23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Recurring charges on my American Express credit Card. Called A.E. my cards was being charged by XXXX for computer security that I never had knowledge of. I requested to cancel my card. A.E associate asked me not to cancel but he would report it stolen. He assured me this would never happen again if I received another card with a different card account number. Well, a few months later another charge form XXXX ( Computer Security ) I never had no knowledge of on my account. When I called A.E. again they told me they do it as a courtesy! Come to find out this has been the third year for this charge. I have never purchased XXXX or XXXX in my life. Pay all my purchases except the XXXX Charge and closed my Account! They got me for over {$400.00}. I told them NO more after the first call!! And they did it AGAIN after I said NO!!!! American Express reported me to the Credit Bureau. I had an American Express XXXX Card close to 40 years.
Product: Credit card or prepaid card

The entity, Comenity Bank, is the servicing custodian for in this case, the XXXX XXXX issued under the XXXX XXXX marketing banner. I made a wire transfer to them which as their paperless statement indicated was processed on XX/XX/XXXX, well within the timeframe set forth for the due date. However, after perusal of my XX/XX/2023 closing date statement, I see where the computer has accepted my payment, charged a late, returned check, AND a REFUND check charge. Also, my grand total of fees charged for the year is not {$90.00}, but rather 30 dollars. Even after intervening on my behalf, their reticence to hear my interrogatory led me to seek a more studied advocate.
Product: Credit card

I did a 0 % balance transfer and am being charged interest on the " balance transfer fee '' that I was assessed. No other bank that I have done the same with has ever charged interest on the balance transfer fee, because, as I have been told by other banks, it is a fee and not subject to interest, but this bank considers it a " purchase '' which is subject to interest. 
I believe this is not the case as it is a " fee '' and not a purchase.
Product: Credit card

Received credit card from Truist Bank XXXXCredit limit of {$20000.00}. Called to cancel on XX/XX/year> and let them know my information was stolen and that I did not request this card and I had never even heard of Truist Bank. On that day they didn't tell me that there was a checking and savings account also opened in my name. I received letters dated XX/XX/year> informing me that the checking and savings accounts were blocked by them. Truist did not close the credit account and now the credit card has been used and maxed out. On XX/XX/year> I reluctantly sent information that Truist requested from me through email. I sent a picture of my state driver 's license, my police report, a picture of a bill confirming my address, and I filled out a uniform affidavit for identity theft from Truist. On XX/XX/year> I received an email from Truist 's id theft group support that states my documentation was received and she will provide a resolution letter when the case is completed. I am currently working with XXXX XXXX from XXXX, a part of XXXX. I am waiting for a response from Truist.
Product: Debt collection

The debt was reported to all 3 bureaus during the months of XX/XX/2023. I reached out to the creditor immediately and requested proof of my ownership of this debt and the original contract. I never received a response! I have had XXXX XXXX XXXX  services for over a decade and have no knowledge of ever getting any XXXX products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with Citi Bank stating that the information on my credit report is fraudulent and nothing was done. Someone opened a card under my name and stole my information to open up an account. Its effecting my credit and Im in the process of filing a police report. I never authorized an account and want it closed immediately.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I've discovered a couple of discrepancies in billing that need urgent attention. These inconsistencies highlight a significant failure in the creditor 's management of my account, for the accounts listed above. It's my right as a consumer to receive a credit report that is always 100 accurate. I respectfully request that the mentioned accounts cease to negatively impact on my credit report or be promptly removed. Additionally, any remaining information lacking proper evidence or precise details should be promptly eliminated. Your prompt assistance and consideration in resolving this matter are sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a official complaint against Sterling ( A company that conducts background checks ). 
In regards to my background check that was conducted by their organisation. I wrote a letter along with my official dispute / complaint case number. I provided evidence along with my request ; that the alerts found on my record stating the offense description of ( XXXX XXXX XXXX ). Be removed from my background check conducted by Sterling. The prosecutor in my case declined to prosecute me ; because there was no credible evidence against me and the judge ruled in my favor. Rendering a judgement of XXXX XXXX. 
I took the initiative to pay for myself, and obtain from my local police department of XXXX, Georgia on XX/XX/2020. The evidence that clearly shows that I have a clean criminal record with no charges ever brought up against me. 
The issue that was disturbing to me about this company and their employees ; and made me compelled to take this complaint to another level is ... the way they handled my dispute. Every representative of this company that I spoke with clearly did not want to listen to me or take my complaint seriously. 
They all told me that it was pointless for me to file a complaint without proof of a expungement from my local courthouse of XXXX County Georgia. Without even giving me the opportunity to present my evidence they had already made up in their mind that they were not going to grant me ; any type of service or removal off of my record. Without even seeing my evidence. Which was very unprofessional to me. The laws that are governed by this country of the United States ; everybody is due their day in court or the opportunity to present their case. 
I was contacted by a representative of their company on XX/XX/2020. I can tell by her demeanor that she really just called me just ... to say she followed up and did her job and tell me the company was not going to listen to my side of the story and be fair about the situation. The only reason she gave me two or three minutes to plead my case is to say that she was courteous. I explained to her that I had evidence to submit in my case and I will be faxing that evidence over to her the same day that she called. 
She again disregarded everything that I told her and stated she will send me an email, with her contact information. I could forward my expungement paperwork from the XXXX County courthouse. When ever they decide that it is safe for them to open back up. We all know this world and country are in a pandemic and there is no guarantee of an exact date of the government courthouses opening up. 
She stated herself to me on that phone call ... that she called and saw for herself that the courthouse was closed until father notice.
Product: Debt collection

