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

I tried a subscription service for clothing. The product sent did not fit and were mismatched wrinkled and generally horrible. I returned everything and had tracking information to show it. The merchant continually lied and said that I didnt return the items. I have email chains with the merchant that state that they DID receive the items but that they will not issue credit and are trying to force me to accept a store credit and yet they havent issued me either a store credit or a credit to my credit card. Capital one is the credit card and XXXX XXXX is the merchant. The shipments were delayed in shipping to and from the usps and 3rd party returns agency and they are holding me personally responsible. All I want is a credit and I do not want to EVER do business with a shady company like XXXX XXXX again and yet Capital One continues to neglect to acknowledge that the items were returned and I am due a credit.
Product: Credit card or prepaid card

On or about XXXX, XXXX, XXXX XX/XX/2020 American Express charged me {$5000.00} in prepaid annual fees for the upcoming year of 2020. On or about XX/XX/2020 American Express terminated my credit card, refused to refund my annual fees and kept my {$10000.00} in plane ticket rewards. After speaking to XXXX XXXX, rep for amex, XXXX ext XXXX she explained to me she didn't like my XXXX videos I made, exposing ways to receive their hard to get credit card. She also said she did not like the fact I sold my additional user on XXXX. I did not violate any terms in our user agreement. Before selling my additional card on XXXX I asked a Amex rep if I could give anyone I choose my additional user card and they said yes. I then received a letter from her saying the reason they terminated my credit card was, I violated the terms by using it to buy personal items. I did not violate the terms. I had saved my reward points for 15 years and they were worth one $ XXXX in plane travel. I feel I have been unfairly taken advantage by American Express. I have called many times and wrote a letter to try and get a resolution to this matter and have been unsuccessful.
Product: Credit reporting or other personal consumer reports

This company stole my identity. I do not have a contract with this company. Account states that XXXX XXXX XXXX is original credit, which they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage loan with Specialized Loan Servicing LLC. It was paid in full. Its still on my credit report as not paid. I cant get it off. Loan # XXXX
Product: Credit reporting or other personal consumer reports

My credit report and personal information has been exposed and manipulated due to the XXXX XXXX XXXX. 

I have the following unauthorized and fraudulent hard inquiries posting to my credit report, as well as a collection account that I have no knowledge of. 

Please make sure that these accounts are removed due to identity theft and fraudulent activity from my credit report immediately. Thank you! 

Hard Inquiries 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 XXXXXX/XX/XXXX The collection account that is fraudulent to be removed is as follows XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please have the credit reporting bureaus remove these fraudulent items immediately. Thanks!
Product: Credit reporting or other personal consumer reports

I have tried endlessly to speak with a human on multiple occasions to contest the Experian inquiries that have adversely impacted my FICO score on multiple occasions, the most recent being XX/XX/XXXX decrease of XXXX points and I am going to report Experian to my politician, local news, XXXX, the White House, CFPB, and whoever else I have to until they repair my credit score for these two instances. I was the victim of identity theft which is why I have a fraud alert on my credit report and on top of that original injustice I am now repeatedly adversely affected when I try to take out credit cards from aggressive yet uninformed salespeople ( XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX in XXXX ). I want to take out a mortgage for the first time in my life next year and Experian will cost me tens of thousands of dollars in my interest rate after hard fought work to improve my credit score. As a slap in the face, there is nobody to talk to or even email concerns - rather a labyrinth designed to obfuscate. Experian must be held accountable and justice will be served against them and to increase my credit score and hold them accountable in their policies and customer experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am apart of the XXXX Equifax Data Breach I have been contacting this company since XXXX I requested my credit report from XXXX where I noticed several fraudulent credit accounts on my credit report in other names that are not associated with me. I have contacted Equifax via email and online and via telephone with know complete response from them. As a result of the XXXX data breach Equifax has I have spent hours on end attempting to get these credit accounts off my credit report.
Product: Debt collection

Today XX/XX/18 @ XXXX, I received a phone call ( cold call ) from a XXXX XXXX from American Profit Recovery. 
As he was looking for information for me to provide to him, I cut him off and started asking him questions that he could not answer, Including exactly what debt he was calling in reference to. Again, he could not answer. 
I first told him to stop all calls and send me any information by mail. I also stated that by making that statement to him, by law, all calls must stop. 
I also stated that all my accounts are in good order, I have excellent credit and have never had a debt collection in my life. 
Finally. I told him that I shall be reporting their scam to the appropriate Government Agencies. 
Again. This literally happened 90 minutes ago. Can't get much fresher than that.

I thank you for your time and consideration. 

