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

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Checking or savings account

I deposited a check for {$1900.00} on Friday XX/XX/XXXX at XXXX XXXX from a business whom I XXXX  for for XXXX years. Ive never had an issue with any of the over XXXX checks Ive deposited from them. As soon as I made the deposit a notice that {$250.00} would be available the next day and the rest would be available on the XXXX! 
The {$250.00} was never released leaving me without cash for the week. I had a friend XXXX me {$20.00} for lunch on Tues the XXXX, the money showed as available in my app, when I attempted to purchase lunch it was declined, multiple times. I call and speak to XXXX in Maryland at XXXX XXXX and informed her of my situation she claims to be a supervisor when I asked for one. She said there is nothing she can do, and Ill have to go without lunch today. The earliest she could process the check was Wednesday morning the XXXX. So in the evening around XXXX on Tuesday I call Discover and ask that they cancel the check so I can cash it at the bank from which it was issued the next day. They said they cant because its already been processed furthermore I check my app and miraculously the {$20.00} I needed for lunch is now available. This is not how you treat a client. Making false and/or contradictory statements. I live check to check and leave it to them Ill be scrambling to XXXX shop for my family 5 days before XXXX. Its aweful the way that they treat people and they deserve to be penalized if only by being exposed. Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, Equifax and XXXX to speak to a supervisor regarding my hard inquiries which are reporting inaccurately I have 6 hard inquiries from auto loan lenders reflecting on my XXXX credit report on XX/XX/XXXX of XXXX from a new vehicle purchase I made their should only be one inquiry for that vehicle purchase reflecting on my XXXX credit report not 6 and on XX/XX/XXXX of XXXX I have 3 inquiries reflecting on my XXXX credit report from another vehicle purchase I made which I should only have 1 inquiry reflecting from that encounter aswell the same goes for my equifax and XXXX credit report the credit bureaus wont anything about it I was told to reach out to the lenders and request a letter of deletion but I already did that and the lenders will not grant me that letter of deletion the lenders are saying its the credit bureaus I need to contact Im tired of the run around my credit report shouldnt be reflecting multiple inquiries on from the same transaction within 14 days I want these inquiries removed
Product: Credit card or prepaid card

I have a Capital One XXXX XXXX credit card through which they promoted their capital one travel. On their site, they say " If you made your booking within the past 24 hours, you may still be eligible to cancel your booking without a penalty '' On XX/XX/XXXX, my husband called capital one travel and spoke with an agent who confirmed clearly that we can cancel within 24 hours with no fee. While booking they did not mention about any cancel fee So, on XX/XX/XXXX, we went ahead and booked 3 tickets from XXXX to XXXX for a total of XXXX ( {$120.00} per person ) and after booking they showed me the cancel terms of {$66.00} per person. 
Capital one travel record locator : XXXX I immediately called Capital one travel and asked them to cancel and give me a full refund. One agent told me that the 24 hour free cancellation does not apply for international flights.If yes, why did not mention clearly on their website. A second agent told me he would open a ticket and listen to the tapes from XX/XX/XXXX and then issue me a refund within 48 hours if what I said is true.

I did not get a callback in 48 hours. So I called them back on XX/XX/XXXX evening and the agent did not help. He asked me to call the airlines directly regarding cancellation. 
With no other option and due to tentative trip and the risk of losing all my money, I cancelled and got charged a fee of {$190.00} ( {$66.00} for each person ). Capital One is deceptive on their website regarding the cancellation policy. Further their own agent told me on XX/XX/XXXX that I can cancel within 24 hours. So, I request Capital One to give me a full refund of the {$190.00} cancellation charges. 

Capital One travel record locator is :
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit profile and noticed that there many accounts that I don't recognize nor did I authorize many of these companies to run my credit. I placed a fraud alert as I believe someone is using my identity. Please remove them immediately. Thank you.
Product: Vehicle loan or lease

XX/XX/2023 at approximately XXXX XXXX  I called Truist Bank in regards to my repossession and my options. 
I spoke with XXXX ID : XXXX XXXX advised that a certified letter of right to cure was sent. I received no notice from he postman that a signature was required to receive my certified letter leading me to believe one was not sent. I requested my payment history, copy of right to cure letter, copy of contract and the payoff quote. I also requested to speak to a supervisor and was immediately told none were available. I was not given the option to hold to see if one was available. I was told they were all on another call and it would be at least an hour before that call was over. I requested to hold until a supervisor was available and was denied the right to hold. I was told I would receive a call back when the hour phone call they were on ended. I have the past due amount plus the repo fee but they're refusing to accept it unless I give them {$5700.00}
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. 3 CREDIT BUREAUS are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$5700.00}
Product: Checking or savings account

