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

I am disputing this company because they are negatively reporting on my credit report and the account is supposed to be closed. 

I used their financial service to buy a puppy and in there contract it clearly states if the animal is lost, stolen or dies before contract is paid in full, the contract would be terminated and closed at the point if they were notified. I have written this company several times letting them know the animal was lost/stolen from my backyard and this contract should be closed and they are still reporting negative to reporting agencies. This is a breach of their own contract that they sent me and wrote themselves. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. with that being said since company is negatively reporting false money owed and in breach of contract, I am forced to take Legal Remedy for a Breach of Contract. You have 30days to close the account and remove all negative remarks from my credit report and mark account as closed or due to my Rights Under the Fair Credit Reporting Act, I shall start issuing FCRA Violations of {$1000.00} per violation and {$5000.00} for Punitive damages and Actual Damages for harm that has been caused to my credit report, and stress it has put on me financially. Please be advise if not removed I also will be adding in Attorney fees and court costs and since this is a breach of term clearly stated in contract we also will demand a full refund be issued for monies paid and want account closed immediately with XXXX balance and no negative remarks.
Product: Mortgage

My parents and I attempted to REFI my home with Wells Fargo to do a couple of things. We needed to pay off an existing HELOC on the property which is in my grandfathers name and to pay off some credit card and auto loan debt. Things were going fine from what we could tell. Then our mortgage processor contacted us requiring closure of all credit cards and confirmation of such. My parents closed all of their accounts as requested before I could stop them. Only AFTER the cards were closed did the processor contact them and say not to do it. Then Wells Fargo proceeded to back out of the loan. This has caused significant financial hardship for my parents. When we contacted Wells, they did an internal investigation and concluded that they did nothing wrong. But their actions have negatively affected my parents financial situation as well as their FICO scores. They are now refusing to work with us on resolving this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the following inquiries removed from my credit report. I do not have knowledge of allowing them to check my credit.
XXXX Creditor Name/date of inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX Equifax Creditor Name/Inquiry Date XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Creditor/date of inquiry XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had some late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXXPlease investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me in writing 5days prior. I was not notified. As the original creditor only I can validate the debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. 

1. Account concerning XXXXXXXX XXXX XXXX and. 
2. Account concerning XXXX XXXX XXXX XXXX XXXX. 

The reporting of these accounts is/are violation of 15 USC 1681 And The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( b ).

Under Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as and card used to extend credit, like Social Security Card or Driver 's License Card. Any authorization or approval of a specific extension of my credit directly or indirectly by the issue of the card is unlimited and backed by the full Faith and Credit of the United States Government per House Joint Resolution 192 48, 48, 112 and public law 73-10. The Government claims any and ALL debt and promises to pay Principle and interest dollar for dollar. 

After requesting a authentic record of account, proof of claim and right to collect also proof of consent to use or share personal information. 

I also realize I have the right to remove negative information from my report and have stated already that they don't have my consent and my Fee schedule for damages and copyright infringement could be found on my XXXX XXXX.
Product: Checking or savings account

To whom it may concern.. 
My name is XXXX XXXX and I am a victim of identity theft. As a result of XXXX XXXX XXXX data breach which occurred in late XX/XX/XXXX, my personal information, including SSN, were compromised and fraudulent access was gained to my JP Morgan Chase bank account. In additional to other fraud with this checking account which has been resolved, {$30000.00} was taken from my bank account. I notified JPM Chase within a week of the fraud but they are saying that, because I did not close and reopen the checking account after my previous existing account fraud, they are refusing to refund the money stolen from my account. This is not something I was ever told to do and, honestly, seems like a protective measure they should have proactively done for me in the first place to prevent further fraud. I have requested they listen to the calls to see whether I was even told to do this but do not know whether they are doing this for me. Furthermore, they are stating the $ XXXX was taken out more than 60 days after the time the previous fraud was reported to them but, from my perspective, these are separate incidents with separate time frames. 
We have followed the proper procedures in disputing with JPM Chase bank and they have been unhelpful thus far. I have spent countless hours, fruitlessly, attempting to retrieve my money that they allowed to be stolen. I have sought the assistance of Detective XXXX XXXX at XXXX Police Department in New Jersey, who said he would subpoena the phone and ticket records from Chase, but he has not returned any of my multiple attempts for follow up. 
Below are the series of events : XX/XX/XXXX First unresolved fraudulent charges withdrawn from my Checking account XX/XX/XXXX Identified the fraudulent charges and notified JPM Chase XX/XX/XXXX Received the official claim forms from Chase. Signed and dated the same day and faxed back to Chase XX/XX/XXXX Received first letter from Chase bank denying the claim XXXX I called Chase to reconsider the denied claim. They said they would reconsider. 
XX/XX/XXXX Received another letter from Chase saying the disputed transactions would remain on the account and the claim was denied. 
Between then and now I have spoken to Chase many times without resolution Because JPM Chase bank is not following their own regulations for fraud resolution for money taken from an existing account, and my local police have been unhelpful so far I am seeking assistance from your organization.
Product: Student loan

