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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Balance details Paid off- Balance - Balance updated - Original balance {$120.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX details 0 % paid off Balance {$400.00} Balance updated XX/XX/XXXX Original balance {$340.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$400.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX Important dates Inquiry dateJun XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX  Important dates Inquiry dateJun XXXX, XXXX Removal XXXX XXXX XXXX Important dates Inquiry dateDec XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Important dates Inquiry dateJun XXXX, XXXX Removal XXXX XXXX XXXX & XXXX XXXX Important dates Inquiry dateOct XXXX, XXXX Removal XXXX XXXX
Product: Mortgage

After successfully completing over two months of a full documentation mortgage loan application process my loan was approved on XXXX XXXX 2015. This cash out 60 % LTV refinance is needed to complete a remodeling project on my property which I have owned for over 23 years. XXXX XXXX XXXX, Loan Depot 's loan processor assured me I was approved and final loan closing documents would be drawn up as soon as I cancelled four of my five credit cards that were to be paid off in the loans close. I immediately cancelled the four credit cards they specified even though I was told it would be impossible to reinstate them and that this action would negatively affect my then good FICO credit score. XXXX XXXX the loan processor pushed me to obtain emailed and or faxed confirmations of these credit card cancellations which was successfully completed on XXXX XXXX. On XXXX XXXX after nearly three weeks of excuses I was amazed to hear XXXX XXXX 's explanation that the property appraisal was being reviewed causing this delay. After another five exhausting weeks of phone calls and emails asking for an update I was told on XXXX XXXX that their appraisers comparable ( comps ) were not acceptable to Loan Depot and the loan was being declined because of this. This cancellation caused me to be damaged on several levels starting with my FICO score being negatively affected because the lender required me to cancel credit cards as the only condition of final loan approval. In addition Loan Depot required me to rewrite at additional cost my hazard insurance policy with additional conditions and coverage. 
The facts have become clear after I have looked into this which are disturbing. I agreed to pay whatever the cost was for a professional appraisal and paid a deposit of {$390.00} to begin the process, I was contractually obligated to pay whatever the cost was for a professional fee appraisal. As far as I can ascertain Loan Depot through its XXXX appraisal agents was the cause of the the unacceptable appraisal by restricting the appraisers fees offering a substandard fee causing a low end appraiser located hundreds of miles from the property to be the only appraisal service willing to do the work. The appraiser they selected was not a member of the local local XXXX XXXX XXXX board. There are many local Montana real estate fee appraisers when it comes to these unique properties but they hired an out of area appraiser simply because of the low cost, this cost was mine not Loan Depot'sMy damages are ongoing after nearly five months time passing when this could have been finished in two months because of Loan Depot 's actions. This has caused me XXXX dollars damages in lost time, emails, phone calls and more. 
I am ready to proceed with a loan closing in order to rectify this, not wanting to to resort to a costly lawsuit with XXXX XXXX for its disregard to its fiduciary obligations to me. Kindly help me with this or refer me to whoever you feel may be able to help me proceed.
Product: Money transfer, virtual currency, or money service

I entered the XXXX market XX/XX/XXXX at XXXX pm and this page appeared. I had very good comments so I trusted them I went to their catalog and chose some products, I made the bank transfer of {$500.00} pesos and they never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter on XX/XX/XXXX, stating Identity theft Notice. So did not know what to do so after researching I'm stating to take action with this identity theft. I had been going in and out of the hospital for sometime now and early XXXX I was hospitalized most of the time and during this period is when I think my identity was stolen because I just checked they are many credit cards opened one after another with some of them having high balances, and I also have a loan under my name around the same time the credit cards started showing up in my credit report.
Product: Credit card or prepaid card

I enrolled in American Express car rental protection insurance on XX/XX/2023. I told the Sale Representative/ Customer Service what I needed and my situation. The Sale Representative/Customer Service told me to use my American Express credit card at the rental agency XXXX  and said " Something like a Pre Authorization will activates the insurance ''. The rental car had an accident on XX/XX/2023. I filed the claim on XX/XX/2023. 

However, on XX/XX/2023 denied my claim as the following reason : " Our records indicate that an enrolled American Express card was not used to pay the rental fee for the Rental Car. Therefore, the above referenced activation requirement was not met.An authorization of {$100.00} was held and refunded therefore was not charged as a portion of the rental fee to the eligible card. XXXX XXXX XXXX was charged in full for the rental of {$320.00} per the Closed Rental Agreement ". 

