23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a care credit card about a year ago for a XXXX. The agreement was 15 % interest however they are charging way over the interest amount, even though its not stated in the statement, the balance keeps jumping up. For instance, last month the balance was {$4100.00} the minimum was around {$180.00}, I paid {$220.00}. The account states I was charged {$63.00} in interest. A few days ago the account said the balance was {$4000.00} and some change. I looked on the account today and the balance is {$4100.00}. I called and the guy tried to tell me the previous balance was {$4500.00} from the statement previously, it was tampered with because it does indeed say that. But please tell me. Does $ XXXX $ XXXX {$4100.00}? No, no it does not! This is complete fraud and I need help! Attaching the original agreement and payments made.. as you can see, they have me marked as owing around {$1000.00} more than what adds up
Product: Credit card or prepaid card

CitiBank. I have tried to settle an old debt. They indicated that the account was to old, that it had passed the statue of limitations. I sent in multiple payments trying to open the account back up as indicated. They never opened the account back up so I could negotiate a settlement. They then sent a letter indicating that they charged off the account. They continue to report this to the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX. 
POSSIBLE FINANCIAL INC XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$140.00} Balance updated XX/XX/XXXX Original balance {$120.00} XXXX. 
POSSIBLE FINANCIAL INC XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance - Balance updated - Original balance {$220.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX. 
POSSIBLE FINANCIAL INC XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX. 
POSSIBLE FINANCIAL INC XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$130.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to update address and check to see if credit freeze is still on. Equifax will not let me log in and when I call the number they tell me to I still cant update without going through a process which I cant trust. After giving them all the info they request, they then tell me I have to send a copy of my drivers license and social security card through the mail to them. I did not have one single problem with XXXX and XXXX. I feel like this is too invasive and possibly a scam. I understand the need for security measures, but this js dangerously excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed identity theft with all three bureaus, and Equifax is the only one that refuses to remove 2 identical inquiries done on the same day from XXXX XXXX XXXX XXXX, and two from XXXX XXXX XXXX, after I have submitted disputes 16 times and called 5 times asking them why they are not helping me. I was treated rudely by their staff and given the runaround. I have disputed the inquiries with the businesses and was assured in writing that they contacted all three bureaus. I saw that XXXX XXXX and XXXX   have removed the fraud inquiries, and the two cards that were fraud when my identity was stolen. As far as Equifax, I last emailed them advising I would sue and again provided the police report number and an email from XXXX XXXX XXXX XXXX   stating they contacted Equifax. Still after three months Equifax still refuses to assist me. Ever since their data breach, the fraud activity started with me and ruined my credit score. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in possession of the documents submitted by Macys as proof that I obtained credit from them. They did not provide anything with my signature and nothing showing they verified my identity. They did not provide any proof that I consented to their company sharing my private and personal information with a third party, including credit reporting agencies. Please provide SIGNED DOCUMENTATION of this consent to share private information with third parties or assume you do not have any. The consent must be signed separately from the lease per federal law. At this point I have made multiple attempts for this company to cease sharing all personal and private information with ANY AND ALL THIRD PARTIES, INCLUDING CREDIT REPORTING AGENCIES AND THEY HAVE NOT COMPLIED TO FEDERAL LAW. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. So far none of this has been provided. It is my right as a consumer and they are refusing to cooperate in good faith. None of which has been provided.
Product: Money transfer, virtual currency, or money service

Saturday, XX/XX/XXXX purchased {$4000.00} of bitcoin through Coinbase with an affiliate link that was supposed to give me a {$10.00} credit as well. Today, XX/XX/XXXX we see market value plummeting given their unfair announcements devaluing my purchase. Get canned responses trying to cancel the still pending transaction that was withdrawn from my bank immediately. However, still can not access or trade my Bitcoin wallet to move my funds to a more secure store or market.

As it is right now Ive lost a 1/4 of my investment without the ability to move/shelter or withdrawal it.
Product: Mortgage

Hello During Covid 19 i fell through some hardship with work and hours and also had some health concerns that made me fall behind on my mortgage and once getting back on my feet I tried to reach out to my mortgage company to see if there was any assistance or try to modify my loan and I kept being denied. They would not accept any pay rate updates that i continue to provide them they just kept declining it and now i am in desire need of some assistance to keep my home. I have had this home for XXXX years and I have raised my kids and i would love to do what it takes to keep my home so i can also have a place where my grandkids can come and and we continue to be a family i really need and want to stay in my home and as i had no desire to sell this home as i have had for XXXX years and making memories with my kids, Rushmore loan company is not willing to work with me on this matter as i still have a sell date of XXXX 6,2022 I have reached out to loan company and i have reached out to NACA and they have been working as well to try and help me save my home as well as NC HOMEOWNER ASSISTNCE. I explained to RUSHMORE I just need a little more time to make this right and save my home. Please help me and my family. Covid has hit us all hard..
Product: Credit reporting or other personal consumer reports

I have identified incorrect information on my credit report, as outlined in 15 USC 16c-2. This inaccurate information is negatively affecting my creditworthiness.
Product: Checking or savings account

I deposited a check into my checking account back in XXXX of 2023. I made a few withdrawals because I was purchasing a car. I woke up one morning my account was locked. I called customer service they stated that my account was flagged for fraud. I asked them to explain how they stated that the check was flagged for fraud. I called and spoke with the parties involved they assured me that their bank never issued any fraud alerts and it was coming from my bank. I then called back the bank and they gave me the run-around they said it was under investigation and they have no updates. I have called a spoken with several representatives and I have been transferred to the fraud department several times. I was told the process can take up to 90 days and I waited patiently. I have made several attempts to call and was told they can hold the funds as long as they like. I just need help, please.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX 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 written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 then records of convictions of crimes which antedates the report by more then 7 years. 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. These are Fraudulent accounts and need to be removed from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letter since XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I have not gotten a written statement on how it was verified/validated the Bankruptcy and all they say it was verified through XXXX. 
I believe I have given ample time to verify this information.
Product: Credit reporting or other personal consumer reports

The inquiries are fraudulent inquiries on the report must be removed. I have supplied the FTC report.
Product: Credit reporting or other personal consumer reports

I RECEIVED A DATA BREECH LETTER IN THE MAIL THAT MY CREDIT REPORT HAD BEEN AFFECTED BY A DATA BREECH ON CHECKING MY CREDIT REPORT I NOTICED SOME INQURIES THAT I DID NOT PUT ON MY REPORT. THEREFORE THEY NEED TO BE REMOVED IMMEDIATELY OFF MY CREDIT REPORT. THANK YOU, XXXX XXXX
Product: Mortgage

I never received Proof of modification denial. Modification was approved several times over a 2 year period, again and again and again.
Product: Mortgage

in XXXX, I received a letter dated XX/XX/XXXX, which stated that Nation Star DBA Mr.Cooper entered into class action settlement agreement with the Consumer Financial Protection Bureau. In XXXX of XXXX i informed them that i didn't receive the redress check promised in the letter. I was informed that the redress check in the amount {$3200.00} dated XX/XX/XXXX was issued to me and if i didn't receive it I had to wait 180 days from the issue date to receive a replacement. at the end of the 6 months i contacted them Nation Star who then informed me that i will have to wait another 60 days. At the end of the sixty days which was XX/XX/XXXX i contacted them again only to be informed by a phone rep that there is no record yet of a check being issued to me and he will send a request to acceleration. I again contacted them today XX/XX/XXXX and was told by representative, XXXX that they are still awaiting an answer from acceleration.
Product: Money transfer, virtual currency, or money service

I transferred XXXX on the XXXX XXXX 2017 to coinbase and the money is still not showing in their account. 
I made a SEPA international bank transfer, I 've spoke to my bank XXXX XXXX and they confirmed my payment reached their account.
Product: Credit card or prepaid card

