23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have been using XXXX and has recently come to my attention there is no consumer protection while using this app.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report today and have no idea how they got there. Upon reviewing my report as usual, I noticed discrepancies that appeared out of nowhere. Refreshing the browser didnt help, as the issue persisted. Im extremely frustrated and urge you to thoroughly review the documents Ive submitted so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Original creditor : XXXX  XXXX Balance {$270.00}
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX ( Original Creditor : XXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent a letter to this Creditor asking for verification of this debt, the original signed contract as well as payment history for the account. It 's been over 45 days and I have not received any notifications or validation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX    policy issue date and cancellation date are the same. No claims could have been made on this policy. No reporting to the credit bureaus should have been made.
Product: Credit card

I applied for an American Express XXXX XXXX XXXX XXXX on the American Express website on XXXX XX/XX/2024. On the webpage through which I submitted my application, they advertise : " XXXX XXXX : {$0.00} intro annual fee for the first year, then {$95.00} '' with a symbol to look at the terms and conditions. I would like to note that this promotion is still present on the webpage through which I applied, and an archive of the webpage on the day I applied ( XXXX XX/XX/2024 ) is available on XXXX, which shows the same promotion offered on that day. 

The terms and conditions document, which I have attached to this submission, inform that the eligibility for this offer can be affected by having a previous version of this credit card or offers related to existing membership, which do not apply to me. Even then, they say that if you're not eligible for the offer, they will inform you before you accept the application. When I accepted the credit card offer, I was not informed that I was not eligible for this offer and so I accepted under the conditions that I would not be charged an annual fee for the first year. 

On XXXX XX/XX/2024, American Express charged a {$95.00} membership fee to my account. 

I have since called customer service XXXX times to ask why I was charged this annual fee when I opened the account believing that I would be charged no fee for the first year. The first time, which I believe was XXXX XX/XX/2024, the representative said they would submit an issue and that someone would be back to me. I received no further information, so I called customer service again, I believe on XXXX XX/XX/2024. They again had no information to give me and told me that someone would follow up with me. I then called on XXXX XX/XX/2024 and the representative told me that the wavier of the {$0.00} intro annual fee did not apply to my account, but did not provide any other information about why it did not apply.
Product: Checking or savings account

on XX/XX/year> i was distracted by a male who was standing extremely close behind me. this male stole my card and was able to make 2 transaction ( 1 for {$500.00} and that other for {$400.00} ) totaling {$900.00} before i was contacted by citibank fraud alert who alerted me of the fraudulent transactions and loose of my debit card. i then informed the bank these transactions where not done by me and was able to freeze the acct and i also filed a police report and was issues a new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I had sent out credit dispute letters about some accounts that definitely werent mine and i had no idea about that were Fraudulent and other accounts I wasnt to sure about and sent them dispute and verify letters to all three ( 3 ) credit bureaus XXXX, XXXX, and Experian and Legally they had 30 days to respond and they failed to do so, to prove and validate the debt and negative items reporting on my credit profile impacting my credit score and ability to obtain credit such as personal loans, Mortgage Loans, Auto Loans and house hold items like furniture and appliances ect and causing financial injury and emotional and financial distress.! I will attach proof of documents I sent and mailed out.!
Product: Mortgage

I have been asking for my mortgage company : Ocwen Loan Servicing ( Loan Depot, Loan Depot Escrow ), to send me a complete copy of the closing documents and to validate their escrow analysis as it is incorrect. They have not provided any information despite my follow-up requests since XXXX 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with the credit bureaus over the account showing on my Credit report! XXXX XXXX XXXX XXXX. The company responded by saying they did not own the account anymore they sold it to another company and wrote it as a charge off. This company also supposedly corrected information on my credit report. Well this account was showing closed XX/XX/XXXX well recently they have added a change that caused my big impact on my score through transunion, XXXX, and XXXX. They changed the closed date to XX/XX/XXXX. This company is steady having a very negative impact on my credit and the three Credit bureaus continue to change the information impacting my score. Transunion, XXXX, and XXXX should have to remove the account completely due to the fact that they are steady reporting inaccurate information. The closed date is wrong!!! As per the FCRA a company simply can not re age old credit and this company plus the credit bureaus have done just that.
Product: Credit card or prepaid card