I opened an American express rewards checking account on XX/XX/2023 with the promotion direct deposit XXXX and more get XXXX. I completed the direct deposit requirement on XX/XX/2023. Until now I still haven't received the bonus. The terms clearly mentioned if you are American express business checking account customers, you are not qualified ; if you have an existing rewards checking account, you are not qualified. By checking upon my status, I didn't fall into these 2 categories and therefore I am qualified for the bonus. I have also attached the snapshot of the webpage where I applied for this account. It has the information that I mentioned above. And that is the only information provided from American Express when everyone applies for this rewards account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the fair credit reporting act this creditor has violated my rights u see 15usc1681 section602 states I have a right to privacy 15usc1681 sec 604 a sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under an open an consumer plan as late for any purpose XXXX  XXXX XXXX XXXX XXXX XXXX an XXXX XXXX I am trying to get corrected
Product: Student loan

In XX/XX/XXXX I entered a repayment plan with Pioneer Credit Recovery , Inc. who told me they were acting on behalf of the Missouri Department of Higher Education. The terms were to automatically withdraw {$65.00} per month from my checking account for 12 months, then I was told the loan would be in good standing and could be available for a lower interest rate. I made all twelve payments, then apparently my loan was transferred to XXXX. With the holidays I did n't realize that they stop deducting the payments so I reached out to Pioneer - all they would tell me is that XXXX was my new servicer and I should contact them. When I contacted XXXX they stated my loan was back in default status and that they had been trying to contact me, although I had received no mail or voice messages. Although I was extremely frustrated I agreed to start the entire process over with XXXX, however this time they were asking me to make a monthly payment of $ XXXX+ per month. I was working part time and had no way to pay that amount so they had me fill out all this paperwork. We submitted the paper work they requested, but we did n't hear back from them. We began calling every week - next thing we knew our tax return income had been confiscated by them without our knowledge or permission. We finally got someone to speak with and they only suggested that we file innocent spouse documentation - but what was really amazing is that they loan was still considered to be in default even though they just applied {$1800.00}. to the balance. I filed a formal compliant with Missouri Department of Higher Education on XX/XX/XXXX and had no response. Now my loan has been transferred to XXXX XXXX XXXX with an additional {$660.00} in Collection Cost/Charges and {$100.00}. of interest. I keep trying to resolve this matter, but only end up running in circles!! I have offered to pay {$150.00} twice a month, but XXXX states I will yet again have to complete a load of paperwork before they can tell me IF they will accept this money, all the while my loan continues to accrue more interest and fees. This is absurd and should be against the law. I want to know what the CFPB will do for me? What other information do you need from me to help me resolve this issue? I have never intended to not pay, but now they wo n't accept what I can pay and continue to charge me additional fees, making the total out of my reach. Please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy cases, I have three bankruptcy cases still showing on my Equifax, XXXX  reports, to where's transunion have removed all three cases, so my complaint is bankruptcy cases does not report monthly therefore they should not be on my report as a status, have the reporting companies investigate this as a complaint matter.
Product: Checking or savings account

someone stole my identity and hacked my old accounts. XXXX, XXXX, ect. sent me XXXX, demanded money, i dont know how to address this situation ...... 

all for me to open he chime app and download it on my phone which i did then i an enable the two way authenticator and they stole my identity that way my passwords everything. 

i dont know who this person was. 

but chime might.. i have a gmail account linking me to this person. i will attach it here. 

i spoke to chime today on XX/XX/2021 at XXXX XXXX  and informed them that i was XXXX XXXX XXXX and wanted this account closed and that i was a victim of identity theft scams and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2021 XXXX XXXX Inquiry date : XX/XX/2021 Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.
Product: Money transfer, virtual currency, or money service

I have a secured account through XXXX the checks are secured good already pre posted and cleared, when I cash one at the bank or do a mobile deposit it is an immediate to one day credit deposit. Since banking with Wells Fargo I deposited two of these kind of checks # XXXX dated XX/XX/year> for {$400.00} & check # XXXX dated XX/XX/year> for $ XXXX Wells Fargo placed a hold on both checks that had already cleared then sent me emails stating returned, I never received the money in my account! There is other large deposits transfers from my cash app blessing accounts that do not reflect in my balance at Wells Fargo and the bankers never mention it to me. When I inquired the banker claimed to not know anything about the deposits. I have all the proof of the deposits posting and clearing on my end, attached is just one page of them there's more!
Product: Credit reporting or other personal consumer reports

XXXX XXXX is trying to further delay providing me any remedy for the letters I have been sending to get them to verify and validate an alleged debt legally. Now to add insult to injury they are stating that there is a third party involved with no evidence to support their claim and closed my CFPB complaint. How do they have authorization without verifying that claim? For the record ... .no third party is assisting me as I have to affirm when I'm filling out the form here on the website. Submitting this to affirm that they have received all my verifying documents- notarized and under penalty of perjury.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I HAVE WRITTEN COMPLAINTS AND REQUESTS FOR BOTH OF THESE ACCOUNTS TO BE REMOVED FROM ALL RECORDS DUE TO IDENTITY THEFT!!!! THEY FAILED TO COMPLY AND I EXPLAINED THAT I HAVE NO PHONE, ETC!!! THEY DO NOT CARE ABOUT BEING SUED, ETC!!! I AM UNABLE TO WORK DUE TO THE STRESS OF THIS SITUATION AND I AM SICK OF BEING BROKE AND LIVING ON THE STREETS WITH NOTHING OR NO ONE!!! FIX THIS NOW!
Product: Credit reporting or other personal consumer reports