I HOPE YOU ARE ABLE TO SHUT THEM DOWN SO NO-ONE ELSE GETS SCAMMED.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
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. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I am re submitting this complaint after being informed I needed to add my social security card. it has been a battle going thru this and I am writing to deleting the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Vehicle loan or lease

Back on XX/XX/XXXX I took out a loan for a XXXX XXXX XXXX and I was lied to when I took it out I was told that for being in XXXX XXXX they would work with me with the payments the Intrest was so high and thr payments were outrageous I notified the td auto financing dept many times that I needed help I even tried to refinance but was not able to they didn't care I asked many times for them to lower the payment so I could make do and they never answered back they would tell me to call to another dept but there no ine ever called me back and XXXX day I got through and the representative acted not to hear me and then I just lost faith and then this year on XX/XX/XXXX they reposted my car knowing that I need it desperately I am diabled and so are my family members and they neeve tried for me to keep.my car this is so sad and they way there customer service dept works is so unfair and they lie so much it's so sad
Product: Credit reporting or other personal consumer reports

Cease and Desist Communication Regarding Collections/Charge off immediately request for deletion of account. 

* XXXX XXXX I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it and stop reporting and request deletion of this account to all major credit reporting agencies immediately. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Stop reporting this debt by all credit reporting agency and request for deletions to all credit reporting agencies.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 10 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2.company has also no permission to report anything using my info pursuant to 15 USC 16814 .

Your immediate attention to this matter is expected and appreciated.
Product: Credit reporting or other personal consumer reports

This is the XXXX  time I've updated this questionable information by sending a XXXX  to the XXXX XXXX  bureaus. I believe XXXX  have violated Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by failing to verify these items, and I will take legal action against XXXX  as a result. This was previously mentioned in my previous COMPLAINT XXXX, and XXXX  including it XXXX  more. 
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: Money transfer, virtual currency, or money service

I ordered a crib set from XXXX the name of the company it went to is XXXX but when I checked out at paypal it said it went to XXXX XXXX XXXX. The email it went to is XXXX. I do not know this person. I have since XXXX  XXXX and it says it's a scam company. PayPal will not refund my money. Their Trans action # XXXX. This was on XX/XX/2022. I am beside myself over this I am a XXXX XXXX XXXX woman that lives off of social security. I have no other income. Please help me get my money back. There is XXXX writing on the transaction. I do not read or understand XXXX.
Product: Debt collection

This debt collection failed to validate this debt with me by not provide me a copy of the Purchase Agreement to show ownership of this debt to collect and so I can verify and see where I sign and agree to debt or had service with the company
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report in seen some fraudulent items on my credit profile. that are being reported by a third party. please remove the listed items off my credit because they are hurting my credit score and ability to obtain credit.
Product: Debt collection

Account Number XXXX open, Amsher Collection Service Inc, Amount Owed {$620.00} that I owe. I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all credit bureaus. XXXX XXXX XXXX
Product: Checking or savings account

No action was taken by company I called to report that my checking was over drafted but the fees were not adding up. Bank of America submitted a claim but then declined it and reversed the temporary credit.
Product: Checking or savings account

- td bank charged me excessive overdraft fees and they wont give me my money back. 
They credit my account and they debit it in a same time. 
I paid excessive overdraft fees for the last 2 years
Product: Credit reporting or other personal consumer reports

I have an unauthorized inquiry from XXXXXXXX XXXX on XXXX. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. XXXXXXXX XXXX have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft pursuant to 18 U.S.C 1028A. I have not initiated any transaction with XXXX XXXX furthermore i do not have an account as defined under 15 U.S.C 1693a ( 2 ) with XXXX XXXX for review or collection. This needs to be removed immediately. Pursuant to 15 U.S Code 1681b without permissible purpose this inquiry needs to be removed immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I wired {$390000.00} from my account with XXXX XXXX XXXX  to Chase Bank to be credited to The Law Firm of " XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX on XX/XX/XXXX, I became aware of the account # being compromised/wrong #. I immediately notified Chase Bank via my XXXX XXXX XXXX  of the error and requested a XXXX Wire Recall. Needless to say Chase Bank never verified that the recipient name being " XXXX XXXX XXXX XXXX XXXX XXXX '' & account number " XXXX '' DO NOT MATCH their depositor information. Chase Bank, knowing this information, went ahead and credit my hard earn money into this fraud account. The fraudster account holder then cash out the account and closed it thereafter with Chase. See my letter to Chase Bank herein being attached and make apart of this complaint.
Product: Credit reporting or other personal consumer reports

The company includes on my credit report, an account that appears to belong solely to my current husband of XXXX XXXX and which account may predate our marriage, while also listing as my current husband, my first husband whom I divorced more than XXXX XXXX ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX  unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. XXXX XXXX XXXX XXXX XXXX XXXX a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally express my concerns regarding the actions of Equifax and XXXX, which I believe are violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, concerning the failure to remove discharged debt from my credit report. 

