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

I attempted to create a free online account activate a security freeze. The website continually returned an error message in spite of all the form fields being filled correctly. This happened in every web browser. I searched through their support pages and the issue was not listed. I called their customer service line within the business hours listed on their own contact page. I got an automated phone tree that did not include information on the problem or options to reach a live human representative. It simply gave me the address of the web page that was not working. I tried three different phone numbers and could not reach a live person.
Product: Credit reporting or other personal consumer reports

Please ensure the prompt removal and blocking of these unauthorized accounts from my credit report. I did not initiate or authorize them and have no knowledge of their origin. In line with XXXX XXXX, I formally request their removal within the next XXXX days. Attached are the necessary documents for your review.
Product: Checking or savings account

Bank charged overdraft fees  XXXX  $ from my account.
 XXXX / XXXX /2017- XXXX  $  XXXX / XXXX /2017-  XXXX   $ I complained right away but, bank say   XXXX   XXXX   check cleared my deposit was   XXXX   XXXX  .
Also ATM machine (  XXXX  branch ) bite my debit card when I cash deposit.
I have to wait untill next day to see bank teller at the window.
I remember I had very very hard time at a moment to make chance to call and visit the branch for deposit the money.
Product: Credit card or prepaid card

I recently applied to Discover for a credit card. It has into APR of 0 % and after that the APR can vary from 11.99 to 23.99 As advertised, it reads : * Intro purchase APR is 0 % for 14 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 0 % for 14 months from date of first transfer, for transfers under this offer that post to your account by   XXXX   XXXX  , 2017 ; then the standard purchase APR applies. Standard purchase APR : 11.99 % variable to 23.99 % variable, based on your creditworthiness.
I have FICO score of  XXXX . I received a 23.99 APR! This is VERY misleading when it specifically says " based on your creditworthiness ''. How is it I received the HIGHEST APR with an excellent FICO score. I called the company and they said after a year they could look at possibly lowering it. I talked to the Manager and he said he could close the account. I told him if I close it, it affects my credit score and he said " I do n't know anything about that '' ... and he is a manager?!?!?! I feel this company is very misleading! It is a way of tricking you into thinking you will get a good APR, and when you get it, you do n't ... in hopes that you are not able to pay off your balance and the APR will skyrocket to 23.99!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have know that I had Identity theft some time in XXXX and I filed a police report on XX/XX/XXXX. I have sent it to Experian 5 times now and they have taken some of the Items off and some remain. They made me fill out a FTC Affidavit which I did and sent to them recently and they took all the items off ( XXXX XXXX XXXX XXXX {$2500.00}, XXXX {$480.00}, XXXX {$480.00} same one 2 times and XXXX {$1300.00} ) I have had cars loans on there and one of the worker let it be know that they know when they let a collection agency put a previously deleted item back on your credit report with a brand new date and account number ... What really. What a bunch of XXXX because they want you to buy their premium services for XXXX a month. This is so wrong I want someone to hammer The Corporations XXXX!!! They have done this to me for years and I could never figure out when I made XXXX a year that my credit was just ok. Please help me this is even worse due to the breach by XXXX in XXXX I was effected again. I still can't get on line with XXXX to this day because of the Identity Theft??? they ask me!!!
Product: Debt collection

XXXX keeps reporting a {$120.00} debt they say i owe to XXXX for the last 5 months now. I keep disputing the charge and they have not done anything about it. 

1. I havent had XXXX in over 2 years so how all of sudden in the last 5 months i suddenly owe? 
2. I paid XXXX in Full prior to switching to XXXX. I know this because XXXX provided me with the unlock code on the phone i paid off so i could switch to XXXX. They will not provide the unlock code for an iphone until your account is paid in full. 
3. For over 2 years nothing has ever been reported on my credit report ( you can check my credit to verify ) now all of sudden i owe XXXX or this collection agency {$120.00}? 

