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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  XXXX XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They have late payments from kohls credit card for 30 day late But its wrong and account is paid in full Never been late. I call customer service and they remove later fees and refund them to me as payment they get from me not adding to my account correctly
Product: Credit card

Someone stole my credit information and proceeded to charge up my card to over the sum of XXXX XXXX And also used my account to set up pay it later is a monthly billing for products that you dont want to pay in total upfront. So she created several reoccurring charges on my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/29 my identity was stolen. There have been multiple accounts created with my personal information. Ive tried to close many of them but the cash app account created with a fraudulent number Also a company called XXXX XXXX. I know there was an account created with my information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX 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 state a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I contacted midland funding in reference to this account. I requested validation for this account I never received it. I also have no contract with XXXX XXXX for this alleged debt. I called them and the representative stated that she could n't speak with me because this account was marked that I had a social security lawyer. I advised her I never said I had a social security lawyer. She refused to speak with me concerning my request for validation. I never received anything from XXXX XXXX in regards to this account. This was a XXXX XXXX account and the information that I received from XXXX XXXX does n't have XXXX XXXX anywhere on it. I did n't find out about this being on my credit file until I check to see what was on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian, XXXX, XXXX Credit Bureau XXXX : Request for Removal of Repossession from Credit Report Dear Credit reporting Agency I hope this letter finds you well. I am writing to formally request the removal of an incorrect or outdated repossession listed on my credit report. 

The account in question is as follows : XXXX XXXX XXXX XXXX Upon reviewing my credit report, I noticed that this repossession is either inaccurate or no longer relevant, as [ explain briefly whye.g., the account was settled, the information is outdated, or it was reported incorrectly ]. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any items that are incomplete, inaccurate, or unverifiable. 

I respectfully request that you investigate this matter and remove the repossession from my credit report. Please notify me once the item has been corrected or deleted, and kindly provide me with an updated copy of my credit report. 

I have included supporting documentation to assist with your investigation. 
Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed items are reporting to my credit file held with Credit Bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX I dont know how they got my information and how they think that I owe this debt? This contract looks like electronic signature?? Where is the proof and eye witness on behalf of this debt? This is not my signature and did not sign that contract. Ive never lived at that address. I lived at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. During the time frames XXXX. This is fraud and then after almost 4 years I have this third party ( who I do not know ) Fair Collection Outsourcing reporting a bad debt against me I had to find out through my credit report. Never received a call or anything. Not only did these to companies put me in financial bind but these companies are ruining my credit! I cant even find any job find new rental property or buy a car for that matter because of this issue. I demand that this creditor to be removed off of my credit report. I dont owe you any money and you need to show me proof of your investigation. It shouldnt be the other way around.
Product: Credit card or prepaid card

1.I have never had an account with this company XXXX XXXX XXXX XXXX XXXX from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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Product: Credit card or prepaid card

The Children 's Place Credit card and Comenity Bank is violating my rights ( 15 usc 6802 a, b ) by checking my credit report on several occasions and decreasing my credit limit which cause late payments and interest fees on my account. They never sent out any adverse action letters to me to explain why they decreased my credit. They are currently reporting me as late to the credit bureau trying to make a hard inquiry on my credit report for an increase. I do not have access to my transaction history of my whole account and when I called to request the detailed history and my credit card number and the customer service rep XXXX # XXXX XXXX  XXXX XXXX told me I had to request it in writing. Why would I need to send a letter for my whole transaction history when I verified who I was and spoke with them regarding my account just to tell me I have to write a letter. They are refusing to give my credit card number over the phone to submit complaint. They didn't write a letter to me when they checked my credit several times without my knowledge. They refused to send me a new expedited card in mail after reporting it stolen. Also the dates the credit was decreased does not reflect the dates they removed the credit from me on my statements. They are defrauding people decreasing credit just to do a hard inquiry to give the credit back when they ask for an increase. I would not have to get another hard inquiry for an increase if they never took it away in the first place.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX  Chase sent me a text message to my phone telling me to call their XXXX number to verify some information to them before they close my account. I called at XXXX XXXX  and they didnt verify any information. They immediately told me that my account was closed. All because I disputed a transaction with them in the amount of XXXX from XXXX. They gave me a temporary credit of XXXX on XX/XX/XXXX and on XX/XX/XXXX XXXX they closed my account. They said they couldnt give me my money because it was due to a dispute. Even if it was because of a dispute its my money. Chase has reversed plenty of my provisional credits because they say I didnt send in supported documents for claims that Ive filed when in fact I have. Its just their word against mine. This decision that they made has caused me financial distress, hardship and homelessness. I have a XXXX XXXX XXXX XXXX and I need my money back. This is unfair and not right.
Product: Checking or savings account

