23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have reason to believe that US Bank is purposefully dragging the sale of my home due to the buyer and I agreeing to an assumable loan. US Bank is dragging the process and has informed the buyer that if 6 months is too long until closing, they can get their application fee back within a certain timeframe. I am aware of how banks do not like assumable loans especially now during this time of higher interest rates.
Product: Credit card or prepaid card

Hello, I had applied for the AMEX Cash Magnet card on XXXX XX/XX/2020 where they had advertised a bonus of {$150.00} along with 0 % APR for 15 months as on the website. I was pre-qualified as I already had another AMEX card -Blue cash Preferred on my name. 

I was thrilled that the card was approved the same day and did call AMEX to send the card since I had some purchases coming up. After upon receiving the card I had an online chat with AMEX to activate and that's where I was informed by customer service that I will not be eligible for {$150.00} bonus and/or 0 % APR. 

So all this time I was under the impression that the deal was to be honored but was taken by surprise to find this out. 

I lodged a complaint on the dates below and called up again on XXXX XXXX as well to understand what could be the reason of approving the card and denying the {$150.00} bonus benefit along with 0 % APR. After multiple requests and follow ups on phone I still got the same reply from the back office that I am not eligible. The dates are below with case numbers I recorded from AMEX associates I talked to. 

XX/XX/XXXX - Complaint lodged : Case number : XXXX XX/XX/XXXX - Complaint lodged : Case number : XXXX XX/XX/XXXX - Follow up I do not understand the reason for approving me for this card if they didn't hold their end of the deal! 
AMEX knows about my credit history as I have been making full payment on time each month without any issues on another card I hold with them and autopay for full is setup. No late payments or fees ever! 

I am frustrated that they closed the case without having any written communication on this issue about denial of bonus. If I would have known that I know now that AMEX would deny me the bonus and 0 % APR even after fraudulently advertising on their website I wouldn't have applied for this card!

This is showing how the big banks and Credit card companies are cheating ( little guys ) customers and not adhering to business ethics that has been flat out thrown out of the window. I don't know how many customers just like me must have not known about this and gone ahead using this card and then found out that they were denied the bonus. 

I hope to have a positive outcome on this case as I believe that this has been a betrayal on AMEX 's part. Your earliest response would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Debt collection

After being in an XXXX  relationship and living in a shelter for XXXX  women, I decided to rebuild my life by trying to purchase a home. I reviewed my credit only to find negative, incomplete and inaccurate reporting by Midland Funding. I have not done business with this company and so, I wrote, called and emailed them asking for information about the account being reported. When I talked to them on the phone, they stated that there is a cease and desist order on my file, so they can not give me any information or write to me or tell me what is going on with this account. However, I have an email from them indicating that I have given them permission to communicate with me through email in order for me to be able to review the account information. However, I have not received anything from them and they continue to ruin my credit. This has been ongoing for about 4 months without the company sending the information for me to sufficiently establish the payment obligation. I have not been provided with an itemized accounting detailing the transactions in the account that have led to the debt, even though I have repeatedly asked for this information.
Product: Credit reporting or other personal consumer reports

Recently i looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate the account to ensure maximum accuracy. 