I have asked over 4 time for XXXX  to remove it and they will not. XXXX is the only credit reporting agency that has the supposed collection on my credit report. XXXX and XXXX are not reporting anything
Product: Debt collection

XXXX XXXX did not credit my bill ( due to outages ) my bill eventually was sent to a creditor the price ranges went from {$71.00} XXXX then XXXX! I have sent a letter to them via certified mail asking the creditor to prove that I owe them this amount of money and they only sent back a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alert from XXXX about an inquiry on XX/XX/2020, in XXXX, which I never made. It used Equifax for the credit report. 
I attempted to dispute with Equifax and I was directed to file a report here before I can submit a dispute with Equifax.
Product: Checking or savings account

I bought a house and attempted to transfer {$300000.00} from my Marcus by Goldman Sachs account to my XXXX  XXXX XXXX account on XX/XX/XXXX, and the next day my account was locked. I reached out to customer service, and they promised a response within one business dayyet that never happened. I called again, and they told me they needed to verify my identity. I received a verification code on my phone, completed the verification process, and then the representative just hung up on me. When I called back the following day, I was informed, theres no way we could verify you. I asked what steps I should take to unlock my account, and they told me there was nothing they could do except wait. Called them again yesterday and they say " the review team is taking care of this, please give 1-3 days till they respond. My account has been locked for over a week now, Marcus did nothing besides kept me hanging! This is absolutely unacceptable. I have the house closing in two weeks, please help.
Product: Credit reporting or other personal consumer reports

I am writing to report a serious case of identity theft and unauthorized account activity that has affected me. I recently became aware of multiple data breaches that have exposed my personal information, leading to the opening and operation of accounts without my knowledge. I believe this has had a significant impact on my financial well-being and personal security. 

I was initially informed about these data breaches through notifications on my computer browser, indicating that my sensitive information may have been compromised. Additionally, I received information from my former employer confirming that my personal data may have been part of a security incident during my tenure with the company. 

As a result of these breaches, I have discovered that accounts were opened and operated without my consent. This unauthorized activity is reflected on my credit report, causing further distress and concern for my financial stability. I have taken immediate steps to freeze my credit, but the implications of this breach are far-reaching. 

I am reaching out to you in the hope that your organization can provide guidance and assistance in resolving this matter. I understand that XXXX is a valuable resource for victims of identity theft, and I am seeking support in navigating the necessary steps to rectify the fraudulent accounts, protect my personal information, and mitigate any further damage to my credit. 


In addition Hello, and thank you for taking the time to read this. Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Product: Debt collection

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The debt mentioned in XXXX XXXX XXXX report has no affiliation with your company. Obviously the alleged debt was sold off from the original owner. The new owner which is Jefferson Capital System, has no agreement with any third party consumer to acknowledge the debt and accept the debt.

There fore Jefferson Capital System, is perpetrating a fraud in attempt to connect, a source of medium, or solicite any alleged debt to XXXX XXXX XXXX to accept. 

This is a notice of dispute to this said company mentioned here in above. Thank you According to US CODES & STAUTES OF FRAUD.
Product: Mortgage

We have a second mortgage with Household Finance Corporation, HSBC Group. Not only do we have a high interest rate of 6.979 %, but we also found out that there is " deferred interest '' with a balance of {$8900.00}. We have been paying on this second mortgage for about 15 years maybe more, and I believe also our original second mortgage was about {$65000.00}. I have called HSBC on numerous occasions and can not seem to get a straight forward, logical or understandable explanation of this high added " deferred interest ''. They called this a " simple interest '' loan, but their explanation of it is anything but simple. Please help me to understand this because with this " deferred '' interest added on, our interest rate over the past 15 years on an annual basis I feel has been extremely high, especially when the {$8900.00} of the {$65000.00} originally borrowed is about 14 % in addition to the 6.979 % interest rate. We plan on refinancing our first, and adding this second mortgage to it, however, it does n't seem like we have paid off anything at all on the HSBC loan even though we have had it for so long and have paid them at least {$76000.00}. The statements they send us are quite vague as well. It includes no original mortgage amount, date or breakdown of the fees and " deferred '' interest and no one there can seem to explain it to me in consumer friendly terms. There is also a {$330.00} " Outstanding Fees and Charges '' that I have not been given an explanation or breakdown of as to when they occurred.
Product: Debt or credit management

