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

This is my numerous attempts to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX calls upwards of 15-20 calls per day. 9 ( Nine ) times I have asked for them to not call me anymore and have blocked 22 of their numbers after asking the first time. I was told on the last I demanded them to stop calling Too bad, pay or Ill be calling you back in an hour. 

In fact, I just got that call back typing this ... 

I was encouraged by counsel, not retained only inquiring for relief, to contact you about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT!!! 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Re : XXXX American Express Sir/Madam : I am writing to seek help to resolve a fraud claim that is equivalent to {$11000.00} which is a great amount of loss to me financially. On top of that, my credit rating is affected when my XXXX American Express account was closed.

I strongly feel that the handling of this case is very unfair to me based on the following : 1. I am not provided written proof of purchases or explanation as concrete basis of why my fraud claim was denied. The proof of purchases that should have been provided will show that I did not sign on the credit card charge slip of the expensive items purchased.

2. Without being provided this concrete evidence, I feel discriminated when after I exercised my rights to file a fraud claim, XXXX American Express closed my account, denied me credit and forwarded my account to collection department.

3. I have filed a previous fraud claim but in the letter ( see attached ) denying my fraud claim it is indicated that the decision was based on account history and notes and not on concrete proofs establishing the responsibility for the fraudulent purchases.

4. I feel it will be unfair for XXXX American Express to collect the above mentioned amount and any related finance charges because of failure to present the requirements of a thorough investigation.

5. I have been a loyal XXXX American Express credit card holder for a very long time and I am proud to claim that I am in good standing, always paying on time.

I will very much appreciate your help for a reconsideration to reverse the decision made and restore my account status.
Product: Checking or savings account

My account was going in negative knowing money wasn't there and over charging
Product: Credit card

Received correspondence from Barclaycard regarding Application : XXXX, XX/XX/2016. We need to verify the address listed on your application. Please send an original utility bill or bank statement with your name and address. 
NEVER APPLIED FOR A Barclaycard Visa with Apple Rewards. 

This is a repeat action less than six months apart from BARCLAYCARD. Please cease application. This is a fraudulent application.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my XXXX XXXX and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX XXXX  XXXX {$300.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX & XXXX XXXX {$390.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  XXXX XXXX XXXX {$32000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DISCOVER BANK {$200.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$3600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Credit reporting or other personal consumer reports

Did not authorize two Navy FCU hard inquiries that I would like removed immediately
Product: Credit card or prepaid card

I received a card with a bad magstrip. 
I called the number on the back of the phone which was about a 45-minute wait on XX/XX/23. They said they would send me a new one XX/XX/23 I haven't received a replacement so I call them back up and go through another 45-minute wait. They say to wait it out XX/XX/23 I call them up and tell them it still had not arrived. it's another 45 minutes they tell me to email XXXX because they left the apt number off my request. 
XX/XX/23 their email service says they can not find my claim. 
XX/XX/23 I send them the gift card number and the code on the back, and they say I will have to call the number which requires 45 minutes of waiting to get an 8-digit code for a case number. 

They have intentionally long hold times, they have been shuffling me around left and right. I have already spent about 4 hours trying to get a birthday gift to work. This is unacceptable
Product: Credit card

I have two cards with CapitalOne, and I made a {$150.00} payment and {$25.00} to each card. I just saw a past due fee on my card, XXXX, and I called in to get the past due fee waived. I was advised the {$25.00} payment was returned, and I paid it, but CapitalOne refused to waive the late fee. They blamed it on their system and showed no compassion when I told them I had lost my brother and I had a good record of payment. I spoke with XXXX, the account manager. I even asked if a customer has a lot going on and if there should be a way you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2024
Product: Mortgage