Hired Credit Repair company to dispute inaccuracies for 2 fraud accounts XXXX and XXXX ; At the time ( 2022 ) the accounts were reporting XXXX to all 3 bureaus and XXXX was reporting only to XXXX ; Both of these were found to be inaccurate and were successfully deleted from all 3 bureaus ; however, 1 year later, BOTH accounts were allowed to be added back to XXXX and XXXX by yet ANOTHER collection company-JEFFERSON CAPITAL SYSTEM
Product: Credit reporting or other personal consumer reports

this company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. Failure to respond back to me and provide information. This inaccurate information has tarnish my life into pieces
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 criminal reports, both listed as misdemeanors, however, they are not representative of any activity that I was involved in. 

1 ) Case # XXXX, File Date : XX/XX/XXXX, XXXX Date : XX/XX/XXXX. This is from XXXX XXXX, MD XXXX ) Case # XXXX, File Date : XX/XX/XXXX, Disposition Date : XX/XX/XXXX. This is from XXXX XXXX, MD
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the following account that appears exclusively on my Experian credit report and not on the reports from the other XXXX credit bureaus. This discrepancy is a clear indication that the information is not valid and constitutes inaccurate reporting.
Product: Debt collection

The IRS reported my info hacked in XXXX. 
I looked at my credit report on XXXX and saw a collection notice for a XXXX account I never had. I disputed it and it was removed. 
Now I have received a letter and phone calls from this outfit Afni, Inc. of XXXX, IL. Evidently this is the standard operation from the number of complaints I quickly found.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra and hippa violation inaccurate information sent the po report to them with the case number with XXXX XXXX  equifax and XXXX taking more than 30 days to resolve my issue
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for any transactions reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am natural living person, consumer ; I am submitting this complaint myself. There is no third party involved in this complaint. Experian has violated me numerous times under the Fair Credit Reporting act.

Pursuant to 15 USC 1681 a ( 1 ), EXPERIAN is impairing me because the banking system needs me. EXPERIAN reporting inaccurate and unfair reports under my name does injustice to me because the banking system needs me. This needs to be fixed in order for me to continue doing business with EXPERIAN.

Pursuant to 15 USC 1681 a ( 3 ), EXPERIAN has assumed the position in assembling consumer credit. You assumed this role, no government gave it to you. This role that you assumed has negatively impacted my life, you put a freeze on my consumer reports resulting in a halt of me NOT receiving credit cards that I qualify for. Experian is not a bureau and took on the role as one, all while violating my privacy which is a violation. You have caused me so much XXXX, severe hardship, and XXXX. 

Pursuant to 15 USC 1681 a ( 4 ), EXPERIAN has failed to uphold their grave responsibilities of reporting accurate and fair Information about me on their website. There are multiple names on my account, that are not me. Also their are multiple addresses on my account that do not belong to me. 

Experian took it upon themselves to freeze my account without my written or oral consent, resulting in the me not receiving a credit card from XXXX XXXXXXXX. I have been unable to get a credit card, which will be for the use of personal, and house hold purposes. You have impeded this for me, which is unacceptable and inexcusable. 

You also infringed upon my right to privacy by having a conversation with a third party, and reported the information as a result from that third party. I am demanding that all information regarding ALL accounts being reported, to report as " paid on time/paid ''. I am demanding that all inquiries past, present, and future be removed immediately from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit by several companies due to Equifax repeatedly placing XXXX XXXX XXXX XXXX  acct . ending in # XXXX back on my credit report. The account was flagged for fraud by XXXX XXXX XXXX . They closed the account an issued me a new card ending in # XXXX. I have sent all the bureaus copies of the correspondence from XXXX XXXX XXXX where they acknowledge the fraud. XXXX XXXX  XXXX have even requested the information be updated in the Equifax system . Again I have repeatedly been denied credit due to this issue, which is causing catastrophic issues and increasing my debt load because I can not refinance any of my existing debt. 

I have been attempting to have this information removed since XX/XX/2022.
Product: Credit card or prepaid card

Target called me XX/XX/22 to report a card opened in my name, on-line on XX/XX/22. They are investigating and suggested I report to the FTC, whose site directed me here ( CFPB ). I did not request the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an offer in mail about a credit card loan consolidation offer. They had my outstanding balance and average credit card percentage listed. The offer listed a offer for a lower rate along with my propossed new monthly payment should I accept the offer. The proposed new montly payment was much lower.