From my perspective, American express Sale Representative knowingly Misled me and/or misinterpreted/Did not classify the insurance terms when I enrolled the insurance in the first place. Otherwise, I will purchase XXXXXXXX XXXX XXXX to cover the rental car.
Product: Debt collection

Best Buy has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non compliance with the XXXX XXXX, XXXX, TransUnion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX These debts youre trying to collect Im not down with any of it and the amounts youre saying I owe are off. Dont bother sending me any proof Im not interested. I know whats up and proof wont change a thing. If you need to contact me, do it by email only between XXXXXXXX XXXX XXXX XXXX XXXX EST. No mail whether its USPS, XXXX, XXXX or any courier and dont call me or voicemail either. Its just not convenient. ACCOUNT # XXXX and anything else you have under my name. Just keeping it real.
Product: Checking or savings account

I was mugged outside of a Citibank in XXXX XXXX XXXX, screenshot should have correct zipcode of original citibank address before the building was relocated. I closed that account and opened a new one by myself, no authorized users. All deposits into the account are fine there should be no withdrawals from the account unless a verification is completed, after the mugging and identity theft, Citibank personnel would know that. I attempted a withdrawal to a XXXX acct recently and was advised it would go to through. Instead, it was reversed and I am concerned it was sent as a paper check to someone, fraudulently.
Product: Bank account or service

On XXXX XXXX, 2016 I made a transaction with XXXX XXXX XXXX for XXXX cents, they charged me the XXXX cents and {$19.00} on my Debit card. I immediately contacted by bank Chase and reported the fraud. I also contacted XXXX XXXX and they reversed the charge. On XXXX XXXX Chase debit me the {$19.00} and then credit it back on XXXX XXXX stating they received the reverse charge from XXXX XXXX XXXX. On XXXX XXXX Chase re-debit the {$19.00} from my account, they said it was for review. This put my account in the negative by - {$4.00} and then I had a debit of {$12.00} which put my account in the negative to - {$16.00}. Then on XXXX XXXX they charged me {$34.00} for Insufficient Funds. I contacted Chase and they reversed the {$34.00} but has yet to return the {$19.00}. They say we assure you we have not taken your {$19.00}, but yet my account is still short the {$19.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/year> This is a request for a re-investigation of the accounts listed below. These accounts were claimed to have been accurate or verified by you just putting them on my credit report without my consent and without your knowledge of them being 100 % correct.

These accounts are still inaccurate/Unverifiable/invalidated and need to be corrected or deleted immediately : Also make sure these items are Compliance. 
Please re-investigate this account is inaccurate and Unverifiable. 
Please delete accounts at once. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these from my report Misleading and false information I have made several attempts to get u to validate this method u are in violation of my rights with FCRA According to Section 611 ( a ) ( 6 ) ( B ) Please be advised that under Section 611 ( 5 ) ( A ) u are require to delete everything that can not be be verified promptly. 

Also please send me my full credit report along with the following items : your investigation results contact information for each creditor and any relevant information from the previous investigation. 
The documentation used to verify the dispute for completeness, accuracy, and appropriateness Thank you for your help regarding these issues
Product: Credit card

On XX/XX/XXXX, Citibank unexpectedly closed my Citi XXXX XXXX XXXX XXXX XXXX XXXX account, despite my history of paying all balances on time and having no outstanding debt. I was not informed in advance about this closure, nor provided with a clear explanation afterward. 

After discovering the account closure, I visited Citibank branches multiple times and contacted their customer service team repeatedly. I was told that I would receive a letter explaining the reason for the closure, but this letter never arrived. 

During my last visit to the bank, I was informed that Citibank would reapply for the issuance of a new credit card account. I was assured that once the new card was issued, my credit score would return to its previous level. However, today I received a notice stating that the application for a new account was denied, again without any clear explanation.

The account closure and subsequent denial have significantly impacted my credit score, making it difficult for me to access financial products. I am seeking a clear explanation of wh
y the account was closed, the reopening of the account or issuance of a new card, and the restoration of my credit score to its previous level, as it was unfairly affected by this situation.
Product: Debt collection

On XX/XX/2023 the associates at IQ data international Inc called my daughter XXXX and started to threaten her with her credit if the balance was not paid off. 
I called the company back and spoke with XXXX XXXX- I tried to explain the situation to him and he kept talking over me and interrupting me as I was reading the letter we received from our previous apartment complex showing we did not owe the {$2300.00}.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately 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: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

this student loan company called nelnet has bought my student loan acct, the problem is that i have asked for forbearence and derfermehnts in the years XXXX,XXXX,XXXX,XXXX. my recent credit should be good and payments up to par, no past due. instead the company has my credit with past due., i have followed the procee and made the companyies awre of thier worngfull reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been having a lot of trouble getting a fraud alert removed from the credit bureaus.
Product: Money transfer, virtual currency, or money service

