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

A review of my disputes indicates no ability to provide your own general statement. 
Add a statement According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on your credit report for as long as the item appears on your report and will display to any potential creditors or employers who receive your credit history. You may prefer to simply explain your specific circumstance when you apply for credit or employment.Here is their selection.

To add a statement, select a commonly-requested statement from the list below. You may also contact us by mail to add a statement written by you or submit your statement electronically at experian.com/upload.

Delinquency due to natural or declared disaster.

Delinquency due to extended unemployment.

Delinquency due to job layoff.

Delinquency due to divorce proceedings.

Bankruptcy due to medical bills.

I suffered bankruptcy due to business while I was self-employed.

Bankruptcy due to business failure.

Debtor has successfully completed a voluntary repayment plan of outstanding debts submitted by client and administered by XXXX XXXX XXXX XXXX of ... 
As example they allow a general statement to be made BUT only of their choosing! " Add a statement Opinion where is the consumers chice to add?

According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on self explanatory their selection or none!
Product: Credit reporting, credit repair services, or other personal consumer reports

My education accounts still reflect a negative status despite being awarded a total and permanent XXXX discharge.
Product: Credit card or prepaid card

On XX/XX/23, I discovered a charge have been made on my capital one card statements. The charge had been made on XX/XX/23 to XXXX XXXX XXXX. As soon as I discovered the fraudulent charge, I contacted Capital One and was assured that they would investigate, and that a temporary credit would be put on my account. Before I even hung up the phone with the representative I had received XXXX different letters from capital one via email, and their investigation was concluded. Before the call was ever complete. When I called back in about this, I was informed that because I had my card in my possession at the time that I discovered the fraudulent charge on my statement, I was responsible for the charge, and I made the charge. It should be noted, I do not have a pet. There is no reason for me to spend money at a veterinary clinic. Ive repeated that to them several times, and they are unwilling to investigate further or let me file an appeal. Apparently, although the rest of the world has heard about cloned cards, they stated to me that their policy law, ( their words, not mine ), states and mandates that if I still had the card in my possession, I mustve made the charge. Therefore, they will not return my money for something that I did not authorize. I have also now filed a police report with the XXXX Police XXXX. Report # XXXX
Product: Debt collection

This company never complied with the law. They never sent an initial notice that they were collecting and purchased the debt. This account is passed the statute of limitations for collection. THIS IS AN OFFICIAL CEASE AND DESIST!!!! THIS IS AN ORDER. Cease any and all forms of communication and collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I am writing to dispute the following information that appears on my consumer report. 
Dispute : TransUnion Acc # XXXX Acc.XXXX XXXXXXXX XXXX # XXXX Acc. XXXX Credit Bureau : TransUnion Date of Inquiry : XX/XX/2021 XXXX XXXX Credit Bureau : TransUnion Date of Inquiry : XX/XX/2021 XXXX XXXXXXXX XXXX XXXX : XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2. It states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

