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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of= a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. lt l has been 30 days and you are in VIOLATION of this law because lam a victim of identity theft! l Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish = a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of th consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

I received this card as a gift. I don't want to be a Netspend customer. I am not giving out my social security number in order to use a {$25.00} gift card. I am inclined not to even use it, but then Netspend makes {$27.00} off of a card that is not used. This is not right. I should be able to spend my {$25.00} gift without giving out all of my personal information for Netspend and their partners to use. With all of the data breaches this is just one more sloppy way of doing business. I decline to use this card if I have to give out so much information
Product: Debt collection

I was in a car accident, I was out of work for 5 months without pay, and my accounts was closed without my consent!!!!
Product: Student loan

As the repayment period approached, I applied for the XXXX program, which I am confident I'm eligible for. I have been unemployed for over two years, and my disability claim is still pending. My family relies on XXXX and XXXX  XXXX  for basic needs, but XXXX denies my application for the program. I have applied twice, and both times, they rejected it due to a lack of income verification. However, I have provided all the necessary documents, including my XXXX most recent tax returns, to prove my eligibility. 

I've been contacting the Department of Education, but all they send are generic emails containing tutorials, applications, or instructions to contact XXXX. I need help getting XXXX to explain what other information they need from me or why they are not allowing me to participate in the XXXX program. It feels like I'm being misled and scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX FIN # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, 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
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I checked my credit report and I noticed unauthorized accounts. This is against my consumer rights. I also noticed that I was impacted by the XXXX Data breach which may have made this issue occurred. Experian, XXXX and XXXX are aware of the unauthorized accounts but they have not investigated into it.
Product: Checking or savings account

On XX/XX/2021 a checking account was opened in my name with TD Bank. I had recieved checks in the mail of which made me aware of this problem
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the negative impact that my current credit report is having on my financial well-being. As a responsible consumer, I understand the importance of maintaining good credit, but unfortunately, the current state of my credit report is severely affecting my ability to obtain loan. 

I request that you investigate these discrepancies promptly, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. Please conduct a reasonable investigation and provide me with the results within 30 days, as required by law.
Product: Checking or savings account

On XX/XX/2021 at XXXX, I withdrew {$400.00} from the Chase Bank ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX I withdrew the money from my XXXX card to cover a debit from XXXX XXXX to my Chase Checking account ending in XXXX. 

I deposited the cash into my checking account and while the transaction was processing the prompt told me to " remove my card ''. 

Once I removed my debit card from the ATM machine, an error notice appeared and said my " transaction was canceled due to removal of the atm card '' ... but it NEVER returned the money. 

I was only able to successfully process the check for {$71.00} issued from SELF, but the cash deposit WASNT RETURNED and my account is currently in the negative. 

I tried contacting customer service for Chase Bank but I am outside of business hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Idonotrecallgivingmyauthorizationforthiscreditpull, pleasehelp me removethis. I also know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting on my credit report. There are also unknown address listed on my report, please help me update it.
Product: Checking or savings account

On XX/XX/XXXX they freeze my checking account while I was trying to change my phone number. I was told to send different documentation to different people around the company. Phone calls over 4 days trying to prove that is me. ID, pictures of my self But, I just heard from my coworkers that this is something usual on this company they cancel your account for suspicious and because we dont talk XXXX they just keep the money. This has happened in my company with over XXXX other coworkers who know how many more around the states. But even though I look like an immigrant or Spanish speaker. I am not! I speak XXXX and I am legal in the states and I wont stop until I get my money back. Please Check with this Venmo bank in all the freezer accounts they have done over the past years and on how many they kept freezer and also kept the money from the employees.
Product: Credit card

I file this complaint to respectfully request that my two Capital One accounts be added back to my XXXX credit report. These accounts do not appear on my report which is adversely impacting my FICO score. One such account is my Capital One Walmart credit card ending in XXXX. This account was opened in XXXX and is current and in good standing. The other account is my former Capital One Quicksilver credit card ending in XXXX, which I opened in XXXX and closed in XXXX. I am unsure why these accounts were removed from my XXXX credit report. My XXXX credit report and ID are attached.
Product: Credit card

