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

Experian Rent Bureau has wrong information and because of that my husband, son, and I were denied a lease to rent a house on XX/XX/19 Our application was submitted on XX/XX/19. In our tenant reports it says that we have an Outstanding balance with XXXX XXXX collections for XXXX XXXX apartments in the amount of {$4200.00}. This account was satisfied and closed and XXXX XXXX collections reported it to be removed This has caused a tremendous hardship on my family. We are scrambling to try to get this corrected so that we can get new housing. XXXX XXXX  is the company that used your company rent bureau and they stated that I need to fill out a dispute form along with a copy of the letter from XXXX XXXX collections showing that the account is satisfied and closed. They stated it is going to take about 30 days to investigate this I dont understand why I can not get this expedited. I need your company rent bureau to delete this in our files. I will fax this dispute info to XXXX tomorrow XX/XX/19 so that you rent bureau can delete this immediately. It should not take 30 days in this day and time it only took your company less than 24 hours to get us denied for the property because of an accurate information on your tenant screening report There are no Repercussions for your company having wrong information and that needs to change
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active loan with XXXX XXXX that began in XX/XX/2016. I filed bankruptcy but had this loan excluded from the bankruptcy and made/making all payments. Court papers were filed and are on file with XXXX XXXX that this loan was excluded and remains active. 
I spoke on the phone with a customer service rep who acknowledged that XXXX XXXX had the court information. 
XXXX XXXX continues to report that the loan is in bankruptcy, reports late payments, and won't provide monthly statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  credit report I mention Barclay 's bank does not belong to me. I informed Barclay 's bank as a fraud. They mention it will be place as fraud, however XXXX  has yet to remove it from my credit report, hurting my credit. 


Barclay 's bank is my other credit reports.
Product: Credit card or prepaid card

OnXX/XX/XXXX - connecting flight through XXXX- purchased small magnet and wooden doll - asked sales clerk who spoke perfect XXXX about the price - $ XXXXUSD - gave credit card and handed sales slip written in XXXX with the amount of XXXX rubles - upon return home, discovered a charge of {$340.00}, not {$40.00}. Disputed charge onXX/XX/XXXXand XX/XX/XXXX to Bank of America ( Case # XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) and received reply that ... '' By giving account number to merchant and/or signing sales slip, ( I ) authorized them to bill account for the amount in question. '' Bank of America failed to investigate my claim, failed to hold back the charge while they investigated the matter and on XX/XX/XXXX ( XXXX PST ) spoke to Customer Rep. XXXX XXXX  in Tennessee who said there was nothing they could do, even though this unauthorized charge violates the Fair Credit Billing Act and Bank of America refuses to do their job.
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I provided BoA with a copy of the sales slip -- -and this obviously is not the first time it 's happened to unsuspecting tourists. Sadly, BoA refuses to abide by the Truth In Lending Act and should be sanctioned for failure to follow the law.
Product: Credit card or prepaid card

On my credit card there is a charge for {$60.00}, I didn't get what I ordered and the company I ordered from is illegally listing a support number to get my money back that does not work. I have notified the XXXX, I want to dispute my charges
Product: Credit card or prepaid card

on XXXX my cc was billed for 2 separate transactions with XXXX. one for XXXX and another for XXXX we notified XX/XX/XXXX to not charge my card as my employer would be paying for this joint advertising. it was to late XX/XX/XXXX charged my card. my company sent a ck for the XXXX account to our XXXX XXXX partner for our half of the advertisement. XXXX then sent a ck for the full amount to XXXX, their half and they had our half from receipt of our ck sent to them. since my cc was already charged i called chase XXXX XX/XX/XXXX to reverse the charges. they reversed the XXXX but they did not reverse the XXXX and i cant understand why as they have not communicated that to me. i need this XXXX reversed. thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX COMPLAINT Equifax intentionally refuses to be in compliance with FCRA laws & more importantly Fair and Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress. 