Our home loan was sold off to SPS Servicing , Inc., XX/XX/XXXX from XXXX XXXX. Our credit was so good XXXX gave us {$8000.00} towards the principal of our loan. We 've been trying since XX/XX/XXXX to set up ACH Payments every month. Was NEVER told we could do it online. After the 1st attempt ( sent voided check ) account number wrong. After 3 more times, they failed to read the documents & continued to put the wrong number account number for withdrawal. The 4th time I sent a fax. My bank puts a dummy account number on checks to defer fraud. 3 times I wrote the correct account #, but they failed to read it. They want to charge {$15.00} for a phone payment, {$15.00} for an online payment. I have called more than 10 times! Check the notes! I do n't think they want our money. So now, I 'll snail mail a check every month. They do n't get it? They can have the house. 
We have NEVER missed a payment since we bought this house XX/XX/XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX, I made a purchase online on XX/XX/XXXX at XXXX XXXX XXXX, the next day I received an email stating that my purchase violated their sales terms and conditions. I called customer for an explanation and they provided none but stated they will refer to Research and Resolution Dept.  My complaint is that I am being denied using my card online to make purchases because of an apparent unresolved issue with someone who live in my home. <P/>That is very unfair to me, I am being penalized for something I have nothing to do with. XXXX did not have a problem with me making a purchase in the store on XX/XX/XXXX with the store card. <P/>After getting the latest email from XXXX someone in my house did make a purchase in XX/XX/XXXX and was not even aware of being in a dispute with XXXX until I gave her the info I received. She will follow-up with them See email thread : XXXX, This order was cancelled because our records indicate the information you have provided was used in a previous dispute. On XX/XX/XXXX, XXXX XXXX  XXXX order XXXX was placed using a XXXX. On XX/XX/XXXX, this order was disputed for a total of {$55.00}. Until this disputed charge is reversed through the bank, we are unable to accept future orders. <P/>You were not charged for your cancelled order. Any pending authorization hold will drop off your account in 5-7 business days, depending upon your bank. <P/>XXXX XXXX XXXX XXXX Research and Resolution My Response : Dispute : Good Evening XXXX, I am disputing the accuracy of the email /investigation that you have sent to me. <P/>I am not in any dispute with XXXX for {$55.00} on a XXXX. If I have to make any purchases from XXXX it is always with the store card. <P/>Please re-investigate. My XXXX card number is XXXX provide me with the information on the alleged dispute. What was the item? what specific XXXX was it? <P/>I await your response. <P/>XXXX XXXX XXXX XXXX response : Hey XXXX, This disputed order was shipped to your current address + unit number, and the card was a XXXX XXXX ending in XXXX. <P/>I can not release any personal details on the order, but if you or someone you live with disputed this order, it will have to be reversed before we can accept any future orders. <P/>XXXX Research & Resolution XXXX XXXX XXXX My Response : XXXX, I XXXX XXXX XXXX or anyone in my household has a XXXX XXXX XXXX ending in XXXX. XXXX XXXX and XXXX XXXX resides with me. <P/>I double checked by reviewing our XXXX  account and no one in my household has a XXXX ending in XXXX. <P/><P/>Again, you need to re-investigate. <P/>I will not be denied using my card when I want to because of a dispute that I am confident does not come from my household. <P/>If this is not resolved and I continue to be denied I will report XXXX XXXX XXXX to the appropriate over-site agency. <P/>XXXX XXXX XXXX Store response : Thank you for confirming the other residents in your household. <P/>Attached, I have a file of the disputed order summary. We are unable to accept any future orders unless this dispute is reversed by the card holder. <P/>XXXX Research & Resolution XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

{$7800.00} One Main Financial - Disputed Information and they did not remove from my credit report XXXX # XXXX - Account Number XXXX - Disputed information and it was not removed from my Credit Report
Product: Money transfer, virtual currency, or money service

We use The Square as a method of taking payments from customers. Over the last four weeks, all funds in the account have been suspended and the company will not release the funds. They have requested additional information on several occasions that was supplied to them. THe most recent request for information reveals that there are two customers and they want an invoice on both of these customers. The invoices were submitted. In speaking with a manager on XXXX they are requesting additional information on the customer specifically : address, phone number, e-mail address. The customer feels that providing this information to this source is an invasion of their privacy and does not want it disclosed. They are also stating that they don't want the information disclosed because they believe the company sells their information.The Square is stating that they will not release the funds in my account until they have this information. I requested that The Square withhold a total of {$300.00} which is the total amount for both invoices and release the remainder of the funds since they are not in question. THey refused.
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 me the consume and my ferderally protected nonpublic personal information and rights to privacy and confidentiality under 15 USC 1681. 
FIFTH THIRD BANK NA Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights to privacy and confidentiality. 
15 USC 1681 section 602 A, states that I have a right to privacy and confidentiality.

15 USC 1681 section 604 A section 2, states that a consumer reporting agency shall not furnish information containing an account without my explicit written consent.

15 USC 1681c ( a ) ( 5 ) states that, No consumer reporting agency shall make any consumer report containing any information of the following : any adverse information of items, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information provided is inaccurate.
Product: Mortgage

CitiMortgage embezzled a total of {>= $1,000,000} from me and my now ex-husband in a fraudulent loan meant to steal all of our assets and make us beholden to them so we could not escape the debt trap. This loan was found to be fraudulent by the DOJ and CITI agreed to retribution but they did not pay us retribution. They foreclosed. 

Here is what they did. 

XX/XX/XXXX Completed a fraudulent mortgage application with the following frauds : 1. overstated the assets by $ XXXX so we qualified for double. 
2. removed property tax so debt/income ration was 'better ' 3 understated monthly payment by {$2400.00}! 
4. removed escrow requirement to get monthly payment to income ratio down 5 'cooked the books ' by changina 2 to a 7 to add {$500000.00} to assets 6. removed intl moving costs from debts to get assets up 7. ignored $ XXXX  in repairs noted on appraisal to get house price down 8. Gave fraudulent second shell mortgage to get their profit up. 
9. at closing the family was made penniless proving the mortgage was inappropriate for the family.

