23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Sears representatives fraudulently processed a home improvement account in my name. My wife, XXXX XXXX, requested a Sears home improvement account and I provided my driver 's license number as a co-applicant over-the-phone. My wife could n't secure the amount of the home improvements so instead of an account in my wife 's name, it was processed in my name only. XXXX XXXX XXXX told her District Manager in XXXX, LA that my wife signed my name which if my wife did and she did n't that would still be fraud that XXXX XXXX XXXX, a Sears rep, was aware of. 

On XX/XX/2015 at my wife 's and my residence in XXXX, LA, I explained to XXXX XXXX XXXX that the home improvements are for my wife 's mom 's house and my wife only has a 20 % interest. I asked that Sears expeditiously complete the work or refund my wife 's money. I have no claim to my mother-in-law 's property and was willing to be a co-applicant if my wife qualified for an account. 

When my wife did n't qualify for the Sears home improvement account, Sears did n't ask me in advance if I would be willing to be the sole applicant which I am not willing. I believe I should have been asked before a Sears home improvement account was processed in my name and XXXX jobs were assigned against it. 

On or about XX/XX/2015, I asked XXXX at XXXX to cancel my Sears home improvement account. XXXX told me that she closed the account. She said that my wife, XXXX XXXX, should work out alternative payment plans with Sears to receive the windows and doors as well as siding. My wife decided to limit the Sears home improvement to the windows and doors and was instructed by a Sears rep to use my closed Sears home improvement account number XXXX. On XX/XX/2015, the day before the windows and doors were to be installed, the installer thought he was going to do the job on XX/XX/XXXX-XX/XX/2015 but Sears put the job on-hold later that afternoon. Sears reps wanted me to call XXXX and activate the account that I did n't request. I did n't want to activate the account or give validity to it. 

We have asked Sears/XXXX for a {$8300.00} refund in full for the windows and doors that Sears home improvement placed on-hold and we want to use an alternate source because of how Sears reps have treated us. 

I have asked XXXX at XXXX to receive a copy of the Sears home improvement application that initiated my XXXX account and told her that a Sears rep mistakenly instructed my wife to use this account when making alternate payment plans. We are stuck in a situation where XXXX does n't want to release my wife 's {$8300.00} and Sears does n't want to perform the work all based on a fraudulent Sears home improvement account in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account for XXXX XXXX listed on my Trans Union and XXXX credit report! They are reporting that I owe a balance of {$3600.00} when I have provided documents from the original creditor XXXX XXXX showing that the account was paid in full. I paid {$1900.00} as requested and XXXX XXXX assured in writing that the account would be paid in full and closed no further collection activity however ; trans union keeps reporting a balance owing of {$3600.00}. I have provided the settlement letter and yet these XXXX creditors still have no updated my account.
Product: Vehicle loan or lease

Paid extra and it did not affect on payment statement and the balance was not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching all letters sent to XXXX XXXX XXXX XXXX ( XXXX ) along with proof of delivery and copies of certified mail documents. 

On XX/XX/XXXX I mailed out TWO ( 2 ) extensive letters to XXXX regarding DISPUTED and ALLEGED DEBT on two accounts that they claim I allegedly owe them money on. XXXX did receive these letters since both collection accounts were marked as disputed on my credit reports shortly thereafter. 

I NEVER RECEIVED A RESPONSE. 

On XX/XX/XXXX I resent both letters via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX in an envelope packet that was received at XXXX XXXX  on XX/XX/XXXX at their XXXX, VA address. 

Again, NO RESPONSE. 

XXXX was provided with my current address ; a copy of my utility bill verifying my current address ; a copy of my Social Security Card ; and, a copy of my drivers license ( which shows an older address not used since moving to my current address on XXXX XXXX in XXXX ). 