On XX/XX/year>, my XXXX  charged our credit card for some car parts from XXXX ( It was a charge of {$560.00} ). He told me about it, so once the charge was made and processed, I went ahead and started a My Chase Plan on it. After I began the plan, I realized that the XXXX charge was entirely refunded to us on the card ( my XXXX  didn't communicate this with me, and I didn't think to look for a refund on this amount on our card ). I called Chase on XX/XX/year>, to let them know that I had accidentally started the plan and I wanted to cancel it. The person over the phone told me that once the plan was processed, that it would recognize the refund and take care of itself. Since they told me this, I didn't think to follow-up on it until I noticed that the plan was still active later on. I called Chase back on XX/XX/year>, and explained the situation to them and asked them if they could cancel the plan. Their response was that once the plan is activated, they generally could not cancel it. The representative that I talked to that day said he would try to escalate it and see if their team could do anything about it. I asked him if they would be sending me a confirmation email once it gets processed and he said they don't do that and that if changes are made, that it would reflect on the card. He advised me to call back after XXXX business days if I didn't see a change on my account. During the time, I had a medical event I was dealing with and wasn't able to follow-up after XXXX business days, so I finally called back on XX/XX/year>. On that day, I was told that they had no record of my request on XX/XX/year>, and that they would try to escalate the issue for resolution [ again ] and to contact them in XXXX business days if I didn't see a change. On XX/XX/XXXX, I received a letter stating that they couldn't cancel the plan, so I decided to call them back that day. When I got a representative on the phone, the person stated that they could not cancel the plan anymore and that if I had called in earlier when the plan was activated ( which I did ), that they might have been able to do something. I asked to speak to a XXXX so they could explain to me why I had to pay an amount on this plan that had already been refunded. When I talked to the XXXX, she explained to me that the amount that was refunded was credited to a different MY Chase Plan I have active and that I wasn't really paying that amount. I understood that, but I asked her about the fees the plan is charging on a monthly basis. She explained that since the plan could not be cancelled, they couldn't do anything about reversing and/or stopping the fees that are being charged. I really don't think this is fair, considering that now I'm paying fees for an amount that was originally refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Accounts # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

My identify was stolen XX/XX/year> all my information and credit cards were in my purse. I reported all Finacial services and ordered new cards. Also reported to credit bureaus such as XXXX, XXXX, XXXX. I think XXXX put fraud alert on my social security which I have still not received a new copy of yet. I want file a complaint on information used. It appears I am receiving calls and email from debt collectors I didn't even apply with. Also, them using old address of mine to theft my credit. I would anything unfamiliar removed off my credit. Such XXXX XXXX XXXX etc list of debt collections. Also, all old address removed off my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I made my car payment on XX/XX/2021 from my mobile app but got no confirmation. The GM Financial mobile app would not allow me to take a screenshot stating " can't take screenshot due to privacy policy ''. The morning of XX/XX/2021 I tried calling GM numerous times but was unable to get through to anyone due to high call volume. 

I then received an email on XX/XX/XXXX that my account was 30 days late. This email told me that my mobile app payment clearly did not go through. I immediately ran to my office and logged into my GM account from my computer as I did not trust the app and paid it ( again ) as it clearly did not go through from the mobile app on XX/XX/XXXX. ( I made my XXXX payment as well at this time. ) I then called GM as well on XX/XX/2021 after making the payment from my computer and spoke with a representative who assured me that it would not be recorded as a 30 day late payment. 

