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

XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed unauthorized inquiries showing up on my credit report at each of the three major credit bureaus Reporting on XXXX XXXX  XXXX XXXX XX/XX/22 SXXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 Reporting on Equifax 1 XXXX XX/XX/22 2XXXX XXXX  XX/XX/22 3 XXXX XXXX XXXXXX/XX/22 I have not given permission for any of these creditors to pull my credit report and I believe I have been victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been breached and used to obtain credit without me knowing. Please help me get to bottom of this and bring these people to justice. I can not even get a car loan because of this. I have become victim of identity theft due to I believe a data breach please help me.
Product: Debt collection

Jefferson Capital is attempting to collect a debt from XXXX. The account with XXXX was closed in XXXX and no further activity was made on this account. I dont know who Jefferson Capitpl is or why they are reporting on my credit bureau but they have refused to provide any proof they own the loan. They will not provide a signed contract. Further, they are claiming this account was opened in XXXXXXXX XXXX XXXXXXXX. That is a lie. This account was closed by me when the furniture XXXX sent me was defective and they refused to fix the problem. No further contact was made, with XXXX or Jefferson Capitol after XXXX. They are claiming this account is still open and are stating it opened in XXXX of XXXX. I would like to see written proof of this. I would like to see the contract and proof of purchase from XXXX of XXXX along with the signed contract, also dated XXXX of XXXX. They wont be able to provide any of this because it doesnt exist. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found inquiries on my report that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. Please remove ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

At the beginning of XX/XX/XXXX I had a " jump on demand plan '' with XXXX, which enable me to switch devices every 3-4 months. In XX/XX/XXXX, XXXX decided to switch my plan from personal to business, an so, the made me exchange my phone for a new one, but the exact same model, because of my new " type of account ''. Theere days after they told that I received a new XXXX phone on the mail. I returned my old phone one week after the new one arrived at a XXXX store in Illinois. Everything returned, XXXX balance and closed account. Right? Well ... apparently no ... 9 months later, checking my credit scores I'm noticed that XXXX and XXXX are showing that account on collection. I called several times XXXX and they keep saying the same : that account is closed, and that my new account it is in good standing. 
I tried to dispute this on their sites without luck. Apparently, if you don't have a paid subscription, you can't dispute incorrect information fairly. Although XXXX  is offering to call them to open the dispute, XXXX doesn't even have that option at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX PAID OFF AND CLOSED. 
PAYOFF PROOF ATTACHED AND SENT 3 TIMES, HOWEVER DEBT OBLIGATION STILL REPORTING ADVERSELY AFFECTING DEBT TO INCOME RATIO.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach and I have charges and inquiries that I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent my first letter to the credit bureaus. I have sent several letter since then. I have not received a response on behalf of my complaint. XXXX XXXX is inaccurately reporting on my credit file. The past due amount is incorrect, the date of last active is incorrect and the date of last payment is incorrect. This is a violation. I have been very patient and now ready to move forward with this complaint.
Product: Mortgage

On XX/XX/2018, I closed on a new home in the Maryland area with Quicken Loans. The closing was originally scheduled for XX/XX/XXXX but was pushed back for Friday XX/XX/XXXX .To my surprise during the signing of the documents I was shocked to learn that my first payment would be due in XXXX. I called the gentleman who had helped me throughout the process about this and he apologized stating that " the person servicing the loan, never changed the date and unfortunately it was an oversight ''. That was the 1st issue. 
At the same time I was on the phone with the Quicken Loan rep trying to see if this could be resolved I signed the paperwork, only to realize that he included ESCROW on my monthly payment WITHOUT DISCUSSING THIS WITH ME! I put 20 % down and my credit score is XXXX, why would they automatically apply that to my monthly balance and not give me the option to pay for it separately?! I called, spoke with too many uninterested and frankly unhelpful investigators at Quicken Loan whose sole purpose is to protect the organization against admitting any liability. That was the 2nd major issue. 
In XX/XX/2018 ( 3rd month in the loan ) I receive a letter stating that there is a manual disbursement on my property tax and that now I OWE QUICKEN LOANS over {$5000.00} which will be applied to my mortgage! I called and spoke to another investigator and questioned them how could this happen. I signed mortgage documents less than 3 months ago agreeing to pay {$2800.00} and now you they are trying to force me to pay {$3300.00}. As they naturally did, the investigators provided no solution and they stated that it was not their responsibility. That is the 3rd and FINAL ISSUE.

I am just one person and do not have access to the same resources that Quicken Loans has, however make no mistake, THERE IS RIGHT WAY to do things AND THERE IS WRONG way to do things. These issues could have been rectified in private if they showed a willingness to take responsibility and act accordingly, they didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$530.00} There is no valid claim, no contracts exist ... account was settled with original creditor and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) (  A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Checking or savings account

On Thursday XX/XX/XXXX, I sent a check worth XXXX to BBVAs check deposit address. My bank is Simple which is serviced by BBVA USA. On Monday, XX/XX/XXXX, I found a pending deposit of XXXX on my account. I initially thought this was a placeholder amount. On Wednesday, XX/XX/XXXX, the deposit posted for XXXX and I contacted them multiple times to rectify this error. I have only been told that it could be many days before resolution. 

