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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX CT XXXX XXXX, FL XXXX ; XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I have been paying {$260.00} every XXXX of the month, but in XX/XX/XXXX, they decided to charge me {$65.00} rather than {$260.00}. I noticed this on XX/XX/XXXX, so I made a {$190.00} payment to make the {$260.00} payment in XXXX. I thought I had fixed the issue because I entered my account and set my automatic payments back to {$260.00}. Again, they charged me {$65.00}. I had money in my account for them to take out the {$260.00}, but they took the minimum payment of {$65.00}. I spoke to a representative on the phone, and he told me my {$260.00} payment would be charged in XX/XX/XXXX because their system takes two months to make changes. So they will keep charging me {$65.00} until then. I feel this unfair especially over the fact that I am about to pay off my loan with them.
Product: Credit reporting or other personal consumer reports

I was notified that someone requested a Southwest credit card through Chase Bank, and it wasn't me. As soon as I found out, I notified the banks and credit bureaus. I was told that in order to get this resolved, I need to get a letter for you all and then send to the credit bureaus. Chase Bank has closed the account, and I will not be penalized for anything, but I will need this removed off of my credit ASAP. 

Thanks!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as XXXXvidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

1.XXXX XXXX lied about rate 2.final bill was in dispute w 1st collect agency for 8 months 3.results were to send charges back to XXXX XXXX 4.when i call XXXX back for 2 months reps claimed no knowledge and that i would receive info in mail to be patient 5. 1 year later i receive letter not from XXXX XXXX  but from new collection agency SAS, LLC 6.Called immedietly made payment 7. CURRENT SAS, LLC COLLECTIONS REFUSES TO REMOVE COLLECTION WRONGFULLY REPORTED FOR FINAL BILL I PAID FOR AND STAYED ON TOP OF FOR OVER 1 YEAR.

I CURRENTLY HOLD 17 ACCOUNTS OPEN ALL IN GOOD STANDING AND 100 % PAYMENT HISTORY FOR OVER 6 YEARS. I KNOW THE IMPORTANCE OF MAKING PAYMENTD ON TIME. SO I ASK THAT U LOOK INTO MY MATTER SO I COULD HAVE THIS WRONG REPOTING TO MY CREDIT REMOVED. THANK U. 



XXXX XXXX LIED ABOUT THERE OFFER TO ME. 
I had decided to use XXXX XXXX for my cable tv needs. i was offered XXXX a month w more channels that i had w XXXX XXXX. also no activation, free XXXX XXXX, free movie channels and all sounded good. at first i was exited that i was getting a good rate so for the first 3 months i recieved no bills in the mail, turns out that when they asked me to give them a XXXX dollar DEPOSIT from my credit card it was to show that i was being serious about the service. come to find out out through my bank account they had really set me up w automatic withdraw from my account witch i never authorized. i called immidetly and had charges adjusted and for months i continued to call back and get adjustments. till the 1st year of our 2 year contract witch by the way i also didnt know about came about. after the 1st year was over rates tripple witch at that point i made the dicision to cancel the service. I continued to dispute the charges and was referred to a collection agency witch said they would put my account in investigastion. after 6 months collection agency said accoun t was sent back to XXXX XXXX. i called XXXX XXXX and asked for info on the aACCOUNT. THEY WERE unable to pro-vide me w any info and that i would recieve something in the mail.i waited and waited till today i recieved a letter froma new collection agency asking me to pay full balance and making aware that it was wrongfully notified to my credit witch i take good care of. i paid them there balance immidetly and asked them to remove it ferom my credit and they refude to remove so that why im filing my complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps playing delay tactics in regards to an account that isn't mine. I have told them this XXXX XXXX XXXX account is the result of identity theft. I have even submitted a police report expressing the same and they continue to ignore my requests to comply with Section 609 ( e ) of the FCRA. I am requesting that they block this account because it is identity theft. Attached is proof of ID, police report, and FTC affidavit. THIS IS NOT A REQUEST TO DISPUTE. THIS IS A REQUEST TO BLOCK THIS INFORMATION DUE TO IDENTITY THEFT.
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. 
The following accounts below has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the rights to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 7 years.

15 USC 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, credit repair services, or other personal consumer reports

I 've contacted the 3 credit report bureaus XXXX XXXX, XXXX XXXX, and Experian XXXX back in XXXX to provide validation of all negative items on my reports and asked them to provide with copies of any documentation associated with these negative accounts, including the original contract, bearing my wet signature to prove that the companies 's claim were correct. It is the 3 bureaus 's responsibilities to verify these claim before they added to my account. They failed to verify the account themselves and just " asked '' these companies or banks to verify for them and called it an investigation. I have n't heard anything after I sent out the 2nd dispute letter and they have failed to provide proof within the original 30 days I gave them. 

I have a letter to all the credit bureaus : Dear XXXX, XXXX XXXX, and Experian! 
Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! 
Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company and has continued too injured Consumers daily as your Systems are primitive in Nature!! 

