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

Capital one account involved in a breach. I closed the account and demand they explain why I wasnt notified of this breach inside. I have found my information is on the dark web and have ask capital one to close this account and remove from all 3 bureaus. They have sent me a credit monitoring company that I can enroll with its too late for it now. I want the account that I closed they are still adding late fees and reporting late in my credit report. I would like this account removed and closed immediately. I am not paying a card that was hacked. I dont owe XXXX on this closed card due to the activity and hacking status. I have proof that my email address was found on the black web and it has hacked with my old phone number XXXX. My credit score is being compromised by capital one because they keep reporting me late in a closed account that they let an insider working at capital on gain access to my file and hack my email contacts and tried to hack my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea who XXXX XXXX XXXX  is, i have been fighthing with them to remove this from my report and they refuse to. tbom is past the status and should not be on there either.This is been going on way to long and i would like this taking care of ASAP ...
Product: Checking or savings account

Ive been a Bank of America customer for 26 years. On XX/XX/2023 XXXX be XXXX XXXX XXXX. So I qualify for your Elderlycare program. My bank withheld over {$3500.00} because of of the scam companies withdrawing funds from my checking account. The three major companies that are withdrawing funds from my account is XXXX, XXXX, and XXXX. I have never done business with either one of those companies. I have called my bank almost every day for the past 5 months without any results. 
Recently, my wife XXXX XXXX XXXX XXXX received a letter explaining that XXXX XXXX XXXX had a data breach as of the first of the year. This data breach effected over XXXX XXXX of there customers. I feel because of XXXX XXXX XXXX  data breach we were one of customers effected. The letter from XXXX XXXX XXXX says REST assured that no sensitive personal information or financial information such as social security numbers or credit card information was accessed. They said that so they can cover themselves in case of suit. BUT, The letter didnt say anything about checking accounts. I spoke with many of my banks representatives about the breach. They acted like they never heard of the breach. I couldnt believe that. I faxed a copy of the documents to them. They never acknowledged or responded to any of my disputes or acknowledged the data breach from XXXX XXXX XXXX. The impression I got was my bank was working for the scammers not the customers. I sure hope you can help me get my money back. I made a deposit a couple of months ago for {$12000.00}. That money was to help me while I was off of work. I was scheduled to have XXXX on my XXXX on XX/XX/2023. Of course I had to cancel my XXXX because I didnt have funds to help me during my recovery time. I have XXXX XXXX XXXX XXXX XXXX  The sooner you can reclaim my {$3500.00} the sooner I can have my XXXX rescheduled. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

On XX/XX/XXXX, a letter was sent from XXXX that the investigation was underway and I would receive a response. 
On XX/XX/XXXX, a letter was sent with an enclosed check for {$120.00}, dated the XXXX. The letter stated a separate response will be mailed detailing this regarding the credit card that has been closed. 
I contacted the listed person, XXXX XXXX for clarification and left a voicemail XX/XX/17. 
This can not be the amount to suffice a credit card opened for {$1500.00}. I was to receive my refund once the full {$140.00} was paid. Instead, it was closed and the money has still not been returned. 
In addition, this information is still reporting inaccurately on my Experian and XXXX reports.
Product: Student loan

Navient has reported incorrect information on my credit report. I have several monitoring companies alerting me about my credit report. Navient has reported duplicate accounts on my reports for the same account. Navient needs to correct or delete the duplicate accounts that they have been reporting to credit bureaus.
Product: Checking or savings account

At around XXXX on XX/XX/2022, I used a Chase ATM to pull {$40.00} from my checking account and then left the ATM. The next day I checked my account and saw that someone had made ( 4 ) more withdrawls from my account that night without my authorization. The withdrawls were for the amounts of {$400.00}, {$200.00}, {$300.00}, and {$20.00}. The total of {$920.00} removed from my checking account without my authorization. I called Chase to report the theft on the morning of XXXX, XXXX, XXXX  and describing what the theft to the best of my knowledge. Chase creditted my account the {$920.00} while they reviewed the case and sent me a digital letter confirming this on XX/XX/2022. The person I spoke with on the phone, assured me that their team would reach out to me if they had any questions or needed additional information on the case. 

