive & wanted me to make 12 payments of {$440.00} every 2 weeks. I explained to her I could not do that she then said she needed to speak to her supervisor & she would call me back. Come Monday XX/XX/XXXX I call them to follow up with every call I attempted to make to them the phone seemed disconnected or will not take calls from my phone. The debt collectors name was XXXX XXXX. I can no longer get ahold of them to resolve this debt.