On the onset, Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to XXXX XXXX, in 30 days and or til date, despite XXXX XXXX repeated requests. Second, XXXX XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, XXXX XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX XXXX. Hence, Equifax again went silent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit report with XXXX, Trans Union, XXXX that I have an issue with. I have done online disputes with all three companies at 3 different times. Each time I dispute the accounts the credit reporting agency states that the information is reported correctly. 
The two accounts with errors have the wrong account open date. Both accounts state that I open them in XXXX. I believe the correct date is in XXXX because the debts are at least a couple of years old. The accounts also have been closed for at least two years. 
Each time I try to dispute the items the credit report agencies never update the information and state that the information is correct. 
I am not able to prove the account dates and I am requesting assistance obtaining this information.
Product: Debt collection

UR COMPLAINT 15 U.S. Code $ 1681c-2. XXXX XXXX XXXX experienced a significant data breach in 2021. In XX/XX/year>, it was reported that hackers had stolen the personal information of about 70 million XXXX & XXXX customers, including myself. The stolen data included names, phone numbers, physical addresses, Social Security numbers, and dates of births. I want these items deleted from my credit file. XXXX XXXX XXXX XXXX As an affected customer, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social Security number, and date of birth. The exposure of such sensitive data put me at risk of identity theft, fraud, and other malicious activities. I am requesting the following actions to mitigate the potential impact of this breach : Credit Monitoring and Identity Theft Protection : I request thaXXXX XXXX XXXX XXXX provide complimentary credit monitoring services and identity theft protection for a minimum of two years. This should include regular credit reports, alerts for suspicious activity, and access to identity restoration services if needed. Assurance of Enhanced Security Measures : I would like a detailed explanation of the steps XXXX XXXX XXXX is taking to enhance its security measures to prevent future data breaches. This should include information on improved data encryption, access controls, and employee training. Compensation for Any Losses : In the event that I suffer any financial losses or damages as a result of this data breach, I request that XXXX XXXX XXXX provide fair compensation to cover these losses. This includes reimbursement for any expenses incurred due to the breach, such as costs associated with credit monitoring and legal fees. Please acknowledge receipt of this letter and provide a response outlining the steps XXXX XXXX XXXX will take to address my concerns. I trust that XXXX XXXX XXXX values its customers privacy and will take the necessary actions to resolve this matter promptly and satisfactorily. Thank you for your immediate attention to this serious issue. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Date Sent : XX/XX/year> ATTENTION, NOTICE IS HERE BY GIVEN : ON, XX/XX/year> I, SUR-NAME : XXXX XXXX XXXX Given Name : XXXX XXXX delivered a AFFIDAVIT IN SUPPORT of DEFAULT Did participate as a third-party witness to your acquiescence assent Certain contractual obligations titled : DEBT VALIDATION along with supporting documentation affirming said acceptance acquiescence and assent. 

On ( XXXX ), Ive enclosed with this document ( SEE ATTACHED ) here is my certified mail # XXXX, I submitted a request to XXXX XXXX XXXX XXXX and TRANSUNION for validation of a debt reporting on my consumer report. However, despite the legal obligation imposed by the FDCPA, I have not received any response or validation of the debt within the required time frame XXXX This failure to validate the debt constitutes a breach of your obligations under the FDCPA. As such, I am issuing this formal notice of default and providing you with an opportunity to cure this breach. 
To remedy this situation, I request that XXXX XXXX XXXX Team provide validation of the debt in question within ( XXXX business days ) from the date of this notice or remove this account from my consumer report. This validation should include all relevant documentation and information pertaining to the debt, as required by the FDCPA. 
Failure to cure this default within the specified time frame may result in further action being taken to enforce my rights under the FDCPA, including seeking legal remedies available under the law. 
I trust that TRANSUNION SHALL treat this matter with the seriousness it deserves and take immediate steps to rectify the breach. Please acknowledge receipt of this notice and provide confirmation of your intentions to comply with my request for debt validation.
Product: Debt collection

There is an account on my credit report from CACH , LLC with an amount of {$10000.00}. 
I have no idea of what this is from or where the debt came from. I have disputed this multiple time with CACH , LLC. I have been told every time that it is " verified '' but I have never received one document of any proof. This must be a case of identity theft. 
CACH , LLC has filed Bankruptcy in XX/XX/2017 and Resurgent Capital is the alleged servicer of the account. 
This debt was caused by Identity Theft and Resurgent refuses to deal with my claim. 
This debt needs to be removed from my credit report and all collection efforts ceased by Resurgent going forward. 
I have attached a doc that show the reporting on my credit file.
Product: Debt collection