MY ACCOUNT WAS HACKED!!!! I WAS A VICTIM OF FRAUD AND CASH APP WONT RECOGNIZE THAT!!!! INSTEAD THEY TELL ME I CANT GET ANOTHER CASH CARD!!!! THIS IS CRAZY IVE BEEN ROBBED BY CASH APP XXXX AND XXXX ALL IN ONE MONTH THIS RIDICULOUS AND NOBODY WILL DO ANYTHING ABOUT IT IM THE ONE SUFFERING!!!!!!! THE FRAUDS DONT CARE THEY ALREADY HAVE MY MONEY AND DID WHAT THEY WANTED TO THE ACCOUNT. NOW ITS TAKEN OUT ON ME AND I HAVE TO LIVE WITH BEING ROBBED AND NOT HELPED!!!!!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!!!!!!!!!!!! WHY!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian and XXXX Police report and Ftc report on the XXXX of last month showing this account is not mine and to please at least verify me with proof that ist mine and they just said verified. I would like this deleted from my Exerian and XXXX  file.
Product: Mortgage

XXXX / XXXX / XXXX  called  CMC  Funding/Loancare to see if they were going to pay my real estate taxes by the end of the year because they had my escrow funds on hand to do so. Disconnected from phone call. Emailed through their website to check on status. Received auto response message that they would follow up within 5 days. No response.      XXXX / XXXX / XXXX  I paid my real estate taxes myself because I had no response from the company.      XXXX / XXXX / XXXX  emailed the company to inquire about my escrow being released to me. Received auto response message and no follow up.      XXXX / XXXX / XXXX  emailed the company to inquire about my escrow being released to me. Received auto response message and no follow up.      XXXX / XXXX / XXXX  got through to customer service. I did not note the lady 's name but she advised that I email evidence that I paid my real estate taxes. I immediately emailed this evidence. Received no auto response and no follow up response.      XXXX / XXXX / XXXX  emailed the company to inquire about my escrow being released to me. Received auto response message and no follow up.      XXXX / XXXX / XXXX  called customer service and spoke to  XXXX  ID #  XXXX . He advised that he would expedite my request to the tax department. I asked him to copy me via email on this expedition. He said he could not do that. I asked who his supervisor was. He said  XXXX   XXXX . I asked to speak with her. He said I could not. I asked what the phone number was I could call  XXXX  back at to check on the status of my escrow. He would not provide a number. I asked to have  XXXX   XXXX  call me back. He said she would call me back  XXXX / XXXX / XXXX .      XXXX / XXXX / XXXX  No return phone call from  XXXX   XXXX . I called customer service and spoke to  XXXX  ID #  XXXX . I asked for status on my ticket number. After being on a lengthy hold he returned saying he would expedite my claim to the tax department. I told him that I was informed that was done on  XXXX / XXXX / XXXX  but clearly it had not. After another lengthy hold  XXXX  advised that they would need to " analyze the escrow ''. He said this analysis would be done by  XXXX   XXXX  and advised that I call back on  XXXX   XXXX .     This is where I ended my efforts and am filing this complaint. I have no confidence in the return of my escrow money and am unable to pay other bills because they have held onto it for 5 months.  CMC Funding  and  XXXX   XXXX  should be SHUT DOWN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not working during XX/XX/XXXX until end of year. I didnt receive unemployment. I never received information about my student loan payment being due. My XXXX  student loan went into 90 days past due. Per the government, government owned student loans were suppose to automatically been Suspended from XX/XX/XXXX until XX/XX/XXXX. I was recently already in forbearance but navient put be past due when payments where supposed to been suspended. My XXXX XXXX student loans were suspended during this time period. Why was I charged and put into default ( late ) when the government postponed payments during this time! Even though my loan was in forbearance it didnt automatically go into administrative Forbearance that is mentioned on Navient website.
Product: Credit reporting

There are multiple inquiries on my credit report from this company. 
I did not authorize any inquiries from this company. 
Apparently someone has access to my personal information, i did inform this company that my personal information had been compromised in the past, yet they still continue to report this erroneous information, and have allowed my personal information to be pulled multiple times.
Product: Checking or savings account

