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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX 
XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$640.00} ; XXXXXXXX XXXX XXXX Balance : {$20.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Mortgage

I wrote an email and provided the mortgage company CMG financial with receipts showing that I finished my basement for the purposes of having a appraiser come and appraise my home so that the PMI could be removed the lender stated the receipts I provided doesnt qualify as finishing a basement.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I tired to make an online purchase of {$24.00}. The merchant claimed to have not received the funds and directed me to contact the American Express Gift Card Service Center. I made contact with Amex, not easily as they do not offer an option to talk with a customer service rep and if you press 0 for an operator the menu starts all over again. The only way I was able to visit with a service representative was to select the telephone option for lost or stolen card. You will then be transferred to a foreign country, XXXX???, and then can speak with an agent. I was informed the problem resided with the merchant. I called the merchant and was told they never received funds and something must have gone wrong during submission. I called Amex back and was told I would have to wait 2 -  7 days for the transaction to be credited back to my gift card. It took the entire 7 days to receive the credit. First complaint why tell a customer it will take 2 - 7 days for the credit when they know it will take the full seven days. This is simply a lie!! Meanwhile, once the funds did credit back to my card, this morning I tried to make the purchase again and yet received the same problem! I immediately contacted Amex was told the same lie about a 2 - 7 day waiting period to receive a credit. Of course I argued with the incompetent service reps with Amex as they could not understand the error message of " Return & AVS ''. Please see attached documents showing the same message with each transaction. Amex has no idea how to read their own error message and are completely unwilling to offer average customer service. I contacted the merchant again and sent the print out of card charges and they were able to identify the problem. The statement of charges shows the transaction was returned. I called Amex and they refused to do anything, other than waiting another 7 days for the refund to post. They should clearly credit the card back immediately after seeing the message of " Return AVS ''.
Product: Credit card or prepaid card

I redeemed points on XX/XX/XXXX from my Chase Sapphire XXXX XXXX credit card for a roundtrip flight to XXXX from XXXX XXXX. In XX/XX/XXXX I decided not to go on the trip and cancelled the reservation. I was told by the representative that I would have an XXXX XXXX flight credit in the amount of {$910.00} for use before XX/XX/XXXX. On XX/XX/XXXX I called to make sure my flight was cancelled because I kept receiving emails stating my itinerary changed. The representative informed me that the previous representative only cancelled one flight and not the roundtrip reservation. She went ahead and cancelled the remaining flight and I asked her to send me confirmation via email of the cancellation. She sent me 2 emails for Trip ID XXXX confirming the cancellation. On XX/XX/XXXX I called to redeem my flight credit for a trip to XXXX XXXX, XXXX XXXX. It was EXTREMELY difficult to understand the offshore rep from the XXXX, XXXX, because she had a very strong accent. She did not explain tome that there were 2 separate flight credits, one for {$550.00} and another {$350.00}. They originally redeemed my points but created separate airline confirmation codes ( not roundtrip ). She failed to thoroughly explain that the unused credit for EACH flight would be forfeited. I thought she meant the unused credit for the entire roundtrip flight would be forfeited. She processed the departure flight for {$310.00} and didn't explicitly state the difference of {$240.00} on that flight could not be used toward my return flight. I asked to speak to someone in the US because I could not understand her. She transferred me to a manager named XXXX who stated that I should have asked for more clarification. I was on the phone with them for 2 hours and 15 mins. This is the worst experience I have had regarding travel ever. Airlines don't process separate transactions for a roundtrip fare so how would I have known this. There was 1 Trip ID for the roundtrip flight reservation. The representatives should state that they are going to process the first transaction for XX amount and you will forfeit XX amount on this reservation for each flight so that consumers understand that the remaining balance can not be used even though it is for a roundtrip fare.
Product: Checking or savings account

I just want to make a complaint with Chase because It was a fraud activity on my account even though I did not make that transaction and the bank did not provide a security check with my account. On XX/XX/2023 a deposit of Tax Refund of {$1500.00} was made on the date and the bank garnished my check because of fraud activity on my account I explained that I did not make such a transaction they still made me liable for that transaction and they want me to pay the remaining balance. I believe that banks should be responsible for any fraud committed because they did not check.
Product: Credit card

Starting XX/XX/year> every time I Iogin to the capital one Mobile app to view my account, I was asked for a one time PIN ( Two factor authentication ). I have been using the exact same device ( my mobile phone ) and accessed the account using the same network at my house which I have been using prior to XX/XX/year>. I still continued to be asked a one time pin even after successful authentication. 

