23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

They over charge me for one XXXX on finance for XXXX car they kept different amounts behind when they wasnt go from trans to XXXX every 2 weeks I had the car 3 1/2 years seems like my amount never went down they been fraud a lot people and dealership did some things from looking at my paperwork
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX XXXX, Account # XXXX Sunrise Credit Services , Inc, Account # XXXX XXXX XXXX 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 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 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

Equifax improperly protected my credit information from unauthorized users. The solution they are offering is 90 days of credit monitoring which is preposterous as this information is in the hands of hackers and thieves and can be used at any time during or even after my life time. This is incredibly frightening to me. When a company values protection and privacy this little they have to be made to protect they people that are effected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXXas violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Product: Credit reporting or other personal consumer reports

At least 5 incidents. Every time I've used Experian for a " free credit check '' ... The company takes your CC #, then signs you up for an expensive credit monitoring service, without clearly explaining this. Then when you try to cancel the service... Experian keeps charging your card anyway. Every contact and complaint to Experian directly, is totally ignored. 

Eventually you have to contact your CC company, and send them the screenshots showing what has happened, and your cancellation attempts. Your CC company has to refund the XXXX and cancel the service on your behalf. Often the Experian charges continue, and you have to repeat the entire process again. Your CC gives up, cancels your card and issues a new one. This results in a lot of wasted time, XXXX and effort. Other bills have to be updated to the new card #, and sometimes late fees occur before every bill can be updated. Over the years, this never changes. Yet Experian has found new ways to trick consumers into their scam, by having the public sign up for a " free credit score '' etc. through different company names, then after there's a billing issue, it's discovered it's really Experian. 

I've had countless screenshots over the years of this... But not readily available atm. 
But, I'm sure I'm not the only consumer who's complained to this agency, as the internet is full of identical complaints to my own... So why does this agency still allow Experian to even exist??? They are a full scam. They hold SSN, dob and sensitive data. They effect FICO scores which effects too much in people 's lives. They really should've been shut years ago. How am I still needing to go through all this again and again. They're literally hiding under other services ' names, because no one trusts them. End this madness. I'm out of time and effort to spend on this nonsense. Experian is not a government agency ... Why do they have so much power, and who is giving them authority? Any other company who had this many complaints of financial scam, and held personal data and power over all lending and credit ... Would've been shut down. So, that's it... Shut them down.
Product: Credit reporting or other personal consumer reports

To Whom it may concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you please delete immediately when the requested above deletions are made please mail me an updated copy of my credit report. I was also wrongly steered into forbearance by XXXX am also a victim Account XXXX : company name - XXXX account # XXXX Account XXXX : ( company name + XXXX  account # XXXX
Product: Credit card or prepaid card

Around the end of XX/XX/2019, I applied for American Express Delta Skymiles platinum card which they advertised that if I spent {$3000.00} during the first three months, I would get introductory bonus miles of XXXX. I paid {$190.00} annual membership fee on the 1st statement. 

Because of the COVID 19, I didn't get a chance till today and found that I didn't receive any of the above mentioned bonus points at all. After I called Amex card customer services, they did agree that I did spend more than {$3000.00} during the first three months, however, the reason I didn't received the bonus miles is that I was not eligible. 

But I never received such a notice this and why I was not eligible, and my whole point of paying {$190.00} fee was based on the XXXX miles. I would never get such a card with {$190.00} membership ship without the introductory bonus miles. 

When I asked if/when/how they sent me a notice about my not being eligible, they couldn't find any information, saying it was a while ago. 

When I asked to cancel my membership and get my {$190.00} back that I paid initially, they said they can't do. 