Today, XX/XX/2021 I was notified by logging into my XXXX  account that my credit score dropped by over 50 points and that GM did in fact record XX/XX/2021 as a 30 day late payment. 
I would like this late payment taken off of my credit report for these reasons : 1 ) I made the payment on XX/XX/XXXX on the mobile app which clearly has issues and does not allow the consumer to take screenshots as proof of payment. 
2 ) I made the payment again on my computer on XX/XX/XXXX and was assured that GM does not report until the XXXX day and since the computer payment registered on XX/XX/XXXX it would not count as 30 days late. 
3 ) I was given misleading information as I spoke to GM again today on XX/XX/XXXX and was told that they record on the XXXX day and not the XXXX. If I am given bad information on what days will actually affect my credit it makes it impossible to maintain the credit score I have worked so hard to achieve.
Product: Credit card or prepaid card

I opened an Alliant Signature Visa credit card in XXXX, at which point the annual fee was advertised as {$59.00} ( with an associated cash back reward of 3 % ). In XX/XX/XXXX, they increased the annual fee to {$99.00} ( with cash back of 2.5 % ). I am required to pay my annual fee in XXXX of each year. After paying my {$99.00} annual fee in XX/XX/XXXX ( for the year covering XX/XX/XXXX - XX/XX/XXXX ), Alliant changed the terms of the card again in XX/XX/XXXX. They have now eliminated the annual fee, as well as the associated cash back reward of 2.5 %. Despite the fact that I've already paid my annual fee covering XX/XX/XXXX - XX/XX/XXXX, if I wish to maintain my cash back reward of 2.5 % after XXXX they are requiring me to open a separate Alliant High-Rate Checking account, maintain a balance of {$1000.00} in that account, and have a monthly deposit in that account. After charging me an annual fee of {$99.00}, they are changing the terms of my card -- midway through the year -- and eliminating the benefits I paid for through that annual fee. I must now meet new requirements, as if I were a new customer, in order to get the benefits I already paid for through the second half of my annual cycle. I would like for Alliant to refund my annual fee, which will no longer confer the benefits I originally paid for.
Product: Vehicle loan or lease

Good afternoon, I am writing to file a complaint and request an audit into Flagship Credit Acceptance business practices. I purchased a car with them in XXXX XXXX  XXXX and I pust {$6000.00} in cash to get the loan approved. I have paid on time until XX/XX/XXXX, my wife and I exprienced a financial hardship and are still going through it. I requested a loan deferment for the month of XXXX. I completed what was asked of me to get this done and I was under the assumption that everything was fine as I have made the request previously before with the same process. I resumed payments in XXXX and a few months later, I recieved a notification in XXXX  XXXX  XXXX that I was month behind. I paid XXXX payments in XXXX and expressed my frustration and it fell on deaf ears. As time went on, I made my car payments on time and everything was fine XX/XX/XXXX. I receieved a notification that I owed {$370.00} for XXXXXXXX XXXX payment. My payment is {$470.00}, Flagship updated their system in XXXX and customers are unable to see their payment history and live chat online isnt an option. I inquired about the {$370.00} ( two times ) through email and didnt receive a response. I assumed it was for late fees and I received a credit for over paying earlier this year. I scheduled some automated payments and the system didnt show anything out of the ordincary as I knew I had to pay XXXX and XXXX 's payment. 
I logged in XXXX to schedule automated payments and the system showed I owed for XXXX and XXXX, XXXX XXXXXXXX {$470.00}. When I logged back in to reschedule the payment on XX/XX/XXXX it showed I owed for XXXX, XXXX, and XXXXXXXX XXXX payment. I sent an email inquiring and spoke to a an agent. She couldnt figure out why the system was showing I owed for XXXX and I paid it on XXXX. XXXX XXXX requested an audit on XX/XX/XXXX as I was all of a sudden facing reposession and I have been going back and forth with customer service ever since. XXXX was supposed to call me back and I never recieved a call. I am getting conflicting answers and its beyond frustrating, whether its been credited or not. I was told last Thursday that the audit is still on going but its only supposed to take XXXX hours and it was requested on XXXXMaking these payments is a sacrifice and I need a credit for XXXX, XXXX ( paid on XX/XX/XXXX through XXXX XXXX ) , and XXXXXXXX XXXXXXXX payment ( paid on XX/XX/XXXX through XXXX XXXX ) and a deferment for XXXX payment. I have a copy of the latest email i sent them and will attach it in this email. I am requesting an thourough audit into my loan file and Flagship credit acceptance new system and business practices.
Product: Credit reporting or other personal consumer reports

