23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$5300.00} XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$4300.00}, XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$3300.00}, XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$3200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$250.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$950.00}, XXXX XXXX XXXX  Account XXXX XXXX date opened XX/XX/XXXX Bal. {$940.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$240.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$220.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$150.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX, 2024, I ordered a red dress from an online shop- XX/XX/XXXXXX/XX/XXXX for XXXX and used the Afirrm/Shop pay feature- Buy now pay later. The payments were broken down into 4 equal payments, every two weeks. I have use this service many times before and had no issues. 

After a few week passed, and I didnt recieve the dress... I contacted XXXX and asked wher my order was. I was informed that their were issue getting the shipments out and they only offered an apploogy. 

After that, I contacted Affirm and informed them that I did not recieve the item and I was filing a complaint- as the payments were still owed to Affrim. Affirm open a case to reviewed the issue and informed me that they will report their findings. 

On XX/XX/XXXX i recieved an email from Affirm that they had a resolution with decidec that I still owed to pay for a dress that i did not recieve. I quickly reopened another complaint with Affirm- Case # XXXX and requested that they ask XXXX to present proof of delvery, what carries and the time and date of delivery. I requesting that they do due dilligence to prove to me that the dress was delivered to me- As I know it was not, However, it is impossible for me to prove a negative. 

The buy now and pay later option is a great for consumers, however- the consumer is exposed for the payments ... if the vendor does not deliver the good and the consumer is still responsible for the payments.
Product: Debt collection

This company has repeatedly called my cell phone and place of business. I have asked them to not call my work and to also send me in writing a letter about what they want. They refuse to give me any information unless I verify the last XXXX of my ss number. I have no idea who is on the phone and would like something in writing which they refuse to send. They continue to say that they are going to serve me with " notice '' and say that they will be by my house to which they never show up. They call everyday and I am so frustrated with them, if I owe a debt why do they refuse to send me anything in the mail and why do they not show up to serve me my legal documents when they say they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are both furnishing inaccurate information on my consumer report regarding an XXXX. account. They are both reporting this account as a collection and a charge off. Which one is it. There are a host of Inaccuracies associted with the information furnished.
Product: Checking or savings account

Albert claims to be a financial service to automate your finances. They have stored my personal information and charged me {$8.00} fee after I asked for my account to be closed. My bank account that I linked to Albert has had unauthorized charges on it since I became a member.
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. Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Iam writing to remove several unauthorized hard inquiries listed on my credit report. On XX/XX/XXXX I looked at my report and saw these unknown inquiries. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, a consumer report can only be furnished for permissible purposes, such as when the consumer has given explicit consent or when there is a legitimate business need initiated by the consumer. I believe the following inquiries do not meet these criteria. I have attached them to this message
Product: Debt collection

I received a bill over 2 years ago from XXXX regarding a phone bill for service that was transferred to another carrier following my leaving employment with the company. I escalated the issue to a vp regarding the charges, they agreed that they were invalid and agreed to resolve. A family member contacted me today saying they had received an email from this company with a confidential matter. Why was it sent to a family member and not me? They exposed my mailing address and did not verify the account when I called in regarding this breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX contacted Equifax through mail numerous times throughout the year to validate a debt ( charge off ) from XXXX XXXX pursuant to 15 USC 1692g of the FDCPA. To be honest its kind of hard to even tell the exact date due to the fact I have various inconsistencies of the date opened throughout all 3 credit reporting agencies attached below which is a violation of the FCRA & defamation of character. There are also inconsistencies of the " Date Last Active '' highlighted below. 

Equifax has also been made aware that they have violated Federal law pursuant 15 U.S.C. 1681a ( 3 ) -Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
-Pay attention to the key word assumed, I, the natural person, consumer and original credit, XXXX XXXX XXXX never gave Equifax the right, written consent, to report such negative information. No consent is identity theft. This is Defamation of Character & Equifax must have respect for the consumers right to privacy. 