This money is time sensitive. I will be default on contracts that may cost me thousands because of this error.
Product: Credit card

American Express Credit Card failed to counter fraudulent activities against Merchant XXXX in Dispute Case XXXX. 

A home rental provider on XXXX XXXX abused consumer terms and services, and XXXX XXXX failed to resolve my dispute. I filed the case with American Express under XXXX, and American Express was unable to offer a fair resolution either. 

Case background : XXXX host coerced me for early check-out as a result of my family emergency, and she confirmed that she would refund the remaining days of my monthly stay under the condition that someone had booked the rest of the period. I checked in on XX/XX/XXXX and originally planned to leave on XX/XX/XXXX but had early checked out on XX/XX/XXXX, under her verbal agreements. Someone booked a monthly stay from XX/XX/XXXX to XX/XX/XXXX, and therefore Ive effectively occupied the room for 6 days from XX/XX/XXXX to XX/XX/XXXX, and Im requesting a pro-rated refund for my original purchase of XXXX. XXXX host denied the request, despite she had verbally agreed to the new terms of partial refunds.
Product: Credit reporting or other personal consumer reports

I AM WRITING IN REGARDS TO THE INACCURATE INVALIDATED ACCOUNTS REPORTING TO MY CONSUMER REPORT, I HAVE SENT DISPUTES IN THE MATTER BUT THE CREDIT BUREAU IN QUESTION DIDNT EVEN NOTIFY ME THAT THEY RECIEVED MY DISPUTES XXXX SENT THEM CERTIFIED IN WHICH THEY DEFINITLY RECIEVED THEM. UNDER 15 USC 1681i ( 5 ) REMOVAL OF INACCURATE INVALIDATED CREDIT INFORMATION ALSO THIS INFORMATION NEEDS TO BE REMOVED UNDER 15 USC 1681e ( b ) COMPLIANCE PROCEDURES MAXIMUM POSSIBLE ACCURACY.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

The debt owed was from my brother who passed away XX/XX/2018 and I told XXXX  XXXX that there was no estate. They told me the situation was closed and that a LETTER would be sent to me stating so but instead I received a bill today XX/XX/18 for my deceased brothers debt in my name. They can say what they want but this is a bill not just a letter like they said on the phone. Now I have to go hire a lawyer to make sure that they did not put it on my credit report like the reviews have said they done to other people. What they sent is clearly not just a letter like they said but a bill with my name listed. I have already made contact with XXXX law firm who is also handling other lawsuits against XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My information has been exposed and a data breach. I have contacted Experian and Equifax in the pass and they will not take off any items that I have paid off or do not recog

nize. Trans-Union is the only agency that will take items off that I do not recognize. I am aware that there are several more credit reporting agencies and I want them to remove all items off their reports.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX 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 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My wife and I had applied for American Express. We received those cards and pay about {$500.00} a year for the card.. While using one of the cards a Platinum card we were sold all the benfits of using an AMEX card that you could use to earn rewards and points but using these points was very difficult and at times inaccessible especially when AMEX for no good reason suspended charging because their system says it needs to be reviewed. 

We switched everything over to AMEX including auto pay and then when we had available credit AMEX then cut off the card in the middle of travel and said that it needed financial review. Financial review that started on a Sunday. We completed the financial review and they lifted the suspension. The first time. 

We had never had a late payment. On the charge card Platinum my wife was the responsible party. AMEX continued to tell me I was not finacially liable. 

But today on my XXXX XXXX card they suspended my card because of another account for the Companyu I worked for styating because of my association with " other cards '' that they had to complete financial review and suspended my persdonal card because of the Company card not being paid correctly. My available credit showed I had enough spending to continue to use the card but it was suspended, and I was adivsed this on a Sunday today. 

Now AMEX said that my card was suspended because of my association with another card not in my name but by the Company I worked for now holding me responsible from my XXXX XXXX XXXX XXXX for a card I am not responsible for. 

AMEX has continually suspended charges when there was no reason to do so and has done this to me numerous times while traveling leaving me in a lurch and causing significant expenditure of time and delay in completing travel. 

Also having to go to over 20 autopays that were loaded using the card has now jeopardized my payments to other creditors since I used the AMEX as an autopay item. 

They sell you in their marketing how easy it is to use AMEX and how helpful they are but all this hype is nonsense and I have never been treated like this by any other card issuer. 

I have been a member of AMEX since 2006 and it means nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are consulting an attorney about the problem and this is a general complaint that we suggest something be done to stop " shopping ' for the best kick-back from Finance Charges. 
When a customer signs a Credit Application, it gives the Dealer free rein to make numerous Hard Inquiries about the Customer 's Credit. This will drop the individual 's ( Customer ) Credit Rating Points by 15 to 20 points for EACH call. It is like blaming the victim for the crime.