I was approved for Capitol One card, but the approval process requires a nyc Drivers license. I have offered them amedicadcard. Which they. Would not accept. How ever I had a card from when I ivedd in XXXX nd can prove it
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Reporting Agencies AND XXXX XXXX have defamed my character and have infringed upon my consumer right to privacy. I have NEVER NOT ONCE given any verbal nor written consent to share my PERSONAL INFORMATION, including BANKRUPTCY to any 3rd parties. I called the bankruptcy court and they have plainly sent a letter back to me stating " They DO NOT REPORT, VERIFY, OR FURNISH INFORMATION TO CREDIT BUREAUS OR ANY PARTY. ". Now the question would be how did they get my information IF I didn't give them written consent AND the bankruptcy court do not report, verify or furnish information to any party. This have caused stress and harm to my name and have cause many denials in trying to support myself and my family. According to law this is illegal. They are going out fishing for consumers PRIVATE information and hardship, then selling it to make a profit to anyone they chose. I have sent in letters and have called them and it is still not removed. 

I sent letters certified to XXXX, Transunion and XXXX XX/XX/2022 asking them to delete this and show me proof that they have the permission to furnish this information. They replied back to me and sent me reports that said VERIFIED AS ACCURATE. NO PROOF was sent to me. I resent a Certified letter XX/XX/2022 XXXX XXXX, Transunion and XXXX. I called XXXX XXXX XX/XX/2022 and spoke with XXXX and XXXX. I asked who gave them permission to share my information? They couldn't answer. I kept asking and the she said they don't need permission to share my information to 3rd party people. She said if someone ask then they can give out my information. I have proof stating this information. 


XXXX, Transunion, and XXXX have been reporting inaccurate information. I have went through all three reports and sent in certified letters challenging it and they came back as verified accurate but that's not possible and they have different information on each report so its all a lie. I NEED THEM TO DELETE IMMEDIATELY.
Product: Debt collection

Correct these violations now. Investigate and remove the inaccurate information from the mentioned accounts immediately. This is your final notice before legal action ; comply promptly with the Fair Credit Reporting Act.
Product: Debt collection

I was XXXX with XXXX XXXX XXXX a few years ago. During that time I was away seeking treatment. After months of being away I come to find someone that had rented from me had taken my account numbers and information. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved.
Product: Credit card or prepaid card

On XX/XX/XXXX, I had applied for an XXXX XXXX XXXX credit card. I was denied my own credit based on my credit portfolio. I was relying on this credit card for emergency purposes while we are going through a pandemic when my kids and myself are getting sent home from work and me having to leave work to get my XXXX  kids from school/daycare to continue to shelter and feed my kids and myself. This is a violation of 15 u.s code 1681M.
Product: Checking or savings account

From XX/XX/XXXX to XX/XX/XXXX {$9100.00} dollars was stolen out of my account via fraudulently written checks. This plus a {$35.00} insufficient charge totals to {$9200.00}. XXXX XXXX was helping my mom ( the primary account holder ) with somethings around her house because she was dealing with medical problems. At one point she was even hospitalized. As soon as I became aware of the fraud, I immediately called the bank who opened a case and told me the money would be put back within 10 business days. Well after a month of back and forth, hearing a different picture from the myriad of customer support professional I spoke with, I finally learned that the claim was denied because the fraud started in XXXX and that was outside of the 30-day period in which fraud was required to be reported. I was beside myself. The signature on all of these checks did not match that of mine or my mothers and it was so clearly fraud. Does the bank not have any internal protocols to match a signature when cashing checks? We've reported this individual to the police and he is in custody, but we are still out of almost {$10000.00} and my mom was sick. The money stolen between XXXX and XXXX was {$1200.00} and from XXXX to the beginning of XXXX when I made the report he stole {$7900.00}. Going back to XXXX would have been 60 days, but the bank refused, saying that because it started in XXXX - none of the money would be put back. 