I have previously filed a complaint with your agency regarding Equifax 's reporting of my payment history. In their response, Equifax claimed that they do not report late payment history. This statement is not only misleading but also a blatant lie, as I have attached a copy of my credit report directly from the Equifax website that clearly contradicts their claim. Additionally, I am including their letter, which I believe demonstrates their deceitful practices and lack of transparency. 

Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) against both Equifax and XXXX for reporting fraudulent information on my credit report. My attempts to resolve this matter amicably have been unsuccessful, and I am now notifying you that this is my final attempt to rectify these issues before I proceed with legal action against both agencies. 

It is well-known that both Equifax and XXXX have a troubling reputation for failing to conduct proper investigations and for violating consumer rights. Their ongoing issues, including being sued by the CFPB, only reinforce my concerns about their practices and reliability as credit reporting agencies. 

I urge the CFPB to take immediate action regarding this matter to protect my rights and ensure that Equifax and XXXX comply with the law. If these issues are not resolved promptly, I will not hesitate to pursue legal action against both agencies. 

Thank you for your attention to this serious matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, my debit card was stolen at an ATM machine. I recieved notification of the fraudulent activity and I responded that the transactions were not to be authorized. 
I received a text on XX/XX/year> at XXXX that my debit card was restricted. 

The person using my card withdrew {$3000.00} and then another {$3000.00} and {$500.00} from my savings account. 

The Bank of America is conducting an investigation of the fraudulent transactions. They list the the two {$3000.00} withdrawal as check withdrawals. The perpetrator used my ATM card as the verification of the withdrawal. The bank of America will not refund the {$6500.00} to my account until they complete their investigation. The B of A allows 90 days for this investigation.

I requested the timing of the two {$3000.00} withdrawals and the Bank of America would not provide that information. 
I would like to know if the transactions occurred after XXXX when my account was restricted. 
I also want to know what rights does a consumer have in a situation where a large amount of money was removed from an ( my ) checking account. Is the bank required to return the money if the fraudulent transactions occurred after my debit card was restricted?
Product: Mortgage

My husband lost his job in XX/XX/XXXX. I was a stay at home mother at the time and hadn't worked a fulltime job in 15 years, Pre-emptively, because my husband was having some XXXX XXXX issues, I contacted Wells Fargo in XX/XX/XXXX and asked for forbearance. I was told at the time, now I know better, that they " didn't do that ''. When I asked what recourse I would have, because I literally would have no income coming in until I could find a job, I was told that I would have to actually be behind on my mortgage and call back so that the process of modification could be started. I found a job, though making a fraction of what my husband made, and didn't make the next month 's mortgage payment. I eventually was told that I would need to submit mountains of backup paperwork and agree to make a minimum mortgage payment for a 3 month period. I went through that process over and over again until the next year. I asked repeatedly about what a modification actually was and whether or not my credit would be affected by the process and was told over and over again that it would not affect my credit. Eventually, a woman showed up at my house with only the signature pages of documents for the modification ( NO original documents of any kind were left with us ) and we signed while she notarized them. She claimed she was just a notary and had no access to the documents, she couldn't explain anything to us, she knew nothing. I questioned our loan representative about what had actually transpired and he explained that our principal had been modified and we would now make lower payments. Long story short I eventually found out that we had a " silent second mortgage '', I had never even heard of this. I asked if/when it would be released and was told first that if we made 12 months on payments on time we could ask for it to be forgiven. A year later I was told it was actually 24 months. Two years later, none of that was true and it will never go away, so I actually with all of the fees, interest, etc,. now I owe more on my upside down mortgage than when I started out. I am hoping that the phone calls have been recorded at Wells Fargo. Also, I received a letter in my husband 's name stating that an account had been closed, one that we never authorized and had no idea had been opened! My credit is ruined, because Wells Fargo continued to show our account as delinquent though we were making the payments on time. When I called about this, I was told I could always refinance with another company. Of course I couldn't though, because they ruined my credit. In XX/XX/XXXX, I requested a payoff letter and also spoke on the phone again with someone hoping to get forgiveness on the silent second and was told I didn't have one. I waited on the phone while he checked, and he claimed there was nothing in the file about a second mortgage and sent a payoff letter only listing the first. However, I checked the recorder 's website and it is still there!!! Help!