23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX your front door ran my plum american express credit card # XXXX for around XXXX dollars from a merchant account called your front door which is located in california. I did not sign anything to authorize this charge. a couple weeks later the merchant account " your front door '' aka XXXX XXXX assured me he would offer up a refund in which this was never done. I have disputed this charge multiple times and each time american express doesnt give me any answers but they will not reverse this fraudulent charge. Since then I have had to file a civil lawsuit against XXXX XXXX and your front door and had meetings with the FBI in which they agree this is complete fraud. Because of this american express has closed down all my accounts and reported me to a collection agency in which this has tanked my credit and has ruined my financial well being because they have not investigated this matter properly. I want this off my credit and thoroughly investigated with the fbi as this has been complete fraud and not good business. XXXX the credit card company has said they disbursed the money to the merchant XXXX XXXX and I have still not have gotten a refund. I will have to take legal action if this is not resolved soon. below are attachments showing communication between the merchant, XXXX  the credit card processing company and it clearly shows that XXXX of them are withholding this money and I am the one suffering from this. My lawyer and I have many more attatchments to prove this is a scam and would be more then happy to send them over. I have tried to resolve this multiple times and everyone at american express just transfers me to another department that cant help me and even XXXX gal said that they cant do anything because stripe has the money but as you can see via the attatchments the merchant would have recieved the money XX/XX/XXXX. this should be investigated with the fbi and if this doesnt get resolved legal action will take place.
Product: Credit card

Balance Increased JPMCB CARD SERVICES account balance increased Between XX/XX/XXXX and XX/XX/XXXX, your JPMCB CARD SERVICES credit card balance increased by {$380.00} from {$170.00} to {$550.00}. 

This information is available on XXXX XXXX. This is NOT my credit card. Someone fraudulently opened it in my name and it is not affecting my credit score. I froze all three of the credit bureaus under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed which still appear on my credit report as having late payments.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score..I would like these items be removed from my credit report XXXX XXXX, XXXX XXXX   XXXX/XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello. I am trying to lease a car and the car company requires that I unfreeze my Experian credit report. I have the PIN Experian gave me years ago but I am unable to log into its portal in order to unfreeze the report. Via email and over 40 phone calls to its various numbers, I have been unable to reach a person to help with this. When I try to use the automated systems, it claims it is sending a temporary PIN to my phone number but I have never received any. I have tried three different web browsers with no luck. I believe the issue may be that Experian has a different phone number on record for me and perhaps that's why I am not receiving the temporary codes it claims to have sent. That said, when I request information about the log in process, it sends that to my phone, but not the temporary PIN. I have emailed them twice with no response. There seems to be no way to reach a human being to help with this issue. When I call, the automated phone line sees that I've been having a problem logging in, but then only offers me the suggestion to log in to fix it, which of course I can not do. I am under a very tight deadline to lease this auto by years end and yet I do not have access to MY credit report because this company has taken no responsibility to staff accordingly to help with issues such as these. What's more, the only published phone numbers for Experian all lead to the same useless phone tree and do not offer any technical support or the ability to speak with a human being. I will likely not be able to lease this car because of this company 's despicably inexistent consumer support. All I want is to reach a human by phone or email or text who can help me log on to the Experian portal. That I have spent 10 hours already on this, including calling my state senator, NY State Consumer Affairs, FTC and CFPB, and am not able to get any help at all is very upsetting to say the least, and an example of despicable corporate irresponsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

This pertains to all 3 credit report agencies XXXX XXXX XXXX and equaifax. I have extremely important questions about the credit reports that they have sent to me as requested im yet and still waiting on XXXX XXXX after multiple weeks. I absolutely can not get anyone to help assist me on the matters. Either my phone will ring and immediately hang up or I will get someone for 3/4 mins and the call drops., or I can never get through to get anyone! This is constant and my results every single time! Either my phone and line is compromised or this. No help! I have incorrect information on my account unknown countless insurance companies and utility providers all around the world auto loans loan notes dhs on my report, home loans, mortgage loans, financial counseling services, installment loans, sociL service agencies credit grantor credit card services and credit insurance.all unknown and does not pertain to me! Misspelled name on account, business and numbers fraudulent activity improper use of my account and sharing of informative delinquent and paid full unknown accounts. Missing basically my entire report of information that should be listed 6 different name id 's.
Product: Vehicle loan or lease

I financed a vehicle with them in 2018 never had a later payment. I basically went to the dealer and traded my car in, and bought another vehicle. Then all of a sudden they started saying i owe them {$11000.00} the car was paid off as a trade in. So this information is inaccurate, and needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I called XXXX after observing my credit score dropping XXXX points. The XXXX agent informed me that Westlake financial was showing a collection after I called Westlake Financial, they stated that it was not true and they reported it paid and satisfied. The Agent also stated that my Mortgage Company XXXX has reported for XXXX then she said that my student loans weren't in good standing for which none of the information is true my student loans are in good standing and repayment start in XXXX as the President stated. I have paid all my bills on time, and I feel that my credit score should have been in the XXXX hundreds due to credit that was developed over the past year. I've bought a new home and Vehicle verses many other credit items obtained and all has been paid on time and in good standing.
Product: Debt collection

I am writing to demand the immediate removal of fraudulent accounts from my credit report. Despite multiple escalations, the persistence of these fraudulent entries is causing significant distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I haven't taken out an loan out from Bright Lending because it seems to me after reading over the lender Loan Agreement And Disclosure Statement it seems to be unpractical and more towards predatory lending. 