Fact, I XXXX XXXX am aware and has proof that Equifax has violated Federal law pursuant 15 U.S.C. 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, the natural person, consumer and original credit, XXXX XXXX, never gave Equifax the right to report such negative information. No consent is identity theft. This is Defamation of Character & Equifax must have respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a {$1400.00} debt claimed by XXXX XXXX XXXXXXXX, as I have never engaged in any business with your company. I received a letter demanding payment for a transaction I do not recognize. I request a thorough investigation, documentation of the alleged debt 's legitimacy, and removal of this account from my credit report pending resolution. This collection has caused me to be ineligible for closing on my forever home.
Product: Debt collection

Despite submitting my request on XX/XX/XXXX and JPMCB AUTO acknowledging receipt on XX/XX/XXXX, I have yet to receive any form of correspondence or information as of today, XX/XX/XXXX. 
The specific account details associated with this dispute are as follows : Account : JPMCB AUTO Account Number : XXXX Date Opened : XXXX/XXXX/XXXX I demand an immediate and aggressive investigation into JPMCB AUTO 's blatant refusal to provide the requested information. This failure to comply with my rights demands swift and decisive action on your part. I expect you to exert your authority and forceful measures to rectify this situation immediately.
Product: Credit card or prepaid card

I contacted chime regarding a charge for derive that was required to be made XXXX for a service used in XXXX. I was informed by the merchant that I would mot be able to utilize service even though Id already paid the fees. I filed a dispute on XXXX with chime, in less than 24 hours chime declined my dispute. I immediately called chime and spoke with an individual who could not speak English very well, she began speaking in XXXX and eventually hung up. I was told they did not find any wrong in the claim but they denied it less that 24 hours.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts suddenly appear on my credit report this morning, and I cant figure out why. I checked my report as part of my usual routine, but this time, there were unexplained errors. I even refreshed the browser, hoping it was a glitch, but the inaccuracies remained. Because of this, I am requesting that the documents Ive submitted be reviewed thoroughly to ensure this doesnt happen again.
Product: Checking or savings account

Today Barclays locked me out of my personal savings account that I have had with them for five years. Last week I opened a new checking account with XXXX ( XXXX ) and linked my new XXXX account to my Barclays savings account. Today, Barclays locked me out of my savings account. I can no longer log in or access my funds. Barclays said they did this for my security because my XXXX account is new and they can not verify that I am the person who opened it. But I am the person who opened it and losing access to my savings account does not feel secure at all, especially right now. Barclays asked me for a bank statement and a verification letter from my new bank. Barclays said it would take at least two days and possibly a week before they would restore my access to my savings account. I don't know who to go to for help about this. Barclays said it was their security department who mandated that I be locked out of my account since they can not verify my new XXXX account. This does not seem right to me. My mortgage payment is to be withdrawn from my Barclays account in a few days.
Product: Credit card

-- -- -- -- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM # -- - XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XX/XX/2023 I entered into a consumer credit transaction with DISCOVER for an extension of my own credit in the amount of {$25000.00} where DISCOVER acquired my credit card as defined under 15 USC 1602 to conduct a Finance Charge via a negotiable instrument application and has denied my own extended credit and RIGHT as stated under 15 USC 1691a. DISCOVER has now obtained my personal identifying information for purposes I am unaware of and are now in direct violation under 15 USC 1681q. DISCOVER states that I have read the agreement and gave consent to DISCOVER to furnish on my consumer report. THIS HAS NOTHING TO WITH DISCOVER AND MY CONSUMER REPORT. DISCOVER has DISCRIMINATED against me by denying me my RIGHT TO CREDIT IN COMMERCE and have even insulted me by blatantly reciting the ECOA provision they willfully violated where it states " The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants ... .or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. I HAVE EXERCISED MY RIGHT TO CREDIT AND INSTEAD HAVE BEEN ABUSED< DISCRIMINATED AND INSULTED BY DISCOVER. AND HAVE BEEN DISCOURAGED TO EXTEND FURTHER CREDIT IN THE BANKING SYSTEM AND HAVE LOST CONFIDENCE IN THE BANKING SYSTEM
Product: Credit reporting or other personal consumer reports