We switched from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX internet a little over a year ago. We did that based on the promise that all of our past debts would be written off and we wo n't have to worry about it. We believed them until I started getting calls from some agency claiming that the debt was still owed to XXXX XXXX XXXX. We believed them when they said we owed nothing, but we took care of it with XXXX XXXX XXXX and it should 've been paid off. 
Yet we still get calls about every XXXX months from the same agency. Never a written item, just a call, claiming the same thing. I tell them it 's taken care of and to get the number off, but they keep the same pattern up. I do n't know who the company is, just that they keep calling and telling me the same thing over and over and over again. I have had enough! I want them to stop harassing us about this debt since, as I know a little about collection laws, they have invalidated it by not sending us anything in the mail ... .ever. It needs to be received within XXXX business days, and we never got a single mailed item from these people. We want them stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a copy of my credit report to ensure all information is accurate and legitimate. I notice XXXX XXXX is reporting false and inaccurate information to XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, and Experian XXXX XXXX XXXX XXXX, Texas XXXX XXXX 

The information they are reporting is inaccurate and a violation of HIPPA privacy. 
XXXX XXXX account # XXXX, XXXX, XXXX XXXX are DUPLICATED on the Credit Reporting Agencies Someone else personal medical information is online with the above companies. I am asking this matter be investigated and validated. According to federal law 15 USC 1681 s-2 ( 9 ) this is a violation of my right. 

This account was part of a I.D . theft claim that I previously reported, this is a violation of reinsertion requirements due to the Credit Reporting Agencies having allowed it back on the credit report. They have violated 15U.S. code 1681i Also XXXX continue to report XXXX XXXX Account # XXXX on my credit report.
Product: Credit card or prepaid card

I received my XXXX 2017 credit card statement from Synchrony and on that statement I am being charged interest. Instead of following my instructions of paying {$70.00} on the promotion charge and the rest on my other auto charges they are reducing the full amount of my payment toward only the promotion amount and not deducting from my other expenses as instructed causing me to incur interest charges.
Product: Credit reporting or other personal consumer reports

A bankruptcy is listed on my credit report along with a creditor by the name of Credit Acceptance Corporation. My identity was compromised and I need these items removed and block as a result of me not creating a relationship with neither company. 

I have never filed a bankruptcy. I have tried contacting the court concerning this matter several times. Please assist.
Product: Checking or savings account

I did a mobile deposit with Wells Fargo on XX/XX/2023 by taking images of the check. After I deposited the check ( from my job where I have received direct deposit multiple times before ), I received a pop up notification that stated {$220.00} will be available on XX/XX/XXXX  and {$590.00} will be available on XX/XX/2023. I waited until the XXXX and no deposit was available with my account now in negative balance. I figured I would wait until the XXXX to give it an extra day since the notification said the other funds would be available then. I checked in today and saw that I was not only charged a {$35.00} overdraft fee ( which would have been avoided if the amounts stated above were deposited ) but that my paycheck still had not hit. 

When I called in, the automated system now said my paycheck was being held until the XXXX- so over a week later after depositing the check- with no heads up that this was happening. I finally talked to somebody who stated that the check was being held because the financial institution had not released the funds yet. If that is the case, fine, but don't have a pop up stating that the funds will be available on specific days. It's very deceiving to consumers to think their money will be available on the stated days their bank is telling them only to see that is not the case.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern I am writing this letter to dispute the following information account, XXXX Bank XXXX, account # XXXX. Going over my credit report ( XXXX ), I have found it has many errors, including on all XXXX  CREDIT BUREAS. There is different information REPORTING ON ALL THREE CREDIT BUREAS. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. I NEVER AUTHORIZE SUCH ACTION AND THIS CONSTITUTES A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT 604 AS WELL AS A VIOLATION TO MY RIGHTS OF PRIVACY. I am requesting that these items be removed. I respectfully request a copy of any authorizing credit inquiry and sign on my behalf so that I XXXX verify its validity.
Product: Bank account or service

