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

In XXXX I had fraudulent transactions on my Home Depot Credit Card Account. I was first notified of this on XXXX when i received a text message regarding the some charges that I needed to verify. As soon as I spoke with the representative I realized that There were about 15 transactions of fraud charges on my account made around XXXX to XXXX. 
XXXX - {$110.00}, XXXX {$54.00}, XXXX {$83.00}, XXXX {$130.00}, XXXX {$160.00}, XXXX {$100.00}, XXXX {$130.00}, XXXX {$160.00}, XXXX {$100.00}, XXXX {$160.00}, XXXX {$110.00}, XXXX {$100.00}, XXXX {$210.00}, XXXX {$210.00}, XXXX {$980.00}, at the time, Home Depot removed the charges and investigated the matter. I received notification from them in XX/XX/XXXX informing me that Home Depot had determined that I was responsible for the charges and when I called Security Operations to find out why, they told me that it was because someone had actually swiped my card. I then opened a case with the my police department because I did not swipe my card for these purchases. I then faxed Security Operations the fraud report and after weeks of waiting for a response was told that would suffice and I would need to submit additional information. I then contacted my sheriffs office again and he was able to obtain video footage which does not show me making these purchases and also does not show Home Depot verifying any ID to the credit card that was swiped. I pressed charges on the individual and again faxed this information into Security Operations. After weeks of waiting for them to review this I was notified again that the information I had provided was not enough and I was still responsible for the charges. My Home Depot account was closed and sent to collections. This has effected my credit as well as caused me and my family so much financial stress. I had my account with the Home Depot opened since XXXX and never experienced any problems.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166613 : A creditor may not treat a payment on a credit card plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I have contacted Wells Fargo to stop a Wire Transfer. 
I am travelling soon to XXXX for a XXXX. I have been in touch with XXXX from XXXX XXXX XXXX tours. I also spoke on the phone with them and have been planning and was going to proceed. However, they say their email was hacked and the Wire Transfer information they provided was driven by a scammer and not in fact their true wire information they intended to provide ( the scammer information is below - name XXXX XXXX XXXX ). I moved money into my Wells Fargo account to send to the XXXX Account for the transaction on XX/XX/XXXX. As soon as I found out the following morning, I contacted XXXX to cancel the transaction. A copy of the email is pasted below ( it's a thread with the Operator ; they said their email was hacked ). The information below is the fraudulent account 's information where I have sent the money and am requesting XXXX to cancel the account and retrieve the funds from the receiving XXXX account. 

XXXX Dear XXXX, You're very welcome! We're just as excited to have you join us on this safari! Great to hear you're ready to secure the booking this week. Here is our agent 's XXXX bank account details we've included everything you'll need for the transfer : Bank Name : Wells Fargo Account Type : Checking Account Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX XXXX XXXX : XXXX Bank Address : XXXX XXXX XXXX, XXXX, ID XXXX Total Cost for XXXX Adults : {$7800.00} Total Amount Due : {$6200.00} Kindly send us a confirmation or screenshot of the transfer once it's completed so we can confirm and finalize your booking. We're pretty sure this will cover everything, but feel free to email us if you have any questions during the transfer. We look forward to confirming your reservation soon! Best regards, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under XXXX XXXX ( a ) to you in reference to the following account ( XXXX ) XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX THIS IS MY XXXX NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Debt collection

Midland funding XXXX XXXX They call and send me letters all the time. From an old account from awhile ago. I have told the company several times to stop calling me multiple times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account Name XXXXXXXX XXXX XXXXXXXX Account # XXXX has violated my rights. XXXX XXXX XXXXXXXX XXXX XXXXXXXX states that I have the right to privacy. XXXX XXXX XXXX Section XXXX XXXX XXXX XXXX also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX XXXX. XXXX XXXX XXXX ( 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 accurate.
Product: Credit card or prepaid card

I had a legal first and last name change. I sent in required information to Capital One to update records. I was told it would 7 business days to complete the change. After day 7 the change was not updated. I sent in a copy of my ID social security card as well as court documents to reflect the name change. I have talked to several representatives and my name on the account had not been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I send Transunion, XXXX XXXX XXXX and XXXX a letter disputing the validity of the Bankruptcy and Child Support on my credit Report, XXXX XXXX respond with a letter stating " we have Deleted information '', Transunion in Violation with FCRA stating " verify and accurate '' Bankruptcy only without stating Child Support validation and they not stating what was the method they used to verified neither, XXXX and XXXX in violation with FCRA they never answer. 