My original mortgage servicer, XXXX, was bought out by LoanCare. When LoanCare took over, I received a new address and loan number to send in my payments. I did that timely for each month the loan payment was due. After month one, XX/XX/XXXX, LoanCare said they did not receive my payment. I let it go thinking they needed time to find me in the system. After month two, XX/XX/XXXX, my payment was again not received, or so they said. What was really happening was my payments were not being applied to my account specifically due to their error. After speaking with them on multiple occasions, they could see the payments were made but had been pointed to the wrong account. I was told initially that they would handle the problem. The final time I called, because I received another letter ( or two, I can not remember ), that threatened fore-closure, I was told that it would be taken care of in 3 days. That was XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating that I was in Pre-Foreclosure! My loan is not in arrears and the company, LoanCare is absolutely in error with my payments!!
Product: Debt collection

Synovus refuses to update all three credit reports with correct and factual information as it pertains to my consumer credit file. This company is not cooperating with us, payment was paid in full on XX/XX/year>. The company sent a paid in full letter to my email and is now trying to say they didnt receive payment, they in fact sent you a letter that the payment was received and the account was a XXXX balance. This inaccurate reporting of this transaction has stopped us for the 5 month on buying our home.
Product: Credit card or prepaid card

I opened the account and set up automatic payments at the time of transfer. However, I just found out that there was a missed payment somehow and when I tried to access my online account their system was saying that they were having a technical difficulty and to try again. I tried again 5 times. Then I called to make the payment manually and the guy on the phone disregarded my caution that their online system isnt working and followed through with the payment. I then put my account on auto pay with him over the phone like I did the first time I signed up for the card. I still have no access to online account and it is on some weird loop that never lets me into the actual account. The small balance overdue of XXXX has been paid. I also discussed that I never got a call or email regarding the missing payment method and there wasnt much said about that either. Not sure how this happened but would like to get it squared away so that I do not have a missed payment on my report
Product: Debt collection

My old apartments claimed I owe more than they sould have when I moved out and sent me to collections for the false debt because I refused to set up payments for the wrong amount. After several months the aparments corrected their error, did not offer to set up payments and left me in collections. 
The collection agency posted the false amount on all XXXX credit major credit reporting agencies. The collection agent has all the documentation which clearly states what could and couldnt be charged but still reported the wrong amount. I called and could not get them to correct the issue and was even told to " Learn how to read my lease ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When reviewing my credit report, I noticed a new credit card account was opened fraudulently XX/XX/year>. I reached out to the credit burea ( XXXX XXXX ) who told me I needed to file a report with the FTC in order for them to be able to take action. I also reached out to the credit card company ( Current ) who told me they could not give me any information but the fraud department would email me within a few days. Let me know what other information you need. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 

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

I had been receiving a number of letters to my old address ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX ) saying that I owed money to XXXX XXXX. After calling the number on the letter it became apparent that it seemed like more of a scam. 

This was confusing as I live with my parents, do not own a property and at the time the so-called account was taken out I was only XXXX XXXX XXXX. As I felt it was a scam I just left the account and heard nothing more apart from the odd letter i received every no and again. 

I have never missed any payments on loans etc and have spent the past few years building up my credit score and when I recently checked it had gone done by like 500 points in one month. After doing some digging it seems I have a payment gone into default for circa XXXX. I have never had an account with XXXX XXXX, I don't own property as I live with my parent 's and the account was supposedly taken out back in 2015, at that point I was XXXX XXXX XXXX so it would have been impossible to take an account out. 

I have contacted XXXX XXXX and the only response that I ever get is them requesting an account number, which I can't provide as I do not have an account with them and never have. 

I keep getting refused for credit which is becoming increasingly frustrating. I am also looking at getting a mortgage towards the end of the year and with this false information showing against my credit score it is going to be impossible. 