Since XXXX has ignored my numerous attempts to contact them, I am demanding they DELETE and REMOVE all reporting to ALL CREDIT REPORTING AGENCIES. Furthermore, I demand that they extinguish their claim to the alleged debts they claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorization for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever aconsumer reporting agencyprepares a consumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for a re-investigation of the following personal information, unauthorized inquiries, and inaccurate accounts : The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect XXXX  : XXXX XXXX  XXXX. The following personal information is incorrect Employers : XXXX XXXX  PLEASE DELETE THE INACCURATE PERSONAL INFORMATION ABOVE FROM MY CREDIT REPORT. I only give permissible purpose for the following accurate and correct personal information to be furnished : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date Of Birth : XX/XX/XXXX Social Security Number : XXXX Employment : I do not wish to have this reported. N/A Please delete any other personal identifiers as they are inaccurate. The Fair Credit Reporting Act states my credit report must be 100 % accurate when furnished. I have included documents that verify my identity with this letter. 

Thank you for your due-diligence in having this corrected as soon as possible. 

With Kind Regard, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account name XXXX XXXX that I never opened, i have already mailed in the police report and have not heard anything back its been over XXXX  days. Experian is also reporting a account name XXXXl XXXX with a balance of {$460.00} that was not authorized by me and I have also mailed the police report in to them XXXX  days ago.
Product: Debt collection

A date this mail was sent : XX/XX/22 Amount the Credit Collection Services claims to collect : {$2300.00} This collection company is trying to collect the debt from me for the compnay XXXX XXXX XXXX XXXX which I've never heard of in my life.
Product: Debt collection

This company has posted a collection account to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.
Product: Credit reporting or other personal consumer reports

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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. 

XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I disagree with account listed in attachment There are alot of inaccuracies thats are appearing on my consumer report affecting my ability to and i would like this immediately re-investigated the inaccuracy are highly injurious to my XXXX XXXX XXXX XXXX in accordance with the fair credit reporting act public law 91-506 title VI section 611 Subsection A-D please provide the names addresses of each individual with who verified above including dates payment history and balance accuracy please send me a copy of my updated credit report after you're reinvestigation
Product: Checking or savings account

I reached out to Keybank around XX/XX/2022 about my card being lost/stolen. I went inside the branch explained to a customer service rep the situation. She basically said she couldnt help me and basically judge the situation said I needed to file a police report if I needed her help. Then printed me out an paper and said call the fraud line. I called spoke with them about money being stolen off my card. I explained to them XXXX XXXX XXXX was my last authorized transaction and Im missing {$4300.00} dollars off my card and that this is the second time this occurred. The representative told me that my money should be back in my account within the bank timeframe. Im not understanding how they dont send alerts or freeze a card up when its suspicious activity and i will be looking into a legal matter.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to submit a complaint and appeal the decision to permanently limit my PayPal account XXXX I believe that this limitation was placed on my account by mistake, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

I would like to emphasize that I have not violated any PayPal policy or engaged in any fraudulent or illegal activity. I have always used my PayPal account in good faith and in compliance with all applicable laws and regulations. Therefore, I strongly believe that the permanent limitation of my account is unjustified and has caused me significant financial and personal hardship. 

I understand that PayPal has the responsibility to ensure the security and integrity of its platform, and I fully support these efforts. However, in my case, I believe that there has been a misunderstanding or error, and I respectfully request that PayPal review my account activity and reconsider its decision. 

I would appreciate it if you could provide me with any information or documentation that may have led to the decision to permanently limit my account. I would be happy to clarify any issues or answer any questions you may have. Additionally, I would be grateful if you could provide me with a timeframe for when I can expect a response to my request. 

The email address associated with my PayPal account is XXXX. I would appreciate it if you could communicate with me via this email address. 

Thank you for your attention to this matter. I hope to hear from you soon. 

Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

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

I recently review a copy of my credit report and notice i had fraudulent accounts on my reports. Please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit card

I purchased Furniture from " Raymour and Flanigan '' store. Store offered me interest free with their financial tie up with TD Bank to provide this finance. This tie up not only simple payment for the furniture purchased, but opens the credit card account. 
Furniture sales guy said initially that this can be paid of in 36 months without penalty or interest and I agreed to it. However, when i went to back after two days for final purchase they opened account with one year term interest free. Since I verbally discussed for 36 months i simply signed on the documents. It seems they changed term from 36 to 12 months which i didn't notice when i signed the document. The signed document also doesn't mention the percentage of interest, rather it states that standard APR. I had no clue what the standard APR is and no one explained to me. 