On XX/XX/XXXX i called Wells Fargo regarding my account it is in the negative by XXXX dollars. There is absolutely no reason it should be in the negative. Wells Fargo has caused nothing but problems. Ive been a customer since XXXX. Wells Fargo is charging me from my payments I made but I clearly had money in my account to cover my transactions. When you go to purchase something from a company it automatically pulls the money from your account and holds it till it goes through so by then it deducts that. Amount from your account, well They are saying they authorize a overpayment my card features doesnt even have overpayment option so they do it outta kindness so basically they are charging me fees that they authorized and expect me to pay that if you look at my account I had the money to cover every purchase I made. They are crooks I didnt ask them to cover anything if I do not have enough in my account then it should be declined period!! I am not paying that I didnt ask for them to help nor the features on my card should not have allowed that. Customer service at Wells Fargo were very rude and had no communication at all they kept transferring me They did not know what they were talking about. I asked about XXXX hardship or inflation hardship. They do not offer help. I feel Wells Fargo is charging me for overdraft fees that clearly are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN XXXX  IS VIOLATING THE XXXX  AND XXXX XXXX  WE NOW HAVE ENOUGH TO FILE CLASS ACTION AGAINST XXXX/TSI AND XXXX.
Product: Debt collection

After I faxed in a " XXXX, '' and an " AFFIDAVIT OF SURVIVORSHIP with XXXX XXXX XXXX 's DEATH CERTIFICATE '' added as an EXHIBIT " A '', my true and lawful Attorney-in-Fact, FULFILLING THE LAW CENTER has been in contact with CALIBER HOME LOANS, INC., from Friday, XXXX XXXX, 2016 to Friday, XXXX XXXX, 2016 that I nor anyone else is responsible nor am I the surety for a debt that only XXXX XXXX XXXX signed and made a promise to pay.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Equifax Information Services LLC 's failure to respond to my dispute request concerning inaccurate and unauthorized information reported on my credit file. I initially submitted a letter to Equifax on XX/XX/XXXX, detailing multiple inaccuracies, unauthorized inquiries, and potential Fair Credit Reporting Act ( FCRA ) violations. Despite my request for prompt reinvestigation and removal of erroneous information, I have not received any response or resolution from Equifax.

Below is a summary of the items disputed, which remain unaddressed : 1. Incorrect Personal Information : - Previous Address : XXXX XXXX XXXX, XXXX, NC XXXX ( incorrectly listed ). 

2. Unauthorized Inquiries : - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) 3. Accounts Without Permissible Purpose : - XXXX XXXX XXXX ( Account Number : XXXX ) 4. Accounts Requiring Validation : - XXXX XXXX XXXX ( Account Number : XXXX ) 5. Inaccurate Account Reporting ( 15 U.S.C. 1681e ( b ) ) : - Multiple accounts, including discrepancies in balance and reporting between Equifax, XXXX, and XXXX for the following creditors : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX I explicitly requested that Equifax validate these items, remove unverifiable information, and correct any inaccurate entries. Additionally, I requested compensation for each violation as stipulated by the FCRA. Under 15 U.S.C. Sec. 1681i ( a ), Equifax is required to reinvestigate and respond to disputes within 30 days ; however, I have not received any communication confirming receipt, investigation, or resolution of my dispute.
Product: Credit reporting or other personal consumer reports

Hello. I've reached out about hard inquiries on my Transunion account. XX/XX/XXXX. 
I have no connection to and not doing any business with. These inquiries are causing negative effects to my credit profile and I'm requesting monetary relief. 
There are also inaccurate address still on my report that I am not connected to. Transunion is in penalty because they have not been removed. I am requesting monetary relief or penalty payments between $ XXXX {$1000.00} for each penalty/inaccurate information. 
The information from these inquiries have caused hardship, and are preventing me from getting approved for certain credit products, and I am requesting monetary relief for the penalties of these inaccuracies being reported and not being removed. If this cant be resolved, I will be hiring a FRCA lawyer. 