There is a " statement '' that is listed on my EQUIFAX credit report, which I did in error. The statement was supposed to be information listed for disputing an inaccurate item on my credit report. I called and spoke to EQUIFAX directly to remove this STATEMENT verifying my identity and everything. EQUIFAX said they would remove this statement and still have not. This affects my credit because when creditors pull my credit report, they can see this, and they think that my credit has been compromised.
Product: Credit card

On XX/XX/XXXX XXXX, I used my XXXX Capital one credit card to prepay in advance for a future XXXX XXXX XXXX in Arizona for a business trip, in the amount of {$1100.00}. Around XX/XX/XXXX, I paid Capital One the {$1100.00} amount in full, prior to the hotel stay. On XX/XX/XXXX, I arrived at the hotel and was denied access to my advanced prepaid XXXX reservation, until I paid an additional {$700.00}. I paid an additional {$700.00} using my XXXX Credit card. During my stay I experienced many challenges, the hotel did not provide certain advertised amenities. I tried to resolve my concerns at the hotel level but was unsuccessful. On XX/XX/XXXX, I filed a partial dispute with Capital One, in the amount of {$700.00}, for dispute codes XXXX misrepresentation, and XXXX services not as described. On XXXX XXXX Capital One XXXX a provisional credit in the amount of {$700.00}. However, the credit value was never applied to my current or future account balance., i.e. it was just for show, it had no real value, and I never benefitted from the ( illusional {$700.00} credit ). On XX/XX/XXXX, Capital One requested additional documents for my dispute, proof of services not as described, and the name of the person ( XXXX ) whom I spoke with at the hotel in an attempt to resolve my concerns. Around XXXX XX/XX/XXXX, I uploaded the requested documents to Capital One through a secured email sent by Capital One. Around XX/XX/XXXX, Capital One responded that they could not assist, because I did not send them the requested documents and the dispute was now closed. This was completely false. I sent them over XXXX pages of requested documents. When I asked Capital One to reconsider and review the documents submitted, they refused without justification. Around XX/XX/XXXX, I called Capital One and requested arbitration, because I disagreed with their findings, I was harassed, lied to and denied. On XX/XX/XXXX, I called Capital one again and spoke with a fraud and dispute XXXX named XXXX. I informed XXXX  that I wanted to arbitrate Capital One decision, Mercy, refused to assist me by first telling me that I could not arbitrate, then stating she did not know how to submit an arbitration claim on my behalf. I asked if there was another fraud and dispute XXXX that i could talk with, Mercy, stated no. I asked Mercy to file a complaint on my behalf and provide me with a complaint/ case number, Mercy XXXX me no she would not file a written complaint on my behalf. Capital One has defrauded me out of {$700.00}, failed to properly investigate mt=y dispute and denied me access to arbitration.
Product: Vehicle loan or lease

Santander Consumer USA has lied to this agency. They never sent me any paperwork after the repossession of the vehicle as they purportedly claimed to have done previously. They have reported this debt inaccurately to all three credit bureaus which I have the proof from 2 to 3 bureaus that the account is being reported falsely and fraudulently. 

Furthermore, I have received zero paperwork from Santander Consumer USA showing how much the vehicle sold for in proof that it actually sold for that price rather than taking them afterward due to the number of numerous class action lawsuits that they're currently involved in for deceptive lending practices. They turned around and charged off my account but yet they say the account is still open. How can a charged-off account be still open? 

They haven't sent me one shred of paperwork showing what sort of payment arrangements can be worked out and I was told after the conversation to repossess a vehicle that I would be sent paperwork showing how much do beagles sold for whereby I could resume making payments at that time. Conveniently Santander Consumer USA claims that they can not furnish proof of said conversation in which seems very highly suspect.
Product: Checking or savings account

I was sent multiple ( at least five ) ads to open a savings account with Citibank and was promised frequent flyer points and a 0.75 % interest rate ( apy ). Immediately upon depositing the money they set my rate to 0.5 %, 2/3 of what was promised. I consider it false advertising and fraud. 