10. Intl. wire fraud as we were in XXXX  at the time of application 11. when we were unaable to make the mortgage payments they approved a $ XXXX HELOC in a process known as 'looping ' to make us unable to get away so they could bankrupt us and then foreclose to make the maximum profit. 
12. AFTER they signed an agreement with the DOJ admitting to this fraud and agreeing to relief for us the APPLIED FOR FORECLOSURE INSTEAD. 
13. They auctioned off our house for $ XXXX but wouldn't drop our mortgage to $ XXXX and let us keep our house after they defrauded us over over {$1.00} XXXX!!

14. Lied and refused to follow the agreement with the DOJ 15. In  XX/XX/XXXX they sold the loan to 'hide the body ' and make the fraud impossible for me to trace as they changed the mortgage loan number into a bundle number. 
16. They pulled all traces of the sale of the loan into the bundle that they sold on off the internet so myself and anyone else in that CMSI REMIC BUNDLE had no idea their mortgage was sold. It was putting concrete boots on this loan. 
17. When I complained to the CitiMonitor set up by the DOJ they informed me that CITI had refused to cooperate on the monitoring of my loan!!!! 

Embezzled {>= $1,000,000} between XX/XX/XXXX and XX/XX/XXXX 2019
Product: Debt collection

I never even knew anything about that they are saying was mine. American Express hired a law firm to take it to court. This case was dismissed with prehudice on XX/XX/2020. Why is American Express sending me a email saying I missed a payment on XX/XX/2020 when the case has been settled and the account ( which was never mine to begin with ) has been closed? Please see attached images for my proof.
Product: Vehicle loan or lease

I am writing this request because of how many stress this specific item on my credit created I ask the company CREDIT ACCEPTANCE MOTOR to delete this information on my credit because its creating damage to everything I have. This repossession was voluntary sent back to the bank because of illegal act they backed up the mileage on the car and sell the car so right when my mechanic was viewing the car he told me I should send it back to the bank and let them sell it because it is very illegal and they were involved in a lawsuit couple years back I started to drive the car car and the mileage just started to move fast. I started to make reports to the police station while I was in XXXX and then I moved to XXXX  I called the credit bureau and they said I have to make a report to consumer complaints, so now Im here. Im not sure whats gon na happen, but I am requesting a deletion from all three credit bureau because they are really hurting my credit and I really want to buy a house in the future and its really stopping me from growing as a young person, they have the car in their possession, they sold it and they still recording an accurate amount on my credit report all three credit bureau and they are giving me different numbers of the company. Im currently sending in some letters to see what they would do but I come here to report it or deletion, and with the law, it says any inaccurate on authorization inquiry that I did not authorize should be automatically deleted from my Credit Report. I wanted for you guys to put Credit Acceptance motor out there in public because they are hurting peoples credit and they are stopping peoples life from living and theyre causing a lot of damage within the homes by stressing individuals.
Product: Debt collection

On or about XX/XX/XXXX, I incurred a debt with XXXX XXXX owned by XXXX XXXX XXXX XXXX.  I received my last billing notice about XX/XX/XXXX.  I made no further payments.  XXXX XXXX XXXX XXXX SOLD my debt to PORTFOLIO RECOVERY ASS, LLC.  The Florida Statute of limitations ran XX/XX/XXXX, I was absolved from this debt according to law.  Between XX/XX/XXXX and XX/XX/XXXX, I corrected my credit issues and purchased a home with a mortgage.  There were no collections on my credit report at this time.  By approximately XX/XX/XXXX, PORTFOLIO RECOVERY ASS., LLC, contacted me in an attempt to recover this debt.  I filed a complaint with both Credit Bureaus.  I was informed that this debt was on my credit report since XX/XX/XXXX, which is clearly incorrect.  I have attempted to work with PORTFOLIO RECOVERY, without avail.  This blemish needs to be removed from my credit history immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/XXXX ), ( XXXX XXXXXX/XX/XXXX ), ( XXXX XXXX XXXXXX/XX/XXXX ), ( XXXX XXXX XXXXXX/XX/XXXX ), ( XXXX XXXX XXXXXX/XX/XXXX ), ( XXXX XXXXXX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card