I am the cosigner on a loan and receive statements from Discover Student Loans. I did the math on a recent statement and found that the actual interest rete being assessed was 10.768 % while the statement had an interest rate of 8.365 % listed. Also the information that is given to the student that is paying the loan back is different than the information given to me and the effective interest rate is higher than the published rate on that statement as well Can they get away with this deception?
Product: Credit reporting or other personal consumer reports

A fraudulent item that I have never benefited from still appears on my credit report, despite being deleted by both XXXX and XXXX. Yet, you continue to report this false and fraudulent information, which is not only inaccurate but also deeply insulting. This situation feels like a defamation of my character, and its causing me significant stress and anxiety, knowing my rights as a consumer are being blatantly violated. I have already reported this matter to the Federal Trade Commission, but unfortunately, the issue remains unresolved, and this fraudulent account still lingers on my report.
Product: Mortgage

Recently received calls from BB & T telling us that there are modification options available to us. We have submitted a complete modification package for review two times but have not received a confirmation of recept. According to the Bank 's lawyer nothing has been received. So we asked her for her fax number to send her a copy to see along with our prior fax confirmation records. The fax that she gave us would not accept our fax, we tried numerous times ( sent bank 's lawyer record of failed fax transmission ), so we sent her the documents via XXXX. She claimed she could mot see the Application in XXXX. So we asked for a second fax number as there was something wrong with the first, she then reveals that she gave us the wrong fax number. So we faxed off the application for about the seventh time for the day and asked for confirmation of receipt which she has not done. Nevertheless she has set a court hearing to ask the court for a sales date with full knowledge that a completed modification application has been submitted for review and she was in receipt of a copy for yourself to see.
Product: Debt collection

I do not owe any past due bills. Why do they keep calling me?
Product: Prepaid card

I was given an American Express gift card as a gift. It has about {$100.00}. I tried using it in various stores and even tired adding it to apple wallet. After various attempts I tried calling customer service. They asked for my card number which I gave however they only hung up on me. I need this money to buy some important things that I need it isnt just to merely spend the money and it is beyond frustrating having this experience and having to fave terrible customer service. All the numbers I attempted to call were on their website. On their website they even say that I should be able to use it anywhere, which makes absolutely no sense since everywhere I tried it wasnt working.
Product: Debt collection

Back in XX/XX/2016 I received an offer via mail for the XXXX XXXX Card and it appeared as a good deal with low interest rates. But once activated the company hit me with undisclosed fees and upon trying to close the account the company would not allow me to. But rather continued to charge me their fees and not allow me to close and to this day report negative info to my credit reports. And now they have also sold account off to a collector named XXXX XXXX XXXX making it even worst and Then when I filed the first complaint with CFPB they stated that the account is not theirs, but yet they continue to send me statements wanting payments. I have also filed a Complaint with the State Attorney and the Florida Office of Financial Regulation.
Product: Credit card or prepaid card

I was alerted back in XX/XX/2020 that someone attempted to apply for a Lowes credit card in my name. I immediately called SyncBank and told them that the application was not initiated by me. While the person who applied was unable to open an account, it still shows up as a hard inquiry on my credit report. After SyncBank investigated, they ruled in my favor and stated that they would send notice to all three bureaus to remove the inquiry. It is now XX/XX/2020 and the hard inquiry remains on my credit report.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute the XXXX tradeline account associated with my name and Social Security number. This account was opened without my knowledge or consent, and I believe it is a result of identity theft. 

On XX/XX/year> discovered the unauthorized XXXX account while reviewing my credit report. I have never applied for or used XXXX 's services, and I did not authorize anyone to open an account in my name. 

I request that you immediately remove the XXXX tradeline account from my credit report and take steps to protect my personal information from future unauthorized access. I would appreciate it if you could also provide me with a confirmation in writing once the account has been removed. 

I have contacted this company multiple times to advised them my inform was published to this bureau without my consent & fraud but their not doing anything to resolve my issue and asking that I speak with you guys. No one is doing their due diligence and prolly send my proof that this is my account and removing this information. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX I XXXX XXXX WASHINGTON, DC XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ON EQUIFAX WERE NOT AUTHORIZED BY ME. MULTIPLE ATTEMPTS TO REMOVE WERE IGNORED. 

