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

15 U. S.C. 1681 SECTION 602 ( A ) States I have right to privacy 15 U.S.C.1681 SECTION 604 ( A ) SECTION 2 : It also states a consumer reporting agency can not furnish a acount without my written instruction In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXXXXXX Account # XXXX has violated my rights XXXX Account name : XXXX XXXX  Account # XXXXXXXX XXXX  Account name : XXXX XXXX XXXX  Account # XXXXXXXX XXXX Account name : XXXX XXXX Account # XXXXXXXX XXXX  Account name : XXXX XXXX XXXX Account # XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I our shaded a vehicle last XXXX and it broke down the first day. Company advised me to keep the car til information from the doc come back and then trade it in. Which was done last year. The 2nd car they gave me has been total loss 3weeks ago, so insurance paying it off. I went to get another car but no one will give me one because the first car that broke down is on my credit, and it says 5 payments were made and payed off. I never had to make a payment nor paid it off. Want take it off and I cant get a car anywhere because of there mistake. They handed me a paper stating the car is paid off and in good status but that never happened. I explain thats stopping me from getting a car. They told me to get it off. I really need help. I cant go to work becatno transportation now and they want remove it immediately off my credit.its incorrect on my credit report because the car was also turn in and traded out for the car was wreck.something went wrong and not willing to go to credit bureau to get it remove cause of there mistakes.this is a emergency situtand I do have the letter Wagner gave me.
Product: Mortgage

I refinanced my FHA loan XX/XX/2015 through a program to reduce my mortgage insurance. HomeBridge Financial Services acquired my loan at that time and began harrassing me by calling repeatedly ( while I was at work on my cell phone and on my work phone ) about paying my mortgage, even though the checks I sent in were cashed! 

Now I have a new, VERY serious problem. I have received Notices of Delinquent Secured Taxes with late penalties of over {$1200.00} due to the fact that no one has paid the taxes on this property. This is completely unacceptable and I will not be held liable for these late charges. I was NEVER told that I would be responsible for getting the taxes paid. This is an FHA loan and therefore an impound account is assumed and it was my understanding that this is n't something I have to worry about or handle on my own.
Product: Debt collection

This is in regards to case Number XXXX. I have sent you another letter about Advantage Financial Services. I have proof, and will present it at a Schudule hearing on XXXX XXXX. I have already informed you about it in the past. 
Advantage Financial Services signs their own complaints. No attorney signs them. I have found that to be so in our case and I am in connect with another person that it has happened to. The signatures on the Complaints are not AFS 's attorney. I have seen the XXXX signature, the signature on our complaint, and the signature of this other person. I am telling the other person to also file a complaint. I am not including her name here because I do not yet have her permission to state her name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I dont recall the dates but money has been taken out of my account without my consent. XX/XX/21 amount was around XXXX
Product: Credit card or prepaid card

Capitol One has placed my accounts in suspension and froze both my cards, that I've had for years with them due to suspected fraud. I was advised that because I have added and removed authorized users my account was being flagged and was initially told that the front and back of drivers licenses are needed for all persons ever added, regardless if they have spoken directly with and are no longer on the account for verification purposes. Once that was submitted, I was told they needed social security cards ... once that was submitted, I was told they all needed to be signed. I even submitted a passport for one in leu or a social for verification and they are refusing to release my account. They have advised me they have to verify that the persons added are real people and that they need to have their information to ensure they do not take over my account. The confusion is that only one card had authorized users and some users had previously contacted Capitol One. They are being very misleading and seemingly don't want to resolve the concern. I am forced to make payments on an account that I can not access or risk having my credit negatively affected.
Product: Credit card

I applied for an American Express Platinum card on XXXX/XXXX/2016, with a bonus of XXXX points attached to the account. I tried to meet the spending requirement of this card by using it to make big upcoming purchases, such as airline fees, dental services, and prescription for my health issues at my local store ( e.g., XXXX XXXX ). I met all of the requirements, and the bonus posted on XXXX/XXXX/2016. However, my points got retracted on XXXX/XXXX/2016. When I called customer service to ask for the reason, I was informed that there was a " misuse '' of points and some purchases were not qualified for the minimum spending requirement. 
First of all, I do not understand what it means by " misusing '' points, as I have never used any single point in my account. Second of all, I am not exactly sure why American Express thought it was a good idea to post my bonus point 3 months ago ( which obviously indicated that I had met all of the requirements ) only to take back all of those points today. This is misleading to customers, and I think that American Express is doing this on purpose in order to bait customers into using their cards without having to give them any points. If some of my purchases were not qualified, then why would the bonus points got posted? If I had known that some of my purchases were not qualified, then I would have used my card more in order to meet the minimum spending requirement. 
I went overseas for a couple of months in the summer, and was not able to use the card. If I had known about this, I would have made more purchases before I left in order to receive the bonus.
Product: Mortgage