I had to login multiple times on my mobile app on XX/XX/year> since my transaction using a Virtual card tied to an account reported for fraud was getting rejected. I was also working with one of the agents to resolve the issue. After a few attempts my request for getting a One time pin on the mobile app was blocked with a message that I have exceeded the number of attempts to get a One time pin for the day. I was prompted to wait for 24 hours to get a PIN. This meant all my access to my accounts from the Capital one app was blocked. I have 2 Credit card accounts, 1 Savings account and 2 CDs with Capital One. I wouldn't have access to these accounts for more than 24 hours. I called their customer service. Some of the agents didn't show any empathy and just replied that I need to wait for 24 hours. This seemed a bit scary me not having visibility into my financials on a weekend for 24 hours.

One of the agents suggested I access the account through a browser instead of the app. Again this required me to authenticate on the mobile app. I was finally able to login to my account from a browser after verifying on my mobile app. I felt this ridiculous since my account access was blocked from my mobile app but I could use the app to authenticate and access my account on a browser. Every agent I spoke to mentioned that these are security features taken to protect my account. I found this more of an inconvenience for the customer. Also how could this be protection if the mobile app was used to authenticate me to access my account from a browser. 

It has been close to 24 hours since I accessed my account from my mobile app. This has caused a lot of inconvenience for me performing some of the financial updates during the weekend.

I as the owner of the account 1. Never requested the bank to setup a One time PIN always to access my account.

2. Was never told that there would be a " THRESHOLD '' on the number of times I can access my account from the mobile app since this was tied to the number of one time pins I can generate in a day. 

The customer service agents I spoke to was NOT very helpful and none of them were able to assist me even after authenticating my identity multiple times.
Product: Credit reporting or other personal consumer reports

I have fell victim of Identity Theft. The accounts listed were aim by some hacker opening up accounts for some time using the dark web. Affecting my credit score and cause LATE PAYMENTS. I have not authorized these accounts and don't take responsibility for these accounts. I am expecting immediate removal of these accounts expeditiously
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX I am XXXX XXXX XXXX and XXXX am writing to bring to your attention XXXX errors in XXXXXXXX XXXX credit reporting that have resulted in my absence from credit reporting and the removal of my credit history despite making timely payments as an authorized user on Card Number/Account Name ending XXXX and XXXX XXXX. As of Date XXXX  XXXX, XXXX. It has been over 30 days since I requested reinstatement, and my credit reporting and credit history remain unchanged. I am providing the following supporting documentation to substantiate my request. I have attached proof of letter, its XXXX pieces of the letter, that letter from my primary account holder confirming my authorized user status : Proof of address and my government issued ID. 

I as authorized user respectfully request that you take immediate action to reinstate my credit reporting and credit history effective XXXX originally when I started as authorized user from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Please ensure that all future payments are accurately reflected on my credit report from the beginning from last year until now. Its a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will also attach a copy of that. If there are any additional steps required from me, please let me know and provide a clear timeline for resolution.
Product: Payday loan, title loan, personal loan, or advance loan

Tower Loan the agent here in XXXX Louisiana, called my girlfriend and told her I was 2 months behind and if I didn't pay by tomorrow they are coming confiscate some of my personal belongings and ask her if she knew about my loan and she said no and the agent told her well that's not not being honest with you, your man is lying to you, so now I'm arguing with her and about to lose my son 's mom over that lady telling my personal life to her its wrong and against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

JMAC Lending contacted the mortgage broker I used and stated we provided information that was " not factual '' and they were starting proceeding against XXXX XXXX and XXXX XXXX and reported it to the FHA. I called them and told them it was factual and I could provide proof. I sent them a signed statement from the person that was my immediate supervisor and it stated I was still an employee at that time in question and they have apparently decided to ignore me because I ask to be informed about the process and I have not heard from them since. I would like to clear this issue up as soon as possible. 
Thank You XXXX XXXX
Product: Bank account or service

