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

On XX/XX/XXXX, someone got into my Wayfair account, changed my password, and ordered some items. I got an email from Wayfair thanking me for my order on XX/XX/XXXX. I immediately called Wayfair and Citibank to report the fraudulent charges. All the efforts to resolve this issue over the past few months are outlined in a letter I sent to Wayfair Citibank Security Operations on XX/XX/XXXX which I have attached. The fraudulent charges have been removed, however, I was charged interest charges on them and continue to get late fees added. I never got any acknowledgment of this letter. Basically, they have finally removed the fraudulent charges, but continue to send me bills with interest and late charges incurred because of these charges. I have not had a legitimate charge from Wayfair since XXXX and that bill was fully paid. I have received phone calls, mailings and emails from Citibank trying to collect on these charges. Typically what happens is I get told to wait another billing cycle for the charges to clear and can't seem to get anyone to understand that these charges are all fees related to the fraudulent charges that need to be removed. On XX/XX/XXXX, I finally got transferred to an agent named XXXX that could clearly see that these charges should go away and she was able to remove the charges because it was a Saturday and she had that ability because the security folks don't work weekends. I was so hopeful, but when I got the XXXX bill, some charges were removed, but some weren't and another late fee was added! Called again on XX/XX/XXXX. After 4 transfers and 53 minutes on the phone, I spoke with a XXXX that again saw that the charges should not be on the card and she would " escalate '' the case. The XXXX bill comes with no changes and another late fee. Called again on XX/XX/XXXX. Get transferred to someone named XXXX who confirms my balance should be XXXX, that he gets XXXX of these calls a week about late fees and interest fees incurred on fraudulent charges that shouldn't be on bills, that he has a 95 % success rate on getting them removed by escalating them to the proper channels, and they should go away in 7-10 days. Well, its been 20 days and I am getting harrassed by Citibank through phone calls and emails to pay my bill. After at least a dozen phone calls, a drop in my credit score due to Citibank, and numerous promises that this will be resolved, I don't know what else to do. I have been told at least 3 times that my case would be escalated to the proper department to resolve this, but I can't see that that has happened. I even had one person from Citibank suggest I just pay the interest and late fees!
Product: Credit reporting or other personal consumer reports

Equifax is not accurately reporting my consumer information. I have provided proof of my identity and Equifax will not accurately reflect the information which is causing me to be denied for credit.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$2800.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have submitted several request disputing collection agency information on my file, for XXXX XXXX XXXX. this is not my debt. I also have open a full investigation against this company. As you can see on the attached information i forward to collection agency & Equifax yet they both continue to report incorrect information on my credit. This is the apt complex responsibility not mine and you can see on the county fire report it states in undetermined. Apt complex all copies of report and so does their district manager. XXXX XXXX. I 'm trying to fix my credit to purchase a home and this continue to be a problem for me. Please help Thank you.
Product: Debt collection

XXXX Cell Phone  $XXXX collection company is ARC and I have never had a contract phone in my life! I have always been with XXXX XXXX and I believe that this is identy theft.  I have had problems in the past with this.  I am not sure of the exact dates I believe the XXXX XXXX said it was in. 2013. I would like this to be taken care of.
Product: Debt collection

XXXX XXXX XXXX continues to call my place of employment after I have told them that I 'm not allowed to receive phone calls at work. They have also not sent any formal written communication regarding this debt. This company will also leave voicemails on my work phone stating my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX Balance XXXX {$19000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX XXXX, i have attached my ssn and drivers liscence for verification, whatever authrorization you say you need from me consider it given.. 

ive been a victim of identity theft and need these hard inquiries removed from my report immediately.
Product: Vehicle loan or lease

