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

Equifax is WELL AWARE that I am a victim of identity theft. It is obvious that this company is NOT concerned about violating my consumer rights by reporting incorrect information. The following accounts are not only frivolous and fraudulent accounts, but Equifax continues to IILLEGALLY report them as if the information is correct : 1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX, XXXX # # # # # # XXXX The following inquiries are also fraudulent, not authorized by me, and being reported. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, COMENITYCAPITALXXXX Reported : 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, All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from Fedloan Servicing distinctly stating that my loans were in forbearance from XXXX to XXXX. However they are reporting me 90 days late for the month of XX/XX/2020. I disputed this information and provided the documents ( attached to this complaint ) and they refuse to correct the falsely reported information. I spoke with a representative ( on their recorded line ) and he verified that my loans were and are in forbearance from XXXX to XXXX and current. Before that representative I spoke with someone else and he informed me that I am current in their system & told me they will not update the credit bureau. 

Please review the documentation & have them remove the late payments. You will clearly see the discrepancy. Thank you.
Product: Credit card or prepaid card

I received my credit card statement from XXXX on XX/XX/22 for the statement period of XXXX and it includes interest charge ( {$4.00} ) and late fees ( {$29.00} ). In reviewing the statement, I realized that it shows me being past due for the XXXX payment. I've had this credit card for several years and have ALWAYS paid it in full each month before its due date. I checked all my bills for XXXX and did not find any statement from Barclays for that month. All of my bills for XXXX had been paid in full and on time. I called Barclays on XX/XX/22 at ( XXXX ) XXXX and spoke with XXXX to explain the situation and my concerns. He said that Barclays sent the bill on XX/XX/22 and will resend it to me for my record. I explained to XXXX that my payment history with Barclays should show that I have ALWAYS paid my credit card on time, in which he acknowledged and thanked me. He did not offer any other recourse. I have no issue paying my bills in full and on time when I receive my account statement because that is my responsibility. The bank/financial institution has the responsibility to send those statements out on time to customers. In this case, I did not receive it for XXXX.
Product: Debt collection

The company is called ability recovery services, the continue to call and harrass me over a debt I have no knowledge of. They have contacted my employer multiple times trying to collect a Debt I have no knowledge of! The dinged my credit report as they said they would. The very first calls started at this beginning of 2022 and haven't stopped. They said they would make whatever attempts necessary to collect. Everytime they call its nothing but angry people making threats. It is really crazy because I do not have any knowledge of this account. They have dinged my credit with all 3 major credit bureaus. They even have the wrong address listed on my credit report. An address in XXXX. I have never ever lived anywhere else but ohio in my adult life. Please help me!
Product: Credit card

On XX/XX/year>, I tried to book a flight with XXXX XXXX. They advertised that if you applied for the credit card and paid for the flight with approved credit card, that you would earn a statement credit of {$200.00} and XXXX bonus miles. 

I was approved but never received the credit card number to complete the purchase. I called support and was redirected 4 times because there was a problem with my application. After finally reaching the right department ( my call wasn't automatically redirected, they provided me a number each time to call ), I finally was told that the advertisement was wrong and that it should be removed from the website ( which doesn't make any sense because it's an XXXX XXXX card and every other airline has a similar advertisement. For example, I immediately went to XXXX and was able to be approved for their card and use it to purchase a flight ). I then proceeded to tell the customer support rep to cancel the card, because I was not interested in using a credit card unless I got the benefit. 

They then proceeded to send me a card anyway. And then there was issues with the login that no one was able to help me with so I haven't been able to get into the account to cancel the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit card or prepaid card

Hi Dear customer service, I received an email from XXXX  XXXX  that my Chase bank sent a 30 days late payment to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX 's department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is Chase bank. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to Chase bank and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to XXXX I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that chase bank will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic. As you know many people had financial hardship in the last 5 months because they have lost their jobs. I lost my job too, but still I tried to make my payment on time even with less amount. Also, I was taking care of my sick mom and old dad and helping them financially during this hard time, so it was really hard for me to pay the full amount to my credit card companies.You are the only one that can help me in this hard situation, so please do me a favor and ask the Chase bank or 3 credit bureaus to remove my late payment from my credit report. I promise I would never pay less amount to my credit companies. I am really appreciated for your time and sorry to bother you. May God Bless You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect fraudulent inquiries on my credit report. below are the inquiries listed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Opened an account with substantial funding. XXXX rep told me that if I added $ XXXX the interest rate would stay at 1,35 % for another 6 months. I did, but instead, they reduced the rate to 0.27 %. I contacted them and told them that I did not agree to this interest rate and that they should close the account and send me my money back. They kept promising to fix this " mistake ''. Nothing happened even after almost 3 months of my attempts and utmost frustration. I asked them to close the account and send me my money and they failed to do that after several months. In the meantime I am losing money, since I could have invested it in good investment opportunities. So at this point I consider their act to be that of criminal, unauthorized possession of my money. Awful bank, awful lying personnel that does not give a XXXX about their customers. I am at a point of asking an attorney to file a criminal complaint in federal court over this issue that any normal bank would handle in one day. Malicious idiots, crooks and thieves is the best description of their personnel.
Product: Debt collection

