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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX  Bankruptcy Case Number : XXXX Delete From My CREDIT REPORT 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Delete From My CREDIT REPORT 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Delete From My CREDIT REPORT 7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XXXX  14. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach exposed my social security number and account information which is sadly floating around on the web and will be for the rest of my life. 

I attempted to call equifax to place a 90 day fraud alert but could n't get through. I repeatedly tried, including the online service and was unable because of server problem.
Product: Credit reporting or other personal consumer reports

" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide m with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. '' XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a customer reporting agency can not furnished a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft my wallets & social security 's card was stolen there are some accounts that where open in my name due to identity theft. Also there are addresses, accounts, and bills opened in my name that are not mine. I never gave authorization for any use of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an updated credit report today XX/XX/18 from XXXX  now they have listed XXXX XXXX XXXX XXXX twice as a charge off on my report. I am fed up as I cant get any help with XXXX  correcting this. This account I disputed several times because it was confirmed to be removed off my report now its listed two times. Which affects my credit score in a negative way. Also XXXX XXXX XXXX was to be deleted as well but is still appearing on my report.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I have a BBVA XXXX Credit  Card. The card was blocked by their fraud enterprise department on XX/XX/2021. I called in resolve the block on XX/XX/2021 and submitted the requested ID to unblock the card. After the initial stated 48 hours, the card was not unblocked on XX/XX/2021. I called back again to ask about the status and was told to wait another 48 hours. On XX/XX/2021, the card is still blocked and unusable.
Product: Checking or savings account

I am filing a complaint regarding Capital One not making my deposit available on time. I typically receive my deposit a day before my payday, which occurs on the XXXX and XXXX of each month. However, I have yet to receive my deposit, and it is now two days past my payday. As a result, my electricity has been turned off, and I am unable to make the payment with a snowstorm approaching. To make matters worse, with the holiday weekend, if I dont receive my deposit today, I wont be able to pay my electric bill until Tuesday. Additionally, my car payment ( that was prescheduled ) was declined due to unavailable funds, causing further inconvenience and fees. This situation is causing significant stress and hardship.
Product: Bank account or service

I want to bring a few concerns of mine to your attention in regards to a stop payment request I made on XXXX XXXX and XXXX to USAA. 
1. Lack of appropriate controls in place to ensure my stop payment request was placed on my checking account, costing me {$850.00} as a result,2. Working with representatives that ; a. Hung up on me when they became frustrated with my call, b. Provided me with false identification when I asked for a way to know whom I was speaking with for reference, i. I discovered this when I spoke with a manager who could not locate the agents notes or the agent when I provided the reference I was given,3. Unauthorized transactions on my account, a. I directed the last supervisor not to remove the stop payment fee as I paid for a service, to stop payment, the supervisor removed this fee specifically against my directionOn XXXX XXXX, 2015, I called USAA to request a stop on a check. I provided the representative with the check #, the name of the payee, and informed the representative of the approximate amount of {$880.00}. I told the USAA representative I was n't sure the amount was accurate. The USAA Representative informed me as long as I gave him the check # and the payee I made the check to, he would place a stop on the check. 

On XXXX XXXX, 2015, I called USAA back, to provide the exact amount of the check, which is {$850.00}. The representative informed me that it would take XXXX hours for the system to process and cancel the XXXX stop and the XXXX stop would set in. 

On XXXX XXXX, 2015 I checked my account and discovered the check had been cashed on XXXX XXXX, 2015. This was XXXX days after my last call with USAA to place a hold on the check. 

At this discovery, I called USAA and spoke with a representative who terminated the call unexpectedly. I called back and spoke with the manager and he confirmed the fault of USAA for not placing the hold on the check.. He informed that he noted my account and asked for my phone # for the Executive Resolution Team to call me in XXXX hours. 

The next day XXXX XXXX, I called USAA and spoke with the Executive Resolution Team, identified himself as XXXX. I explained my situation and XXXX was no help to resolve the mistake. XXXX stated, there is nothing he can do for me and he left me with no solution. I asked for his superior 's contact information and he said, he is the highest and gave me no information. 

XXXX said, he can credit me back the {$29.00} service and I asked him XXXX times to not credit my account. I informed him I do n't want the credit back to my account I wanted the stop payment service performed correctly. However, I checked my account the next day and discovered that XXXX disregarded my requests and still credited my account without my consent. 

This is just plain lousy customer service from USAA employees and there was nothing else I could have done to effect my goals. USAA failed and adding insult to injury refused to take any blame, responsibility or acknowledge wrongdoing beyond the failure to put in place the stop payment ( acknowledged by XXXX but denied by XXXX ).
Product: Vehicle loan or lease

Unwanted Hard inquiries on my credit report from car dealerships.
Product: Credit card or prepaid card

On XXXX XX/XX/2023, I contacted TD Bank to dispute a charge. 
I called in prior to the payment due date. 
I then received a letter stating : " The disputed amount and any related interest charges or other associated fees will not be included in the calculation of your minimum payment due. '' The disputed amount was the only charge on the statement. 
I then received a credit card statement with a fee of {$29.00}. 
When I contacted TD bank, I was told that the fee was assessed because I had not made the minimum payment. 
I was supposed to pay {$35.00} to avoid the charge. 
The associate that I spoke with at the time that I created the dispute, did not relay that information to me. 
The letter that I received from the bank does not mention that either.
Product: Student loan

I have a private student loan through Navient formerly known as XXXX XXXX. The problem I am having is that they offer no real assistance when a borrower is under economic hardship. The only type of a assistance you maybe be able to receive is interest only payments. Needless to say, in the long run you are still getting the short end of the stick because nothing is being applied to your principle. 
Another thing I find unreasonable about Navient is how they apply payments. After noticing that the money above the minimum payment due I had been sending in was not being applied to my principle, but to the interest, I was informed I could only do this if I was enrolled in their monthly automatic deduction plan. 
Another concern of mine. I work in a high needs/critical shortage area XXXX. I due not qualify for loan forgiveness because my loans are private loans ; unlike Federal student loans which allow loan forgiveness up to XXXX for qualified borrowers after working a number of years in the critical shortage areas.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, Transunion and XXXX both responded that they deleted this account because they were unable to verify this account with the creditor. XXXX failed to respond so I sent them new paperwork onXX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. XXXX did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( Transunion or XXXX ) were able to verify this negative item and XXXX was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to Transunion and XXXX and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries. these need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX 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: Debt collection

state and federal consumer law requires a VERIFICATION OF THE ACCOUNTING OF ANY PART OF AN ALLEGED DEBT. Verification requires a SIGNED affidavit and/or other documentation of truth for liability. I requested verification of the alleged accounting/debt and copy of contract ( s ) PROVING Midland Credit Management was participating in the investment contract/securitization process of the alleged account ending in XXXX. I never received any verification as required by law. 

As a condition for allowing Midland Credit Management to use my tradename/trademark, this request for verification was the ONLY consent given to them for the use of my property, as I notified them on XX/XX/year> with certified mail XXXX. They ignored my request and attempted to use my property for unjust gain and apparent fraudulent activity. 

I have not received form 1099C regarding any charge-off from this company, however, they fraudulently use my personal information to defame my business character. 

They owe me the sum of {$500000.00} for the unauthorized use of my property as noticed in my letter/warning to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account with XXXX XXXX/ XXXX XXXX , account number XXXX balance is {$9500.00} I'm Requesting this account to be deleted from the credit report based on the repo was not done according to California law. I already contacted a attorney and he said I have a case. so please delete this account from XXXX and transunion. XXXX  already deleted this account
Product: Debt collection

I DO NOT OWE DEPARTMENT STORES NATIONAL BANK. THEY DID NOT SERVE ME A PROPER NOTIFACTION OF A COURT ORDER. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. THIS COMPANY WAS NOT ABLE TO SHOW PROOF OF ORGINAL CONTRACT TO THE JUDGE.
Product: Credit card

Several years ago I signed up for a Care Credit card ( Synchrony Bank ). 
In XXXX of 2015 I set up a payment plan with a Synchrony representative ( from their debt collection department ), whereby an amount determined and agreed upon by me and this representative would be automatically debited from my bank account each month and would pay off the XXXX {$300.00} owed within 6 months. This amount was debited each month and I never received any information from Care Credit that there was a problem. 

In XXXX 2015 ( 6 months later ), I received a letter and statement from Care Credit showing that I now owed around {$370.00}. Completely baffled, I read over the statement and saw that they had been charging me fees of {$40.00} - {$50.00} each month without my knowledge. Since the beginning of 2015, I have been charged nearly {$400.00} in these fees ( more than my initial debt which was a XXXX time use of the card for {$300.00} at the dentist ). When I called Synchrony, they explained that the minimum amount due each month had not been met by my automated payment plan. The representative I set up this plan with NEVER told me that the amount would not cover the minimum. If he had, I would have ensured that this amount was paid each month. 

I asked that these fees be credited from my account as I believe they were intentionally charged without my knowledge, and certainly without informing me at the time of setting up the plan. To me this seems like a scam and willfully withholding crucial information in order to collect more debt. The representative refused to allow me to speak with a supervisor about this. I filed a complaint with her and was told that I would be contacted soon by a supervisor. In good faith, I paid the remaining balance on my card XXXX what it would have been without the late fees ) -- an amount around {$170.00}. I waited but never received a follow up call. 

In XXXX 2015, I received a statement saying that I still owed ~ {$370.00}, even though I had paid {$170.00} in XXXX. They were still charging me fees. I called the company again and was told that my complaint had been marked as " resolved '', even though I had never been contacted by phone, mail, or email. I proceeded to file another complaint. 
After explaining this situation to XXXX representatives, I asked to speak to a supervisor. They told me that it was unlikely I 'd be able to speak with a supervisor as he/she was " busy '', but that I could be put on hold. I waited on hold for XXXX minutes before hanging up. 

I believe the deceptive tactics used to set up my payments and continue to be used to ensure that my debt continues to accrue are reprehensible and predatory. I would like to have the full amount of the fees charged to my account in 2015 removed from my account. I am happy to pay any remaining balance I owe from the original debt, but I do not think I should have to pay these fees that were charged to me without disclosure from my conversation/payment plan set up in XXXX 2015 until the present.
Product: Debt collection

I received a letter from Capital Recovery Systems located in Michigan. They claim I owe money for judgements to a PA court from XX/XX/1998. This was something resolved with another Court. Additionally, they are claiming ridiculous amounts. 20 years ... really? 

Collection Agencies shouldn't buy ( get consign ) old debt to harass people. I am in process of buying a new home for my Mother. She had a XXXX and the XXXX system failed her ... so I am doing what I can to make her life easier and help her recover. In the midst of making progress, Evil ( Collection Agencies ) try to stop progress. 

HELP!
Product: Credit card or prepaid card

I had a prepaid card that had {$150.00} remaining on it, but it expired. When I called the company they said the balance goes away once the card reaches its expiration date. Pretty sure this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXXXXXX Balance {$600.00} XXXX XXXX XXXX XXXXXXXX Balance {$7200.00} XXXX  XXXX  XXXX  XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX XXXX Balance {$4600.00} XXXX  XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX XXXX Balance {$5700.00} XXXX XXXX XXXX XXXXXXXX Balance {$2900.00} XXXX  XXXX XXXX  XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX XXXX XXXX  XXXX Balance {$2300.00} XXXX  XXXX  XXXX  XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX XXXXXXXX Balance {$5800.00} XXXX  XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Balance {$4100.00} XXXX XXXX XXXX  XXXX XXXX Balance {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$7500.00} XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}, must be updated to reflect accurate information on my Credit File.
Product: Debt collection

I was contacted by a " currier '' who did not have a correct address and only verified my first name. He gave me a # and a reference # to thus company. No name given. I called. No recording disclosure or mini miranda. No company name or name of person. She only verified my first name..never once asked my last name. Had the last 4 of my SSN wrong. And when I said it was wrong continued disclosing. Stated to me I had until XXXX today to pay {$580.00} or they would charge me with intent to defraud a financial institution. And it was in my best interest to be at my residence for the currier. If not she wished me best of luck. I already have a XXXX and health issues I am out of work. This conversation was threatening to me and I do n't know where to go with this. I do owe that company they called about but I contacted them yesterday. They already sold it to United Debt Holdings ... .which is who I talked to yesterday. I have both # s and the reference #.
Product: Credit reporting

IT is something 's on my credit that is mine but it 's a lot of things that are on here that is not please help me and I do n't want this to mess up anything else on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$5000.00} ), XXXX XXXX, XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$5700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$220.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$520.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$290.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$12000.00} ), XXXX XXXX XXXX ( Date Opened XXXX. XXXX, XXXX, Balance : {$14000.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently implore you to swiftly take action to eradicate the fraudulent inquiries from my credit report. These unauthorized inquiries are causing me significant distress, as I did not give my consent for them. It is unjust for me to shoulder the responsibility for these accounts, as I neither initiated nor approved them. I urge you to promptly address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to file a dispute regarding credit reporting from Affirm. They responded the information they were reporting was correct. I contacted XXXX was advised by XXXX that Affirm was supposed to give them the current account information on file the day they received the dispute however they did not. I also contacted Affirm and they said they did not have to update the reported information on the dispute. 

My accounts are current and 1 is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.