A lot of breaks and defects in the chain of title. Subordination of Mortgage dated XXXX Document # XXXX : Waived priority to XXXX XXXX Mortgage XXXX as evidenced in documents. According to XXXX XXXX Mortgage, the mortgage is a XXXX mortgage : When I put in The MIN # XXXX, it directs me to XXXX. I put my name and Social Security Number in the boxes to submit to investor which directs me to XXXX as investor. XXXX XXXX, XXXX Verification of debt for home equity account is JPM Chase. XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX, I requested PROOF OF OWNERSHIP REQUEST documentation. Specific information is in the listings As of this date, none of these request for information have been. I do know what is listed in XXXX XXXX Records namely the above waiver and the XXXX XXXX Mortgage with XXXX A XXXX document # XXXX is evidenced XXXX as present legal owner. A list of statements have been sent to address this issue. Chase claims to be investor and owner of document XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX. XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXXXXXX XXXX ) XXXX  Balance : {$6300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Beginning back in 2020 my information was compromised in several attacks that occurred over a for year span between XXXX, XXXX XXXX, XXXX XXXX, XXXX which works on behalf of my XXXX coverage XXXX XXXX XXXX XXXX XXXX. As a result I am filling out this complaint as I am a XXXX veteran who was injured in the line of duty who had multiple issues with my personal data and secured information from banking, social security number, debit cards, emails, documents were exposed over several data breaches. I have notified said companies and credit bureaus with all documents to help assist me in this matter. Yet I have been targeted by debt collectors and companies who do not want to help yet they treat and talk to me with disrespect and treat me as if I am a criminal and furthermore they try to intimidate me into paying on accounts or even paying back money or items I never purchased or loans I never applied for. I have tried to be as helpful as possible this has caused several issues within my marriage my personal business life and a direct hit to my character reputation and my physical and mental health and which it has made things worse because it has been very difficult for me to get my restored. These attacks occurred during times were I was either dealing with a major surgery or I was in the hospital and because of my health issues I was unable to notice this or I was not capable of contacting said companies. Due to my health issues and both mental & physical health I would not been able to physically or verbally consent to these accounts. I have been both verbally abused and accused of opening credit cards or applying for loans. I have contacted companies directly debt collectors and gotten police reports Identity theft reports locked my credit file and yet these companies keep insisting I am not providing enough evidence. I am on the verge of suing all companies and bureaus involved because all this did was push me further into XXXX and has made my XXXX and XXXX become worse, I have even contemplated taking my life as this has ruined me and caused me to not even be able to get things for my family my wife and kids have suffered the most and that what hurts the most not being able to obtain the things I want and need for them. I wanted to move to a new state and purchase a new home but this is hindering my progress, my car notes and bank accounts have been closed and my cars are on the way of being repossessed because of the fraudulent activity has caused several returned check fees that total more than {$10000.00} between both vehicles.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, we got a Home Depot Credit Card to purchase XXXX refrigerators. Putting them on the card allowed us to get a good discount. On XX/XX/XXXX, we spoke with an agent who gave us the payoff amount and we paid the balance in full. On XX/XX/XXXX, we were billed an additional {$42.00} late fee, which was incorrect. We disputed this charge with Home Depot Credit Card, but eventually paid it after being threatened that if we did not pay it, it would go on our credit report. We paid the {$42.00}, and our balance was {$0.00}. But now Home Depot Credit Card has reported this to our credit. We have asked numerous times to have this removed, only to be put on hold and disconnected from the call each time. Based on this terrible bait-and-switch service and fraudulent treatment on the part of Home Depot Credit Card, we have asked several times to close our account, yet as of today XXXX XX/XX/XXXX XXXX, our account is still open with a fully available credit limit. The treatment we received is clearly unfair and deceptive, and is consistent across everyone we spoke to ( even after spending an excruciating amount of time trying to get to a live agent ).
Product: Credit card