I had an account with BankofAmerica in XXXX 2014, that was opened during that time i had a check that was deposited in my account for funds on a Friday that i did not know would not go through. When i found out about the check being returned Bank of America had already closed my account down and proceeded to take action, and did not speak to me to after they closed my account and placed a fraud on my name, which have caused me to loose employment as well as be provided with a bank account. I have tried to work with them towards a feasible solution, and have not come up with one that works for both the bank as well as myself. I am seeking assistance because i feel that i have been treated unfairly by this business in past and now.
Product: Debt collection

I am filing this complaint because CKS Financial has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago i tried to get a old Kohl 's account removed from my credit report. I tried several times disputing with the credit bureaus and nothing changed. I called and spoke to Khols and tried to get it removed but instead the added a charge off to every month from XXXX to XXXX. That dropped my score 50 points over night. I tried again to speak with them and a associate # XXXX agreed to do a pay for delete. I paid the overdue balance and was immediately told that they do not do that. They agreed to this on their own recorded line several times but refused and still refuse today. I paid the balance as agreed, now the need to remove it from my credit report like they agreed to.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, EXPERIAN AND XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that EXPERIAN AND XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I opened an account with citi bank in XX/XX/2018. After two months, they closed my account without warning and explanation. After one month, they closed my Costo Cards which I have been used for couples years without warning and explanation too. Citi bank refused give me back credit card rewards money which around {$200.00} and also the bank interest. I called the customer service many times and asked them why, the only words they told me is " bank decision ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Home Point Financial XXXX XXXX XXXX XXXX, GA XXXX Re : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Acct ending in XXXX Several times Home Point Financial has closed or made the website unavailable for customer to make mortgage payments timely. Whatever processing you have to do internally to update website should not start until the time to make payments has expired. 
You are denying customers the opportunity to make their payments within the time allotted by law. 
Please correct my account as soon as possible. 

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

In XXXX XXXX  XXXX, I purchased a XXXX XXXX XXXX from Carvana. At the time I had a credit rating of about XXXX according to all the information I could access from he reporting agencies. Part of the incentive to buy from Cavana was a 4 % interest rate with an excellent credit rating. As we were closing the deal I saw the interest rate was either XXXX or 12 % and I asked why my rate was so high. Even though my excellent credit score was posted in all XXXX websites, Carvana old me that they said that my credit rating was actually XXXX, so I get the higher interest rate. 

I asked them why do the reports I get say i have a XXXX credit rating, and yours says mine is XXXX? Are there XXXX different credit reports available to consumers and creditors? She said that is what they sent us, so that is what we are charging you an its not changeable. I called all XXXX credit reporter 's and they said no, you only have one credit score with us. They said it's possible that another one of the 3 agencies has a different score.

I checked and my score was even better at another one and about the same as the other. I was in the middle of a very chaotic relocating at the time, I ended up wrecking my truck and breaking my back during the move. All my payments are autopay so I I forgot about it.

Cavana refuse to recheck and lower my interest rate.I did not know that this agency existed and thought I was XXXXThey have my signature and the deal is done and there is nothing I can do. 

They scammed me and I have been paying over XXXX he interest I should have been paying. I worked had for that credit score and along with another incident, I have completely lost faith in the system.

Is there anything I can do? The note holder makes it difficult to see what my interest rate is and that has me worried as well.

Can you help me or steer me in the right direction? What they did to me is not right.
Product: Vehicle loan or lease

Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Ford Motor Company LLC : # XXXX, has violated my rights. 

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 An 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This closed account was removed from my XXXX and XXXX XXXX report.but XXXX and XXXX continue to report the debt that is hidden and is more than 7 year old .according to the fair credit reporting law, the agencies can not report a debt that is more than 7 years old because it would violate my rights.
Product: Debt collection

This company is trying to collect a debt that has already been removed from my report. Amsher Collections tried to collect the debt last summer, and reported it to XXXX I disputed the information, which ultimately resulted in the removal of the account in question from my credit report. The account has now been readded by XXXX XXXX as they are trying to collect it.