Your soonest response would be greatly appreciated as this has been going on for 2 months now and I don't seem to be any closer to.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX 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

I have filed a number of complaints against Sears MasterCard and again I find the company has charged me a late fee of {$35.00}. XXXX when in fact a check was written for the amount due and postmarked with at least a week prior to due date. I am referencing check number # XXXX in the amount of {$340.00}. It appears Sears MasterCard did not process the check until after the due date leaving the consumer to pay its late fee.
Product: Checking or savings account

On line purchase from   XXXX   XXXX   purchase  XXXX / 17  Charge to my   XXXX   XXXX   {$63.00} This amount included {$19.00} for  30 tr ial  P & H cha rge of {$29.00} tax {$13.00} The cancellation for the item was placed on the   XXXX /17    XXXX   XXXX   received their product back at the  XXXX  GA  location   XXXX /2017    XXXX   XXXX  I was billed twice to my checking account    XXXX /2017   and again  X/X/  2017  in the amount of  XXXX . I have spoken to   XXXX   XXXX   and their finance    Company Monterey Finanical over a ( 2 ) month time frame without resolve.      Illegally charged without my written express permission.
Product: Checking or savings account

I recently started to use a chime account I have had for a while because it allows early access to my XXXX XXXX XXXX I found that some how my account is be accessed fraudulently and using my account as they will on a XXXX XXXXXXXX  thats also fraudulent because the account I had was closed due to misuse by other people. Im also being charge by a XXXX XXXX or site that I have no knowledge of. I reach out to them but I got no answer in phone or reply email. I disputed the charges with chime and was giving a provisional credit but before I knew it was there it was sent to someone on XXXX XXXX  and XXXX XXXX I told them that I dont currently have a XXXX XXXX and I dont know this site. They denied most of the disputed charges and reversed provisions that were give. Even tho i never spent any of the credit. I havent allowed anyone access wnd My card hasnt be stolen so idk how this is my fault. Im only living off that right now and they have allow more than if it to be taken at my expense.
Product: Mortgage

I am filing a complaint against Loan Depot .com LLC. The following is a letter I emailed to them about my horrific experience. They made a credit check and a loan application for me which was not requested or asked for. They sent my personal information through the mail twice without a reason or consent to do so. 
I called the company on XX/XX/2020 and told them of my complaint and they mailed me a second loan packet instead of removing my information as I had requested. This company is fraudulent and should not be allowed to deal with the public. 

Loan Depot President, I called for a quote on loan mortgage rates only!!! I had the unfortunate luck of getting XXXX XXXX on the phone. 

I told her we only wanted a rate quote and she took my information and it took sooooooooo long that I almost hung up on her several times. 

She not only took over an hour of my time on the phone, but I receive in the mail a huge loan package. 

I was not making an application for a loan. Only trying to get a rate quote. 

I am so livid that she ran our credit and then has since sent me two huge packets in the mail with all of our personal information inside. 

Wow, what a waste of my time and paper, and putting my personal information at risk. I can't even tell you how angry I am at loan depot and XXXX XXXX. 

Remove my credit score run immediately and remove all of my data from any and all of your information storage. 

My name, number and information better not be sold or get leaked to anyone. 

I am also filing complaints with the XXXX  XXXX XXXX  and all the credit outlets. 

So Angry and Upset XXXX XXXX
Product: Credit card or prepaid card

On  XXXX   XXXX ,    2017  American Express Centurion Bank a nd American Express Serve  fraudulently filed a chargeback dispute in my name, WITHOUT my permission, for a transaction (  XXXX   XXXX ,  2017  ) that I authorized OVER 90 Days ago. They filed the dispute with  XXXX  stating, in my name, stating that I did not recognize the transaction which is an absolute lie as I signed my name to it. Also there is a statue of limitations and the transactions that they are disputing in my name took place more than 3 months ago. They refuse to cancel the dispute that I did NOT authorize nor file.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is fraudulently reporting an account on my name that does not belong to me. When I previously contacted the company, I was advised that this credit was from my college that I was attending at the time, which I came to find out was not true! This company is reporting this account on my name with an incorrect address and contact information attached. I have never resided at this address. I also would like to see the contact information that this company has on this account, as well as the banking information that they claim to have received payments from. Nothing associated with this account belongs to me and I have also filed a police report with the XXXX Police Department regarding this as well! This account needs to be removed from my name and credit profile/reports immediately, as I am willing to acquire legal aid regarding this as well.