XXXX ) I made payments on the amount due on my credit card in XXXX XXXX XXXX. 
XXXX ) In XXXX I was notified that my payment was late. I contacted the company and they opened up XXXX case numbers. 
Case XXXX XXXX for payment of {$200.00} Case XXXX XXXX for payment of {$53.00} XXXX ) XXXXXXXX XXXX XXXX XXXX I faxed a XXXX page document with proof from my bank that these payments had been withdrawn from my checking account on XX/XX/XXXX. 
XXXX ) I set up auto payments of {$25.00} so my account would not be flagged as having late payments while they researched why my payments had not been credited to my account. 
XXXX ) In XXXX I called again and they asked for additional information on the payment of XXXX and transferred me to a different department. They then saw that they had all the information they needed to resolve the issue and told me they would reach out if they needed more info. 
XXXX ) On XXXX XXXX XXXX I called again and was transferred to a supervisor called XXXX from Credit Card Services who said it was still being researched and I needed to wait. XXXX  could not resolve the issue for me or transfer me to someone who could.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report on XXXX XXXX XXXX account additionally XXXX  and XXXX followed the law and deleted the accounts, This is clearly fraudulent information that Equifax is still reporting so it needs to be removed immediately per the FCRA 15 U.S.C. 1681 and 15 U.S.C. 1681c-2 ( a ). I have attached evidence of Equifax reporting this inaccurate fraudulent information. Furthermore, Equifax and XXXX are reporting XXXX XXXX XXXX inaccurately, and non congruent when XXXX had removed the fraudulent account, this also needs to be reporting accurately per the 15 U.S.C. 1681.
Product: Credit reporting or other personal consumer reports

this is the XXXX  or XXXX  dispute i have done on this XXXX  reporting company. I spoke to the XXXX XXXX  and this company is in violation. I mailed them a couple disputes with proof on the XXXX of XXXX this is the XXXX  one the first was mailed back. So I got proof this time. Make them do their job because I am told I can file a civil suit. I have proof of all my contacts.The XXXXXXXX XXXX XXXX is also taking the info that neither XXXX of you will do anything
Product: Vehicle loan or lease

I am being charged XXXX from Kia. It was never brought to my attention disposition fee to turn it in and a sales tax of XXXX. They say it was in the lease but i would not have bought it if I knew. They say if I lease of buy another car from them it will be waived, I am now XXXX and can not buy another car. Plus m6 car was XXXX miles under the lease agreement but they wont give me anyth8ng for that. Not fair. I can not afford to pay this. I spoke with the finance end of it and they said n9 way 8 have to pay.
Product: Credit card

I accepted a credit card offer from a company XXXX XXXX on XX/XX/year>. I was soon sent a Milestone Mastecard that was supposed to have a {$1000.00} credit limit but only had {$750.00} limit due to an annual fee that is assessed immediately upon opening the account. I accepted the terms and tried to use the card but was blocked from doing so due to security concerns. I was told to fax a copy of my state issued ID in order to remove the block which I did. Today is XX/XX/year> and I haven't been able to use the card at all. The account is also being reported to my credit report with a {$250.00} balance when I didn't even use the card once.
Product: Mortgage

On XX/XX/2019 we requested payoff of the loan for a home closing. We did not receive the pay off until XX/XX/XXXX. The pay off was dated XX/XX/XXXX meaning there was 10 days of additional interest paid to the loan company. As well, 3 days after the payoff check was received another {$1100.00} mortgage payment was withdrawn from bank account. This is very frustrating that my account information is not updated on the system clearly for the representatives to see. For instance they did not have record of my updated bankruptcy attorney. The process was drawn out and tedious costing me additional money and time.
Product: Credit reporting or other personal consumer reports

The following XXXX accounts need review from you XXXX XXXX XXXX XXXX  has a Last Payment Date of XX/XX/year> which is incorrect. It is also an account that is closed and has a monthly payment of {$400.00} per month. XXXX XXXX continues to say that the account is accurate. I understand that it is not like that. I would like this account to be deleted because it is not accurate. 

The next one is XXXX XXXX, it has a False Last Payment Date, nor does it present a pattern of XXXX days late before it was Charge Off by the account provider. I wonder if this is XXXX percent accurate.
Product: Credit card or prepaid card

Signed up for XXXX XXXX XXXX with XXXX bonus points after XXXX spend. Spend was met and the points showed on the statement ending on XX/XX/XXXX. No points arrived by the beginning of XXXX. Contacted company over chat multiple times over multiple dates and kept being told by agents points would arrive in 1-2 days. Escalated to managers and kept being told the same thing. Manager as well as multiple chat agents in writing guaranteed me that I have earned the points and would receive them. Phoned company on XX/XX/14 and spoke with an agent that told me that the problem lied on XXXX 's end, and told me to call XXXX. XXXX then told me that the problem was on American Express 's end. 

Company wasted hours of my time contacting them as well as chasing down dead ends, and still has not posted the points to my XXXX  account as promised. Travel plans were nearly ruined on incomplete promises made by the company about when I would receive the promised bonus points. Looking at the transactions on the account, I have spent over {$12000.00} and have had multiple agents promise me in writing that the points were earned and would post, but those promises continue to be broken. American Express bills itself as a premier company, but it seems like I'm working with XXXX XXXX at this point.