Here is the account i am asking for you to verify : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX employee at XXXX XXXX XXXX XXXX on XX/XX/XXXX there is nothing affecting my credit score. XXXX first told me there's XXXX items. I asked him if he can please assist me with the items to see if there mine. he was XXXX never got a direct answer for 1 whole hour we got nowhere. XXXX XXXX informed me we dont get confirmation number aftre i filed my dispute? i just got a big headache basically he atlas refused to help me by confusing me. on XX/XX/XXXX my score was XXXX my score has not improved. the same things that were on my score in XXXX XXXX XXXX are all the same but nothing there should affect me? Never had a credit card just chime. chime is a secured acct Iam on safer credit building but have not gotten XXXX increase on my score. i tried to get a mortgage from the first-time home buyer XXXX hit me with that with that immediately affected my score without a chance. Inquiries in report that should had fallen off have not yet fallen off. XXXX refused to assist me with that. XXXX deleted XXXX back on XX/XX/XXXX file # XXXX they added it back on XX/XX/XXXX, XX/XX/XXXX i reached out to XXXX myself where they XXXX mailed me a copy of the letter to all 3-credit bureau dated XX/XX/XXXX where they told the reporting agency 's it was en unauthorized credit application telling the reporting agency to update the inquiry to a soft inquiry which they never did they continued to refuse to do as told. i will like to ask to have someone pull up XXXX XXXX conversation of nothing. XXXX has been punishing me for years with items they/ where not mine as of today my score went down XXXX point and never went up for 3 years because XXXX has been refusing to comply to the law by neglecting to do as told. XXXX refuses to give me my credit report acting like its been lost then saying i need to verify my identity removed freeze requested by me for only XXXX week. the other XXXX reporting agency did as i requested but XXXX felt again that they don't have to follow policy alert and never ut back freeze. i like to ask for en investigated to please look at all my score inquiry only XXXX percent of XXXX 's claims are mine ive disputed many they were unverified and should had follow policy and removed them there's things on there for XXXX plus years. after this investigation i will be looking to seek legal action if not corrected immediately. 
XXXX dropped my credit score XXXX points on XXXX falsefully on a secured credit building card XXXX in safer credit building chime. chime has no reported credit limit. XXXX and Equifax are XXXX my credit score. i disputed this with chime as well and it went in my favor because i am protected by chime with safer credit building. the reporting agency have no respect fot the code of conduct the law or care to follow policy do not feel safe with them on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have discovered some discrepancies with my Credit Score reporting by XXXX to my XXXX XXXX XXXX credit card. I 've been working on this issue, and XXXX mailed my corrected report and score to me just a couple of weeks ago. At this point I checked on two of my credit cards Discover & XXXX which use XXXX service ( run by XXXX ) to provide their customers with access to their credit scores. According to XXXX, they get their info from XXXX, but the score they show is completely different from what was sent to me by XXXX, as well as two loans incorrectly reported by XXXX as Personal Loans are actually Parent-Plus Student Loans as correctly shown by XXXX ( see attached ). I have contacted XXXX and Discover card about these issues via messaging on their Web Site, but as you can see from their answer ( see attached ) they dont even bother to read their customers messages. XXXX just sent an email to me with a statement " No changes to your credit report '' ( see attached ), which means XXXX did n't even bother to check my info against what XXXX shows ... I am not aware of any other way of contacting these people, and mistakes like these can cost me a lot of money. Please help me convince XXXX associates to do their jobs as well as Discover and XXXX take seriously their responsibility to their customers. I find it highly disturbing knowing that my financial well-being is in the hands of somebody who cares so little they dont bother to even read my 3-sentences message. Something really should be done about it.
Product: Credit reporting

I disputed the information with the company itself and the collections agency I never even lived at the address they have listed or used the name it 's listed under. I explained this to them and the collection agency removed it and then in turn the original company XXXX XXXX XXXX reinserted it using a different collection agency. It 's not mine I have fraud listed please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and am filing this complaint myself without any help of a attorney or credit agent, i am a victim of identity theft The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft ACCOUNTANT NAME : XXXX/XXXX  Account number:XXXXXX Date opened : NOT SURE Experian Report Number : XXXX ive contacted Experian recently about this matter i sent in the first report reference number is XXXX FTC Report Number : XXXX ( www.identitytheft.gov ) Experian sent me out a letter stating that my FTC REPORT WAS UNVERIFIABLE so i called identitytheft.gov ( XXXX ) XXXX which told me that was not true so I resent my report my credit report i found inaccurate, false and fraudulent information that don't belong to me i've been battling with Identity Theft for the last 7 years i recently spoke to Experian Identity Theft department and they told me my credit file was mix up with someone else & that they would fix it! still haven't seen changes!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/EQUIFAX reports inaccurate and false information here are the following : XXXX XXXX XXXX XXXX ACCOUNTS : LAST REPORTED XXXX XXXX AMOUNT OF {$720.00} XXXX AMOUNT OF {$2600.00} XXXX XXXX XXXX  XX/XX/XXXX ACCOUNT # XXXX U.S DEPT OF EDU ACCOUNT # XXXX XXXX {$2100.00} XXXX {$4200.00} US DOE ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, my wife and I purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX, TX. We choose to finance through the dealership. Upon selecting the vehicle, agreeing on a price and beginning the process of purchasing, we were required to sign a document authorizing them to run a hard credit check. At this time and before signing the document I verbally confirmed with the salesman ( XXXX ) and the finance manager ( XXXX XXXX ) with XXXX XXXX that my credit report would only reflect one ( 1 ) hard inquiry. Both confirmed that there would only be one ( 1 ) hard inquiry. XXXX XXXX XXXX took an audio recording of the conversation which should confirm this statement.
On XXXX XXXX, 2017, after the purchase was completed, I noticed on XXXX XXXX that I had received XXXX ( XXXX ) hard inquiries from this transaction. According to the XXXX details shown on this service, the XXXX  ( XXXX ) hard inquiries were from the following vendors : 1. XXXX XXXX ( XXXX/XXXX/2017 ) 2. XXXX XXXX ( XXXX/XXXX/2017 ) 3. XXXX XXXX ( XXXX/XXXX/2017 ) Upon noticing this, I contacted XXXX XXXX XXXX with XXXX XXXX to attempt to resolve this without filing a formal complaint on the following dates : 1. XXXX XXXX, 2017 - Phone call - left a voice message 2. XXXX XXXX, 2017 - Email to XXXX XXXX 3. XXXX XXXX, 2017 - Email to XXXX XXXX To date, neither XXXX XXXX XXXX nor any other employee with XXXX XXXX has returned my calls or emails to fix this issue. The contact information for XXXX XXXX is as follows : - Phone : XXXX - Direct ( XXXX XXXX ) : XXXX - Email : XXXX
Product: Checking or savings account

