23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Exactly sure what the issue is there is an address a physical address that you can mail to dispute or if you have a question or anything like that theres a physical address to contact the credit card the bank will. I use the one specifically for disputes and fraud I wrote a very detailed letter explaining that my phone was lost, someone had access it and the card that I wan na start the investigation on was on file and thats how they got access to it and they charged up a bunch of stuff all from one website but so far they have not started the fraud investigation I dont know what else they could possibly need to know and if they do need to know something else why havent they sent a letter asking me lets not make this more difficult than it needs to be. Just send me a letter with XXXX however, many questions you have so I can answer them. I dont wan na do it over the phone because I want there to be a paper copy. I want there to be a paper trail so that, if down the road, we still continue to have this problem I can show that Ive done my part. I have attempted for over a month now to start this fraud investigation and Im going to be very upset if you start to report my account past due or you start charging me finance charges on something it doesnt belong to me if you have a question ask Theres absolutely no reason why I have to call you XXXX. You can send an email. You can send a text. You can send a regular letter but the balance should be disputed this fraud. I did not make any of those transactions. They are all from the same company. I have never use this card. We got it, not long after this happened. We never had an opportunity to use it so the card should have a zero balance at this point we should not be liable for any of those charges. We did not make them. My authorized user did not make them know. I didnt give anyone permission to make them. The card was on file and they found my phone they were able to login because XXXX remembers all your passwords, in this case it wasnt so
Product: Credit card or prepaid card

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following accounts : Acct name : XXXX, Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. 

I still have not received written confirmation of these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureau filed dispute I contacted the biller they have no initial account under my name or verification. I have several hard inquiry that shouldnt be on my credit report my credit report should be locked unless open by me. There some one that try to initial tried to apply for loan for vehicle under my name and also applied for mortgage loan which I never applied for thru any loan and credit card or line of credit company. I have had my Identity taken before it in the XXXX XXXX XXXX courts XXXX someone was using my Idenity to commit Idenity theft using my name to gain access to bank banks mobile service, buy a car, buy a house and gain credit cards start business gain a copy of my cosmetology license to practice hair under my name using my name S S and address with a different mailing address its all financial gain.. They even gain access to full amount to my unemployment full payment from XXXX for the pandemic. I been through criminal civil charge due to this person using my name for criminal Identify theft. The only reason case was dismissed driver license picture and fingerprints were no match. My phone and personal belongings were stole from hobby lobby as being customer at there store and my purse was stolen from car in XXXX and XXXX XXXX with a police investigation to my complaint I had made a police report of my stolen property token from my car. This was file thru the courts through consumers and 3 credit bureaus from the courts that Im victim of Identity theft. Several individuals using my personal identification and verification for gain financial., I would like all discrepancies of hard inquiries removed mortgage and disputes removed from my account I provided all information unless need to file with courts on this complaint
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WI
THIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Money transfer, virtual currency, or money service

I am using cash app and it seems the whole network is shut down. It will not allow me to use my card or transfer funds. I tried contacting customer support today ( XX/XX/2020 ) and the entire system is crashed, customer support included. I have {$1600.00} on the account that I can not use. Their site says suspicious activity was detected but they never contacted me about it, they just closed down the site and blocked me from using my money. They need to contact customers and let us know what is going on and when the issue will be resolved.
Product: Debt collection

called me on a private number and said i owed a payday loan and they had XXXX feloney warrents for me and they would require a XXXX dollar secured bond and then she gave me a number for an attorney that was handling the case this occured one week ago i contacted the nc attorney general office and they said it was a scam and do not try to negociate with them
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists of, XXXX XXXX XXXX, JEFFERSON CAPITAL systems, XXXX XXXX XXXX XXXX, XXXX XXXX. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
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, XXXXEFFERSON CAPITAL SYSTEM has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 ) ( XXXX ) 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 or other personal consumer reports

Experian requires a membership in order to freeze or thaw credit reports. Once a membership is created, they will not let you unsubscribe from email solicitations & do not include an unsubscribe button in any emails. After onerous digging on their website ( https : //www.experian.com/privacy/opting_out_email ), Experian claims to let you unsubscribe but refuses to comply after unsubscribe emails are send. You can not remove your membership or these emails without unlocking your credit report. They do not honor even mailed requests to be removed from emails. Experian seems to be abusing the law & forcing these alert emails, which are just thinly veiled spam emails. I want an option that allows me to exercise the right to protect my credit report without getting spam emails.
Product: Mortgage

I submitted a complaint # XXXX on XX/XX/XXXX ; Ref : Guild Mortgage - the complaint was on a Conventional loan not a VA loan. They sent you incorrect information - the information you received was a VA loan when I purchased my home on XX/XX/XXXX. I purchased a second home in the same year in the same neighborhood ; I had to write a statement on why I was purchasing a home in the same neighborhood in the same year ; I was told that there was a special program for my XXXX XXXX Son ; but later I found out that there was no special program with a lower interest rate ; the statement should be apart of the loan documentation for as I know. My complaint is the Conventional loan on XX/XX/XXXX. I am also having a problem cancelling my PMI ; I have written Guild Mortgage several times trying to cancel the PMI on this conventional loan. 
I have submitted documentation to Guild Mortgage to cancel my PMI on this property and I am going back and forth ; I paid for a MPO ; I sent the {$150.00} for the brokerage appraisal ; it was appraised at {$86000.00} ; there is no house in this neighborhood appraised at this low price, all the home are {$98000.00} plus. I did not agree so I was told that I needed to send 3-5 homes that was sold in the last year of the MPO. I wrote back and now I'm in the process of sending Guild Mortgage 5 houses that have sold in the last year ; I will upload this information as soon as I gather the market analysis to send back to Guild Mortgage. This has been very stressful and I am tried, I am a XXXX  Veteran and I am not always able to write letters back and forth ; but I tried to answer as soon as I am physically able. Thank You!
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent, inaccurate information on my credit report. I have requested that they provide the purchase agreement with my wet signature and ID verification to prove full ownership of such account, which was not received. I am not liable for this debt of {$2700.00} with National Recovery Agency Account Number : XXXX. I do not have a contract with National Recovery Agency, nor have I given them written consent to furnish anything upon my credit report. They did not provide me with the original contract as I requested my wet signature and ID verification.
Product: Money transfer, virtual currency, or money service

I have account with wells Fargo that they claim they don't see I'm having problem getting into my mobile to look at some old statements they claim they don't have them anymore I haven't received my money from the investment I had with wells Fargo cause they close accounts I believe I'm under identity thief all I want is results
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madame I previously filed a complaint, case  XXXX . The account is now closed however I disputed the companys last response. Their last response was explaining what the origin of the loan was and dates it was charged off. I understand the account was mine and where it originated from that is not my complaint. I do n't agree with the fact that they are still trying to collect on a charged off account and tht after 7 years they still have the right to report on my credit repor ts. Generall char ge off accounts are allowed up to 7 years to report. I want to know how cnan they stil be legally allowed to report this on my credit report and if it is a charge off why are they still trying to collect on this after 7 years. When will they be removed from my credit and what is the legal time allotted to report on my credit for this charge off?     Thank you  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised. A group of knowledgeable players knew this a month ago and said nothing to 45 % of Americans. But they sold their stock in Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried the CreditKarma website to check my credit scores. They do not use the same scoring formula used as the 3 credit reporting agencies. My credit score is not accurate with them and gives people false hopes to apply for credit to learn that their score is way lower than what they show. They always list recommendations for your score to apply for certain credit products.
Product: Debt collection

In XX/XX/2018 I settled this debt with the company 's attorney XXXX XXXX XXXX ( after I had to file a CFPB complaint against them ). Recently a lender pulled my credit and this account is still showing that I owe money. They are also reporting every month as if I have missed a payment for over 2 years. I attached my email chain with the company stating that the payment was for a settlement in full and also that they received the payment.
Product: Mortgage

Hello, My mortgage company made payments to two different insurance companies last year even though they were notified of the policy change. Now I have a large escrow payment that they are requesting from me. They tell me is not their responsibility and that Im the one who needs to pursue a refund. How can a mortgage company just disburse payments without notifying us, how can they not be responsible for a refund to my escrow account if it was their mistake. Please assist me with information as to how we can proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX & XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$52.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a letter about a garnishment order for a debt from XXXX XXXX. I had wages garnished the same day I received the letter as that was a payday, with no opportunity to stop it. This happened XX/XX/XXXX. 

I called the number in the letter the same day. XXXX, who answered, told me this debt was an online loan made XXXX XXXX, XXXX. There is no record of collections on my credit report, or of this loan. XXXX told me I need to fax or email copies of my bank statements from XXXX XXXX to her company, Apex Servicing, and also file a police report of fraud and send that information. I have not and will not do either. However, my employer said they have to comply with wage garnishment orders and are not sure I will get my wages back. I have since researched both Apex Servicing and XXXX XXXX and found they have been reported to be fraudulent debt collectors. It's incredibly unjust they were able to have my wages garnished with no advance notice and with a false claim of debt owed by me. 