I went back to XXXX XXXX and Transunion on XXXX XXXX sent a letter showed them the deleted Bankruptcy and child support and also showing them the inaccurately and inconsistency they have in the report and informing them that they could not reveal how they truly verified this item it need to be deleted according to FCRA, they once again refused to deleted this item which is imploding in my ability to purchase a home and causing me to pay thousands of interest every year. 

this items need to be deleted from my credit report if it can not be verified within 30 Days.
Product: Credit card or prepaid card

This is a follow up from complaints XXXX, XXXX, XXXX, and XXXX. Goldman Sachs claims in their reply to XXXX that they have restored my installment plan and that they would follow-up with me. As noted in my reply to that complaint, I never received any such follow-up, and furthermore, my installment plan was not restored with the original terms and conditions. Today I spoke with a different resource at Goldman Sachs, first name 'XXXX XXXX, and he indicates the terms have changed and they have no way to restore them to the original agreement. I share this fact with the CFPB for information, as I believe changing the terms of this agreement is likely in violation of any number of Federal regulations, but Goldman Sachs is unwilling or unable to restore my original terms. I doubt that fact is likely to change in response to this complaint. The sum total of all of these issues have consumed countless hours of my time and based on my reading through public complaints in the database it would appear very probable that I am not the only consumer adversely affected by Goldman 's many issues with this product. I would encourage the CFPB to further investigate these systemic issues as all my good faith efforts to do so directly with Goldman have failed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing regarding a debt you claim I owe, account number rent recovery, account number XXXX which I understand was sold to your company. I dispute this debt in its entirety and request verification and validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Per the FDCPA, I have the right to dispute this debt and request that you provide : 1. The original name and address of the creditor who claims ownership of the debt.

2. A complete account of how the debt was calculated.

3. Proof that you have the legal right to collect this debt.

4. Documentation verifying the transfer or sale of the debt to your company.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, if you report this disputed debt to any credit reporting agency, you must indicate it is disputed. Failure to do so is a violation of the law.

Please cease any collection activities until this debt is fully validated and proven to belong to me. If you can not provide the requested documentation, I expect the debt to be removed from your records, and any negative reporting to credit agencies must be deleted.

Finally, be advised that I reserve the right to file complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) if my rights under the FDCPA and FCRA are violated. I also reserve the right to pursue legal remedies if necessary.

Please respond to this dispute in writing within 30 days. All future correspondence regarding this matter should be in writing and sent to the address listed above. 

Sincerely, [ XXXX ]
Product: Checking or savings account

On XX/XX/20, I deposited four money orders and one cashiers checks to my account totaling {$2400.00} My monthly banking statement didn't reflect this deposit. I have complained to Wells Fargo and they said they have no record of the deposits even though I've shown them a receipt of the five checks deposited. They said their ATM malfunctioned. I take that as meaning they lost the checks. So I asked them to credit my account or give me back my money orders which we know they have because I have photograph proof of the deposit. This happened in XXXX, NC. at XXXX. Transaction # XXXX.
Product: Debt collection

I received a letter from a company identified as IntegraCredit located at XXXX XXXX XXXX XXXX, Suite XXXX, XXXX, IL XXXX. They stated in the letter I owed them {$1700.00} for a loan I supposedly had taken out. I have never heard of or had dealings with this company and I have no outstanding loans. I contacted the company by email and phone. They have not responded to my email. On the phone, they wanted me to give them the last four numbers of my social security number. I explained to them they are contacting me and I have never done business with them, so there is no reason for them to have my SSN. They refused to talk to my without providing that information. 

I suspect this is an episode of fraud or identity theft, but without the company 's willingness to talk to me, I can not resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry showed up on my XXXX credit report on XX/XX/2022. 