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX  and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I saw an ad on TV that Experian is doing free scan amid hacking of the XXXX. So I went on to www.experian.com/scan. It asks you to enter your email address then click on " Scan '' then it supposed to scan your credit (? ) or if you have been affected by the hacking of XXXX data. It says the website has sent me an email but never received anything. Is this to get my info or looks like a scam by Experian to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING TO GET THIS ACCOUNT RESOLVED SINCE XX/XX/2019. I HAVE INCLUDED A COUPLE OF THE LETTERS HERE TO SHOW YOU JUST HOW HARD I HAVE TIRED TO GET THIS ACCOUNT CORRECTED. THIS COMPANY EVEN THREATENED ME I HAVE INCLUDED THE LETTER HEAD HERE. THEY DID NOT ONCE COMPLETE VALIDATION FOR ME IF THEY WOULD HAVE PREFORMED A PROPER INVESTIGATION THIS ACCOUNT WOULD NOT STILL BE REPORTING AS OPENED. THIS COMPANY WAS ALSO HOLDING THE MONEY ORDERS THAT I WAS PLACING IN THE DROPBOX AND NOT PUTTING THEM TOWRDS MY PAYMENT SO THAT THEY COULD REPO MY TRUCK. THEY ALSO DAMAGED MY VEHICLE. PLEASE REVIEW ALL DOCUMENTATION AND LETTERS WELL. I WILL ALSO BE FORWARDING THIS INFORMATION TO A LAWYER AS BAYSHORE FINANCE AND XXXX  HAVE BEEN CAUSING ME AGUISH FOR THE LAST 2 YEARS. THEY HAVE CAUSED ME TO GET DENIED FOR THINGS THAT I WOULD HAVE GOT APPROVED FOR IF THIS ACCOUNT WAS NOT REPORTING INCORRECTLY. VERY UNOPROFESSIONAL I DID A BAD REVIEW FOR THIS COMPANY AND THEY ACTUALLY TIRED TO EMBRASS ME PUBLICLY ON XXXX TELLING PEOPLE I AM ALWAYS TRYING TO GET MY CREDIT FIXED. 

THIS COMPANY CLAIMED THEY SENT ME 3 RESPONSES AND I DID NOT RECEIVE THEM I ONLY RECEIVED THE ONE I HAVE. DO THEY HAVE PROOF THAT THEY ANSWERED MY REQUEST. I HAVE MY CERTIFIED MAIL SLIPS THAT SHOWS WHEN I CONTACTED AS WELL AS MY LETTERS. THIS UNPROFESSIONAL COMPANY SHOULD BE MADE TO FOLLOW THE LAW AND REMOVE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, 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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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 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 than records of convictions of crimes which antedates the report by more than seven 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.
Product: Payday loan, title loan, personal loan, or advance loan

I attended an online event hosted by the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, during which I was urged to sign up for their career transition program from XXXX to industry. The representatives stressed urgency by stating there were only three spots left and gave me approximately 10 minutes to decide. I was led to believe that this program would efficiently secure me a XXXX XXXX XXXX  within three months, and based on that promise, I agreed to enroll. 