SEE ATTACHMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Identity theft : There are XXXX credit cards that were opened up in my name as a result of identity theft : XXXX is XXXX and the other is XXXX card : I contacted the credit reporting agency 's to report this fraud. I also contacted those XXXX stores. XXXX sent me a fraud investigation form which I filled out and sent back immediately and after there investigation it was proven that someone stole my identity and opened it fraudulantly. XXXX is still reporting on my credit report even though they were notified it was fraud and to remove it from my report. I have also contacted XXXX numerous times and requested the same form so an investigation can be done. I get nowhere with XXXX just the run around. I feel there is no proper investigation being done with these credit reporting agency 's and they just keep updating my report with this incorrect information which is affecting my score.
Product: Credit card or prepaid card

The issue is with Capital One Bank ( USA ), N.A. and their recently acquired Cabelas 's CLUB Visa card. Unfortunately, I was unable to make my minimum payment. The account was 60 days past due. I made a more than minimum amount payment on my next due date, bringing the account current and reducing the balance to a level below the credit limit. Unbeknownst to me, my account had been cancelled and closed ( pending payoff the remaining balance ) on XX/XX/XXXX. I received this written correspondence after making the payment.

In reviewing my documentation, my account statement dated XX/XX/XXXX made no mention nor offered any warning of possible account closure. I received no other correspondence.

Not only does this mean that the account is no longer available to me to use, but my overall available credit will now be reduced as well, which will negatively impact my credit score. This will likely lead to adverse consequences with other credit accounts as well. In addition, Capital One states that my Cabela 's CLUB points ( loyalty rewards totally {$31.00} ) are forfeited.

I reached out to Capital One to discuss this matter. I spoke with front-line account & credit desk representatives who, while courteous & professional, provided no new information nor offered any progressive action or offered any recourse available to me ; they did mention that I can request my loyalty/shopping rewards via a gift card once the account balance is paid off. In other words, they are holding already earned rewards for ransom of the account balance. Were the account open, these rewards could be utilized at any time. This is not only poor customer service, but an unfair practice given that CLUB points can be earned & redeemed without a Visa card.

I also spoke with a credit supervisor who was polite but rather flippant. When I asked why no warning was provided, she simply stated that such information would not provided with an account statement. She also stated that such reviews happen at the end of the month, regardless of billing cycles. First of all, XX/XX/XXXX was not the end of the business month. Secondly, if the company can make decisions in-between statement dates without notice, the cardholder is at a distinct disadvantage. This overall lack of information means that the company and the cardholder are not playing by the same set of rules.

Finally, the supervisor informed me that the account had been sent to a collection agency, XXXX. I received no correspondence from this company and have not dealt with them. It seems that Capital One sought to abdicate their responsibility for appropriate customer service and to ensure that cardholders are not given the opportunity to effectively deal with challenges relating to their accounts.

I have had financial difficulties before and never once had these type of actions taken on this account when it was owned by XXXX XXXX XXXX XXXX. The card business transfer has not been a positive shift for this consumer.
Product: Credit card

I 've had a Best Buy credit card for years and when ever I have a balance I get charged a " debt protection " fee I 've tried calling the phone number next to the charge that shows on the card and the tell me they are going to cancel but nothing has happened. I never signed up for that and Best Buy told me they ca n't do n't anything about that charge. Even though the credit card company Best Buy uses has changed and my card is different then what i had when I first opened the account how am I still being charged? And get no help? I wAnt it cancelled and possibly my money back because it 's not helping me pay off my balance
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Subject : Violation of Consumer Rights Under FCRA and Request for Immediate Correction Dear XXXX XXXX XXXX XXXX XXXX I am writing to address a concerning issue regarding my student loan account. As a consumer, I am entitled to certain rights under the Fair Credit Reporting Act ( FCRA ), and I believe these rights have been violated in relation to my account. The following laws directly apply to the situation : 15 U.S.C. 1681, Section 602 A : This section grants me the right to privacy, ensuring that my personal information is handled responsibly and with my consent.

15 U.S.C. 1681, Section 604 A, Section 2 : A consumer reporting agency is prohibited from furnishing any account information without my written instructions. To date, I have not provided consent for the release of my account information to any consumer reporting agency. 
XXXX5 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include any adverse information on my credit report that predates the report by more than seven years. If such information has been included, it would be in violation of this provision. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) : It is unlawful for any person to furnish information to a consumer reporting agency if they know, or should know, that the information is inaccurate. I believe that the information provided to the credit reporting agencies related to my account may be inaccurate, and I request that it be reviewed and corrected. 
Due to the potential violation of these rights, I am requesting that the following actions be taken : Immediate review and removal of any inaccurate information on my account that has been reported to any consumer reporting agency. 
A formal investigation into the unauthorized release of my account information without my written consent. 
Confirmation that my rights under the FCRA, as outlined above, have been fully adhered to, and that any further violations will be rectified. 
Please provide a response within 30 days of receiving this letter, as required under the FCRA. Should this issue not be resolved, I will consider pursuing further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal steps to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these concerns. 

I would like to get the following removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX