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

On XX/XX/2022 I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  to inquire about eyewear. I told the lady that I had a prescription from a previous optical place, but she suggested that I take another eye exam just in case there were changes. She also suggested that she can give me a great deal on eyewear. I mentioned that I didnt want any hard inquiries on my credit report and she insisted that it wouldnt. Weeks later my credit score dropped and I started receiving statements from Comenity bank. They also started contacting me regarding late payments. I never gave authorization for the order to be processed. I contacted both parties and they said I would receive a callback, which that never happened. Bottom line is my eye health is deteriorating. 
My credit score also dropped drastically.
Product: Mortgage

XXXX and XXXX XXXX ( SSN : XXXX and XXXX ) are disputing with Wells Fargo ( " WF '' ), XXXX ( " XXXX '' ) and XXXX ( " XXXX '' ) since Wells Fargo is listing an " uncollectable '' item number : XXXX with a balance ( see attached ) XXXX ) As per the attached settlement document, WF agreed that the XXXX loan is " uncollectable ''. 
2 ) The court case of XXXX states that showing a balance is a form of collection activity. 
3 ) We notified both XXXX and XXXX as well as WF about the balance and the court case of XXXX, but they continue to verify the balance ( reference credit report ) as accurate. 
4 ) We have included proof of letters mailed to XXXX, XXXX and Wells Fargo as well as their replies ( see attached ) XXXX ) All we are asking for is for WF account to show a XXXX balance for this joint WF account.
Product: Credit card or prepaid card

Due to covid I was unable to pay off balance before promotional period of XX/XX/2020. Balance remaining was XXXX now its back to XXXX and 28.99 percent interest rates. I would have paid off with taxes but was unable to file due to covid. I have never missed or been late on a single payment in 24 months. It would have been great if I could just gotten an extension on promotion due to covid for 90 days so that I could have paid the balance with taxes
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's website has indicated that I may be affected by the recent breach. However, there are now reports which claim that the website is not actually working as intended and say that you are affected even with nonsensical data.
A few problems with this : 1 ) Saying that you may have been affected when you did n't gives incentive to purchase unnecessary services such as a credit freeze ( {$10.00} per reporting service in my state ) or credit monitoring. I 'm currently unemployed, and really do not want to purchase something which I do n't need but at the same time do not want to risk my credit. Frankly its also ridiculous that I have to purchase a credit freeze from the same company that may have leaked information in the first place.
2 ) The one year of coverage, while mandated by law, is insufficient. Private information which could lead to identity theft may now be out in the public space -- it does n't go away after a year. This could come and haunt me far into the future, yet if I want credit monitoring I would need to purchase a service from the same company which may or may not have lost my information in the first place.
3 ) As a consumer I have no real recourse or way to avoid using Equifax. I rarely directly interact with Equifax. Instead potential lenders will check with credit reporting services before giving me a loan. While in theory I could attempt to avoid lenders which use Equifax in practice it is extremely difficult : Equifax is a major institution in the financial space and will likely continue to be so in the future.
4 ) In order to use the free credit monitoring offered by Equifax I need to sign a binding arbitration agreement with an opt out clause. This clause requires me to mail a letter to the company in order to ensure my ability to sue if there are any issues with the credit monitoring. My understanding is that this arbitration clause only applies to the credit monitoring and not the actual leak, but I do not want to have to sign away any legal rights I may have, especially as part of an agreement for a service from a company which has already lost my trust.
Personally, this breach comes at a terrible time for me. Within the next couple of months I intend to take student loans to help pay for my XXXX  school education. Thanks to the breach I am not extremely paranoid about my credit. Any fraud which could harm my credit score could lead a higher loan rate. If this occurs, my options are to either suck it up and pay thousands of dollars more in interest on my loan, or I drop out. Neither of these options are acceptable.
Thank you for reading, and I hope to reach an acceptable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian a credit reporting company is using outdated information to purposely report negative information that is over 6 years old and they never obtain real proof that investigations have been conducted they only take a companys position as if it were accurate which is not fair business practice and they do this to people of XXXX, without proper documentation u cant assume or falsely mislead a consumer when you do not have written justification.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

I am writing to formally lodge a complaint against TransUnion regarding the continued reporting of inaccurate hard inquiries on my credit report. These inquiries are a direct result of identity theft linked to the XXXX XXXXXXXX data breach and fraudulent activity that followed. Despite submitting my Federal Trade Commission ( FTC ) Identity Theft Report, TransUnion has refused to remove these inquiries, deeming them accurate, which I believe is incorrect and unlawful. 