Upon entering the program, XXXX directed me to secure a loan of {$4900.00} through their partner, Affirm. Due to my strong credit history, my loan was approved on XX/XX/XXXX. I initially had high expectations, believing I would receive comprehensive, personalized support, including tailored career coaching, a dedicated account manager or mentor, and ongoing guidance tracking my progress. These assurances were central to my decision, particularly given the substantial fee I paid for membership. 

Contrary to XXXX  representations, I did not receive the personalized mentoring or resources they promised. Their commitment to providing an effective pathway to an industry role proved inaccurate, ultimately misrepresenting the programs true efficacy. This has had significant financial consequences : despite my substantial investment, I remain unable to secure a salaried industry position after two years, with no meaningful assistance or results from XXXX 

I reached out repeatedly to both XXXX support team and its founder to either facilitate my transition into the industry or refund my payment, yet neither request was fulfilled. In XX/XX/XXXX, I submitted a complaint to Affirm regarding my experience with XXXX but my case was not resolved favorably, leaving me without recourse despite presenting documented evidence of the programs shortcomings.
Product: Debt collection

On XX/XX/2021 I decided to make the switch from XXXX to XXXX as they seem to have the better cell service. The deal was to get two new lines including phones which was supposed to be as follows : XXXX XXXX XXXX : Cost : {$490.00} via {$16.00} monthly payments over 30 months Promotion : monthly bill credit of {$16.00} over 30 months making this device free XXXX XXXX XXXX : Cost : {$740.00} via {$24.00} monthly payments over 30 months Promotion : monthly bill credit of {$19.00} over 30 months which would have cost me {$5.00} per month for a total of {$150.00} XXXX ended up somehow processing the order incorrectly and did not add the XXXX XXXX monthly payment for the XXXX XXXX to my monthly bill. This is turn made it look like I was intentionally not making my device payments. I was unaware of this, and XXXX decided to charge me the full amount of the phone ( {$740.00} ) because I was " not making monthly payments on my device '' unbeknownst to me. I attempted to resolve this with XXXX on several occasions via phone calls and they told me even though it was their mistake, I waited too long to get this resolved. I should never have had to deal with this in the first place, but to admit you made an error and still not correct it is unacceptable. I have never had any late payments or collections on my credit ( for 20 years now ) and now this has affected my credit and I overpaid ( {$650.00} instead of the {$150.00} ) as I just wanted to settle this to avoid it being on my credit report. After making my payment, XXXX reported me to the credit bureau for " paying a collection for less than the amount owed ''. This is absolutely absurd, and I am hoping this will be corrected through this complaint. I do not know what else to do. They can look at my contract and then take a look at how it was processed... incorrectly. This is an error on XXXX, not me and I should not be penalized!
Product: Debt collection

I am writing to express my deep concerns regarding a collection account that has been reported on my credit report by Midland Creditors. Despite my repeated attempts to seek assistance from the credit bureaus, I have faced challenges in resolving this issue effectively. The date that posted to my credit report was XXXX in the amount of {$610.00}. 

The collection account in question is one that I have no knowledge of, and I strongly believe that it has been inaccurately placed on my credit report. I am specifically disputing the validity of this debt and am urgently requesting for the original contract that bears my signature as proof of my association with this account. As I have no recollection or record of entering into any contractual agreement with Midland Creditors, I firmly believe that there has been a grave error in their reporting. 

Furthermore, I am aware of the legal obligations that collection agencies such as Midland Creditors must adhere to when attempting to collect a debt. I am certain that I have not received any written notification from Midland Creditors regarding this alleged debt, which further raises doubts about the legitimacy of the collection activity. 