The Jpay company is a service provided to sell products to the XXXX of Ohio such as media players, games, music, stamps for email communications, etc. Yet this company is just ripping the XXXX  off by selling defective products, and abusing the system for profitable gain and not rendering adequate service. I purchase my son XXXX XXXX # XXXX a XXXX media player at the cost of {$150.00} and paid {$50.00} for games & music to be loaded on it. The media player arrived at the XXXX defective and would not work. My son has been complaining to this company for months and they refuse to even acknowledge his every attempt to correct or resolve the problem.I am on a fix income and do not have money to give away to this company. They also kept the {$50.00} and refuse to give it back as well. My son is not the only one this has been done to according to XXXX XXXX search. I am hoping you can help us retrieve another player that works and forward the music & games that was purchased or give money back. I pray that you take a good look at the what this company is doing because they feel the XXXX are powerless against them because they can't speak out for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$540.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Balance {$2200.00}
Product: Checking or savings account

XXXX XXXX Fraud Team, I am reporting a case of fraud and would like to chargeback several charges all to the same individual ( XXXX XXXX ) that I paid in installments via my XXXX  checking account. Transactions include installment 1 ( {$750.00} via XXXX on XX/XX/XXXX ), installment 2 ( {$750.00} XX/XX/XXXX via cashapp ), installment 3 ( {$750.00} XX/XX/XXXX via cashapp ), and installment 4 ( {$750.00} XX/XX/XXXX via cashapp ). All payments went toward the purchase of two identical pieces of property XXXX  XXXX XXXX XXXX  ( devices that mine the cryptocurrency called XXXX ). The seller assured me that both units were brand new and had never been used before. When I received both units, the XXXX app ( app one uses to power on such devices ) confirmed that both units had not only been used before ( see screen shot included in report ), but belonged to another users wallet. There is no changing this, it is a locked wallet belonging to someone else. This means that any mining activity would be forwarded to another individual, and not me as the buyer. This makes both devices completely and utterly worthless to anyone, including me. The seller knowingly sold me someone elses property that did not belong to him. This is illegal and 100 % fraudulent and 100 % a scam. I would like to chargeback these payment installments to get my money back for the worthless and counterfeit machines illegally sold to me. 

I would like to submit additional evidence in my financial fraud / crime case with XXXX and Cash App. For reference the case numbers are below : Case # XXXX XXXX  Case # XXXX Cash App I have 100 % proof that the seller in this case sold me two stolen XXXX XXXX   devices that are not to be resold under any circumstances. As previously shared with you, the seller agreed to sell me two brand new hot spot devices. When I received them, both units were registered to another entities XXXX wallet ( not new at all, and completely worthless ). One of the units was registered to XXXX XXXX XXXX and the other unit was registered to XXXX XXXX XXXX. I am able to see these names upon setting up the XXXX  units in the XXXX app, when I attempt to set up the units, it shows me the units already have an owner making the units worthless to me. See screen shots attached with both of these names shown for proof. 

I reached out to the head of XXXX, a XXXX XXXX  XXXX company, and they confirmed that both of these units belonged to the company and that it was illegal for the seller to have sold these to me. The seller sold me property that he claimed to be his own when in reality it was the property of XXXX. This is financial fraud and a scam. These charges I paid to the recipient as part of this case need to be reversed immediately please. Any individual would be able to look at this case and come to the same conclusion : financial fraud. Please see screen shots attached for proof directly from XXXX about what I shared above. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  Account XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have rights to privacy.

15 U.S.C. 1681 section 604 A Section 2. If also States a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block inc. ) due to inadequate customer services and unfair practices, which violates Consumer Financial Protection Act ( CFPA ) Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several inaccurate items that do not belong to me. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 1681i ( 5 ) ), credit reporting agencies are required to ensure maximum possible accuracy and remove any unverifiable or inaccurate information from consumer reports. 

I am formally requesting that you investigate and remove the following inaccurate items from my credit report : 1. [ XXXX XXXX. Doing Business as XXXX XXXX ] Enclosed, I have included copies of my credit report with the disputed items highlighted, as well as any supporting documentation to assist in your investigation. Please conduct a reinvestigation and, if you can not verify the accuracy of these items, remove them from my report immediately. 

As required by the FCRA, please provide me with the results of your reinvestigation in writing. If the information is not corrected, I request that you include a statement of dispute in my credit file. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe outlined in the FCRA.