XXXX XXXX Inquired on XX/XX/2022 Business Type : Tenant Screeners ( Reseller ) XXXX XXXX XXXX  XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX By Googling the address and phone number, I got to know that the inquiry was done by Entrata , Inc.. I did not know Entrata and did not apply for apartment or credit from Entrata. Actually, I did not apply for credit from any companies in the timeframe.In order for XXXX to remove the wrong hard inquiry record, I was asked to get a letter from Entrata to state that the inquiry was not intended but a mistake or to convince Entrata to directly request XXXX to do so. However, Entrata did not agree to provide me with such a letter, despite the representative from Entrata Tenant Verification Team told me that Entrata never pulled my credit and I was not on their customer profile list.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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

duty pursuant to the FCRA, it is EQUIFAX to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments for the XXXX  XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/2019. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account.
Product: Credit card

On XX/XX/XXXX I purchased a refrigerator from Home Depot, and because they offered an 18 months no interest on the store credit card, I signed up to open an account. The initial credit line was for {$3000.00}. I made my calculations how much I have to pay monthly to make sure the balance for my purchase was paid off by the end on the 18 months interest free period, and that amount was just under $ XXXX ( receipts and statements can be found on company 's files and will also be attached here ). XXXX, XX/XX/XXXX when I review my bill, I saw the fine print that said that the interest free period ended in XXXX, XXXX. I immediately called Home Depot credit card XXXX and asked them about the promotion they had in summer of XXXX, and I told them that when I opened the account, I agreed to the 18 months interest free promotion, and the bill shows I only received a 6 months interest free, and now I was charged a 26.99 % interest rate. The representative offered to adjust the interest rate right away, and after she did I asked her how often does that error happen? She said that the computer system does that sometimes, but they are quick to adjust the rates when customers inquire. My concern is, that many consumers are not aware of the error occurring, and are overcharged without their consent. I feel lucky that I took the time to read my bill in detail today and I found the error early on. An other concern I have is that Home Depot was aware of their faulty computer system and did not correct the issue that causes a lot of their consumers to be overcharged. I request an investigation on this issue.
Product: Mortgage

I am disgusted by Carrington Mortgage ServXXXX. My XXXX reverse mortgage was sold to Carrington and the interest rates have risen to a ridiculous amount. Also, when I try to call them, they do not recognize my loan # even though it is clearly written on their statements. It is impossible to speak with a live person for this reason. I feel they are gouging the elderly with the interest rates and it seems impossible to get help with this. I am a XXXX XXXX XXXX woman on a fixed income and unable to cope with the interest rate. 
HELP!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Late and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$3100.00}
Product: Mortgage

Seven years ago I took out a 7 year fixed adjustable rate loan that reset from 3.375 to 6.25 starting XXXX XXXX The current company servicing the loan is newrez morgage out of XXXX, SC. The loan documents clearly state the maximum that the rate can go up in any year is 2 percent compared to the previous years rate, meaning the rate should have not exceeded 5.375 for this year. A letter dated XXXX estimated my rate change would have been 3.625 and instead it is over 2.5 percent higher. I have made at least 5 phone calls to newrez loan servicing over the last several months to complain and ask for reconsideration, including escalating to supervisors but it hasn't changed their position on what my rate should be. I would ask the agency to look into this matter for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian showing an account that wasn't mine over XXXX years old date and everything else wrong with it. See attached.
Product: Credit card or prepaid card

I noticed a discover card reporting on my cred report. I immediately disputed the card which was deleted but now the company has reported it again on my credit. As a consumer that alerted them to identity theft, I have the right to fair and accurate credit reporting, they did not provided me with any of the requested documents per their investigation to validate that this card was opened and authorized by me.
Product: Debt collection

I received a phone call from NPG Associates about a debt they claim I owe from XX/XX/year>. They did not have any details and I have no idea what they're talking about. Their agent said they were going to sue me to recover the money. I told them to mail me whatever information they're talking about and they mentioned suing me again. If a debt is from XX/XX/year> it is time barred in the state anyway and they can not legally sue for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting late payments for the months of XXXX XXXX  XXXX XXXX XXXX. I have no late payments with XXXX XXXX or XXXX. I don't understand why Experian is reporting a late payment. Mean while XXXX and XXXX XXXX is not reporting and this is making my life hard. I can't get a loan. I can't even rent an apartment. I am about to be homeless because of this extreme hardship on my report. I am struggling deeply. I want this removed IMMEDIATELY!!! 
In accordance with the Fair Credit Reporting Act Experian has violated my rights 15 U.S. Code 1681 Section 602 A states I have the right to privacy.

15 U.S. Code 1681 Section 604 A Section 2. states a consumer reporting agency can not furnish an account without my written instructions.