I am writing to request your urgent assistance in investigating this matter further and providing me with the necessary support to rectify this erroneous reporting on my credit file. I trust that your expertise and experience in handling credit disputes will help to bring clarity and resolution to this pressing issue. 

I kindly urge you to prioritize this matter and expedite the process of verifying the accuracy of the collection account by Midland Creditors. Your timely intervention and support in resolving this dispute will be greatly appreciated. 

Thank you for your attention to this matter, and I look forward to a prompt and positive response from your end. 

Warm regards, [ Your Name ] [ Your XXXX XXXX ]
Product: Checking or savings account

I received a letter from Wells Fargo on XX/XX/XXXX saying that I was enrolled in the XXXX XXXX product from XX/XX/XXXX through XX/XX/XXXX. I never authorized enrolling in this product and am not sure what to do about this letter, especially since this supposedly occurred almost 14 years ago. Please help - thanks.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my 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 than records of convictions of crimes which antedates the report by more than seven 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.
Product: Credit reporting or other personal consumer reports

Company continuously reporting this account as open a collection can not be an open account this is inaccurate information
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

For the last 2 years, I am having problems with opening Paypal personal account, whenever I apply for a new account Paypal is closing it forever, I kindly ask Paypal to reconsider their decision and allow me establish an account with them, please find attached identity documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

It 's seems like someone wanted to create a chase account in my name through their online website. The reason I know of this is because it appeared on my credit report. I currently live in an awful building with very poor security and I think someone has been watching my mail box. I already notified my landlord to change the locks on my mailbox. This has happen in the past where they have broken into the mail. I 'm try to move out this building but because of this hard inquiry it brought my credit score down. I open two credit card recently but that was only with XXXX XXXX XXXX and XXXX XXXX but that was to increase my credit so I could leave this place.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a collection account as open. I requested a reinvestigation from the credit agency and was sent an email 24hrs later that my results were ready. I also requested a Debt contract and have not received it. I requested debt contract and debt validation from the collection company and they sent a refinance application that doesnt have my signature and my name is spelled incorrectly. The application states under the Military Lending Act they do not give loans to military members and I am XXXX XXXX. Experian has yet to delete hard inquiries off my credit that I did not authorize. These inquiries were all made on the same day and I didnt give permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter to Client Sevices Inc requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. This delinquent information is still reporting on my credit file and I am asking for it to be deleted from each credit bureau.
Product: Mortgage

I have never received from this lender any written notice or examples of how to possibly fix this problem. They have only continued to send bills and then turn over for collection. 
There has never been any point of contact person that I could get in touch with. Ever You call and get this dang phone tree and you go round and round and hang on the line for a long time. No person ever gets to the phone.
Product: Bank account or service

This is a follow-up to case numbers XXXX and then XXXX. Chase has been holding funds for a check for {$3500.00} in a suspense account since XX/XX/XXXX. Based on response from XXXX, in which Chase suggested that " You and the maker of the check can visit one of our branches with two forms of valid ID to verify issuance of the check '' ( which was repeated to me on the phone, and at visits to Chase branches, and seems absurd, and is the basis of case number XXXX ), I took the day off from work on XX/XX/2016 and traveled an hour and a half each way by subway and the XXXX to XXXX, NY ( copy of XXXX ticket attached, and phone conversation with Chase fraud department from XXXX branch on record ), to meet the maker of the check and we proceeded to the nearby Chase branch in XXXX. We both presented out identification to a manager, as requested, and of course signature on maker 's ID matched signature on check canceled check that maker had brought along, along with his statement from XXXX showing check had been paid to Chase back in XXXX. The manager called Chase fraud department ( Chase 's term for this department is " executive offices '' ). Nevertheless, this department refused to release the funds. 

I missed an entire day of work, on top of the countless hours spent on the phone and visiting Chase branches ( on XXXX where check was originally deposited to my account with a teller, and downtown where I work ) in the weeks and months following the initial deposit. 

Not only is Chase still holding the funds, they continue to refuse to let me know the basis of the hold.
Product: Debt collection

False debt was added to my credit report by a vindictive landlord / property management company. They claimed I damaged the rental property before a move, this is a lie. They then added bogus charges and sent to collections to collect this fake debt.