INACCURATE INFORMATION : XXXX. INACCURATE NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

Laws not being followed : Consumer Laws : U.S.C XXXX XXXX REFERENCE.


15 U.S.C. 1681i ( a ) ( 5 ). 15 U.S.C. 1681 ( e ) ( b ). 15 U.S.C. 1681b ( a ) ( 3 ) ( D
).

15 U.S.C 1692 c.c XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX S.S # XXXX Phone # XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this report to address the severe violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by Equifax, XXXX, and XXXX. Unauthorized accounts opened with XXXX, XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX constitute identity theft. Moreover, numerous FDCPA violations, including harassment, false representations, and failure to validate the debt, have been committed. Despite being informed, Equifax, XXXX, and XXXX have failed to correct this misinformation on my credit report, damaging my financial reputation. I demand immediate action to rectify this injustice. 

Equifax, XXXX, and XXXX are in violation of FCRA 1681 ( 2 ), mandating the immediate removal of fraudulent accounts. Furthermore, I have not given permission for XXXX, XXXX XXXX XXXX, XXXX, and XXXX  to furnish false information. Their unauthorized dissemination of inaccurate data violates my privacy rights. I urge prompt investigation and enforcement actions to correct these violations, uphold consumer rights, and prevent further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account reporting on my credit report that was discharged in a XXXX  XXXX bankruptcy. Duplicating account information is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX in co original creditor {$4200.00}
Product: Credit card

On XX/XX/XXXX my fiance and I purchased XXXX XXXX engagement ring in XXXX gold at Kay Jewlers. I dropped the ring off on XXXX and picked up XX/XX/XXXX to get it sized and then again XX/XX/XXXX and picked up XXXX because it was still too big. I'm a XXXX XXXX and most XXXX  prefer no jewelry to be worn while working so I always remove the ring before work. I had noticed in a few days after picking up the ring the band was becoming distorted and was becoming more oval then round. I am having my engagement party on Saturday XX/XX/XXXX and clearly wanted to be wearing my engagement ring so I was planning on addressing the issue after the party. Well, last Sunday XX/XX/XXXX I was looking at my ring and noticed diamond on the side was missing. The next afternoon ( XXXX XXXX ) I went by the store in panic mood to now address two issues I'm having with the ring and not to mention the fact my engagement party is coming up the following weekend, my ring is falling part and I have barely had it in my possession since I purchased it. The store manager was very helpful and did explain that XXXX gold is more softer then a XXXX or XXXX gold and that could be the root of my problems. When originally purchasing the ring that was never mentioned by my salesperson and if I knew that I definitely would have gone with a lesser quality of gold to prevent what has happened. I told the manager I'm open to pick out another ring but the store didn't have much of a selection for yellow gold so I was even willing to pick something else out in a white gold. While I was looking at some other rings, eventually finding one that I would consider purchasing which was at a higher price. The manager did have to call the district manager to get his approval in order to proceed with the exchange and I was denied. I then reached out to customer care on XX/XX/XXXX explaining my problems with the ring and was just trying to exchange for something else and how desperately this is important because my upcoming engagement party. The customer service agent was very apologetic and agreed with my concerns and said that she would reach out to the store when they opened to let them know I would be returning to the store to pick out another the ring. Customer service called me back later in the day and explained that the district manager would need to approve the exchange and would here back soon, especially since my engagement party is in now 2 days. Well, I have heard nothing from Kay 's! I was open to exchange but now seeing Kay 's lack of concern and accountability I'm requesting to return for full refunded and personally want to thank them for me being ringless for my engagement party. Reached out to customer service again XX/XX/XXXX to follow up and nothing in notes indicated any type of follow up since speaking to customer care on XXXX. Today XX/XX/XXXX I tried to reach out to XXXX XXXX  ( whom my Kay 's credit card is issued from ) to place account on hold until this issue resolved but kept asking me if I contacted the merchandiser. Yes, of course a week ago and have heard nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address of XXXX XXXX XXXX XXXXXXXX ca XXXX and the address XXXX XXXX XXXX XXXX XXXX ca XXXX are addresses in not associated with multiple fraudulent dredit cards and bank accounts were opened in my name and sent to those addresses I tried to call and have them removed but I was told they where flagged.