To provide further details : XXXX Data Breach : As you are likely aware, in XXXX XXXXXXXX was responsible for a major data breach that exposed personal information of millions of individuals, including my own. This breach led to the theft of sensitive data, including my Social Security number, and the subsequent fraudulent use of my identity. 
Fraudulent Hard Inquiries : Upon reviewing my credit report, I found several hard inquiries that were made without my consent. These inquiries appear to be tied to fraudulent actions taken using my stolen personal information. 
FTC Identity Theft Report : In an effort to resolve the situation, I submitted my official FTC Identity Theft Report, which documents the unauthorized activity on my credit file. Despite providing this report, TransUnion has continued to refuse to remove these inquiries, claiming that they are accurate and valid. This is a misrepresentation, as these inquiries were not authorized by me and are the result of criminal activity. 
Violation of Consumer Protection Laws : TransUnions failure to investigate or remove these fraudulent hard inquiries is in violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies are required to remove information that is found to be inaccurate, incomplete, or fraudulent. Their refusal to correct these inaccuracies is not only incorrect but also disregards my consumer rights. 

I have attached the following supporting documentation for your review : A copy of my FTC Identity Theft Report My credit report highlighting the disputed inquiries Any relevant correspondence with TransUnion regarding this matter ( if applicable ) Thank you for your time and attention to this urgent issue. I look forward to your prompt response and the resolution of this matter. If you need any further information or documentation, please do not hesitate to contact me at XXXX. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Upon investigation of this company I found out that according to Maine law they were not allowed to charge me more than a 30 percent interest rate and a XXXX finance charge for the amount I borrowed. 
I emailed this company on XX/XX/2021 informing them of my findings and requested they return my overpayment. 
Up to that date I had paid XXXX payments of XXXX and XXXX payment of XXXX for a total of XXXX which resulted in an overpayment of XXXX after the deduction of XXXX for loan amount, XXXX in interest and XXXX finance charge. 
I received an email back indicating they had closed my account in good standing but would not return any money. 
I let them know that as far as I could see they had no license to due business in the state of Maine and regardless of their claim of tribal immunity they had to abide with state licensing laws. 
I have received no further responses from them. 
The fact that they closed my account so easily leads me to believe they are hiding something.
Product: Debt collection

XX/XX/2017, I called and cancelled account that was no longer under contract. The amount was roughly $ 200 monthly but is now {$800.00} plus which is not accurate and needs to be removed from my credit asap. 

The debt needs to be taken off since there is no contract with XXXX and I am with a new wireless company.
Product: Debt collection

On XXXX XXXX, I received notification from my employer that they received a garnishment award against me. The paperwork stated it was from the XXXX XXXX court. I briefly lived in XXXX XXXX and havent for the last XXXX months. I have never had any business dealings who was listed as the plaintiff and so I called them. They said it was from a debt in XXXX I do not recall having any business dealings with whom they say was the original creditor and told them as such. They were rude and the call was futile. I can not show up in court when I do not know I am supposed to! I explained that to him and he said it wasnt his fault I didnt update my address with the credit bureaus! Now, my wages are being garnished for a debt I do not believe I owe from XXXX and I never knew about either the debt or the case filled.
Product: Checking or savings account

