23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am the XXXX and about two years ago we decided to open a Commercial Revolving Charge Account with Home Depot. I had to give my social security number and run my own credit to apply for the credit card. For billing and payment purposes, I gave the mailing address of our Management Company. I recently found out that the Management Company has not been properly managing the billing of this account and some individuals of the Management Company have been talking to the credit card representatives to make adjustments to the charges made to the credit card. Since the credit card information has been exposed to individuals who I do not know and some of them have left the company, I decided to change the mailing address and account number of my credit card for security purposes and start directly receiving the bills. It is here when the nightmare started. 
First, I tried to speak in XXXX but this option was a joke. ( Please, call XXXX and you could verify that the option to talk in XXXX does n't really exist and just skips to English ). 
I decided to speak in English and they were very rude, sarcastic and they were not cooperative with my request. They told me that I had to send a fax from a Home Depot store requesting the changes and I did it. ( Copy and proof of fax is available upon request ). Then I also sent the letter by regular mail and I went to the store where I applied for the credit card but the costumer service over the phone was not even cooperative with store to resolve this issue. 
More than two weeks after my request, I have not received the new credit card yet. I called again today, XXXX XXXX, 2016 and I was informed that I had to fax the request again and they mentioned new requirements in a piecemeal fashion. 
I feel that my rights have been violated and I have been discriminated against the use of my own credit card. I have not been allowed to own and manage my own account ; meanwhile they have been giving authority to other people to make decisions and changes to my credit card without my consent. 
I also feel that I have been disrespected and they are intentionally delaying the process to get my new credit card after I complained for the lack of security and poor customer service, and they have been reluctant to help me upon my request.
Product: Mortgage

Last XX/XX/XXXX, The Home Equity Loan that I took out with US Bank, contacted me to tell me that in one year, my draw period would be over, and that the terms of payment would change. I was advised to call the bank to discuss options. I called and spoke with someone by the name of XXXX. I believe her last name was XXXX, but I could be wrong. I asked her what my monthly payment was going to be, once the new terms were in place. She told me she would have to do some research and get back to me. Two days later she called back, and advised me that my payment would be somewhere around $ XXXX month. At that time, that amount was feasible for me, so I opted to not refinance or take out a different type of loan. XX/XX/XXXX, My loan terms change, and my payment goes up to $ XXXX month. We are in the middle of a pandemic, XXXX XXXX a XXXX XXXX  is on hold, I'm on unemployment. So, not only can I NOT afford the new payment without serious hardship financially, but due to the situation, I am no longer in the position to be able to refinance or get a new type of loan. I have discussed this with US Bank, they are refusing to do anything to help me. What if anything can I do, in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am submitting this complaint without any influence from any third party or agency. 

Please see attached info it has my full complaint and request
Product: Debt collection

Today is XX/XX/2016. Approximately 2 weeks ago a Discover card debt collector contacted my father at his home looking for me. Which made no sense since discover had my contact info and had been speaking with me. They told my father that they were trying to reach me. They also said that I was behind on my payments by XXXX and that I owed a total amount of ( I am unsure what the total was at that time ). My father told them I did n't live there and never have and to not contact him again. I have not spoken to my father in almost XXXX yrs. Discover had no business giving out my personal info. They did however leave a contact number, ( XXXX ) XXXX, which is a Discover card number.
Product: Bank account or service