On XX/XX/2022, I received another digital letter from Chase stating that they believed the transactions had been authorized and they would be removing the credit from my account. The letter included a phone number that could be called for more information. I called this number a couple days later and was infromed that there was no more information that they could provide me, that my claim showed in their system as regected, and that there was no one they could tranfser me to that could give me more information on the claim. They stated that if I wanted more information I needed to fax or mail a letter to their back office. This information was contrary to the information I received on the provided XX/XX/2022 letter and completely unacceptable.
Product: Credit reporting or other personal consumer reports

This is my numerous request 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, remove 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
Product: Credit card

On XX/XX/2023, I made a purchase of a White Gold Solid Figaro Chain Necklace from XXXX XXXX online website in the amount of {$2600.00} along with a separate order. The order number for this chain was # XXXX. What I received did not match what I ordered for # XXXX, was of extremely low quality and weight. I was forced to return it. 
I i was instructed by customer service on how to return my orders which i followed. On XX/XX/2023, I received a message confirming my returns had been received and that one was refunded but order # XXXX had not been processed. A long-drawn-out process began where reeds refused to refund this order and Discover claims that it is out of their hands, that they are completely powerless to assist me and that I have to continue to work with the merchant who has no intention to refund.
Product: Credit card

On XX/XX/XXXX I did a consumer credit transaction for personal and household goods with American Express. I then submitted an adverse action as to why I didnt believe there decision to deny me was in good faith. American Express is liable under the SEC to follow certain rules, American Express commission file number is XXXX. According to the federal Reserve act 2. Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, I the consumer submitted an application aka a note and American Express collateralized said application, I gave American Express Something of value and in return American Express denied me extension of my own credit but instead collateralized on the note Aka security. Also American Express violates the federal reserve act Section 29. Civil Money Penalty ( a ) First Tier. Any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who, violates any provision of section 22, 23A, or 23B, or any regulation issued pursuant thereto, shall forfeit and pay a civil penalty of not more than {$5000.00} for each day during which such violation continues. 

[ 12 USC 504 ( a ). As added by act of Nov. 10, 1978 ( 92 Stat. 3641 ) and amended by acts of Oct. 15, 1982 ( 96 Stat. 1523 ) and Aug. 9, 1989 ( 103 Stat. 470 ). ] ( b ) Second Tier. Notwithstanding subsection ( a ), any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who commits any violation described in subsection ( a ) ; recklessly engages in an unsafe or unsound practice in conducting the affairs of such member bank ; or breaches any fiduciary duty ; Attached is the denial letter of credit from American Express
Product: Credit card or prepaid card

Open a secured card in XXXX {$1000.00} reported fraudulent use of card to the bank also made an incident report with the first precinct in XXXX called Wells Fargo fraudulent department they said they were going to do a full investigation so they are moving forward monitoring my credit every year since XXXX its a present I have been tormented by Wells Fargo fraudulent department for not doing their job properly then the XXXX made another complain they sent me a check in XX/XX/XXXX of XXXX for {$150.00}. XXXX Im looking for my XXXX dollars back I even thought about suing for mental stress and ruining my credit.
Product: Credit card

On XXXX of 2014, my husband ( who was my fiance at the time ) and I purchased our wedding bands at a value of {$3000.00} at a ZALES Diamond store in XXXX XXXX, Florida. We chose Zales because they had a promotion advertised on their website and on a store front signage, offering a certain percentage off the entire sale and 0 % interest the first year on charge purchases. So we signed up and completed the purchase. We double verified with XXXX ( the sales associate helping us ) that we were qualified for the 0 % interest for the first year promotion. As understood, she verified more than once that we were eligable for the promotion. To our surprise, on XXXX XXXX, a {$600.00} and something charge hit our account. I called in to inquire on the charge, as I know we had n't used the card, and was advised that the charge was backed up interest because we had no paid off our debt & the " promotion '' was for balances paid in 6 months. I WAS IN SHOCK!!! I tried explaining to the associate on the phone that in no given time was this explained to me by XXXX when we asked her multiple times about the promotion. He went on to say that it was in the agreements that we signed. Who the hell looks at all those fine prints?! I asked to speak to the manager, who of course could n't help me & was suuuuuper rude and basically told me I just had to pay the interest charge. Long story short : ZALES is a thieft company. They advertise incorrectly and hide information/fees. I will never be doing business with them again. My husband 's wedding band is giving him an allergic reaction and we are looking into filing a lawsuit against them. Worst part is - they are negligent to help and makes us consumers feel as if they are the ones doing us a favor. The XXXX associate that assisted me on the phone told me that A LOT of people call to complain about the same thing and that A LOT of people say their in store sales associates fail to give them complete promotion information. Funny how their own employees would say that about the company .... really says a lot about them. Stay away from Zales ... cheap quality jewelry & high price tags.
Product: Credit card

When applying for a Best Buy credit card, I was automatically " steered '' towards a program known as Debt Protection XX/XX/XXXX. In addition and/or as time progressed I did not find such a program useful due to paying my bill on time. XX/XX/XXXX, I contacted Debt Protection to cancel and/or requested a full refund in the amount of XXXX after speaking with a customer service representative. Begrudgingly speaking, a refund in the amount of {$55.00} was applied/approved ( i.e., 3 months payments ) within a 30 day time period. Shortly after assessing such findings on XX/XX/XXXX, I contact Best Buy 's Debt Protection platform and requested for my case to be reevaluated holistically speaking, for as a consumer I should be refunded all monthly premiums paid into " an insurance program '' otherwise known as Debt Protection. I spoke with a representative who stated " there is no guarantee '' I would receive a full refund. Based upon her response, I asked to be transferred to a supervisor to convey my displeasure with respect to this process and/or my case was resubmitted XX/XX/XXXX ( i.e.,, 30 day response per electronic disclosure received via online Best Buy account ). Please be advised both customer service representative and supervisor acknowledged an aforementioned balance in the amount of XXXX ( i.e., rounded figure ). 

