23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

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/year> Experian : XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost urgency concerning the presence of fraudulent items on my credit report. It has come to my attention that unauthorized entries have been listed, significantly impacting my financial well-being. This complaint is a formal notification of the urgent need for the swift removal of these fraudulent items from my credit report. 

Upon discovering these unauthorized entries, I immediately took action to dispute them in accordance with the established procedures outlined by Credit Bureaus. I provided all necessary documentation, including police reports and affidavits, to support my claim of identity theft and fraudulent activity. 

Given the severity of the situation and the potential implications for my financial stability, I urge you to expedite the process of investigating and removing these fraudulent items from my credit report. Prompt action is essential to mitigate any further damage to my creditworthiness and to restore the integrity of my credit history. 

I request the following actions be taken without delay : Immediate removal of all fraudulent items from my credit report.

Written confirmation of the removal and updated credit reports reflecting the correction.

Assurance of ongoing monitoring and protection against future instances of fraud or identity theft.

I emphasize the critical nature of this matter and urge you to prioritize its resolution accordingly. Failure to address this issue promptly will compel me to escalate my complaint to relevant regulatory authorities and explore all available legal avenues to seek redress. 

I trust that you will treat this complaint with the urgency and seriousness it warrants. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX
Product: Debt collection

I received XXXX dishonest calls this week from Mid Atlantic Consumer Services. The first said that they were calling about a XXXX income tax that form that I " refused to acknowledge. They clearly made it sound like they were acting on behalf of the government. 

In the second call they said they " had a form with my social security number on it '' and they were trying to send to me but it was refused. 

When I called their XXXX number it was clear that this was a debt collection service but never mentioned anything of the sort in the XXXX voice mail messages they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX I'm here issues on my credit report i have called to have someone help me removed something's that has been on my credit report to that don't belong to me but they are still showing on my report XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : ( XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
And ( XXXX ) XXXX XXXX # XXXX, has violated my rights. 

Please note : In the Fair Credit Reporting Act ; 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 States : A consumer reporting agency can not furnish a account without my written instructions ; 15 U.S.C. 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years ; and 15 U.S.C. 1681s-2 ( A ) ( 1 ) States : 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. Therefore, this issue needs to be resolved immediately. Thank you for your assistance in this matter.
Product: Checking or savings account

On XX/XX/XXXX while I was home in XXXX NY someone who had intercepted my debit card and researched my mobile carrier info went into a XXXX store in XXXX CT pretending to be me. They requested an E-SIM card transfer from my phone to their phone. XXXX XXXX was the representative helping them and sent out a text message request for me to authorize this transfer. I did not see the message and never replied to it. She authorized the transfer anyways. This exact sequence of events is documented and I have the memos given to me from another XXXX store front. Once this person had my E-SIM card and debit card they were able to find my information in my phone to use my card. They spent thousands at an XXXX XXXX in XXXX XXXX CT, XXXX XXXX XXXX in XXXX XXXX, took out thousands at ATM ( s ), and CBP transferred thousands. I did not receive any fraud text as my E-SIM card was stolen, and chase allowed {$29000.00} to leave my account in hours. I called in to file a claim on all the fraudulent activity, to which Chase declined. First they said due to their being too many claims on one account they denied my refund. Then they said that because they found my card PIN they assume it was me and nothing can be done. I filed a police report the day after the incident and before I could finish explaining what happened the police officer already asked if I had XXXX XXXX XXXX also said there are thousands of cases like this, and that XXXX will not cooperate to find anyone. In an attempt to reopen Chases investigation I faxed in all the memos proving I was XXXX swapped, a copy of the police report, a hand written letter explaining what Im explaining here, and a letter from the detective attesting to what Im saying. They denied that as well. All I would like is for my money to be returned to me at any capacity.
Product: Checking or savings account

Dear Sir or Madam, I have been a loyal Capital One customer since about XXXX. I hold the following accounts with Capital one 1. CD 's 2. Checking 3. Savings 4. Money Market. 

All my accounts were closed Monday, XX/XX/XXXX via email stating the following. 

Well be closing your account ending in XXXX on XX/XX/XXXX, because principal owner ( s ) have past, present or pending legal action. 

Remember, when you opened your account, you agreed to the disclosures reserving our right to close it at any time, for any reason. 

Since were closing your account, youll need to : Stop writing checks from this account immediately. 
Re-direct any automatic debits and/or direct deposits. 

Also, you wont be able to open any new accounts in the future. 

You can close your account before XX/XX/XXXX if youd like. Otherwise, well close it and forward your money to a linked external account if you have one. If you dont have a linked account, youll receive a check in the mail within 10 business days from closing at the address we have for you on file. 

If you have any questions, please stop by a Capital One location, or give us a call at XXXX-XXXX-XXXX-XXXX ( XXXX-XXXX-XXXX-XXXX ) from XXXX XXXX. to XXXX XXXX. ET any day of the week. 

As a follow up I did call Capital One and after being shuttled from department to department was finally advised that Capital One has made a management decision to cease ANY/ALL business relationships with me and will be furnishing NO details on why they have come to making this decision. 

I do not have any outstanding legal or court cases and would much appreciate your help with getting the details on my account.
Product: Credit card or prepaid card

XXXX XXXX XXXX  XXXX sold my debt that I allegedly owed them. Now XXXX  XXXX XXXX is reporting on my consumer report that I owe them money. Under payment status on my consumer report the debt is marked Charge Off. A charge off means " a lender or creditor has written the account off as a loss, and the account is closed to future charges ''. Which means the company has wrote it off on their taxes as a loss & they technically got their money back on a tax break. Then turned around & sold it to the public which means they committed fraud & got double their money back!
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

in accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S Code 1681i ( 5 ) these accounts are violation of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX CHARGE OFF BUSINESS ACCOUNT OPEN XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX To Whom It May Concern, I am writing to formally file a complaint against Capital One Bank regarding a delay in processing my direct deposit. Beginning on XX/XX/year>, Capital One announced a technical disruption affecting direct deposits and other electronic transactions. While I understand that such issues may occur, the lack of transparency, resolution, and communication has caused significant financial harm. 

As of today, my direct deposit has not been credited to my account, resulting in the following impacts : I have been unable to make my insurance payment, risking potential cancellation of my coverage. 
I have missed my credit card payment, which may result in late fees and damage to my credit score. 
I have been unable to meet other financial obligations, causing significant stress and inconvenience. 

Despite contacting Capital One, I have not received a satisfactory explanation or timeline for when my deposit will be processed. Their generic notification about the disruption fails to address my individual situation or the severe consequences I am facing.
Product: Credit card

I purchased a Refrigerator from Lowe 's using their store credit card. The first one the delivered did not work, so I returned it and they sent another one, which also didn't work. I decided to purchase a different model and was told I'd be refunded for the first fridge. I was also told they would refund me XXXX dollars on the third fridge, but instead they sent me a gift card. The Lowe 's Synchrony credit card company is charging me for both fridges. I have filed a dispute, which was denied. I appealed that decision, also denied. They credit card people tell me the merchant ( Lowe 's ) has not provided them any documentation on the return and I have to call them. When I call Lowe 's, they tell me I have to deal with Synchrony. this has been going on since XX/XX/.
Product: Credit reporting or other personal consumer reports

XXXX Notorious bad practices manipulating information trying to sell me there XXXX credit monitoring XXXX providing/stating to correct such like the tell me I have late payments et ALL A XXXX XXXX  advertising no credit check preaproval credit cards etc then the pull a credit check anyway then deny stating bad previous bank relations as there trying to monopolise the banking system
Product: Credit card or prepaid card

I have been disputing several charges from XXXX that were charged to my Discover card starting in XX/XX/XXXX and XX/XX/XXXX. The charges are as follows : {$920.00} XX/XX/XXXX {$910.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$710.00} XX/XX/XXXX These charges I have been disputing since XX/XX/XXXX and again in XX/XX/XXXX and both time Discover has sided with Hotels.com. I then turned my attention directly with Hotels.com and received several emails from them saying they tried to refund my card but the hotel didn't authorize and then they also stated that I should take that issue up with my credit card company as they can't do anything further for me. The documents that XXXX submitted to Discover were print outs of the reservations one with a ales name that I am not associated with and the documents didn't have my signature. They also submitted a copy of my XXXX picture with documents to state that it was valid. It is not and I am sick and tired of this. I love my Discover card but this is wrong on many levels. I feel robbed. I am attaching the emails and also copies of charges that hotels.com made to another credit card without my authorization. I have had my personal information stolen previous to this and now I can't get this corrected. I shouldn't have to pay for anything that I didn't authorize. I have attached all my supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Student loan