My account was hacked at chase my identity was stolen and being used, someone reverse payments to every bill I had ever made using a bad check that chase did not verify, This happened on XX/XX/2023, chase did not do any verification the day of the incident, chase gave them everything, I made fraud reports, police report etcAm now in the hole and I have been paying back money that I already paid, chase didnt protect my account or money, chase closed my account and took all money including the money they gave away, and told me my account is closed and they is nothing they can do and they will not refund my money back, because they gave the credit to whoever hacked my account, I have proof of everything along with the person who hacked my account, am behind on my mortgage and bills because of being hacked and fraud, I blame chase for this and they should pay me back every single thing they gave away they failed to stop the fraud and they failed to stop to bogus check that was used to hack my account. What must I do or what can I do to get my money back from chase they are refusing to refund me and has closed my account due to me being fraud how is this even possible, I did nothing wrong.
Product: Debt collection

I was told that once I returned the equipment in the same condition as I got them since I had finished out my 2 year contract my account would be cleared and the bill will be at {$0.00}. I returned all the equipment, then my account was sent to the XXXX/XXXX  collection department for the amount of {$910.00}. I can not be billed for the time that I was not using your services. I called to dispute and I called and called and called and the number provided you will wait for a long period of time and then it would hang up. I called customer service and was given another number and you would waits hours and no one would pick up. I advised customer service and a note should have been added but no one returned my call. Instead of contacting me to resolve the discrepancy your company does not call or send me a letter to my address to discuss the issue at hand. They then sold the account/debt to a collection agencies. Who harass me from XXXX XXXX  - sometimes XXXX XXXX  even on weekends for a debt that I am not liable for. I would really hope we can resolve this matter ASAP. 
I have spoken to an attorney to help me dispute the debt on my credit report since it is affecting me. A few of my credit cards lowered my credit limit and one closed my account even though I have perfect credit history and I paid the balance off.
Product: Credit card

I issued a payment of {$5000.00} to my XXXX XXXX before securing the credit card. Due to unrelated legal issues, there was a temporary garnishment on my account, which did not involve XXXX  or XXXX. The legal matter was resolved outside of court. Subsequently, all debts were fully paid to XXXX/XXXX. Following this, I requested a full refund, either through a cashier 's check or direct deposit into my bank account. I was informed that this process would take XXXX business days, starting from XX/XX/2024. However, as of now, I have not received any update or confirmation regarding the issuance of the cashier 's check or the direct deposit into my personal account, even though XXXXXXXX  has confirmed that the account is closed.
Product: Credit card or prepaid card

On XXXX I received a letter that I didn't have to make my XXXX payment to fifth third bank, XXXX I received call from customer service that I owed {$70.00} when my minimum monthly payment due is {$35.00}. I was told I haven't made a payment since XX/XX/XXXX-which I dispute : I pay my bill monthly by money order. XXXX XXXX I've been getting harassing phone calls from customer service when I've already told them I will make payment on or before XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

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

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

The beginning loan origination date was in XX/XX/XXXXwhen I first decided, as a XXXX year old, to go to college. 
This college career, as a professional student, finally ended with my completion of a XXXX in XXXX in XX/XX/XXXX. Yes it took me 20 years. 

In addition, prior to that I was 3 credit hours away from completing a XXXX XXXX at the University at XXXX in XX/XX/XXXX. I was in a messy divorce and having medical issues and I did not complete the program. Four years later, I went back to get back into class, and XXXX stated that the program I was in XXXX, no longer existed. Essentially I was swept under the carpet and told that it might be better for me to check with other schools for a new program. They reassured me that my XXXX grad credit hours would certainly transfer over into another XXXX   degree. Thats how I ended up with the XXXX XXXX XXXX in XX/XX/XXXX from XXXX College in XXXX NY. XXXX ended up telling me they would transfer over many of my XXXX credit hours. This did not happen-either. In the end, they only accepted 1 class and transferred it over. 

Nonetheless, I have been very fortunate to land a XXXX job and I love it! 

Unfortunately, my student loan debt is crushing. 