Please help investigate their failure to comply and this has seriously hurt my credits and my ability to getting a loan or mortgage. 

Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX XXXX XXXX continually for 5 years label my request " This complaint appears to be about the same issues as your earlier complaint '' when they have yet to provide a copy of the valid, signed, and dated permissible permission to have accessed my credit report in XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed the kohls / capital one account but it still shows on XXXX and XXXX and should be removed in full! This is a violation of the fcra and who ever does not remove the account will be sued in court
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Equifax credit union refuses to delete a hard inquiry from my credit report that is not authorized by me, which is fraudulent. I requested that the hard inquiry from XXXX XXXX XXXX be removed from my credit report, as it affects my score. This now causes punitive damages against me, Because my credibility gets ruined. That affects my personal assets and makes it harder for me to acquire things with a lower score, with unauthorized inquiries on my credit report. Under 15USC 1681 has violated my rights.
Product: Credit card or prepaid card

I closed my capital one XXXX credit card on XX/XX/XXXX following the death of my husband who I jointly held this card with. I called the rewards division to cash out my XXXX rewards points balance which amounted to a check for {$190.00}. I spoke to multiple people at CapitalOne for over two hours to accomplish this task until finally XXXX at capital one customer service assured me he would send the check regular mail and it would arrive within 7-10 business days. I gave them my mailing address and confirmed all contact info. When the check didn't arrive, I called the same division and spoke to XXXX in XXXX AZ on XX/XX/XXXX. He was confused why I didn't get the check but said he would arrange to have it resent. He said he would submit it for 'reissue today ' and someone from Capital One would call within 5 days to confirm it was resent. The check didn't arrive. I called back on XXXX spoke to XXXX XXXX XXXX XXXX AZ XXXX After much confusion, he told me that he was 'chatting ' to XX/XX/XXXX- this is the division that looks into check issuances for rewards redemptions. I was told customer can't speak directly to the XXXX staff, it has to be only via customer service at Cap One. He said, XXXX indicated the check had been cashed at a bank on XX/XX/XXXX. The check had not been deposited but simply cashed with NO verification of payee. I did not ever receive or cash this check. I asked for it to be reissued and mailed to an alternative address for a family member so if mail theft had occurred, it would not happen again. He agreed. He said, as it was fraudulently cashed it would be reissued and sent to the new address I gave him. He said someone from Cap One would call me on my cell number within 5 business days to confirm the check was mailed. No one called. I called back on XX/XX/XXXX. First I spoke to XXXX, she was unable to help me after trying to get an answer on the status of my check from XXXX. Then I implored her to escalate this matter to a supervisor, she then, after 90 mins sent me to XXXX. XXXX was a horrible person who told me 'Capital one can't help you. The check was cashed and all we can do is send a copy of hte check to you to see where it was cashed ''. In other words, he told me Capital One doesn't have a policy of reissuing this kind of check when fraud has occurred. He falsely told me the onus was on me to try to figure out who committed the fraudulent check cashing to try to get my money from the bank that failed to conduct the payee verification. That is absolutely false information. I am angry that they refuse to file a claim for that money with the bank that. It is also wrong that they are refusing to pay me- the rightful owner of these funds. They have RECOURSE. I DO NOT! This money belongs to me.
Product: Credit reporting or other personal consumer reports

XXXX violated 15 U.S. Code 1681s2 ( 3 ) of the FCRA. I protested these inaccuracies more than 35 days ago, but you have yet to mark them as disputed. You lead me to lose out on opportunities by incorrectly reporting this item and failing to indicate that it was dispute
Product: Credit card

My XXXX cellphone was security breached allowing unauthorized access to ALL of my personal and financial information. Also unauthorized access to online usernames and passwords for ALL accounts. Unauthorized reporting my credit cards as lost or stolen and requesting replacement credit cards to be sent to me without my knowledge. Accounts are showing very high balances due and no transactions were made by me. I do not have any authorized users on Any of my credit card aw accounts. Apparently replacement cards mailed to have been stolen out of my mailbox as I have not requested or received any. Tried numerous times to contact Amex fraud department but it is obvious my phone calls are redirected to some unknown person that I definitely know is not Amex. I know this because I am very familiar with Amex representatives with questions or information they WILL REQUEST from me to verify my identity. I have been completely BLOCKED from my numerous phone calls attempts to reach Amex Fraud Dept. to resolve this Identity Theft issue. I even opened a po box to assure no more credit cards can be received by this criminal.
Product: Credit card

I paid off my account in the full amount of {$1600.00} on XXXX  2024. Two months later they said I missed a payment and have hit my credit score. Ive called, emailed and mailed letters with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 credit cards accounts with XXXX XXXX. They misapplied a payment, made 2 payments to one credit card and the other account was not paid. When I noticed this I contacted XXXX  XXXX, they took the money from the account and applied it to the correct account, and sent me letter stating this was done. However they never corrected the late payment entry on my credit report. I have contacted XXXX XXXX 3 times by phone, sent them 2 letters with all the corroborating evidence and detailing this info and also disputed this through Experian 3 times. And nothing has been changed. When I have tried to contact someone at the Dispute Credit Bureau dept at XXXX XXXX, I have been told there is no way to contact anyone instead I was told to send yet another written account of what happened. I have written to them and called, and they have yet to change my credit report even though by their own acknowledgement they misapplied the payment and fixed the payment. That makes absolutely zero sense, and when I call in the reps are very apologetic but they have said I need to write to them again.
Product: Mortgage