I was taking out a loan for only {$800.00} but their Annual Percentage rate was set at 674.9888 %. Finance Charge {$2900.00} with a total payments of {$3700.00}. 

I thought that was a little much so I called and asked to speak with someone about the Loan Agreement. My question was why didn't the Loan Disclose a early pay off and NO ONE could answer my question or could tell me anything about an early pay off option and what that would be. I asked was it 5 -10 pay off but got no answer accept that it depends. My question was depends on what? They kept putting me on hold to fine out but could never give me a straight answer at all. So I said you could put all these unreasonable finance charges {$3700.00} for a {$800.00} dollar loan but you cant tell me anything about early payoff for just the {$800.00} without all these fees. 

I don't know the law but in my heart I truly feel this is a Predatory Lending Company and they need to be closed down. Its company like this that destroying peoples lives and future. Please look into this! I can provide you a copy of the Loan AgreemenXXXX Thanks XXXX XXXX XXXX
Product: Credit card

Fortiva a credit card offered me a card pre-appoved. on XX/XX/2024 i received said card without opening the card a {$170.00} U S Dollar amount was invoiced to pay with a {$25.00} amount mininum due XXXX, 2024 due date. I had not even opened the card and the charged that to the card.
Product: Credit reporting or other personal consumer reports

I have tried and tried to have these negative items removed from my credit report to no avail. This company is illegally reporting information on my personal credit reports without justification or consent. They are required to remove all inaccurate, false reporting, and outdated items from my reports and that has not been done. Furthermore my privacy rights are being violated, my character is being defamed, and no one has ever obtained my permission to any of these things. I do and have not consented to these proceedings. 

The following information is being inaccurately reported on my files and I'd like to have them all removed! 

XXXX XXXXXXXX, {$230.00} XXXX XXXX XXXX XXXX, {$240.00} XXXX XXXX XXXX XXXX XXXX, {$420.00} XXXX XXXX XXXX XXXX XXXX, {$620.00} XXXX XXXX XXXX XXXX XXXX, {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX, {$1400.00} XXXX XXXX XXXX {$4900.00} XXXXXXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX, XXXX, {$29000.00} XXXX XXXXXXXX, {$8000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX, XXXXXXXX, {$360.00} XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX, XXXX XXXX {$9100.00} Inquiries Listed : XXXXXXXX XXXX XXXX XXXX Us Department Of EduXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I requested Western Union ( WU ) to transfer funds ( international ) on XX/XX/2019. To expedite the process, I paid WU-Pay via my bank account for XXXX provided to me. I noticed on my bank statement a few days later that WU collected funds from my bank account twice for the same transaction, on XX/XX/XXXX and XXXX. 

I called WU, but they denied any wrong doing, and asked me to mail a hard copy of my bank statement. They claimed they couldn't find any record of paying twice the full amount. They also refused my request to contact my banker directly. I explained to WU that my financial privacy is my right and they can't violate my right to cover up their fault, be it benign or criminal. WU didn't care less. 

I filed a complaint through my bank. The investigation resulted in my favor, and a full refund was confirmed by a letter to my account on XX/XX/2019. 

WU contacted me today threatens me to send a collection note against me. I explained to them that I was expecting an apology call from them not a threat with a collection note. WU is doubling down knowing that the judgement against them could result in legal consequences. 

WU again refused to contact my bank, who investigated the matter, which ruled for my favor. Why WU is harassing me? Are they discriminating against me?
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of two accounts listed on my credit report that I believe to be errors due to unverifiable information and potential identity theft. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not correspond to any addresses associated with my personal profile, nor do they reflect any transactional activity that I can verify as my own. According to the FCRA Section 1681i, any information that can not be verified or is incomplete must be removed from a consumers credit report. The inclusion of these accounts without any associated addresses strongly suggests that the account details are unverifiable. 

Furthermore, the presence of these accounts might indicate potential identity theft, as I have no knowledge of these accounts being opened under my name, and they do not relate to any of my known financial activities. Under the FCRA, I am entitled to dispute fraudulent entries to protect my credit rating from unwarranted damages. 