At XXXX year XXXX after we broke up with my ex-girlfriend and after XXXX month ago I see all a letter of my mailbox. I have a lot of past due date of the credit card and when I sign up for XXXX XXXX I just find out I have so much credit card or XXXX credit card open Under my name without my knowledge when I contact the credit card, everything is past due and ill be trying to close the account and disputed a credit card and they told me I need to file the police report and file for court fraud and now I have all the document with the card card needed to prove it. Its not me sign up that credit card.
Product: Credit card or prepaid card

On XX/XX/XXXX, I disputed a charge that was made on XX/XX/XXXX for tickets to the " XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX '' for a total {$100.00} for the reason that the event was not as described and used misleading advertising.

Chargeback Dispute Details The advertising was misleading as the ticket name indicates this was to be a " XXXX XXXX XXXX XXXX ''. Further in the ticket description it was indicated that balloons would be available " weather permitting ''. However it was not indicated that " weather permitting '' meant winds of less than 10mph, which according to XXXX and other weather sites ( XXXX XXXX XXXX ) the average wind speed in XXXX in XX/XX/XXXX is 10mph, meaning that a balloon launch was unlikely. The 10mph wind limit was not listed anywhere in the ticket description nor on the website ( XXXX XXXX XXXX XXXX ). The event had a strict no refund policy which they iterated many times and would not offer a refund when requested via XXXX. They only offered a chicken dinner as substitute for the balloon ride passes which I did not accept. Without the balloons, the event is not a " XXXX XXXX XXXX XXXX '' but a XXXX XXXX   with a few food vendors. I was not the only one who felt scammed by this event. Many negative comments were posted to the XXXX XXXX XXXX page, but all were deleted. I suspect that XXXX XXXX also shutdown a XXXX group set up specifically for complaints for this event. Fortunately though, they weren't able to take down the XXXX XXXX XXXX article that was published detailing the many complaints for the event ( XXXX XXXX XXXX ).

As further evidence that this event was a scam, note that one of the partners of the organizers of the event, Senator XXXX XXXX  ( XXXX XXXX XXXX ) was previously investigated by the XXXX XXXX on suspicion of using funds from his charity polo match " XXXX XXXX '' to fund his political campaign ( XXXX XXXX XXXX ).

Dispute Process With Citi After I failed to get a refund from XXXX/XXXX XXXX I filed a chargeback request with Citi online. The only contact information I was given with Citi was a fax number which was to be used to fax supporting documents ( attached ). I never received followup that these documents were received. I attempted to call Citi several times with their customer service number ( XXXX ), but when routed to the Dispute Center, you are only given an automated message with the status of your dispute. You are not given an option to speak to a customer service representative to provide more details. I am extremely disappointed in Citi for this impersonal treatment. The only notifications I got from Citi was when they received a response from the merchant on XX/XX/XXXX and then another notification on XX/XX/XXXX that they reversed the chargeback in the merchant 's favor. The only details I received from them was a scanned copy of the merchant 's response. I received no confirmation that Citi ever received or used the information I sent them. I have no indication that Citi even bothered to read the information I sent.
Product: Credit reporting or other personal consumer reports

I have a charge off amount of {$160.00} on my XXXX credit report from the company XXXX. I came to an agreement with the debt collector agency called TrueAccord to pay the total of {$100.00} in order to resolve my balance, which was paid on XX/XX/year>. I have already disputed this account to be removed from my credit report since it has been paid already, but it always comes back as remaining in my account and not deleted.
Product: Checking or savings account

Ever since XX/XX/XXXX I've probably called XXXX XXXX  at least XXXX times XXXX, is the number that I've been told to call and talk to about my account that is temporarily frozen, and it always goes to voicemail, and I've left dozens upon dozens of voicemails and never received a call back my money account currently holds a balance of {$99.00} I've even had customer service escalate a detailed complaint to the Department to try to get some response and to email me or leave a voicemail if not answered none of which of those things have happened.
Product: Credit card or prepaid card

I opened a dispute on a credit account that appears reported on my XXXX, & XXXX credit report. The dispute has not been resolved yet. 
The account is from COMENITY BANK/ EXPRESS . 
The report shows that it was opened on XX/XX/2019, and it has a balance of $ XXXX dont recognize this account on my report. This account is not mine and I never spent that amount of money. I never opened a bank account with Comenity bank. The only bank accounts that I have opened is from XXXX XXXX XXXX. I dont know why it shows up in my credit report. I realized the existence of this bank account in my report this year when I when to XXXX XXXX XXXX asking for a loan credit for a car. I kindly request to investigate and remove this account from my accounts. It is affecting my credit report.
Product: Mortgage

This is a continuation of my previous case # XXXX. My mortgage company, PNC, is offering to extend my loan term from XXXX to XXXX, increase my rate from XXXX to XXXX. They claim my monthly gross income is {$11000.00} when in reality my gross monthly income is {$2300.00}. and my expenses including mortgage is {$3300.00}. During the application process I sent over XXXX pages of information. They knowledge my application was complete, however, the still requesting documents I have already sent. 
I am sending partial documents to support the information above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a vehicle loan in XX/XX/2018 and authorized one credit pull for approval. The auto dealership finance guy proceeded to pull multiple reports upon his leisure and not even trying to secure a loan before I left with vehicle. ( Which he lied about ) After much run around and having to secure my own loan through my credit union, the finance person proceeded to pull my report again. I reported him to his superior and had to use another finance guy to complete and update my paperwork. The original fiance person targeted and intentionally kept pulling my credit when I only authorized one pull. This resulted in my credit suffering. Id like to remove the excess inquiries.
Product: Mortgage

I have taxes escrowed. I received a letter saying a lien will be put on my property because XXXX school taxes were not paid. Ive called several times asking for proof that they were paid but have not received anything showing they were paid. Emailed letter from the attorney but the bank has not responded to the attorney.
Product: Credit card

I asked Capital One to issue me a credit for a purchase I never received. 

This is the letter I wrote to Capital One on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX To Capital One Dispute Department : In XX/XX/XXXX, my daughter and I needed a truck part which was a Pressure Steering Pump. I XX/XX/XXXX a company which I found to have the part I needed. On XX/XX/XXXX, I contacted the XXXX XXXX XXXX, and spoke with XXXX contact # is XXXX XXXX. Ordered the part and paid for it to be sent next day air. On XX/XX/XXXX I received the part the mechanic said this product did not fit or did not perform as we expected. I am not a mechanic ; however, I knew if it did not fit I needed to send the part back immediately so I can purchase a part that fit. I immediately contacted XXXX XXXX on XX/XX/XXXX telling him that I will be returning this part it does not fit. XXXX advised me if the part is in good shape and is not altered, I should be good to receive a refund. I confirmed with XXXX at that time it is ok for me to send it back to the address on the package, since they have several other locations, he said yes that was fine. On XX/XX/XXXX, I went to XXXX and mailed their unaltered part back. Tracking # is XXXX. Please see proof of delivery below from XXXX. Where they received and accepted the part back. 
So I waited a few days and did not hear anything so I called back on XX/XX/XXXX a few times spoke to XXXX and was then advised since the product was altered, which we did not have the product long enough to alter it, I would not be receiving the refund, and XXXX advised me that they were going to send me the product back so I can sell it on my own. Though I was not happy about it, I said OK. 
As of XX/XX/XXXX, which is the date I am typing this, I have not heard from them, nor have I received the part back. And now I do not want the part, its been over 60 days at this point. I want a full refund! XXXX XXXX after a few phone conversations, they have not sent the part nor refunded me. I do not have the Part, and no refund. I have tried on more than a few occasions to resolve ; however, it has proven to be a waste of time since they want to keep my almost {$900.00} purchase. Again, this is now over 60 days, and I am still dealing with this. I do not want the part ; I want a full refund. 
Thank you, XXXX XXXX I have attached the call log of my cell phone and the Dispute Department advised that I did not provide enough information. I have submitted all required. Also, with the charge, I still do not have the item I paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found two hard inquires on my credit reports opened XX/XX/2021 that I did not apply for, XXXX XXXX XXXX XXXX XXXX XXXX/BrclybankofDE. I think someone stole my information and attempted to open accounts in my name. I have contacted both XXXX XXXX and XXXXr, they can not find the inquires and no one will answer at Barclay bank of DE. XXXX is sending me a letter with the information to call the company but I did not open any new accounts.
Product: Debt collection

There is a hospital bill I paid {$100.00} that was bought by another collection company and given a new balance of {$90.00}. I never received a letter from Harris & Harris Ltd stating that I had owed them. It appeared on my credit score.