Tried to lower payments during financial hardship during XXXX and was unsuccessful then vehicle was repossed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I received a loan for the amount of {$1500.00} from Capital Good Fund on XXXX XXXX XXXX This company appears on its website as if they are helping XXXX  with lower interest rates for loans which is not true. They are using and XXXX XXXX. I sent them an email in XXXX and asked for payment deferral to XXXX. They charged my account for XXXX and XXXX in the beginning of XXXX. I was in the process of moving and I applied for a mortgage. Then I realized that Capital Good Fund put a derogatory mark on my credit as if I had a pastdue balance for 2 months whereas I had no pastdue balance. I got denied for mortgage. I could not apply for rental apartments when my credit score fell XXXX points down due to this incorrect reporting by this company that was supposed to be helping XXXX I spent a lot of time with disputes and complaints for 3 weeks. After 3 weeks of stress and complaining, the negative comment on my credit was deleted and their representative sent me an apology email. An apology email is NOT enough for ruining my plans. I ended up paying {$250.00} more rent every month because of this company. I demanded them to waive the remaining balance which is around {$1100.00} for their negligence that affected my life severely. But they refused. I will not make any future payments to this company that destroyed my plans and my economic situation. If I am paying {$250.00} more rent every month because of this company, they are liable more than just a simple apology.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX someone attempted to gain access to my personal information by filling out a credit application in my name for a XXXX XXXX  Credit Card on my TransUnion and XXXX credit file., I have attempted to contact TransUnion and XXXX to remove this Fraudulent Inquiry / Identity theft of my personal information., This Action was even caught and the application was denied so to a Fraud Concern by XXXX and they sent me a letter verifying the Fraud Attempt made on my file and quickly notified me.. The letter is contained here in this notification.. If this inquiry is not removed by TransUnion and XXXX within 30 days of receipt of this notification, I will exercise my right to sue for damages under the FCRA guidelines in the Court Of Common Pleas of XXXX County, Pa located in XXXX, Pa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 3 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 or other personal consumer reports

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from Experian, XXXX and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased online from the company on XX/XX/2021. I was given a code to use for a 30 % discount if I signed up for a new credit card with New York & Company. I used the code online but it did not show up when the transaction went through. I then called the same day of the order and was given a refund/credit of {$95.00}. When the statement came the amount of the full charge without the credit was showing. I called in numerous times for months and was told numerous times it would be fixed. As of today it has not and now I have late fees and a late payment on my credit report which I was told would not happen as an investigation was taking place. I have ZERO late payments and this has affected my credit tremendously. I was lied to every single call and feel like I was being scammed into paying money that I did not owe. This has caused extreme stress.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy inaccurately reported on my credit profile. Either the information is not mine, or it includes errors such as incorrect dates or case numbers. I have made multiple attempts to resolve the matter with the credit bureaus and have provided supporting documents, but no changes have been made. I am requesting CFPB assistance in having this inaccurate reporting corrected or removed.
Product: Credit card or prepaid card

I have been in touch on several occasions with Barclay / Advantage Aviator credit card customer service by phone. I attempted also to chat with someone but there was no reply. I am now sending in writing the same complaint : There is an error in a balance transfer from my XXXX account. You will see two balance transfers : one for {$6500.00} and another for {$5800.00}, both are showing as XX/XX/2023. There should have been only ONE balance transfer, not two. The first transfer took my other credit card to a zero balance. The second took it to a negative {$5800.00}. This occurred because when I created an online account, the balance transfer was NOT showing, so I entered it again. 

When I spoke with on of many Barclay representatives over two months, I learned the issue apparently was handed over to another Barclay representative with an Incident number : XXXX. I have had NO contact with this person, only the representatives at the customer service number, who apparently are not able to do anything to rectify the situation. One of the representatives told me the correction would take place within one to two billing cycles. That has not happened as we approach the third billing cycle. 

Because there has been no action in more than two months, I am reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) and to XXXX XXXX, so that they have information on how poorly their partner Barclay treats customers. 