I think it's deceptive for a credit card company to try to lure people into applying a card, deciding not to give the advertised bonus miles, and keep the consumer in the dark about it the whole time.
Product: Debt collection

XXXX XXXX XXXX, have sent a letter to my job in regards to garnishment for student loans and have already garnisheed 2 paychecks. I have never received and documents from them prior to them contacting my job. Then when I called they told me that they would stop the garnishment once they send out a letter to me and I have 30 days to respond. However, they just garnished another paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of ID theft. Equifax is aware and does nothing. I have contacted them thru the Consumer Affairs division and with reps and supervisors. 
I filed fraud with Equifax and submitted ALL the requested documents for fraud. 
Equifax is violating my rights as well as others with their failed verification of debts and fraud accounts. I file FTC reports and fraud for fraud inquires. They refused to remove them stating they are " statements of facts ''. Thats incorrect when they are fraud and the vendor has no permissible purpose of legit purpose for pulling and for credit in which I didn't not lawfully apply for. 

Equifax failed to provide documents as requested asking how an account was verified, who verified it, and what methods were used. Nothing was provided and thats against FCRA Law. The fraud accounts in question go against Metro 2 guidelines.

The fraud alert listed on my file IS WRONG and they refuse to allow me to update. They advise me they can't verify my identity. Not sure how they can't being they have ID on file, SS Card, and FTC reports sent to them. They make it impossible to deal with and remove fraud info. Litigation is being sought against them and will seek damages as allowed per law. They have been sued previously for the exact same thing and they LOST. 

A fraud account that is list is Duvera Billing ACCT 57 and they show the same account and balance as a charge off 2 times. The creditor who reports this NEVER provided debt validation or verification to me in writing as requested. Equifax leaves a fraud account and says its verified. The creditor has no signature, no copy of ID, no payments made to the account. The payments made that the creditor verified to me were ACCOUNT UNABLE TO LOCATE/NOTHING FOUND. The creditor said they verified it is fraud and requested it to be removed, yet Equifax failed to do so. Equifax has no reps who understand FCRA laws and guidelines. They leave information to ensure they can collect monies from the reporting companies. XXXX XXXX and XXXX deemed accounts as fraud and blocked the information immediately as should EQUIFAX.. 

XXXX XXXX is also listed and the account is past the statue of limitations on reporting. It is fraud and was removed and blocked again by XXXX and XXXX XXXX ACCOUNT # XXXX ... I have a open and current account with them and they stated they asked for this to be removed, however EQUIFAX refused to do so. 

They need to remove the inquires from my report, as I have not applied for credit and they were notified of those that were fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date opened XX/XX/ 2017 Balance {$940000.00}
Product: Mortgage

This is a REBUTTAL of XXXX XXXX 's Answer to my Case # ' : XXXX XXXX XXXX XXXX., not in it 's individual capacity but solely as " trustee '' for the XXXX Trust, Series XXXX states that they are " NOT THE APPROPRIATE PARTY TO ADDRESS MY ISSUE ''. 

Well, If XXXX XXXX does NOT want to be involved, WHY then did they file a FRAUDULENT PROOF OF CLAIM via their attorney, XXXX XXXX XXXX in my Federal Bankruptcy Case, stating that they were the 'CREDITOR, AND NOTE OWNER AND HOLDER " of my Deed of Trust, and Note, that secures my property. They are HELPING / ASSISTING Passively, as a " XXXX XXXX '', as " Trustee '' .... for the Servicer, Rushmore Loan Management Services LLC. to FRAUDULENTLY, ILLEGALLY AND CRIMINALLY STEAL MY HOME ON XX/XX/XXXX!! 

SO TOO BAD XXXX XXXX, THAT YOU DO NOT WANT TO BE INVOLVED!! BY YOUR PASSIVE AGRESSIVE ACTS YOU SURELY ARE INVOLVED, AND GUILTY OF CRIMES AGAINST US!!!!!!!!!! 

NO MORE EXCUSES!! 

I DEMAND THAT YOU STATE, HERE AND NOW, THAT YOU ARE NOT THE " CREDITOR '', HOLDER OF MY NOTE, HOLDER OF MY DEED OF TRUST, NOR ARE YOU THE TRUSTEE FOR THE XXXX TRUST, SERIES XXXX '' WHO IS ATTEMPTING TO ASSIST IN ILLEGALLY STEALING MY HOME AND ENRICHING THEMSELVES. 

DENY YOUR ROLE, RIGHT HERE, RIGHT NOW, IN THIS CASE - DENY BEING THE 'TRUSTEE '' FOR THE XXXX TRUST, XXXX XXXX REGARDING MY NOTE/LOAN # XXXX. 

SWEAR, UNDER PENALTY OF PERJURY, THAT YOU HAVE NO INTEREST IN MY HOME LOAN/DEED OF TRUST, ECT ... AND THAT YOU ARE IN NO-WAY ASSISTING RUSHMORE LOAN MANAGEMENT SERVICES LLC., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, OR ANY OTHER ENTITY IN FORECLOSING ON MY HOME ... 

DENY THAT REPRESENT XXXX XXXX XXXX. AS TRUSTEE FOR THE XXXX TRUST, SERIES XXXX.
Product: Vehicle loan or lease

To whom it may concern, I have sent XXXX XXXX XXXX by certified XXXX on XX/XX/2022 requesting validation of account by law proof of said account that I owe XXXX or had any legal obligation to pay them. 

It's now been over 30 days the required time limits for this account and I have not been provided with any proof by this company on paper bearing my signature that I legally owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried a few times now to get this false name off my report. XXXX XXXX XXXX was never a legal name for me. Equifax had this name on me for 3 years. Now after they half-heartedly corrected my name to XXXX XXXX XXXX, they are still sending me mail in this fake name. I have attached the document I received in the mail today, XX/XX/2019, that is addressed to a made up person, or possibly somebody has this legal name, I do not know. I STILL need this false name off my record. I have had difficultly clearing security with Equifax over the years and I wonder if it is because some false information is reported on my account. I already reported to them every identifying piece of my identity and they still refuse to call me by my legal name.
Product: Student loan

I was trying to make payment several times but all of them got reversed. I have contacted my bank to investigate and they told me the money was never taking out of the bank. I want to pay my loan in full but now I can not even pay the interest just because the payment is keep on reversing.
Product: Checking or savings account

I opened up this checking account on XX/XX/XXXX, for the bonus promotion. I deposited {$100000.00} on XX/XX/XXXX and held the deposit in there for over 60 days ( which was required to get the bonus ). I should have received a {$1500.00} bonus per the terms and conditions of the bonus. It is now XX/XX/XXXX and I still have not received the bonus. Please credit my {$1500.00} bonus as the terms stated.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A collection account opened at XXXX, XXXX, XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

XXXX  of the benefits with the  XXXX   XXXX  card is earning  XXXX  status after spending {$50000.00}. Under the benefits document and everywhere this benefit is explained, it says : " You 'll qualify for  XXXX  after you make {$50000.00} in net purchases that post to your  XXXX  billing statements. '' Sending multiple messages to customer service and calling in, all agents I spoke to said the spend is based on purchases posted to a calendar year,  XXXX   XXXX  through  XXXX   XXXX . This is contrary to the advertised benefit, which states purchases that post to the  XXXX  billing statements. My  XXXX  statement closed on  XXXX / XXXX / XXXX  which means all purchases made in  XXXX  after that date posted to the  XXXX   XXXX  statement. Thus, all purchases made between  XXXX  and  XXXX  count towards  XXXX  status for  XXXX . I have been denied the status after many attempts in explaining the wording and how I am indeed eligible for  XXXX  based upon my spending between  XXXX / XXXX / XXXX  and today.     Purchases posted to following statements :  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX .     If calendar year spending is what is truly intended, then the wording needs to be changed. I made several large purchases at the end of  XXXX  which I could have held off on if I knew they did n't count towards  XXXX . In any case, based on the wording and my interpretation of the benefits explained, I have met the {$50000.00} spending requirements.
Product: Bank account or service