I have bee writing the consumer complaint department about a bank issue with XXXX XXXX XXXX and Wells Fargo { Wachovia }. when i got my XXXX settlement in XX/XX/2011 I put XXXX and XXXX at XXXX XXXX XXXX and XXXX at Wells Fargo. there was XXXX dollars stolen from XXXX XXXX XXXX and XXXX stolen from Wells Fargo. 
I tried to take Wells Fargo to magistrate court in XXXX, SC and XXXX XXXX XXXX I filled out complaints at BBB, Consumer Affairs, FTC and CFPB. In light of what has happen in the past months or so there has been a CLASS Action law suit filed on both banks both for consumer FRAUD, XXXX XXXX XXXX was for mortgage Fraud and Wells Fargo FRAUD was about consumer false accounts and credit card issue, both is what has happen to me but still yet no one is willing to help me get my money back. i have been very sick with XXXX. I was planning on trying to get a house with that money. My situation involves someone trying to get mortgage loan and credit cards which also shows up on my credit report, i have had a number of fraudulent accounts to show up on my credit reports all of which i have to seen along with this complaint. If someone could just take a look at my paper work you can see how they access my account and took my money. i have filled out affidavit and numerous complaints. I am hopeful to think that since what has happen with other court actions that there may be a chance for me to try again to get my money back.You can see from paper work that someone maybe a person whom work at the bank access my account by using the people whom were drafting from my account for my monthly car insurance draft and my monthly renters insurance fee, they went in took the money from there and left XXXX amount .if someone could take interest in letting me know how i could have got in on the class action law suit or if someone at the CFPB could become interested enough to point me in the right direction or if its just a loss cause at this point. I have been complaining about since it happen and i also notify the Social Security XXXX Office..XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH XXXX, XXXX OR EXPERIAN DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE STRESSING ME OUT.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, PLEASE REMOVE ALL DISPUTED ACCOUNTS OFF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and a lot of accounts were taken out in name including student loans. Please help me to rectify these fraudulent accounts : Dept. of Education/XXXX in XX/XX/XXXX for {$68000.00}. Ive constantly called them to setup payments to avoid it dragging my credit down any further. This is not my account!! Other accounts are as follows : XXXX XXXX XXXXXX/XX/XXXX Balance : {$1100.00}. 
XXXX XXXX/XXXX XXXX XX/XX/XXXX Balance : unknown XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX credit limit : {$2000.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Resolution XXXX
Product: Debt collection

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g I clearly sent, '' I.C.System Inc. '' a Cease and Desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.Pursuant to 15 USC 1681. I the consumer have 30 days to a reinvestigation. I am submitting this complaint to make sure I receive my proper investigation within these 30 days.
Product: Mortgage

We bought a house in 2005 using XXXX XXXX. We have owned the house for 10 years, had the account on auto draft, and never missed a payment. In XXXX XXXX XXXX sold the mortgage to Nationstar. Without any correspondence we find out through our credit score that Nationstar is reporting us missing a payment and 60 days late. We contacted Nationstar immediately and provided them will all of our bank statements and documentation showing where we have made all payments. The result is everytime we call we get a different indiviual. Most of the time the english is so broken you ca n't have a coherant conversation. Next, Nationstar will not let you speak directly with the official looking over your case. Everytime we call someone will tell us it 's fixed and then they 'll transfer us and the next operator will tell us they have not even opened up a case number on our complaint. Finally today, Nationstar asked me for bank statements again to include statements from XXXX XXXX. They did not obtain the mortgage until XXXX. This has severely affected my credit score and XXXX transitioning out of the service in the next several months my credit score is crucial in mine and my family 's transition into civilian life. Nationstar has admitted over and over again that it 's " their system 's mistake '' yet they refuse to fix the problem. I do not know where else to turn at this point. When you provide a company black and white proof that you 've done the right thing and they continue to sit on the problem while it affects your financial future is beyond infuriating.
Product: Checking or savings account

TD bank is involved in this large fraud as I am not the only one. Two accounts were opened for me, a checking ( I got these checks in the mail ) and a XXXX XXXX. 
The account was opened in XXXX when I called the bank they said it was opened on line, so there was no way to track how it was done. There was no help from them actually extremely rude. And later I found out that this couldn't even be done over the phone and I needed to prove to them who I was. SO I asked when I supposedly open the account how did someone proved it was me then. It was done on line they said, so I can't close it over the phone but you can open it without a pic ID? 

Of course I immediately called again spoke to the fraud dept. but heir costumer service which transfer me they did so to everyone under the sun, yet no one that was really in charge. Finally someone said we are closing this account, report it to your credit bureau and the police if you want, and freeze your credit report. 
After I thought the matter was done I got checking books, statements with an amount of {$5.00} and more statements letting me know that there was a transaction one XXXX a person called XXXX XXXX sent {$10.00} with 2 different transactions. 

Later more statements letting me know I was overdrawn {$5.00} I have received statement after statement although I called them to close these accounts again and again and even went personally to a branch to resolve this problem, today the end of XXXX I am getting more statements. I asked how can this be done without any ID? I don't know it was her answer, extremely rude woman here in XXXX XXXX XXXX XXXX.