GOT EMAIL NOCTICE FROM XXXX AND XXXX OF INQUIRY I DID NOT AUTHERIZE OR HAVE KNOWLEGE OF ON XX/XX/202XXXX XXXX XXXX XXXX XXXX  ON XX/XX/2024 XXXX XXXX ON XX/XX/2024 XXXX XXXX XXXX XXXX ON XX/XX/2024 XXXX FROM XXXX ON XX/XX/2024 XXXX FROM XXXX ON XX/XX/2024 XXXX FROM XXXX XXXX XXXX  I DID NOT APPROVE THE ABOVE INQUIRIES THIS IS FRUAD
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account # XXXX US DEPT OF ED/XXXX : Installment Loan, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

ADDRESSES XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX L XX/XX/XXXX
Product: Debt collection

I checked my credit report two days ago, and noticed two accounts from Enhanced Recovery for XXXX and XXXX, in the amounts of {$1900.00} and {$760.00}. 
I have never had any account with either mobile phone company. My sister used my information twice  and opened two mobile phone accounts in XX/XX/XXXX and XX/XX/XXXX. These accounts were not authorized and were opened fraudulently. I have filed an FTC fraud affidavit for the two fraud accounts.
Product: Vehicle loan or lease

I paid triple over the amount owed for my auto, Santander want release my title.
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by the tax consultant that my identity has been stolen because someone had already filed under my personal information. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$2700.00} XXXX XXXX {$2800.00} XXXX   XXXX {$2700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$590.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$400.00} XXXX   XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$740.00}
Product: Debt collection

Hello, I have absolutely no idea what this debt is. It says it is for a XXXX account but I never had any XXXX account. I was potentially cosgined on someone but that was about 15 years ago. 

I received absolutely no notification about this and the debt just appeared on my credit statement. 

I try to dispute it with XXXX XXXX but the company just says it is valid debt?? Ok but what is it??? There is not validation of debt letter. 

Is it past the statute of limitations? I have no idea because I do not know what it is and have not had XXXX for more than 15 years!
Product: Credit reporting or other personal consumer reports

I have submitted a dispute letter requesting an expedited response, accompanied by meticulously documented evidence for each claim that has been reported inaccurately in my consumer report. This misinformation has caused significant distress in our lives, including hindering our ability to secure housing for our family. Regrettably, I have been left with no alternative but to pursuelegalaction.
Product: Debt collection

Received phone call today XX/XX/XXXX from XXXX XXXX stating they are litigation office and trying to resolve a debt that I took out with Allied Cash Advance back on XX/XX/XXXX or XX/XX/XXXX I received two different dates from two different people. I don't recall this payday loan and plus I never received a letter in the mail. They called me from a local number XXXX. My Reference # is XXXX. The first call the lady was rude stating they are going to take me to court if not paid, then hung up on me once I said I don't recall this loan. I called back and spoke to a XXXX XXXX XXXX. They knew all my information and plus I confirmed it over the phone. I told him I never received a letter in the mail he stated they mailed it out on XX/XX/XXXX, in which I told them I never received because I go through ever piece of mail. I also stated that I was not going to make a payment over the phone if I don't know who exactly I'm talking to. He asked for my email address and said he would email me the letter through XXXX  He also could not confirm where I took this loan out. I feel this is a SCAM. I called Allied Cash Advance corporate number XXXX, they confirmed that I was never in there system. I fell this is a fraudulent call and I would like it to be alerted plus I don't want no negative action on my credit report.I looked up this company 's name on the internet and all I'm reading is that it's a SCAM don't give them your money. I'm willing to pay my debt if this is legitimate. I'm trying to build my credit at this time and don't want no fraudulent activity. Please help me detect if this is real company or not?