23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I answered to an ad on XXXX ( on Sunday, XX/XX/2022 ) for a house that was listed for rent. I was on the phone with someone who claimed to be the landlord of the property. He said he was out of town but could show me the apartment over the phone. Desperate and nearly homeless, I said okay. He gave me a code to enter the house, which made me feel like this person was really the landlord. After checking out the place, I agreed to moving in. He said he would meet with me tomorrow to secure the lease and give me the keys. However, the only way that would happen is if I give him the security deposit first. This made sense to me at the time because I have had to pay a security deposit before signing the lease with my previous apartment. The supposed landlord assured me the deposit is refundable and it is only to make sure he doesnt show the property to anyone else. Since he said it was refundable and would meet with me tomorrow, I sent him a deposit of {$1100.00} via cash app. I felt confident sending it via cash app since Ive seen cash app refund money back to people. Not to mention he said the deposit is refundable. After sending the deposit, I realized it was a scam once he sent me an application via XXXX forms. I also realized the rent was not the same as what was listed on another website. I immediately reported the transaction as a scam. I requested a refund to the supposed landlord and he has yet to give me the deposit back. I reached out to cash app customer support via live chat. They didnt have any representative to talk to on the phone. They told me there was nothing they could do once the transaction is complete, but I know thats not true. Ive seen cash app take money away from my account ( without my consent ) after someone requested a refund. If they can do that to my account, which isnt a scam, why cant they do that to an account that actually is a scam? The amount I gave him for the property is incorrect. It is not what the actual security deposit is for the property. He charged me a false amount under false pretenses. Even if he was the actual landlord, he said the amount is refundable. I should be able to get my money back. Cash app states the transaction should be refunded if it is the incorrect amount. {$1100.00} is an incorrect amount. The actual deposit is not {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX  XX/XX/2023 XXXX  XX/XX/2023
Product: Payday loan, title loan, or personal loan

When I realized I was struggling to pay off this loan, I attempted 3 times to contact the company regarding the issue. I was informed that they got my email, but they refused to talk to me further about ways to resolve the issue. Instead, they continue to charge me finance charges every 15 days, now almost doubling what I currently owed. Another loan that I received have worked with me in resolving this issue, b ut Big Pictures did not, and refuses to. I am now working with a credit resolution in an effort to try not to file bankruptcy. Big Picture L oans is a company that is impossible to contact and does not respond to my emails except with form letters. They do not allow you to pay off your loan but instead implement a new application each 15 days with a new number.
Product: Checking or savings account

I've been dealing with this since XXXX of last year XXXX They closed my account and I have not received my money back since that day. They asked for the full names and phone number of all my clients who paid me in checks cashiers check and money orders. in total I have {$54000.00} Dlls stuck with them. I had my lawyer look into which I paid {$57000.00} DLLs in total. Every time I call they tell me they need to verify the checks I gave them almost a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered Data X on my credit report. I tried to request a copy of my report online. However, you must download a form, and mail it in. This is a great inconvenience when trying to correct errors on your consumer report Amazingly, I could download a form, but could not request a consumer report online. 

This process deters consumers from correcting erroneous information. We are in the XXXX XXXX and XXXX XXXX policy and procedures benefits Data X. The credit bureaus are out of control, and taking advantage of the very people the claim to protect! They are reselling our personal information and making a generous profit. This is asinine!
Product: Credit card or prepaid card

I made a purchase on XX/XX/30 for to an attorney for XXXX USD and Amex never returned the credit for the voided transaction. As of XX/XX/XXXX the monies was pending crediting to my account and now the transaction of the monies are completely wiped out /deleted from my account history and is not listed in my statement or any documentation that the monies has provided to me. Amex kept my money and decreased my limit and did not provide my XXXX back to my account.. 

In addition Amex baited and lied to me when I accepted the Amex platinum business and blue card. I had an Amex platinum card set at no limit now Amex has decreased my limit without warning or rationale for all of my card. Without reason since I pay more than what is owed on my account and I am never late. However when I received my business card the limit was first XXXX then less than 30 days it was XXXX and has been decreasing my credit ever since without reason. I pay the fees and charges on time and have never been late. Amex falsely advised me to spend XXXX on the business card to earn XXXX but afterwards decreased my limit as a penalty to their incentive for me to spend. ALL of my cards now have reduced limits and does not allow me to use any of my cards to the full limit. Amex never advised me if I got any credit card that they would reduce my limits and treat it like it was one card even if I pay my credit cards on time. Amex is intentionally abusing my rights as a credit card holder by forcing me to 3 cc from Amex as one overall account like they have are tied together and only have one limit. I have neve4r had this done I have a XXXX account and the limit is XXXX they do not reduce the limit if I spend XXXX on my freedom card but Amex does this without warning or a transparency. Amex also attempted to us info from my bank accounts without my authorization to create a profile on me and my business and falsely categorized my spend from one business account as a source for all of my business activity. Amex mislead me as a customer my offering Amex cards and then reducing my overall credit amount after I accepted the offer, IN addition amex does not allow me to modify my payment when I initiate payment if an error occurred. On more than one occasion a payment was initiated that could not be reversed, deleted or modified because Amex had locked this feature from my account. So if I make an error Amex freezes my account and uses it as an excuse to lock all of my accounts while charging me for services that I have no access to. 

Amex is racist they took advantage of a XXXXXXXX XXXX XXXX XXXX  and made our credit fluidity restrictive by using false and misleading practices to have me spend money and then penalized me after I spent the money by reducing my credit limit even though I have never been late and often pay above the minimum amount due!!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion on XX/XX/XXXX. I have a security freeze on my credit report due to identity theft XXXX. The issue I have was with one of the security questions. The question asked, which state ex husband lives in? The problem is I've been divorce for 17 years. I've only spoken to him twice in the past 17 years. Ironically last time I spoke to my ex-husband was XXXX. I requested to have that information removed. I was simply bothered because there is no affiliation, no contact. I'm not sure if anything was applied in my name. I felt the need to report this information.
Product: Vehicle loan or lease

I have used the mail and multiple fax requests for Hyundai Motor Finance to transfer a record of my title to my new state of residence and despite following their procedure and several weeks of phone calls they are not doing so. 

I believe they have either lost my title or have some other reason to deny compliance with my request. It is preventing me from registering my car. 

I have called nearly twice per week for a month and been unable to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$170.00} XXXX XXXX XXXX {$360.00}
Product: Debt collection

This complaint is a HIPAA complaint against this debt collector. I made a complaint recently about this debt collection agency because they had not validated a debt they are reporting on my credit reports. They're reporting a debt for someone named " XXXX XXXX '', which is NOT me. My name is XXXX XXXX. In their reply to that CFPB complaint, they included a list of medical procedures that this " XXXX '' had while at the hospital. They did not include a HIPAA release form, which means they have now given ME a list of medical procedures for somebody else which means they've violated HIPAA laws, which can come with a {$10000.00} fine. I fully intend to try to track down this " XXXX XXXX '' and notify him/her of what this debt collector has done so that she can file complaints, and/or take this company to court for violating her HIPAA rights. Again, this debt does NOT belong to me, and needs to be removed from my credit reports immediately. If not removed, as legally needs to be done, I will be seeking legal counsel, as well as contacting the state attorney general for assistance.
Product: Credit card or prepaid card

Someone opened a credit card with Chase Bank in my husbands name, we only found out about it when we went to apply for a car loan and saw we had a balance of {$18000.00} from chase bank. We have never banked with chase and after this never plan too. We contacted the credit agency, and chase bank and got it resolved, the balance wiped from our credit, and chase bank closed the alleged account and have noted it as fraud. Since then we have been getting calls from a so called chase bank saying we owe a balance on our chase credit card of {$18000.00} and they want our social to confirm and make a plan for payments. A total scam and they call me every day XXXX a day. So sick of these scammers. Their phone they call from is XXXX ( XXXX ) XXXX please get these credit card scammers and stop them from taking peoples identities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Someone at XXXX called me yesterday to verify my information. I asked them what this is in reference to and they stated a check that I wrote for a loan payment bounced. I asked them what the loan was for and the crediting bank. They could not provide me that information. I then told them they were wannabe scammers and used a couple of expletives and they hung up on me. This morning I learned from all 3 major credit bureaus that a soft inquiry was made on my credit report. I have called all 3 bureaus and XXXX XXXX to let them know this was not me and reported the fraudulent activity. XXXX XXXX declined the online loan request and listed the request as fraud.
Product: Credit reporting or other personal consumer reports

Please see supporting documentation pertaining to XXXX DATA BREACH.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX just labeled the following complaint as duplicate -- -- -- -- -- " How can every complaint and request sent to XXXX XXXX XXXX XXXX be labeled " duplicate '' when not one request or complaint has yet to be answered? I want XXXX XXXX XXXX XXXX to explain. I want XXXX XXXX XXXX XXXX, Transunion, and XXXX  to explain why every complaint and request sent to XXXX XXXXXXXX XXXX XXXX is labeled " duplicate '' when they have yet to answer one. '' Amazing!!! 
XXXX  XXXX XXXX XXXX is making a mockery of America Laws and government. In addition to labeling everything as " duplicate '', they have yet to send copy of the dated credit report that will prove they did not have permissible purpose to pull my credit in 2017 that led to a fraudulent auto loan.
Product: Debt collection

Debt is not mine. Asked company to send proof of it being mine and received no response
Product: Credit card

I received a notice dated XX/XX/2024. 
The Notice applies to my " Shop Your Way Mastercard '' account ending in XXXX. 

I am rejecting the changes to my account terms. The change is an increase in the Annual Percentage Rate for purchases, balance transfers, and cash advances to 34.24 % Since I am rejecting this change, my account will be closed. Consequently, I lose all earned " Shop Your Way '' points to my account! I request remittance of {$25.00} per point and offer an XXXX concerning this transaction. If not accepted, I request immediate remediation and arbitration concerning the loss of points over the forced closure of my account.
Product: Credit reporting or other personal consumer reports

The following XXXX XXXX XXXX XXXX XXXX  XXXX account currently listed and showing on my Experian and XXXX credit report is lost/stolen : XXXX. My XXXX XXXX XXXX XXXX XXXX XXXX credit card is lost/stolen. My lost/stolen XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number is : XXXX.
Product: Mortgage

I have had a mortgage on my current home since XXXX. My mortgage has been moved from company to company several times over this period. They have lost payments through the transitions and started foreclosure proceedings in the past. The last case is from XXXX. I won a ruling with my proof of payments and bank statements. OCWEN appealed and claimed my documentation was not valid and should have not been admitted. I filed a XXXX XXXX plan in XXXX and made payments for the last 3 years. OCWEN did not apply those payments correctly to my loan. I received documentation from them that my loan was being sold to another PHH company. I passed the information along to my XXXX lawyer. Then then refiled to get a new court date which is XX/XX/XXXX. I have attempted to re-finance my loan to get out from this mess, but I am not allowed to be approved since my mortgage is not being reported on my credit report. It has been reported as current for the last 2 years and stopped being reported in XXXX when it was moving to PHH. I now have a pending foreclosure court date of XX/XX/XXXX, and I have nor recourse to correct this. OCWEN and PHH refuse to talk or work with me on this issue. Neither can explain where the {$65000.00} in payments over the last 3 years have been applied. My principal balance is the same, my arrears balance seems to be the same. Please help me correct this.
Product: Credit reporting or other personal consumer reports

I did not authorize any of the below to pull my credit all bureau reported : XXXX XXXX XX/XX/XXXX equifax XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I sent a credit dispute letter by certified mail on XX/XX/2021 to Equifax asking to verify the debts on my credit report. I have received no response verifying that the debt was accurate or legit. I am now mailing a demand to comply letter stating my rights and that the debt should now be removed. 

I am still waiting for a response from Equifax.
Product: Debt collection

Ally auto has continually sent letters, each time with a different amount that I supposedly never paid for a leased car that I had. I have had XXXX other leases with them, which I assume I would n't have been approved for if I owed them money. Anytime I contact them to ask for whatever records they have for this debt I am told that they do n't have access to them because it was so far back. I really think they are just scam artists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXX
Product: Debt collection

These people called my cell phone threatening to make me lose my job, sue me, and ruin my life. They never identified themselves beyond NCA. I called back repeatedly to find out who or what they wanted. I was ridiculed, told they would ruin my life and my children 's lives, and then threatened with a harassment suit.
Product: Debt collection

In 2008 I was a XXXX and a member of the XXXX in XXXX, CA. I cancelled my membership and returned their lock box equipment. I was not told of any additional charges and I did not expect any additional charges. I have disputed owing the {$88.00} they claim I owe for years. And, recently I viewed a copy of my credit report and see the {$88.00} is still on it. I called XXXX and they informed me that the {$88.00} is for cancelled membership dues ...! I should not have to pay them to cancel the membership and they continue to destroy my credit rating for {$88.00} that I should not have to pay.
Product: Debt collection

The Moore Law Group is has attempted to mislead, deceive and scare me with threatening collection letters. They have been previously sued for this abusive practice in XXXX vs The Moore law group XXXX : XXXX XXXX. I plan to do the same if I am sent anymore harassing letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

We state for the record to XXXX, XXXX, & Equifax of the alleged accounts : That I did not sign any instruments pertaining to those accounts listed above either as maker or endorser with wet ink signature. That the signature of any documents annexed to the accounts listed on the FTC report is not my wet signature on behalf of XXXX XXXX XXXX ( assumed business name ) but is instead is a forgery made without my full disclosure, knowledge and my approval.
Product: Debt collection

i received a call from a woman named XXXX at my place of work, idicating this was a final attempt to contact me about docket number XXXX. im not sure what this is for. i have not rec 'd anything in the mail nor my personal phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get an accurate credit score and credit report from CreditKarma for over a year. My XXXX credit report is showing it hasn't been updated since XXXX of XXXX. I have attached 4 screenshots showing that this has not been updated since XX/XX/2022.