I called them and they said they have the right to change interest rates anytime they want. I've told them they have to honor what they advertised since it was on that basis that I opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed an account I don't recognize. XXXX XXXX Account # : XXXX has TWO different balances pertaining to this one account #. I reached out to XXXX XXXX asking for proof of this debt 's original application or contract bearing my signature and they have yet been able to provide me with proof of debt. Experian has violated my consumer rights by furnishing this account. 

Under 15 U.S.C. 1681i ( 7 ) method of verification this account is in violation and was reported without valid evidence.

Under 15 U. S. Code 1681 e ( b ) and 15 U. S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate.
Product: Mortgage

The original lender promised not to sell or transfer my loan ; however, it was transferred. Finally, it wrongfully transferred from XXXX to Wells Fargo who foreclosed on me despite me supplying appropriate documentation that proved I qualified on all levels for the loan forbearance program.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 1 ) Acct name : XXXX XXXX ( trans union ) and XXXX XXXX XXXX XXXX XXXX XXXX *15 U.S.C.1681 602 ( a ) ( 4 ) : States I have the right to privacy. *15 U.S.C 1681b 604 ( a ) ( 1 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions. *15 U.S.C.1681c ( a ) ( 5 ) : 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 seven years. *15 U.S.C 1681s-2 623 ( a ) ( 1 ) ( A ) : States a person shall not 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: Mortgage

I filed a chapter XXXX, XX/XX/2016, I applied for a Deed in lieu with Select Portfolio Servicing and was approved by them gather all my information and submit it via Fax, and Email, received confirmations that all information was received, 4months go by I heard nothing then out of blue the last two weeks of XX/XX/XXXX they stated that they do n't have copy of my satisfaction of mortgage, I submitted the information via email, email confirmation stated that received, then 30 days later I called back for up date, they stated that it was not recorded correct, I then called my county courthouse and spoke to the records department and they stated that it was recorded right and there is no lean on the property!! After I called SPS back the same day, now it 's a mistake and they need a copy of my divorce decree, I was mad because that was sent in the beginning, I purchased the home in XX/XX/2006, and got divorce in XX/XX/2008, it states on the decree that I am the owner of the property and other findings, as well. They keep giving me the run around and the sad part is I was the one calling and follow up!! I called the ombudsmen department and XXXX, from the department stated that the underwriting department has n't touched my account since XX/XX/2016. I called my relationship manager XXXX and asked her why she lied and told me that the underwriting department was still looking at it and that the ombudsmen department said it was not looked at since XX/XX/XXXX. She had no explanation for thRee and that it would be submitted urgent need!! I am so tired of this process and prolonged the process they are unprofessional and liars they deceive their customers!!! Can you help me!!
Product: Credit reporting or other personal consumer reports

According to Cushman v Iransunion 1997. Iranunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681, 15 USC 1681 {$2.00}. 15 USC 16815, 15 USC 1681eb. Delete ACCOUNTs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a correspondence letter from XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX, and that it was an attempt to collect a debt for a specific amount. On XX/XX/XXXX, I submitted a written correspondence, via USPS, to the Company advising, " Please cease and desist any and all future correspondences and attempts to collect on this account and any other account from XXXX XXXX XXXX, XXXX and/ or its subsidiaries. Thank you '', along with my written signature and date ( XX/XX/XXXX ). I, again, received a second correspondence letter from XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX, and that it was an attempt to collect a debt for a specific amount. On XX/XX/XXXX, I submitted a written correspondence, via USPS, to the Company advising, " Please cease and desist any and all future correspondences and attempts to collect on this account and any other account from XXXX XXXX XXXX, XXXX and/ or its subsidiaries. Thank you '', along with my written signature and date ( XX/XX/XXXX ).