Why does the Car Dealer do this? They are " shopping '' the deal to see which Lender will give the most kick-back on Finance Charges. About 5 years ago, my personal Credit Score was in the Excellent category at over 795 poin
ts. A Dealer without authorization ( signed Credit Application ) made 5 calls, shopping my purchase ability. This was despite the fact that I told the Dealer I had my own finance. These 5 calls dropped my score to just over 700. It tooks YEARS to get the score back up to XXXX and now another Dealer decided, without authorization to " shop '' my credit has dropped the score to XXXX the Fair category.

Something must be done to stop ruining Credit Ratings as the Dealer shops for an increase in kick-back.
Product: Debt collection

Wonder if cooling and winter can still collect on debts from XXXX debts that they not own or got to legally go back court for each debt judgement because the judge did not sign there company that judgement or debt or that they have rights to collect and if do collect unfairly should consumer be refunded to. Amount of payments as restitution
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Subject : Dispute of Inaccurate Information & Request for 1099-C Dear Sir/Madam, I am writing to formally dispute the inaccurate information that you have reported to the credit bureaus regarding my account [ XXXX XXXX XXXX XXXX XXXX  ]. I recently reviewed my credit reports from the three major credit reporting agenciesEquifax, XXXX, and XXXX I noticed discrepancies regarding this account. Such as it being reported with different balances and charge off amounts .According to the reports, the debt associated with this account is still being reflected in a manner that is not accurate or reflective of the true status of the debt. 

Furthermore, I am requesting that you issue a 1099-C ( Cancellation of Debt ) form for this account, as the debt has been written off, and I am entitled to receive this document for tax purposes under Internal Revenue Code Section 6050P. Based on the nature of the account being written off and settled, I believe I am entitled to receive this form. 

Please note that under the Fair Credit Reporting Act ( FCRA ), you are obligated to report accurate and complete information to the credit bureaus. I ask that you correct the inaccurate details with all three reporting agencies immediately, or provide a written explanation for why this information can not be corrected. 

In addition, I am requesting that you provide clear and detailed documentation confirming that this debt has indeed been discharged or written off, as required by the Fair Debt Collection Practices Act ( FDCPA ). I believe I should no longer be held liable for this debt, and your refusal to provide accurate reporting, as well as the 1099-C form, may be in violation of both the FCRA and FDCPA. 

If you fail to provide the requested documentation or continue to report inaccurate information, I will consider further actions to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I may pursue legal remedies as provided by the laws governing credit reporting and debt collection. 

Please respond within 30 days of receipt of this letter with an explanation of how you plan to resolve this matter. 

Thank you for your immediate attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

I endorsed MY dividend not to myself but rather to SYNCHRONY BANK. I've attached MY endorsed dividend along with a letters from SYNCHRONY, denying my bond ; HOWEVER, MY BOND WAS NOT RETURNED TO ME. 

SYNCHRONY must defend this denial claim given LEGISLATIVE CONGRESSIONAL RECORD-HOUSE, page XXXX, XX/XX/XXXX, Title IV which outlines Sec. 401, the sixth paragraph of section 18 of the Federal Reserve Act : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, BILLS OF EXCHANGE or bankers acceptances acquired under the provisions of this act ; when such circulating notes are issued against the security of obligations of the United States the amount of such circulating notes shall be equal to the face value of the direct obligations of the United States so deposited as security : and, when issued against the security notes, drafts, bills of exchange, and bankers ' acceptances acquired under the provisions of this act ; SHALL BE REDEEMABLE IN LAWFUL MONEY of the United States on presentation at the United States Treasury or at the bank of issue. ''
Product: Checking or savings account

Deceptive Practices regarding receiving my direct deposit payroll on my prepaid debit cards My direct deposit 's always post to my accounts every two weeks on a Friday per my alerts from netspend. I have a copy of my job payroll disbursement schedule. My pay was released on XX/XX/XXXX, everyone in my office received their pay on Saturday, XX/XX/XXXX.

Netspend is supposed to give consumers immediate access to their money, ppayroll direct deposit 's once it enter into your accounts. 
NetSpend Corporation promised consumers immediate access to their funds with no holds, no waiting, representations deceptive. 

Immediate access? Not so fast, alleges the FTC. NetSpends ads were replete with claims like No Waiting! and Use your card immediately.

The upshot? People who loaded funds onto NetSpend cards often had to wait and wait and wait to access their own hard-earned money. The FTC says those delays resulted in severe financial hardship to consumers, including evictions, repossessed cars, and late fees on bills. 

NetSpends business practices were at odds with its marketing claims. cards, failed to live up to that promise. Netspend use XXXX to deposit funds into customers accounts. I 've called Netspend 5 times already, XX/XX/XXXX. 

I attached my employer payroll disbursement schedule.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for-and purpose.
Product: Credit reporting or other personal consumer reports

" I identified an inaccurate, unverifiable, or outdated item on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). Despite my previous attempts to dispute this directly with the credit bureau and furnishers, they have failed to comply with FCRA-mandated obligations, including providing proper documentation to substantiate the validity of the account. Instead, I have received generic responses or no response at all. This failure constitutes a breach of my consumer rights. These inaccuracies are causing unnecessary harm to my creditworthiness and financial standing. ''