So that you understand, I am paying interest on a false balance and my credit has been negatively affected. Barclay had the audacity to email me this week stating thwt my credit score had changed. It is because of Barclays error. I am getting NO COOPERATION whatsoever from Barclay.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$890.00}
Product: Debt collection

I have tried on XXXX different occasions to contact them and dispute this debt. I paid off my cell phone and the XXXX XXXX ( who rang me out for the payment of my phone ) that I was free and clear and wouldn't be charged for any services because I am not using them. I have gone above and beyond in doing my due diligence to dispute this and have yet to be contacted back in return. I literally can not get ahold of anyone and tsi 's online dispute portal doesn't work. Like I said, I've done everything in my power to dispute this and am at a loss as to what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

CarHop XXXX reporting missed payments and in correct balance on credit report, preventing me ( pigeonholding ) from obtaining a safe vehicle to drive. The vehicle is not safe to drive and Ive made several attempts to repair the vehicle and/or settle account with CarHop XXXX  to no avail. I currently only have {$5000.00} worth of debt and CarHop is claiming {$4000.00} of it which has lowered my credit score into the 400s preventing me from a loan of any sort. I lost employment due to the non-functionality of the vehicle and was told by the manager of CarHop that she always drives with the check engine light on, when I called within my warranty to have vehicle repaired. When I went to get tags and registration for vehicle, I was told that there was a lien on the vehicle due to the previous owner running toll booths. CarHop still refused to take the vehicle back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian by phone mutliple times at two different numbers to lift a security freeze. 

- XXXX XXXX - XXXX XXXX After navigating a long phone tree my issue is not resolved. Instead, I am directed to write a letter or lift the freeze on the website. You are not able to speak to an agent on either of these phone numbers. 

After making the request on the website I received the following message : 'We were unable to honor your request to temporarily remove your security freeze based on the information you entered. ' With a request that I should mail in a request. 

I have been able to provide a pin at each juncture in the process. 

I am trying to get power turned on for my new apartment. I have called XXXX XXXX three times and they will not proceed without a credit check with Experian. When I attempt to set up an account with pin the transaction fails. I will be without power until I can get this freeze lifted.
Product: Credit reporting or other personal consumer reports

I am filing this report because I discovered that there are many discrepancies on my credit report, I have noticed some unauthorized inquires on my credit report.It is totally unfair to place inquires that i do not know anything about on my report, this is a total violation of fair credit reporting and directly violated my consumer right.please kindly investigate and remove all inquiries involved. 

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

I wrote XXXX Transunion and XXXX and let them know I was registered owner of XXXX XXXX XXXX XXXX XXXX XXXX and that they are some accounts showing under the securities account number thats property OF XXXX XXXX LIVING trust and needs to be removed please see attachment.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX balance of ( XXXX ), XXXX XXXX balance of XXXX, XXXX XXXX balance of XXXX, and inquiries, XXXX XXXX XXXX XXXX XXXX And XXXX XXXX these accounts have a ftc report I have send in and I will like for them to remove these fraudulent claims from my credit report
Product: Mortgage

My original mortgage was with XXXX XXXX. Because I worked for a nonprofit, my pay cycles were not the XXXX  and XXXX. I generally paid my mortgage between the XXXX and XXXX. I only had to pay a late fee twice in XXXX years. My niece also died of XXXX, which they noted, and my account was 30 days past due once. However, my account was in impeccable standing because I paid my mortgage XXXX months in advance. But they had already made the decision to transfer my account to Roundpoint. I researched the company because I always do my homework and I was appalled. They are not XXXX  certified and have over 26 pages of complaints, pages of negative reviews online, poor reviews, and testimonials from consumers who have fallen victim to their incompetence and predatory practices. I don't want to be one of them. I worked for 15 years to build my credit to purchase my home, and I will not lose it to tricks, mismanaged paperwork, and schemes in the form of capitalistic fees on vulnerable consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The public record of discharged chapter XXXX bankruptcy : XXXX listed on my Equifax is inaccurate information and not my bankruptcy case or public record information. The United States District Court District of Minnesota Bankruptcy Court informed me that they did not report the public record thats currently listed on my Equifax credit report, because they do not report any bankruptcy cases to Equifax, XXXX, XXXX XXXX or any credit reporting agency. The following credit inquiry listed on my Equifax credit report is fraudulent and not my credit inquiry : XXXX XXXX  XX/XX/2020