Also the email received says the loan agency is XXXX XXXX, contrary to what it says in the letter mailed that identified them as XXXX XXXX. They didn't even keep the loan agency name the same.
Product: Checking or savings account

I tried opening a checking account with Bank of America and i was told i couldn't open an account because i already had one. When i spoke with the rep she mentioned the wrong name on file when she ran my social security " XXXX XXXX ". My name is XXXX XXXX and i would like that information permanently removed and updated. It is causing me issues in obtaining a checking account. 

Who the bank has on file is not me.
Product: Checking or savings account

On XX/XX/XXXX, I filed my card had been misplaced. That same day a charge in Florida was made of XXXX that was not authorized by me. On XX/XX/XXXX, A XXXX  transaction was sent to a XXXX. I have no clue who this is as I live in New York. A few days later, two payments of {$50.00} were sent to a XXXX. Later two payments of XXXX were sent to a XXXX as well as two more payments of {$50.00}. All totaling to over {$610.00} from these XXXX  transactions. I called chase multiple times and was helped by some rude representatives as well as very helpful representatives. They hung up the phone after I asked to speak to a manager. They invalidated my dispute because The charges were said to be made by my phone and using my face id. When the exact same face id they claim was used, can be used by using a picture to log into my chase account. I have contacted multiple departments and no one has been able to help. I wanted to close my account with chase and move to a different because of their upsetting customer service, but I have multiple payments set to this account and want to give it my all before i do that. I love banking with Chase but it is not worth losing {$600.00} that I could be using for my vet bills.
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 customer rights to privacy and confidentiality under 15 USC 1681. 

List the account name here with the account # XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a customer reporting agency can not furnish an account without written consent.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 Equifax had a security breach which provided my social security number and other identifying information to " hackers ''. They never notified me of this breach. I learned of it 6 weeks later by reading the news! Are they kidding me with this?
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach, where my personal informationalong with millions of otherswas compromised. These accounts need to be removed immediately as they are defaming my character and damaging my creditworthiness. Ive repeatedly disputed these accounts, but Equifax continues to focus on requesting my personal information, despite their track record of mishandling sensitive data. As part of the millions of Americans wronged by their negligence, I refuse to be victimized again. 

These accounts are a violation of my rights under the Fair Credit Reporting Act, 15 USC 1681 602 ( right to privacy ), 604 ( a ) ( 2 ) ( requiring my written consent to report account info ), and 15 USC 1666b ( payments on open-end credit accounts can not be marked late ). I demand immediate removal of these items from my report. The stress and health issues Ive endured while fighting these errors have been exacerbated by Equifaxs failure to ensure proper security. I, as a consumer, have a right to accurate reporting and expect immediate resolution.
Product: Credit card or prepaid card

I used CareCredit for a dental procedure XX/XX/XXXX for a 12 mos same as cash offer. I calculated what amount would be needed to completely pay off the creditor before the promotion ended. 
I was going to get a XXXX from my XXXX XXXX  doctor but was concerned about the possibility of problems with paying for a new same as cash account while the other was still active. I called CareCredit and they informed me that the previous contract is always paid first and then the payments are applied to the second contract when the account is paid in full. I called them between XX/XX/XXXX and XX/XX/XXXX. 
I went ahead and had the elective XXXX in XXXX before the XXXX   contract was paid. I could have waited until the XXXX  procedure was paid in full but since CareCredit said they would pay my XXXX bill first, I had the XXXX. 
I got my bill after paying extra for a few months since my XXXX XXXX and the payment was being applied to the new contract making the old contract retain a high balance and only paying a few dollars on it. 
I called CareCredit customer service and they said they never told me that. I needed to call the XXXX doctor about the contract they put me under. I called the XXXX doctor 's office and they told me there is a min. payment due but they do not know the amount. I called CareCredit customer service again and asked for them to please listen to the recording of the representative between XXXX XXXX and XX/XX/XXXX. They said they didn't have any calls from me except my initial call on this complaint yesterday. They lied. I know I called because I wouldn't have done the procedure if it wouldn't have been as they had told me. They lied to get me to use their financing and then couldn't find the call when asked to verify. This is unfair for consumers. Please look into their practices so no one else is cheated and if they couldn't afford it would get all the back interest added to their account at the end of the term as they have tried to do with me. Most do not have the money upfront otherwise they wouldn't use this same as cash option.