This is incredibly egregious from a company that made $ XXXX dollars in XXXX. 

Case # XXXX Claim # XXXX
Product: Debt collection

To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Account : XXXX IDENTITY THEFT REPORT POR FOLIO XXXX XXXX XXXX : XXXX DATE : XX/XX/year> THIS IS NOT MINE
Product: Debt collection

I am writing to file a formal complaint against L J Ross Associates Inc. for reporting a debt on my XXXX, XXXX, and XXXX credit report that was previously removed due to identity theft. This debt was originally removed in XX/XX/XXXX following a successful dispute that confirmed the debt was a result of identity theft. Despite the debt 's removal, it has reappeared on my XXXX, XXXX, and XXXX credit report, causing significant distress and potential harm to my creditworthiness. This re-reporting violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). **Violation of FCRA : ** 1. **Re-Insertion of Previously Deleted Information : ** Under the FCRA , specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if information that has been deleted from a credit report is reinserted, the consumer reporting agency must notify the consumer of the reinsertion in writing within five business days. I did not receive any such notification from XXXX regarding the reinsertion of this debt. 2. **Accuracy of Information : ** Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The reappearance of this debt, which was confirmed to be a result of identity theft, violates this requirement. **Violation of FDCPA : ** 1. **Failure to Provide Validation of Debt : ** Under 15 U.S.C. 1692g ( b ), if a consumer disputes the validity of a debt, the debt collector must cease collection of the debt until it obtains verification of the debt. XXXX XXXX XXXX XXXX. has failed to provide any such validation despite my previous dispute and the confirmed removal of this debt. 2. **Unfair Practices : ** According to 15 U.S.C. 1692e, a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Reporting a debt that was previously identified and removed as a result of identity theft is both deceptive and misleading. **Supporting Legal Cases : ** 1. **XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : ** This case supports the need for credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of an item on their credit report. XXXX. *XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : ** This case emphasizes the requirement for debt collectors to provide verification of the debt upon a consumer 's request, halting all collection activities until such verification is provided.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that is not mine nor did I authorize anyone to report it to my credit report. It is the XXXX XXXX credit card account. According to the FCRA 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 also states a consumer reporting agency can not furnish an account without my written instructions. I want the XXXX XXXX account removed from my credit report immediately.
Product: Debt collection

Ability Recovery Services is negatively reporting on my credit profile. This account was included in a bankruptcy ( with the original creditor ). This account was illegally placed in collection AFTER everything was paid in full ( XX/XX/XXXX2016 ). This reporting tactic is demonstrating financial harm and presents legal grounds for suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX,2017 numerous disputes were sent out to the 3 credit bureau about unauthorized inquiries on credit report. i also sent out certified mail 's to creditors no response. XXXX inquires on XXXX. XXXX inquires on XXXX credit report. XXXX inquires on Equifax.
Product: Credit card or prepaid card

I accidentally missed a payment on my Torrid store credit card. I received a call from someone collecting for Commenity/Bread Financial XXXX The caller 's behavior was unprofessional and more importantly violated FDCPA. 

FDCPA violation details : The caller did not identify himself by name or that he was collecting a debt. Did not tell me he was calling on a recorded line. Did not verify any personal information other than saying my first name and waiting for me to respond to it. He then stated the balance due and my checking account information without any verification. His lack of professionalism made me uncomfortable and I declined to make a payment with him and instead scheduled a payment on the website. 

Follow up attempt with the company details : I called the company directly to address the issue. First person I spoke with pressured me to divulge details of the payments I scheduled on the website ( 1 for the same day to bring the account current and 1 for the due date for the regular monthly payment ). He stated he couldn't see the payments scheduled. I explained they were scheduled and I was calling to get information about the call I had received and that is what I wanted to discuss at this time. Rep transferred me to a supervisor who was very nice and knowledgable but explained she needed to get me to a higher level escalation team because FDCPA violations are out of her purview. There was no one available, so we left it at she'll have someone call me back.