Ally Bank allowed more than {$1000.00} in fraudulent transactions to occur on an old checking account debit card that should have been deactivated more than a year ago. This wiped out my balance in a few hours and will take weeks if not months to fix. All due to Ally 's careless mistake.
Product: Money transfer, virtual currency, or money service

With Zelle and XXXX XXXX  money was sent to the wrong person. Before it was information stating that if this happened, a person would not be reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

Case number at capital one XXXX I have paid a contractor named XXXX XXXX over XXXX dollars to remodel my bathrooms and replace the pipes and update the plumbing. I paid with my credit card capital one Visa card. I disputed XXXX dollars ot of the total amount I paid for work NOT done in the third bathroom and for the PIPES AND PLUMBING THAT WERE NOT REPLACED AND NEVER DONE .I contacted the XXXXXXXX XXXX several times but they always refused to come back and finish the job we agreed on and I paid for. Capital one ruled in favor of the contractor and charged me again for the XXXX dollars. They charged back the credit they gave me for no legitimate reason because I disputed XXXX dollars for work NOT DONE on the third bathroom and for not replacing the plumbing and pipes. All the other work the merchant is showing in pictures was paid for since I paid them XXXX dollars. I am only disputing the XXXX dollars for work NOT DONE AND PLUMBING NOT DONE. I am requesting higher management at capital one cards to be involved and I am requesting capital one to refund me the XXXX dollars since the work for that amount of money was never done. Capital one needs to investigate thoroughly and rule in my favor and refund me the money The case number at capital one is. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my XXXX report from Syncb, says its for a national credit card/Airline. I do not recognize this inquiry, and XXXX XXXX doesnt have a dispute option to remove it.
Product: Student loan

See attached documentation. Requesting modification based on lack of significant change in principal balance following 7 years of positive payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently needed a copy of my credit report from Experian. When I tried to log on with a recorded user ID and Password I could not access my account. I attempted to call the toll free number listed on the website during the open times listed. The first three ( 3 ) times I made the call I entered my SSN but the recorded message announce I didnt get that and I was unable to speak to anyone. 
Later that day I needed to temporarily unfreeze my account to apply for a credit card. After I was unable, again to reach Experian by phone, I had no other option but to create a new User ID, Password, and PIN. When I logged in, the website recognized my identity. I then attempted to lift the security freeze with all the recent info I had entered. The website did not recognize my PIN and, since I could not reach a customer service representative by phone, I was required to send, by mail, with all info and documentation that could be used to criminally assume my identity, a written request to lift the freeze on my account. 
As I am in the process of purchasing a house I sent the required letter and info through the unprotected U.S.P.S. As the customer service Experian provided was well below sub-standard, and as I do not wish to ever have to rely on Experians lack of competence and support, I requested a permanent lift on my security freeze, further exposing my identity. 
It borders on a criminal offense that Experian requires me to provide all documentation that could easily be stolen from U.S.P.S. control. 
The inability to contact a customer service rep and the inadequate nature of the website made this a horrible experience for me.

I am ccing the Consumer Financial Protection Board and will make a formal complaint on the www.consumerfinance.gov/complaint web page. I am also ccing the New York State Department of Consumer affairs and will make a formal complaint on the website www.dos.ny.gov/consumerprotection/form/complaintform.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX  to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization.

1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. Cease any credit bureau reporting until debt has been validated by me.

4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.