I did setup automatic payment from my bank checking account to pay this TD Bank card as soon as i received my first payment and never defaulted on this. Loan amount is XXXX XXXXXXXX XXXX, this should pay in 36 months if paid monthly XXXX XXXXXXXX XXXX. TD Bank autopayment setup gives an option as Minimum amount ( XXXX XXXX XXXX ) and i simply selected that option and their website has to dig deeper to choose any other option, found this in recent conversation with their customer rep. 

I opened account on XX/XX/XXXX. However, TD Bank charged me interest of XXXX XXXX XXXX of interest on XXXX XXXX of purchase at the end of one year. TD Bank never sent me paper notification or email about my term 12 months is approaching to pay off entire balance amount or else interest will be charged. The only email has been coming to me is that " statement is available '' without any details like fee or interest or balance. 

I logged into TD bank online account on XX/XX/XXXX only ( after initial setup in XX/XX/XXXX ) to see verify the balance on this account, then i was surprised to see these silent interest charges thousands of dollars ( from XX/XX/XXXX ) and on going monthly charges XXXX XXXX XXXX. Till now they charged XXXX XXXX  of interest on XXXX XXXX  XXXX  of furniture purchase. This is a financial fraud and charging silently on the account without sending notification ( Call or Mail ) to customers. If it is an email, email body should clearly communicate the interest charges and warning ahead at least one month ahead of interest charges those will come into effect to the account. 

This is the biggest financial fraud i have ever encountered. I am very responsible citizen with Exceptional credit score, this fraud setup between Furniture and Bank is confusing customers without clear communication on APR, Warning on interest charges and no clear communication when charged account. 

Please help me to resolve, so that i can pay principal balance and close account.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, a significant data breach occurred in which the credit reports of millions of Americans were improperly accessed and publicly released. This breach exposed highly sensitive personal and financial information, including Social Security numbers, credit scores, credit account details, and payment histories. The unauthorized disclosure has created a substantial risk of identity theft, financial fraud, and other forms of misuse. Affected individuals were not adequately notified in a timely manner, leaving them vulnerable and without sufficient guidance on how to protect their information. This breach demonstrates a severe failure to safeguard consumer data and comply with applicable privacy and security standards. Companys such as XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I have ordered checks twice from my bank Ally. Once in XX/XX/XXXX, and once recently in XXXX of XXXX. Both times the checks were sent to a former address, XXXX houses ago. After the first time I raised lots of alarms furious with my financial institution for sending literally blank checked with my routing and account number to a house in which I no longer live. I got " We're sorry, it won't happen again. '' Fast forward 7 months and sure enough it happens again. How can I trust a financial institution with tens of thousands for my money when you can't even send financial paperwork to the correct address? 

I have given this company a second chance and they have failed me. It's time someone with regulatory authority investigate Ally for this flippant disregard for customers ' financial information.
Product: Checking or savings account

I learned in XX/XX/year> that the address on my late brother 's estate account, to which I am the legal court appointed representative was fraudulently changed from the original permanent address in Georgia and another address in Florida. This was done without my permission and was not done by me. 

The account was opened at BofA with a XXXX XXXX on XX/XX/year> at the XXXX XXXX branch in XXXX GA. I have attempted multiple times to call/leave a message, and email XXXX and he has been unresponsive. 

Bank of America has been uncooperative, XXXX XXXX has been non-responsive, and now a XXXX and XXXX at the XXXX XXXX XXXX in XXXX GA, both of whom acknowledged the change but have been unable to tell me who/how this address was changed without my permission. In attempting to contact the XXXX # they too have been unwilling and non-responsive. 

This change was FRAUD. And BofA has been horrible. 

Please tell me who authorized this change without my permission? BofA has been unable, unwilling, and non-responsive.
Product: Mortgage

In XXXX of 2016 I started a XXXX loan modification process with Nationstar Mortgage. When the final papers were drawn up they were inaccurate. They stated I was involved in active bankruptcy proceedings, which I am not, and that the beginning balance of my loan was XXXX, which it was n't. When XXXX XXXX transferred my loan to Nationstar my balance was XXXX with XXXX in escrow for taxes and insurance. I highlighted and corrected the errors and faxed the documents to Nationstar on XXXX XXXX, 2016 and they said they would look into it. Since that time I received a letter stating that my beginning balance was actually XXXX and was sent " amended '' paperwork to sign to finalize my modification and they were the same, and had not been corrected. I called and was reassured they would take care of it, which they have not done and they continue to robocall me morning and night and when I talk to the representative they are not aware that I am the XXXX waiting for them to correct their mistake. In the meantime I have made all my trial and modified mortgage payments on time. My XXXX counselor suggested I file this complaint.
Product: Debt collection

I signed up for classes at XXXX Connecticut XXXX university XXXX XXXX XXXX in XXXX, but couldnt secure loans so I called to cancel my classes I had signed up for. I had spoken to a student worker who said I was all set and back then I didnt know I had to formally withdraw so I ended up being charged for the classes. 
By XXXX I had eventually disputed the debt and had it removed from my credit report and it was cleared up. 
Supposedly in XXXX XXXX reissued another debt for a slightly different amount than the XXXX debt had been, and to the collection agencies its a debt as of XXXX. 
In XXXX of XXXX it was submitted to collections as a debt accrued on XXXX. 
I believe it was reissued to be within the statute of limitations so I could be continually pursued ALSO after it had been disputed, settled, and closed out in XXXX
Product: Credit card or prepaid card

Recently, my credit card company, Aspire, reached out to inform me about a new monthly fee that was to be added to my account. In order to make an educated, responsible decision regarding whether or not it made sense to keep my account open in light of the new fees, I requested a copy of my current cardholder agreement to compare to the new agreement that was proposed. 

When I requested a copy of the current agreement on XXXX, I was told the following by Aspire on XXXX : " Our records indicate that your account maintenance fee was recently updated and as per the new credit card terms and conditions and your monthly maintenance fee will be increased from {$0.00} to {$5.00} effective from XX/XX/2023. Hence, we are unable to provide your previous card holder agreement. '' I asked the following on XXXX : " Why am I unable to receive documentation regarding my original card agreement, especially considering that the change in maintenance fee is not yet effective? '' To which Aspire simply said ( XXXX ) : " Unfortunately, we are unable to send your Cardholder Agreement. You can find the information on Generic Cardholder Agreement. Please be advised that, Generic Cardholder agreement will be available by clicking on the support tab from Aspire Account Center. '' I then sent the following to Aspire on XXXX : " Can you please explain to me why you can't send me a copy of my current, active cardholder agreement? From ConsumerFinance.gov : 'Under federal law, your credit card issuer is required to provide a copy of your agreement upon request. ' It succinctly states that the requirement is that a copy of my cardholder agreement is to be provided, not a generic overview. '' After I sent this response, Aspire, despite previously replying in 1-2 business days throughout our earlier correspondence, ceased all communications. I believe that they are purposefully ignoring my updated request in order to stall out until the new cardholder agreement takes effect. I believe they are doing this as to skate around fulfilling their requirements as described by federal law. 

Through these actions, Aspire has shown a lack of willingness to provide consumers with the information needed to make responsible financial decisions regarding the use of the credit options offered by this company.
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to the following accounts. 

The statue allows for multiple reinvestigation. 

Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXXXXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name PA XXXX XXXX XXXX XXXX Account number Last XXXX XXXX Account name PA XXXX XXXX XXXX XXXX Account number Last XXXX  XXXX Account name XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I'm going back on my credit report I noticed usual use of my credit report. Someone has used my credit for information that does not tan towards me. Some of the information with accounts reporting on my has be used that was not authorized by me. 


These accounts have been included on my FTC Fraud Affidavit XXXXXXXX XXXX  XXXX presented by my local police department 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

Over the last two to four weeks, every mailed out credit card application responded to me with false or fraudulent credit score information. For example, a few stated that the information was unverified, another stated too much inquiries, another an entirely different reporting index, another a manually enttered score. My credit score across the board was XXXX at XXXX  XXXX XXXX at XXXX, XXXX XXXX at XXXX. I received a bunch of denial letters stating my " card acquisition risk score '' was XXXX or XXXX. I am being discriminated against and a large fraction of bankers are being investigated as to their role XXXX s ) in a large ponzii schematic.