I signed up for a keybank easy checking account for a {$250.00} promotion. The promotion details indicated use direct deposit for {$500.00} or more within XXXX days to get the {$250.00}. I called once I had completed the required {$500.00} and was told yes i have met my qualification and would get the {$250.00} within the next few months. 
I emailed yesterday inquiring about how long it is taking to get my {$250.00} to ensure it is still on its way and was told I did n't meet the promo criteria because it is a single direct deposit for {$500.00}, not direct deposits combined to equal {$500.00}. I called to advise this is deceptive and has now caused harm in my inability to do a single deposit for {$500.00} to meet the qualification as the window of time has past. The representative told me that I did qualify when I spoke with her today, but when i pushed for clarification she did confirm it needed to be XXXX transaction of {$500.00} or more. XXXX I have called and been told yes i qualify, but finding today I actually do not. This is deceptive and unfair as now I am not able to fulfill the terms, due to misinformation provided by key bank.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that multiple over 30 day late payments were reported on an account of which specific payments were not over 30 days late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I was not over 30 days late on these payments reported by XXXX XXXX, account XXXX between the years XXXX and XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be.
Product: Debt collection

Credit Collection Services XX/XX/year> {$73.00} XXXX XXXX XXXX XX/XX/year> {$110.00} XXXX XXXXXX/XX/year> {$110.00} XXXX XXXX XXXXXX/XX/year> {$480.00} XXXXXXXX XXXX  XX/XX/year> {$620.00} XXXX XXXX XXXX XXXX XX/XX/year> {$980.00} I have never engaged nor negotiated any contracts or agreements with any of these companies listed above yet they continue to show as collections on my credit report which has hindered my ability to get fair credit opportunities.
Product: Credit card or prepaid card

I purchased a card at XXXX from NetSpend as advised by my title loan company to make my monthly payment. I purchased the card at XXXX in XXXX, Mississippi and loaded XXXX $ on the card. When I called Netspend to try to activate the card, I was told that I had an account with their joint company Skylight. I advised the agent that no I had never had such an account, the agent advised me that it must be a problem with identity theft and that a report would be filed. The agent 's name was XXXX and his id number was XXXX. I also asked to speak to a supervisor, XXXX ( agent id XXXX ) a supervisor with Skylight then came on the line and stated that a refund check would be mailed to me in the amount of XXXX. And the check would arrive within 5 to 7 business days. That was a month ago, and I have called multiple times to no avail. This company has stolen my money and refuses to refund my money.
Product: Vehicle loan or lease

This is what I am dealing with in cpi refund where my truck was repossessed and now wells fargo is saying no to outside arbitration. The two letters attached show you just what is going on in a way words could not tell. I am owed XXXX and there doing nothing but lying to me lying about facts and it has been from day 1.
Product: Credit reporting

In XXXX I mailed via certified mail a letter to the XXXX credit bureaus a letter listing a total of XXXX accounts that were fraudulent, the following accounts were sent : XXXX XXXX, XXXX XXXX Bank as well as XXXX XXXX. I submitted a complete Identity Theft Packet, which included a letter itemizing the accounts that were fraudulent, a copy of the credit report circling the fraud accounts, a police report, an ID Theft Affidavit and lastly a copy of my driver 's license and social security card. XXXX deleted the accounts, however Equifax has done nothing with the information I submitted to them. I called Equifax today, XXXX XXXX, and they have done nothing with the documents initially submitted. They also refused to comply with the FCRA in regards to them placing a block within 4 days of them receiving documentation of fraud. I have spoken with various representatives and supervisors there who refused to comply with the law. I spoke with XXXX XXXX representative XXXX, XXXX XXXX representative XXXX, XXXX XXXX floor Supervisor ), and lastly XXXX XXXX Supervisor of XXXX XXXX ) all of which are in the Fraud Department. Please help as they willfully violate the law!
Product: Mortgage

My loan was with XXXX XXXX  it was sold to Shellpoint mortgage in XXXX. I recieved a notice from the taxing authority that my property taxes are delinquent.
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 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. 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 to any consumer reporting agency if the person knows it has reasonable cause to believe that the information is inaccurate.