On XXXX XXXX, I had XXXX fraudgelent charges on my debit [ checking ] acount. XXXX " fell off '' XXXX remained, I filled out the form, that day. Iwas told 7 days it woud be returned XXXX XXXX charges remained. After 10 days the money was not returned, I was then told It was an out of country fraud, another " international form would ned to be filed, which I did asap. on XXXX XXXX. The bank accused me of using this site previously and the case was closed { it is an XXXX dating service, I am almost XXXX years old. ] I never did! the rep. XXXX was horrible to me! Although XXXX of the XXXX were reurned, they were giving me a horrible time. I then reached out to the branch fri.XXXX. spoke to the manager XXXX XXXX XXXX, she would return the money XXXX to my account. It was not, On the XXXX I rechecked and still not! as of today XXXX. it is still not been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquires from Wells Fargo Dealer Services from the dates of XX/XX/2017 and XX/XX/2017. I have no knowledge of agreeing for them to place these credit inquiries and have disputed with both Wells Fargo Dealer Services and XXXX  numberous times with no help from customer service from either company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a credit report from Experian and find that there are 3 inquiries which are not result of my action as followed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ME XXXX ( XXXX ) XXXX XXXX Address ID # ; XXXX Date XX/XX/XXXX Reason Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXX/XXXX XXXX  No phone # available Address ID # : XXXX Date XX/XX/XXXX Reason Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX XXXX Address ID # : XXXX Date XX/XX/XXXX Reason Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I suspect of identity theft and need to fix these discrepancies. 

Then I file complaint no. XXXX but Experian refuses to remove these inquiries.
Product: Credit reporting 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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries : XXXX XXXXXXXX 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 XXXXXXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

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 inaccurate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam Huntington Bancshares Incorporateds transfer to a Fraud Scam Broker XXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a customer that had me perform service work on his personal ski boat but after completion he could not pay his bill so I held onto his boat until he could come up with the needed funds. He wanted to sell his boat because he needed the money for personal reasons, he said he had it sold and wanted me to release it to him saying that he would pay me after the sale, I know this guy could not be trusted. On the XX/XX/XXXX he brought me a cashiers check in the amount owed ( {$3200.00} ) I then  released the boat to him, he sold it that day Friday XX/XX/XXXX. I cashed the cashiers check on Tuesday XX/XX/XXXX at my personal bank, the bank put a hold on my account until the check was to clear, two days later I find out the the check had a stop payment put on it that past Monday morning. At that time the total funds were removed from my personal checking account. I have read that it is impossible to stop payment on a cashiers check but according to Chase Bank it is a common thing and a cashiers check is no better than a personal check. My trust in the cashiers check funds is the only reason I released the boat, now I 'm out the money and my only recourse is to take him to court but even with a judgement in my favor I will be lucky to collect the funds plus the lost time and money to do so. I think Chase Bank should be held responsible for my loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report, on XX/XX/XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to all three credit bureaus. XXXX, Experian and XXXX onXX/XX/XXXX and every 30 days up until presentXX/XX/XXXX I asked all three bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. There are 2 collection accounts reporting as OPEN and LATE 120 DAYS but it's a COLLECTION account This is a violation of ( 15 ) U.S. code 168i ( 5 ) please assist in this matter. There are other accounts in violation as well. Can someone please assist me with this matter Thank you.
Product: Credit card

Timely payments on this account have always been my priority, ensuring they are never overdue. However, I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  retaliated on   XX/XX/XXXX   after a complaint had been filed and Equifax allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in   XX/XX/XXXX ,  XX/XX/XXXX  . The debtor   XXXX   XXXX   is pursuing me out of spite and malice.If I could have afforded to pay the  XXXX  bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that  XXXX   XXXX   XXXX   XXXX  should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone. Equifax has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a   XXXX    times with different amounts when the aggregate of that account should have been used once.
Product: Credit reporting or other personal consumer reports

In XXXX  some one buy and vehicle XXXX XXXX under my name I will lose my wallet on XXXX  on XXXX XXXX in New York I didnt report the police because i thought wasnt necessary after months I find in my credos report appears many hard inquiries not belong to me like applications for mortgages /credit cards/car loans different banks and checking accounts the bank in mention is first third bank located in Kentucky and XXXX credit XXXX on XXXX bank and XXXX XXXX bank I need some resource to dispute all this wrong information because I try to buy my first house due this negative for the loan mortgages companies for my and my family block the dream to buy our home and the unfortunately collaborate the banks an the credit bureau never try to deep investigation only XXXX not Transunion or XXXX they remain the total wrong information and ask me To get police reports I did fill like 4 times but still remains
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong account and data on my Equifax credit report, I do not know these companies try to do collection. wrong information i do not agree should be deleted immediately. 
I was about to refinance my Mortgage and this wrong report is not justify and violate customer right.
Product: Credit card