I have called XXXX and asked for a itemized bill but they say my record only dates back to XX/XX/XXXX. What???? This loan has been passed around by the federal government since its origination in XX/XX/XXXX and they have no record of it before XX/XX/XXXX? This loan has been flipped from XXXX, to XXXX, to XXXX XXXX, to XXXX, to XXXX ... ..and when I call to see what can be done when I am unable to make a payment, they change the status of loan, so that my 10 year repayment and loan forgiveness for XXXX STARTS ALL OVER AGAIN. 
This loan is 32 years old. I am XXXX. 

The interest that accumulates on this loan is XXXX per month. I have a loan of almost 400,000.00 and XXXX is in interest alone. 

My question is how can I get the federal government to provide me with an itemized bill of this supposed money they say I owe them. I dont think this is a unreasonable request. 
Also, why does the federal government loan young people, who are uneducated, a lot of money when more than likely they have no clue about financial issues. 

I didnt and only recently ... have begun to understand concepts involving interest rates and principles ....
Product: Credit reporting

I applied for a payday loan at XXXX XXXX loan company. The representative was fraudulent and told me I was not approved and kept the money plus turned me over to a collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file immediately : Unauthorized Accounts XXXX. Creditor : XXXXXXXX XXXX  Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/year>XXXX XXXX Balance : {$2800.00} XXXX. Creditor : XXXX XXXX Account XXXX : XXXXXXXX XXXX Balance : {$30000.00}
Product: Debt collection

I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level of fraud by putting this on my credit before contacting me as I have been at the address for years. 

Very shady practice to do that.
Product: Mortgage

Midland Mortgage is purposely delaying an endorsed check of {$35000.00} which was delivered to them on XX/XX/year>. This amount was sent by our insurance company for for siding and gutters replacement. Roofing repairs, which are a part of the same claim, have already been completed with the first check of {$14000.00}. From XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> Midland representatives have provided inconsistent, misleading and false information. After numerous phone calls and escalation, it was advised on XX/XX/year> that the check was endorsed and it would be mailed out on XX/XX/year>XXXX  and was even provided with a new tracking number than the previous one provided. 
We later received a phone call on XX/XX/year> stating there was an error in the inspection ( that was performed by a Midland representative ). Midland is now stating that 100 % of the roofing, siding and gutter repairs have to be completed in order to release the funds. However, the documents that Midland requires states the exact repairs, amounts and draw schedule. I was told that there was still no available supervisor, and was transferred to a voicemail where I left a message. 

After not receiving a call back from a supervisor, I called again on XX/XX/year> and spoke with a representative who stated that there was no supervisor available but was speaking with someone who was helping her. The representative first asked what the minimum amount needed was to start repairs. After I advised that the whole amount was needed, she stated they could send {$22000.00}. I again advised that we need the full amount. I also relayed the additional damage being caused to the home, which caused Midland to give a counteroffer of {$25000.00}. I agreed to this amount because work HAS to be started as soon as possible. No one has been able to give clear, correct information about what is going on and why our funds are being held unnecessarily. 

We have submitted every piece of information that is required. Somewhere, there is a disconnect and the documentation is not being clearly read. Midland is unfairly delaying the shipping of this check, which is causing unnecessary damage to the property as we await further repairs. Again, Midland is not following their own policies.
Product: Debt collection

Debt collector continues to contact me for my ex-wife 's debts. I have told them several times over the phone that we have not been married for 10 years and to stop contacting me. Now they are emailing me about those same debts that they have been told are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for all your help.
Product: Debt collection

I have an XXXX  in XXXX XXXX XXXX XXXX on XX/XX/XXXX an they asked me for a co-payment of {$550.00} That I paid before the procedure, after months receive a letter from the hospital that I owed {$880.00} and when I called they couldn't explain to me what that come from, after the four time calling them they told me that it was a coinsurance copayment, I Have called the insurance several times and they said it was paid what the hospital billed on XX/XX/XXXX, even those they send me to collection, please can you investigate this?
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on maybe credit report to this day over 45 days later I have not received a response yet. I feel like im. being taken advantage of and being ignored of my disputes Section 611 ( a ). its plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into there hands of the wrong person