Recently refinanced a XXXX loan with XXXX XXXX via the servicer LendKey. Due to the high cost of my student loan payments, I typically work with the loan servicers ( I 've had 2 different servicers prior ) to adjust the due date to the XXXX of each month. This helps me to spread large bills to different paychecks. <P/>I reached out via phone to LendKey in XXXX 2016 to change my automatic payments to the XXXX, and they refused. They accept payments only on the XXXX of each month. This can cause an undue burden on borrowers who rent ( among other examples ) because rent is typically due on the XXXX of the month. <P/>They had no substantive answer other than " The due date is at the discretion of the lender. '' LendKey is the first and only loan servicer I 've seen who refuses to grant this simple ( but impactful ) request.
Product: Debt collection

I have had this {$300.00} in collections on my credit report for over 4 years. 

I've attempted to contact the collections agency several times without any success. My last attempt was on XX/XX/20. I have yet to receive a response.
Product: Credit card

I transferred a balance in XXXX XXXX to Discover Card services with a promotional 0 % interest rate until XXXX XXXX. The card also gave me a 0 % interest on new purchases until XXXX XXXX. In my agreement it stated that all payments would be applied with the majority going to the promotion that had the higher interest rate or in the case that was the same the one that would expire first. They instead applied the majority of my payments to the balance transfer that is not due until XXXX XXXX paying it almost in full while the purchases have accrued to more than what the original balance transfer was. I have statements from the CC company showing this and my original agreement. Instead of my payments being equally distributed or majority going to the new purchases as described by Discover, they have forced me to either pay off the new purchases in the amount of $ XXXX by XXXX XXXX, XXXX and leave the original balance transfer that was under {$1300.00} that they have paid down to $ XXXX and was n't even due until XXXX XXXX. Very unethical practice to force me to pay 25 % interest on something I was paying on monthly so I would not have a large balance to pay off in XXXX XXXX. I find this practice deceiving and verging on deceitful to change a 0 % interest into 25 % interest. BEWARE of Discover!
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

This corporation called Accessity is refusing to give me a loan due to my credit report. 

I already told them they can not discriminate or deny me from any credit transaction pursuant to 15 CFR 1002.4. 

They denied me online first and that was it but I called to let them know my rights were being violated and then they said all they need was bank statements and that it would take XXXX weeks. 

The website shows that it takes XXXX days to be approved and receive funding so not only are they denying my rights they're lying. 


The woman I was speaking to that lied to me stopped responding after I sent more evidence that they are breaking the law and instead I received a message from someone who I dont ever remember speaking to. He didnt even get my name right.
Product: Credit reporting or other personal consumer reports

I am writing to report fraudulent accounts that have been added to my credit report, which I believe to be the result of identity theft. I have already disputed these accounts with the credit reporting agencies, but the fraudulent information remains unresolved, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating this matter and taking appropriate action to have these accounts removed. 

The following accounts are fraudulent and have been reported inaccurately on my credit report : Charge-Offs : XXXX  XXXX Account Number : XXXX Status : Charge-Off XXXX XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off Collections : XXXX. XXXX XXXX XXXX Status : Collection Account XXXX. XXXX XXXX XXXX Status : Collection Account XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Collection Account XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Collection Account Hard Inquiries : XXXX. XXXX XXXX XXXX XXXX : XX/XX/year> XXXX. XXXX XXXX XXXX : XX/XX/year> XXXX. XXXX XXXX XXXX : XX/XX/year> XXXX. XXXX  XXXX XXXX XXXX : XX/XX/year> Privacy : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Explanation of Fraud I have never authorized or opened any of these accounts. The information provided to the credit bureaus may have been obtained through fraudulent means or identity theft. Additionally, there are hard inquiries that I did not initiate, indicating that my personal information may have been used without my consent.

I have disputed these fraudulent accounts with Equifax, TransUnion, and Experian and have provided them with all required documentation to support my claim. However, these errors remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my XXXX XXXX credit card charge off. XXXX XXXX did not report the change. I filed a dispute with the credit bureaus asking they correct or delete the inaccurate information. XXXX XXXX verified inaccurate information and the credit bureaus are refusing to correct or remove the inaccurate information. If this is not corrected i will seek a consumer protection attorney to pursue legal action for violation of the FCRA.
Product: Debt collection

Portfolio Recovery continues to call my cell phone several times a day from different long distance phone numbers each day including Sundays. I explain that I 'm not able to make any arrangements at this time and they continue to push me about payments until I get upset and have to hang up the phone on them.