I was getting charged for services that was never provided not only was I charged for services not provided for myself but they were charging me twice the amount around XXXX XXXX XX/XX/year> My wife called and had hers cancelled but I stuck with it hoping it would change and nothing did absolutely nothing result customer service was very unprofessional and said that they did not car about helping me resolve the issue. Never issued any type of refund for time wasted. They told me the first 30 days were free when I signed up but ended up charging me the very next day then again right at the end of the 30 days twice the amount which was suppose to be {$150.00} but it ended up being {$300.00} or more again with no services being provided. And then when I called to ask again the lady said dont call then for 30-45 days because thats when they would reach out to me to tell me a progress report on how things was going and of course I waited and never got the call. It was a horrible experience I have worked with another company that actually did what they said they would do and was very professional this Lexington law company is a fraud company they send out emails still trying to get me to be apart of their fraudulent business practices and I never respond.
Product: Debt collection

For five years there hadn't been single letter from them and then just last year prior to a holiday, the company sent me a letter just before a national holiday. Now, that same company sent me a notice before XXXX knowing full well I wouldn't get it until after the holidays. This isn't the first time they've used this tactic. On top of this the debt being collected is time-barred or at least it should be. 

They are also trying to collect from a bank I've never had an account through, my mom did, but she passed away a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I have starting back in XXXX send multiple documents to trans union about a bankruptcy case XXXX that was opened on XX/XX/XXXX and closed on XX/XX/XXXX Transunion states that they get there information from XXXX I then contacted XXXX XX/XX/XXXX who did an investigation and found the information to be in error, I have tried with XXXX and credit pros to assist in getting the erroneous information removed and as of the documents sent to Transunion and received by them on XX/XX/XXXX still refusing to remove information even though the date of birth and year of birth doesnt match mine. I contacted a supervisor with Transunion who once again said it was a third party, when pressed on the issues as who I was once again told XXXX. I then on XX/XX/XXXX contacted XXXX who stated they are not providing this information and my records with them are clear. My understanding that if ANY of the information being given is erroneous it MUST be removed. Transunion seems to think this does not pertain to them or how they obtain there finding. Also when asked how this information is being given to them they only say a third party and have not disclosed it in writing which still violates my rights as a consumer. I am asking that Transunion be held accountable for the violation of my consumer rights and not conforming to the fare credit act and remove and update my information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investigated but how is that even possible if the open date, date last active and date last reported is not accurate? This is ground for removal and now has forced me to receive documentation from the actual financial institute even showing I've attempted to settle this as the Bureaus tried saying it was on the institution and not them. I also have an entire transcript with a supervisor at Transunion in regards to this repeated issue and requesting to speak with the supervisor of one of the financial institutions I was also on a separate call with trying to solve this issue however that was against the institutions protocols.

They also violated the law because according to 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.

I did not give any written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX Date of Inquiry XX/XX/2023
Product: Debt collection

I received a collections letter in the mail from ACI ( American Coradius International LLC XXXX in XXXX. Since it did not list my name correctly, I assumed it was spam. At the time I also reached out to the originator of the debt to see if it was a scam and XXXX never responded to me. 

ACI sent another letter, again telling me I owed this dept. This time I replied and asked them to explain what the debt was. I received a letter in the mail that listed the debt but all of this information is new to me. 

The identification that is close to mine is : Most of my first name ; All of my last name ; Most of my address. The other identifying information in this letter lists email addresses and persons unknown to me. Other identifying information that is unknown to me includes bank account information and transaction dates. 

This is identity theft. I have reached out to the original debtor ( XXXX ) and told them as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXXXXXX Bankruptcy Account # XXXX, has violated my rights. 
I have already disputed these items but the bureaus did not remove them nor prove validation.

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

I have called company that initially had their name by it they have zero record for f this. That call was taped. Called Equafax they refuse to remove this from my report it is a hard pull.
Product: Money transfer, virtual currency, or money service

I received a check # XXXX for {$77.00}. Per the letter I was being reimbursed for the enrollment fee. However, after reviewing my paperwork it shows my enrollment fee was actually {$390.00}. See below for a screenshot of my paperwork. I am requesting a check for the full amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX ,15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.