Attached to this letter are snapshots of my credit report showing these specific accounts having no association to any address on my credit report. I hereby request the removal of these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for unlawfully reporting a child support obligation on my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, obligations such as child support do not constitute credit transactions and therefore do not meet the criteria for reporting on consumer credit files. This interpretation is supported by legal precedent, including XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX C XXXX ( XXXX XXXX XXXX XXXX XXXX ), which clarified that child support obligations do not arise from a credit transaction as defined by the amended FCRA XXXX 

I have disputed this entry with Equifax multiple times, but they have failed to remove the child support information from my report. This reporting lacks a permissible purpose under the FCRA and has caused significant harm to my credit profile and financial standing. 

I am requesting immediate removal of the child support obligation from my Equifax credit report. If this issue is not resolved promptly, I will seek legal action to pursue damages for willful and negligent violations of the FCRA. 

Please investigate this matter and ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive seen my credit reports and noticed that I XXXX late payments on an account I that I was never late for. Reporting Agencies have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the XXXX XXXX XXXX account # XXXX Please investigate and provide Proof with company bank STATEMENTS from my account to yours, showing these payments were late. If the proof im requesting cant be provided payments be updated to on time as they should be as I was NEVER Late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA 15 U.S. Code 1681c2 and 15 U.S. Code 1681 consumer credit agencies Equifax and XXXX have violated my rights to have my information blocked as result of identity theft and have failed to report fair and accurate information on my consumer report profile.
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. 

Account name : XXXX Accountnumber:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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: Debt collection

I received a call from an individual claiming they represented Best Buy Credit Card, and their name was XXXX XXXX XXXX XXXX. The initial caller informed me I was going to be sued and my home taken and hung up when I explained I never had a card with Best Buy unless it was fraud. The number they call from is a toll free line of XXXX. I called back and was hung up on. I called Best Buy credit and verified I have never had any account with them. I can only get thru to the number by using friends phones as when I call they pick up and hang up. I can not find any collection agency or debt buyer under the name XXXX XXXX XXXX XXXX. I was only able to get the one ladys name and company name by calling from a friends line. XXXX XXXX, and the first time it was as XXXX XXXX XXXX XXXX XXXX. I believe this may be a scam as the initial phone call was so aggressive, if I did not have the education and experience in law, specifically debt collection law, I may have been bullied into paying. Threatening to sue me and take everything I own ( laughable ) claiming the debt was incurred in XXXX and never paid on, but not charged off until XXXX so I better get a good attorney. Threatening to garnish - like I said, the FDCPA violations were rampant. I was never mini mirandized, I was threatened with a lawsuit to collect a debt that never existed, sworn at, refused the name of the collector I was working with and refused the name of the company. I simply do not understand how they can prey on the innocent and they need to be stopped. Best Buy Corporate has been notified that the entity at the XXXX is actively using their name and threatening innocent people.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated. I did not give permission or written consent to the bureaus and they are violating 15 USC 1681b. I never enrolled or signed up for any of these and these need to be deleted in accordance to the 15 USC 1681c-1 and 15 USC 1681c-2XXXXSEE ATTACHMENTS
Product: Debt collection

The original debt of {$16000.00} # XXXX with original creditor XXXX currently held by collection agency " Portfolio Recovery Associates '' WITH XXXX ACCOUNT NUMBERS WITH THEM # XXXX & # XXXX for the THIS EXACT SAME DEBT is time barred meaning the California statue of limitations has more than exceeded ( over XXXX-years ) the time to collect and or sue for. The problem is also that this same debt When I called them up to tell them this that 's the first thing they tell me at the beginning of the phone call meaning that this debt has far exceeded the time to sue and is time barred however when I tell them " Portfolio Recovery Associates '' this they tell me they ca n't remove this from credit report as money still owed to them. I then proceeded to call XXXX credit reporting agency at ( XXXX ) XXXX directly and they did indeed tell me that this debt has been long last the ( XXXX ) year California time statue and is time barred and they immediately removed this from the XXXX credit report. I want to make sure though that they " Portfolio Recovery Associates '' also acknowledge that they HAVE XXXX ACCOUNT NUMBERS ( mentioned above ) that pertain to the same and ONLY DEBT OF {$16000.00} and that they will indeed remove these XXXX NEGATIVE AMOUNTS from NOT ONLY FROM THE XXXX CREDIT REPORTING AGENCY BUT TO ALL OTHER CREDIT REPORTING AGENCIES AS WELL. You can call and confirm with XXXX Credit Reporting Agency as well that this DEBT " Portfolio Recovery Associates '' is indeed time barred and last the California time statue of ( XXXX ) years. XXXX says they have removed this debt as of XXXX/XXXX/15 but want to confirm that BOTH ACCOUNT NUMBERS ( listed above ) FOR THE SAME DEBT ( {$16000.00} ) WITH THIS COLLECTION AGENCY " Portfolio Recovery Associates '' will be REMOVED and NOT JUST THE XXXX ACCOUNT NUMBER.