XXXX  Check was written and placed in my mailbox made out to XXXX for {$35.00}. 
XXXX  Contacted Wells Fargo about check that was cashed and place in another account for {$4000.00}. 
I informed Wells Fargo that I did not write this check for this amount aor to be deposited in the account on the back of the check. There was no bank stamped on the back of the check. 
I was mailed an affidavit and filled it out and took it to the bank for notarization and delivery to their fraud department. It was not notarized. 
I received another letter for notarizations, filled it out and had it notarized and sent it back to them. 
The check has clearly been altered. The cleared bank name in not on the check. I called them and they can not give me the bank name that cleared the check. They said they would call me within 2 days. It has been 2 days. 
I would appreciate help in getting my money back. 
What statutes cover my banks obligation to refund my money which they have not done. 
Complaint # XXXX XXXX XXXX XXXX
Product: Mortgage

Please review attachments of new discovery. It is obviously that XXXX XXXX XXXX and Select Portfolio Servicing is working together. The first lie is that they are the originators of my mortgage loan Which is false, the original FHA mortgage loan was with XXXX XXXX XXXX XXXX on XXXX XXXX therefore they lied on the XXXX credit bureau report and XXXX and XXXX report, misrepresenting and falsifying balance, amount owe and fraud Loan modification, I have no knowledge about. How can Select Portfolio Servicing Flagg a loan modification on XXXX XXXX with XXXX? This is crazy, Im not sure if they changed or added a new account number because I had no knowledge of the above. Please, please investigate on what going on. Follow the money, I can guarantee those missing checks and funds was used for investments accounts funds for profit. I wanted to know who is holding the mortgage note? I really think you all need to check for yourself because they lied and said it was with some insurance and when I call they had no knowledge of what SPS stated on one of the  documents they sent to CFPB
Product: Credit reporting or other personal consumer reports

To resolve this fairly, I ask for the immediate removal and blocking of the unauthorized inquiry. The stress this has caused me is overwhelming, and I urgently need this corrected to regain my peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX ADDRESSES : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN NAME : XXXX A XXXX XXXXXXXX XXXX : XXXX AND XXXX XXXX XXXX KS XXXX ADDRESSES : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX : XXXX  XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX COLLECTIONS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KANSAS XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX COLLECTIONS : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTXXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

13. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

14. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

15. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 16. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Checking or savings account

I never agreed to open a savings account and magically I had one.
Product: Credit card

I have acccumulated over XXXX membership rewards points at American Express and when I went to redeem these to pay off my balance they told me I could only use reward points for charges that occurred in the most recent 60 days. 

This is disgraceful ... .had I known this I would not have used my American Express account. 
Other cc 's allow me to use points for however I see fit - for travel, merchandise or to use as Payment on my account. 

I want satisfaction and be able to use my hard earned points to pay off my balance
Product: Credit card or prepaid card

I have a Capital One credit card, that I make consistent ( early ) payments on, often 3 weeks early. I pay my bill as soon as I get my email. 
For 2 months ( XXXX and XXXX, 2021 ), I did not receive a bill. I got an email from XXXX, ( not from Capital One ) stating my bill was 2 months late. I immediately called Capital One to take care of this, and explained that I never received a bill, or an alert as the company calls it. They told me that it was my responsibility to log on to my account, and it was my responsibility to pay my bill on time. 
Why would anyone sign up for e-billing and be expected to remember to pay the bill, when one ( myself ) never received a bill. 
After multiple conversations, they told me my account had a spam block put on it, by my carrier, ( so they say ). In the months that this incident occurred, I have received all my other bills through email, just not Capital One. They never called me, in the 2 months, to let me know my payment was late. They never texted me. They made no attempt to get ahold of me. When I spoke to the IT person, they said Let me try something, and Ill email you. I responded that the reason Im calling is that the emails arent going through, as I hadnt received them in 2 months. They did something in their end, and then said, Its fixed now and the email came through to me. I am not an IT expert, but if something was done on their end to fix it, isnt it their responsibility to make sure it doesnt happen?

My credit score, because of this, has dropped 150 points, going from excellent to good.

I am very proud of my excellent credit score, and have worked very hard to have my excellent score.and to think that it could drop significantly in such a short time, due to Capital Ones error, is preposterous. They hold no accountability regarding this issue, and they state its all on me, to remember to pay my bill. Why do people sign up for alerts? To remind them to pay a bill. What happens when people dont get the alert to pay their bill? They dont pay it. 
If a tree falls in the forest, with no one around, would anyone hear it? 
If you dont get a bill, how are you expected to pay it? 
I want my credit score back, and I want the late payments taken off my credit history.