Without my permission or agreement, Citibank opened a credit card in my name, posted {$12000.00} in charges, is charging me interest and late fees for not paying, is reporting this to credit reporting agencies, and refuses to reverse the above. I never agreed to the credit card and I have never used it. I have repeatedly advised Citibank of this and requested all be rescinded, but they refuse. The latest refusal was by XXXX XXXX, Executive Response Unit, Office of the President of Citibank at XXXX.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$16000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX  XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

Happy money makes it incredible difficult to understand and know due dates, when you are past due and what payments need to be made when you are past due. They also do not allow you to split payments without reaching out to the via chat, which at that point they direct you to their site. You also can not make additional payments on top of monthly amount due without engaging with their customer support team. It seems like they are making it as difficult as possible for consumers to stay on top of their loan payments so they can accrue more interest dollars and fees. 

Happymoney also doesnt provide statements, so its difficult to know what Ive paid, how much of my payments are going towards interest, and how I can adjust my payments to pay down the loan more quickly. Instead, you can you manually call them and request a statement, which really isnt a statement but an invoice for payment.
Product: Credit reporting or other personal consumer reports

I applied for an auto loan at XXXX XXXX XXXX and was denied because Expedian is still showing a bankruptcy open from XXXX, when I completed my chapter XXXX that as filed in XXXX. 
There can not be 2 bankruptcy open at the same Time. Due to this incorrect information I was not able to be approved. 

I tried to login my account With Experian and the wrong email address of is used as my option to reset it. 
I spent 2 days 10 hours trying to get to a live person, and not able to purchase a car because of the Inaccuracies on my credit report and the inability to login.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raised serious concerns about consumer safety.
Product: Credit card

A few months ago, I file a complaint against Capital One Credit Card regarding XXXX fraud alert letters I received from its Fraud Department. 
I had been instructed to send a copy of a state identification card, social security card and proof of street address. Before sending the same, I verified the validity of the three letters. On XXXX XXXX, 2016, I faxed the requested document to the number provided by Capital One. To date, the company still claims that it has not received the same. I, in turn, notified all XXXX major credit bureaus regarding the fraud alert. I received a reply for XXXX which stated Capital One had frozen all XXXX accounts because I had exceeded my limit on XXXX and failed to make the XXXX XXXX payment on time. As a result, my credit score was dropped to XXXX. When I contacted Capital One, I told the Fraud Department representative that based on the letters from CO, the accounts were frozen because of alleged fraud. As well, I had to verify my identification with CO, yet, it allowed someone to open a XXXX account under the pretext that the person was me. 
Last week, I contacted CO about a payment on XXXX of the legitimate accounts and I was reprimanded for failing to provide requested documents verifying my ID. I explained to the representative that I failed to understand how CO protect my identity when it allowed someone to open a XXXX card. 
I was told that the account had been closed and removed from my credit report. 
CO never notified me of the same, nor, as it claims, was CO able to verify identity. I never received any notice ( letter, email, or telephone ) clearing the Journey account and I need to know what CO is doing to resolve this matter. As present, CO is damaging my ability to apply for credit or a loan. I need CO to resolve this matter quickly and amicably. 
As for the purported late payment, I obtained a receipt from my bank indicating that the payment was paid on time on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX and XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Account name : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX  Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX INQUIRIES LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have never been late making my payment. Portfolio Recovery has harassed me constantly, they know I'm paying on it to. They have been told multiple times to stop, every time I block them they call from a different number. I think I'm at 18 blocked numbers from them. They call at any hour or day of the week. This bill is almost paid off. I'm fed up with this.