Purchased a home on XX/XX/21 I closed on the FHA 30yr loan on my first home. 
The appraiser documented No prior sales to the subject property in the past 3yrs other than when sellers purchased it I found out after closing I was the 4th buyer of the home in 1year. This information is public record on XXXX XXXX County accessors ' office, and XXXX. 
*My interest rate was locked and agreement signed, the fee for points changed 3 times without communication to me that the fee for points was changing while my interest rate was locked. The most important were on my preliminary and then changed again on my final disclosures.

*I was steered to believe I qualified for the Mortgage Credit for first time homebuyers and that Hallmark and my lender filed for the credit as stated and the program fee of {$800.00} was on all my of my CD 's except the final CD it was removed.

*I contacted XXXX XXXX XXXX who stated that nothing has been filed for any credits in my name, she also checked under my SSN and address. Nothing was ever filed. 
*My lender admitted that they didn't file it and threatened to push closing out to file for the credit which takes a month alone and the lender was aware that if we pushed closing out any further the sellers would not be willing to do, so I would lose the home. 
*Hallmark home mortgage steered me away from government programs to help with closing cost and down payment assistance which I qualified for due to my lender stating that if we go through XXXX XXXX XXXX will dictate the interest rates, and they will be higher. 
XXXXmorning of closing I informed Hallmark and my Lender that the CD was not accurate, showing credit cards that I had already shown proof of payment. 
*I have all the documentation in writing as I have a mortgage that I have not been able to afford, I had nowhere else to take myself and XXXX  children. I work full time in XXXX  and I have XXXX  young children. This was awful what happened to me, and I was backed into a corner where I didn't have a choice.

*This was originally supposed to be a conventional mortgage, but my lender stated it was not worth his time to do my loan conventional even though I had already taken the Framework for homeownership class and did everything required to do the Home ready program under XXXX XXXX  XXXX 
I filed a formal complaint, which they gave to an attorney, who did not address any concerns.
Product: Debt collection

XXXX and XXXX used a bait and switch sales tactic on me. 
XXXX sent an email stating TV, Phone and internet for {$89.00} plus tax and they will bundle with XXXX but all the payments go through XXXX. 
When the Technician installed the system he failed to install the phone service and since I did n't care one way or the other if I had the phone or not, I did n't bring it to their attention. 
XXXX said in a recent conversation on XXXX/XXXX/17 that because I did n't complain about not having the phone service that I was n't going to receive the triple play price and they would n't honor the email or take responsibility for their technician not install the phone line. 
So rather than admit their mistake and have the technician come out and install a phone line and give me the triple play price as per their email, they decided to charge me {$200.00} a month. I told them if they do n't honor the email offer that I signed up for then I would have to cancel the service on the grounds that they broke the contract. 

I am submitting all documents supporting my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have tried a numerous of times to have XXXX and Capital One to correct my soft inquiries. I have 128 Soft inquiries from XXXX and Capital One each party keeps sending me to the other party. Which I am told to get it corrected by the other party. No one seems to want to correct it this has affected me it has hurt my credit report. Each party consistently tell me it's not hurting my credit report 128 inquiries does hurt your credit report. Especially when you have not applied for any credit. I spoke with the 20managers at Capital One each one of them refused to help. I begged to speak to anyone for help me. The manger by the name XXXX stated there was no one above him and so did the next manger. I felt as if they should have gone overboard for 128 inquires in which the mistake was on Captial one. I was antagonized as if it was my fault asking me questions and basically stated it's my responsibility to dispute the 128 inquiries, however when I tried to dispute with XXXX. I was told to go to Capital One. It's just a redundant domino effect and no one seems to want to help me. Please get this corrected regard to my credit reports. In which has affected my livelihood. No one wants 128 inquiries on a credit report. No party seems to want to take accountability and get it corrected. I been turned down for credit with bigots when my credit score was XXXX. 

Thank You XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. XXXX responds within 24 hours stating the account is accurate without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act 15 U.S.C 1681i which mandates a reasonable investigation of disputes. There was also a security breach. CFPA 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ) ( File Number XXXX I want reported accounts to be removed
Product: Money transfer, virtual currency, or money service

A wedding photographer who was falsely posting other peoples photos online scammed me out of {$XXXX}. My wedding already passed, she did not refund any of the money, and did not show up to my wedding. She did not sign our contract and has now since deleted the contract she created for our services. I attempted to retrieve my money back with no success. She has scammed over XXXX brides, we have created an online XXXX XXXX XXXX XXXX a SCAM in order to raise awareness with more than XXXX members currently.