XX/XX/XXXX, I have yet to receive any formal means of communication and/or contacted Best Buy ' Debt Protection and " DEMANDED '' my case be escalated after speaking with a Supervisor. As a consumer I am entitled to receiving a refund if a service is not being utilized, am/was being charged compounding interest, and should not have to be relegated to communicating with a third party customer care center located in Oklahoma where formal decisions can not be achieved. In summation, I am aware of a class action lawsuit settlement vs. Citibank in the amount of $ XXXX for such egregious acts. In summation, the primary objective is to have all remunerations refunded and applied to my account immediately ( Link : XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, US DEPT OF ED/XXXX. 
Company Inquiries XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am unaware of any valid contract with XXXX. They are currently reporting negative information on my credit file ; in which they claim I owe {$580.00}. I was first made aware of this situation when I went to apply for a personal loan and my application was declined due to this derogatory account that is still in my credit file. 

Please be advised that all attempts to validate this debt and request a contract have been unsuccessful. I have been told by this company numerous times that they can not provide me with a signed contract. They repeatedly keep sending me bill copies. This is not a validation. I was also sent a letter dated XX/XX/2019 indicating that they no longer have my application on file. How can they prove that this account belongs to me and that I initiated this account? 

I am keeping a file of the ongoing correspondence with XXXX  and demand that this negative information be removed from all XXXX credit files immediately. This has been an ongoing issue and I would like for it to be resolved as I am preparing to file suit for derogatory information on my credit file.
Product: Mortgage

I have been trying to get a refinance on my home for the past 4 months, but because of the reports given by Credit Reporting Agencies, such as Factual Data, lenders are telling me that my scores are so much lower than the reports I get from the 3 reporting agencies.  The lenders tell me they use the middle score, however, they do not, they get different scores.  I have now several hard inquiries on my report, due to the fact that because of the lower scores they report, I get ripped off big time on interest rates.  I even started paying off credit cards and brought up my scores but Factual Data still reports low scores.  It is totally unfair.  My scores all show in the low 700s, yet they show in the 660 and 690's.  I have always paid ALL my bills on time, something must be done to help the consumer not get ripped off in this way.  I am XXXX, lived in my home for 20 years since built.  Can you help me?  I was trying to refinance to update my home and pay off two credit cards, with a decent interest rate.  XXXX XXXX XXXX, my last quote was at a 5.5% interest rate! Thank you for you time.
Product: Credit reporting

Bought a car in XX/XX/XXXX, totaled it XXXX ... On XX/XX/XXXX, my insurance company paid the balance and the account was satisfied. 

In XX/XX/XXXX, I saw the account as, 'Account paid in full, was repossession '. At that time I called the lender, XXXX XXXX, and they assured me they had n't submitted any repossession. In fact, I was never late. I 've disputed this over almost 7 years ... Multiple times. Nothing has changed. 

The damage and cost to my life/lifestyle is irreversible ... I do n't know if you could calculate the cost? 

It 's a gross fault of the credit report bureaus ... And their obvious lack of due diligence. I have finally received a letter from the owner explaining the error on the credit bureaus side. 
I did n't know I had any other rights or avenues ... But, I 'm XXXX ... And sick of being judged by a corrupt system. 

I have never abused credit, as many do. Yet, I ca n't get credit. 

From the owner, XXXX XXXX, XXXX '' I 'm unsure if this helps but a lot of times when there is a situation like this, places that are looking at to give you credit will call us direct or will accept a letter from us showing the proper rating to override the incorrect XXXX on the bureau. If this will be of any help please let us know and we will gladly help. " Please help! 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, 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 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
Product: Debt collection

Under code XXXX XXXX XXXX XXXX. They have no right to constant harassment! They claimed it was removed but it is still on other credit reports. They are constantly harassing me trying to hold my life back.
Product: Credit reporting or other personal consumer reports

This is related to case XXXX. Fifth Third Bank did not adequately respond. They provided no documentation. They just said " our findings show the card account was opened properly ''. If so, where is my signature? Why is the birthday of the account holder different from mine? I want this bogus information removed from my credit report, and I want it done now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the account reported under XXXX removed from my credit reports due to being inaccurate. I contacted XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX but XXXX and Experian have not. The latest letter I sent to XXXX and Experian to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX nor Experian, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX  Reports regarding the account that do not belong to me. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX