23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a charge on my apple credit card for something that I did not authorize. They have investigated twice they claim but have provided no documentation showing what the charge is for, where the purchase took place, or service that was allegedly provided. The charge is for {$72.00} and first appeared when I XXXX  and had no access to this account. I am a XXXX  citizen who is XXXX and was preyed upon and the credit card provider has done NOTHING to protect me against fraud and correct the issue other than make false claims it was investigated, but not providing any documentation of the investigation or so called charges. I want this removed from my card so that I can close this account immediately!!! I do not want to do business with a company that allows others to take advantage of their cardholders and affords them NO protection!
Product: Credit reporting or other personal consumer reports

I have reached out and they are not doing anything to correctl the problem
Product: Credit reporting or other personal consumer reports

I asked Experian to remove the fraud alert from my credit report. They gave me confirmation that it was removed. But that was a lie, it was never removed ; in fact, they added XXXX on the XXXX of XXXX without my consent. They also removed my address from my file back in XXXX  without my consent. I need this fraud alert removed from my account now so i can get accepted for an apartment. They've been constantly trying to get me approved but Experian keeps slowing down the process by not removing this alert. I need it gone! I don't have time to mail documents! I even uploaded information on their site, but they said they never received it, but I sent it last week. I need them to stop making changes to my account without my verbal expressed consent or written signed documentation from me!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to a wrongly added XXXX  to my credit report. I was in the midst of getting ready to file XXXX  with my state courts at one point but we canceled the paperwork and did not go through with it. I have many times over disputed in this inaccuracy on my credit report which each credit bureau XXXX, XXXX, and Equifax but each time they are saying that they verified is as accurate with the " creditor ''. I reached out to the court myself to verify that the XXXX  was not only inaccurate but they also informed me that they do not share any personal information such as XXXX with the credit bureaus even if i did file. Which in time I have noticed they have violated many of my consumer rights while also telling me that they will no longer be looking into the matter of my XXXX  because they did a second investigation with the creditor and marked it as verified.

15 USC 1681e ( b ) Accuracy of Credit Reports - states credit reporting agencies ( CRAs ) must ensure that the information on your credit report is accurate and up-to-date. If a XXXXXXXX  is reported incorrectly ( e.g., wrong court, incorrect filing date, or discharge status ), you can dispute the error.

15 USC 1681i- Right to Dispute allows me as the consumer to challenge inaccurate and unverifiable information on my credit report which they are now not allowing but also wont tell me who they are verifying this information with. Which if it is as third party 15 USC 1681s-2 Responsibilities of Furnishers of Information - states Entities ( such as courts or creditors ) that provide information to CRAs must ensure its accuracy.

Consumer Notification of Reinvestigation Results- 15 USC 1681i ( a ) ( 6 ) If you dispute a XXXX  and the CRA reinvestigates, they must inform you of the results. If the CRA can not verify the XXXX  with the court, they must remove it in which I have a letter directly from the clerk themselves telling me that don't share that information Which I will be attaching to this complaint. But lastly according to 15 USC 1681n and 1681o Civil Liability for Noncompliance I know I have the right to sue for damages, including Willful noncompliance : Actual damages, punitive damages, and attorneys fees & Negligent noncompliance : Actual damages and attorneys fees.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to address an urgent matter regarding inaccuracies on my credit report. Upon recent review, I have identified incorrectly listed old late payments on my accounts and wish to dispute this inaccurate information. I kindly request your prompt assistance in correcting or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not reflect my true financial responsibility. These discrepancies are the result of an error and require your immediate attention to rectify. The companies associated with these accounts have acknowledged the errors during our telephone conversations and assured me that they will rectify the issues. Please update the accounts below : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX
Product: Vehicle loan or lease

I already have one complaint in process. I received a call from XXXX XXXX ( Regulatory Compliance ) from Credit Acceptance Corporation. She called to let me know that an investigation had started from mynprior complaint. She began to ask me questions that already had documented answers. I have no time to be interrogated because of miscommunication with Credit Acceptance Corporation. Then to make matters more frustrating I received a letter saying that I owed {$150.00}. Please help in resting this issue. I do not wish to be contacted by them again
Product: Credit reporting, credit repair services, or other personal consumer reports

As I'm pulling my credit report on an account that was closed and sent to a collection agents. It is still adding extra charges to the remaining balance. Also the collection agency whom bought the debt states it sent the debt back to it's original owns due to some issues they was having. I am not aware of the extra charges until it is reposted on my credit statement stating my balance has increased by XXXX dollars. I have not gotten any updated information on this account with XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost all of experian information about me is wrong and when i told them to remove it they wanted to adjust the inaccurate information to be correct i told them, your kidding right that needs so instead they created another file insteAd of removing the inacurate info. Also they have the most basic things wrongs first of all my name on my id and birth certificate is not even on my file yet they have like XXXX alias listed not XXXX  is my legal proper name i told them if the name thats not on my social birth certificate and drivers lisence is not the name on your file remove it the told me i must tell them XXXX by XXXX each name u want us to remove i told no look at my social birth certificate and driver liscense i provided it and if it dosent match remove it later i got a letter that my submissions were inlegible or they couldnt see it because the images were bad which is balonge. Also my social security number listed is not mine its the wrong number so if the number they have listed is wrong why are there some many things in my consumer credit report that is connected to my correct ss number??? Once again how is there anything at all on my credit report if experian dosent even have my correct $ $ number the second digit of the last XXXX  of my social is wrong i told them and they created a XXXX profile now thats fraud i have XXXX credit report files at experian now and the us giverment wanted to use XXXX to verify people identidication i think they need to keep that in house .so they did not correct any information they have my incorrect name and social security number yet theres things on my file where the socials dont match to what they experian have on file also i paid for thedt protection one million dollar gurantee i suffered a financial loss because of idenity theft i tried to contact them to make a claim they just ignore me they ignored all my request to remove inaccurate things on my report and info. Yet they post things that have mismatched ss # on my report. No wonder i cant get approved for even a XXXX  dollar credit card experian has my social security wrong thats why everyone says they cant verify my information ugggh
Product: Credit card

Applied for a loan to pay off my credit cards. The bank approved the loan. When the bank paid off the credit cards, I found there was an unknown credit card, I never applied for this card in my name. I ask the bank not to pay it that I did not know anything about it. The bank paid it and since I had signed the paper there was nothing they could do at that point. I contacted Citibank and confirmed that it was a fraudulent account. See letter dated XX/XX/XXXX. I hired a lawyer who contacted Citibank on XX/XX/XXXX and again on XX/XX/XXXX by letter ( see attached ) and have not received any response. 
Please help me get my {$17000.00} paid back to me for a credit card opened and had been active without my knowledge or approval.
Product: Mortgage

On Monday, XXXX XXXX, XXXX, I sent a letter in response to a Notice of Collection regarding my mortgage servicer Ocwen attorney. In said letter, I adamantly disputed the validity of the ( amount XXXX unverified but allegedly owed debt, and requested a full disbursement/breakdown of that amount. I requested that the breakdown contain the accrual of interest, late charges, insurance fees, and any other applicable charges. Additionally, I asked for a full tax disbursement dating from XXXX ( or from the inception of the loan ). The property in question had Tax Reductions since XXXX ; so I asked that the following be specifically included:1 ) Disbursement XXXX Town Tax,2 XXXX Disbursement of XXXX School Tax XXXX and3 ) Disbursement of XXXX Tax. 
However, all that I have received to date are Closing Documents dated XXXX XXXX and a package of statements from XXXX and XXXX a huge gap XXXX to XXXX. These do not even slightly correspond to my request, nor do they substantiate the amount allegedly owed. Therefore, I reiterate my need and legal right to see the audit trail and applicable fees that supposedly add up to that exorbitant amount. THIS DEBT IS NOT VALID WITHOUT SUCH VERIFICATION. 

XXXX my disputation of the validity of the debt and my request for corroborative information were timely made ( within the allowed thirty XXXX 30 XXXX day period from receipt of notice ). However, I have not been afforded due diligence and good faith in reply, as I am still waiting for evidence of the debt 's legitimacy. Moreover, I have been notified by lawyer letters on my property in XXXX Court, New York. This action was commenced by your filing Notice of Pendency in XXXX XXXX XXXX XXXX XXXX, for a Foreclosure Notice, which has be given without first proving that it has legal warrant - i.e., I have not received the requested information. Therefore, adherence to regulatory procedures as well as to the standard established by the FAIR DEBT COLLECTION PRACTICES ACT ( " FDCPA '' ) in this matter has been inadequate and short. 

Accordingly, the law requires that this failure to adequately respond to my request be remedied before any further adverse action is taken.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX, Account name : XXXX  XXXX account # XXXX Account : XXXX Account # XXXX Account : XXXX Account # XXXX Account : US DEPT ED Account # XXXX Account XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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. 
Resources
Product: Money transfer, virtual currency, or money service

order from XXXX used paypal XXXX said they would issue refund but didnt reached out to paypal who i used to store and send the money to XXXX  only for them to close my dispute saying i never sent supporting info the email address i used to sign was XXXX this is just crazy Info provided by the seller XXXX XX/XX/2022 at XXXX XXXX Tracking info provided by XXXX XXXX Shipped by Other Case ID : XXXX Disputed amount : {$530.00} USD Seller info : XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date reported : XXXX XX/XX/2022 XXXX ID : XXXX
Product: Prepaid card

I was given an American Express gift card for XXXX loaded with {$50.00}. Today on XX/XX/year> I've tried to use the gift card at various common vendors such as XXXX and XXXX and it has been declined every time. When I contacted customer service they said that the reason was due to the vendor not requiring you to input the full card details including the security code and expiration date. They also told me to try using it with different legitimate vendors or use it physically, but they couldn't explain why they allowed a {$0.00} transaction from XXXX but declined everything else.
Product: Credit card or prepaid card

My wallet and phone was stolen they took out a loan in my name also deposit a fraudulent a check in the account which closed and spent money on my upgrade card this all happened around XXXX XXXX XX/XX/2021 / upgrade card XXXX XXXX loan
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 : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, TN CHILD SUP : # 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: Student loan

I am in the Loan forgiveness program and the system is saying I have 7 more payments to qualify for the forgiveness. When in reality I have paid 7 more payments then necessary. Every representative that looks at my case states the same thing " I should be beyond the requirement. '' From first contact persons to supervisors. The supervisors have submitted for expedite my case for review ... but this has not happened. I started communications in XX/XX/XXXX and still being advised that once some one will look at my case it still can take up to 13 months. Also I was advised to submit for Temporary Expanded Public Service Loan Forgiveness ( TEPSLE ) Since I qualify for that since my loan forgiveness application was denied. So I did that, but again they tell me I will just be put me on a waiting list to be reviewed for that program, but may be faster. 
In closing I have in good faith did exactly what the program said to do and now feel like no one can help me even though the people I have talked to tried. It sounds like there are others in the same situation that I am. Hope you can help.
Product: Checking or savings account

In XXXX, we relocated to XXXX from XXXX and we opened a bank account at XXXX XXXX  XXXX XXXX, MA. We have been using the account for many years and we always kept it in good standing as our credit history demonstrates. In XXXX, we moved back to XXXX but we agreed to keep the account open. We informed the bank of our change of address and they updated our contact details in their system. We continued to maintain and access the account online without any major concern, and we continued to receive monthly statements that were mailed to us in XXXX. In XXXX, XXXX XXXX  was acquired by Peoples United bank. 

Following the acquisition, our online access was terminated and since then we have not been able to access our account online. I have contacted the bank several times and requested that they set-up our online access again to allow us to monitor the account and perform transactions, but we were informed that due to the fact that we don't have a residential address in the US we are not able to access the account online. They also informed us that would would have to take a trip to XXXX and visit the bank in person if we wanted to make any transaction or close the account. However, we continued to receive monthly statements by mail. In XXXX, we were informed that Peoples United bank would start charging {$3.00} per statement sent by mail and we've been debited {$6.00} per month since then. 

The inability to access our account and funds is a clear infringement to our rights as a customer of a XXXX XXXX. I have sent a message to the bank using their website informing them that we would log a complaint with cfpb but we did not get a reply.
Product: Checking or savings account

On XX/XX/year> me and my fianc went to chase back in XXXX XXXX XXXX the put it in my account and they said we have to wait 10 days for it to cash in my account. So we waited them 10 days. I seen it in my account on XX/XX/XXXX, it was in my account. So I went to the bank and I was going to cash out some money and the banker told me that my account was frozen and I couldnt touch it. It couldnt do anything. I went on XX/XX/XXXX to do that and I had asked them why it was frozen and why I couldnt touch any of my money Had called the fraud prevention people at the branch and he said because they needed to verify the third-party so I was working to do that. I got the attorney to verify it and my fianc to verify himself, even though he did that when we went to go cash the check to put it in my bank account. They called him because they said that that was what they needed to do to verify him by his phone number they called because he didnt speak XXXX, he speak XXXX. They hung up on him and Ive been to the branch three times then on Tuesday, XX/XX/XXXX I was in the branch from XXXX to until XXXX And they they had told us everything was verified and everything was OK and that we had to wait 3 to 5 business days for the check to be deposited in my new account that we had to make and on Thursday, XX/XX/XXXX, I get a text message around XXXX oclock that they said that my account is in transaction of being closed the new one that we had made on Tuesday and that fragile activity going on and I go into the branch today Friday, XX/XX/XXXX at XXXX XXXX  we were on the phone with the fraud prevention people until XXXX and they said that everything that happened on Tuesday was a lie that the check was never verified and its not going to be released and that the check has been cashed through Chase and that they said that the money is just floating around until they can verify it when everything is been verified with the third-party person and the owner of the check.
Product: Credit reporting or other personal consumer reports

I am having identity fraud an someone is using my info to apply for credit cards loans cars and more they have put 24 hard inquiries on my credit report took out 2 loans an phone accounts. They have changed my passwords to hack emails and changed phone numbers putting a bunch of notes in my credit report. Ruined my credit I was fixing an had almost a XXXX score and rebuilding on XXXX now it's XXXX I need help no one is helping fix this an now using my government account I don't know the phone number an email passwords to the accounts because I have been hacked how do I fix this an change my account with all proper information and rid the incorrect information on my report do to fraud I have dispute over an over they even stolen my XXXX account information but XXXX won't shut the fraud account down an credit karma was hacked and they wasted about 5 hours an still can't access it please help getting back in my accounts an rid inquirys 24 fraud an repeated attempts for same credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 




15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act DP of EDUXXXX, Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have right to privacy. 

15 USC 1681 Section 604 A Secrion 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Payday loan, title loan, or personal loan

Around the end of XXXX or early XXXX I called them to let them know I was still having trouble paying the monthly payment due to loss of income because of COVID 19 crisis. I Called them two times after this to follow up and they told me they were still working on this and they would get back to me. I never received a response from them until now on XX/XX/XXXX. I receive an email as a charge off letter. I called them immediately and told them I had never received any response from them prior. They said they had sent me emails saying they were offering me a re-age program which meant put late payments at the end of loan so I could start fresh now on XX/XX/XXXX. I reiterated I never received this email, never in my spam fielder either. They said they could not do anything because account was already charged off. This could ruin my credit for 7 years and I do not want this to happen. If I would have been informed properly I would be paying this loan right now.