I purchased a replacement windshield from XXXX XXXX XXXXXXXX in XXXX, CO for my truck on XXXX, XXXX  and paid {$680.00} with my Elan Credit card.The windshield installed had a manufactures defect with distortion in the glass obstructing the field of vision. The dealer knew or should have known the manufactures defect was present at the time of installation. I promptly contacted my credit card company Elan Customer Service XXXX and was advised to " contact the merchant ''. I contacted the merchant and was stonewalled. I then engaged the professional assistance of the XXXX XXXX XXXX XXXX XXXX XXXX of Colorado for assistance. The XXXX  was stonewalled by the merchant as well. I then filed a formal dispute with Elan, my credit card company who has denied posting the {$680.00} credit to my account after I followed their recommendations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth complaint about Experian. Experian refuses to remove and block XXXX XXXX Home Mortgage from my credit file. Someone without my knowledge or permission used my personal information to open a Mortgage loan in XXXX 

I filed a police report with XXXX Police Department and forwarded the police report to Experian. 

Experian asked me to send the police report to them again. I sent the police report to Experian along with identifying information. 

Experian then told me that XXXX XXXX Home Mortgage certified that the account is accurate and it belongs to me. 

How does the account belong to me when I clearly sent a police report in to Experian that says I have been a victim of identity theft.
Product: Credit card

Filed a not as described claim with Capital One on XX/XX/XXXX Amount XXXX Merchant- XXXX XXXX XXXX XXXX  a celebration charter for our XXXX anniversary, I was promised decorations and a surprise entry. There were no decorations and the crew celebrated by drinking and smoking during our charter. I initially requested XXXX from XXXX, but was denied compensation. XXXX XXXX XXXXXXXX provided XXXX, and I refused that amount. I then presented a dispute for XXXX with my bank, and was also denied compensation. Capital One stated there was no contract, but there was an invoice and emails stating that the owner did not do as promised. The credit was returned to my account twice, and finally I was told I needed a contract? Also the dispute was extremely confusing because Capital One combined my dispute with XXXX XXXX refund that I refused. ( Same account number? ) When I would call to inquire they were not able to understand what case number I was addressing. It was very confusing and I requested they fix it, it was never done. 

I feel as if I should be compensated because I made the purchase under false advertising. This charter specializes in celebrations. We did not celebrate, the crew was fishing and partying during our charter. I brought a playlist, the DJ played what he preferred. The captain and crew were drinking and we were served our cold meals with the crew. I presented pics as well, and XXXX does not promote drinking during the cruise, but the owner and crew can drink? I took pics because I was not celebrating and I was bored the little time we spent on the yacht which was approximately XXXX minutes and they were fishing. It was suppose to be a XXXX hour cruise celebration. 

Again the owner agreed to his failure to provide services via text, which I submitted as well. Only to be told I need a contract? 

I feel the dispute was handled very carelessly and you can see they even apologized and told me to disregard the letter sent on XX/XX/XXXX? Also sorry for any inconvenience, well the entire process was an inconvenience, plus I received XXXX dispute updates and resolutions? With a dispute and refund combined with the same case number? Completely frustrating and tiring.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Enhanced recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against enhanced recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. Best Buy acct. Thought to be a soft inquiry. Turn out to be a Hard inquiry. Already had the existence acct for a increase. The individual did not make it clear. To eliminate the hard inquiry, they can reduce my increase. Just want that hard inquiry off my credit reports
Product: Credit reporting or other personal consumer reports

XXXX failed to do a proper investigation for fraudulent items on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 went to Wells Fargo Bank located in XXXX XXXX, SC and wanted XXXX XXXX dollar bills converted to XXXX single dollar bills. Denied service because I was not an account holder.
Product: Checking or savings account

My husband passed away and Citizens bank began charging really high fees for an overdraft count and did not notify me of the overdraft charges. I asked them to remove the charges nd close the account. They would only remove 2 which is not fair to me. I did not know it was negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, XXXX and natural person am a victim of identity theft. XXXX equifax and XXXX has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. These credit reporting agencies also known as financial institutions have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. These agencies are in direct violation of the FCRA and Gramm Leach Bliley Act of 1999.
Product: Debt collection

XXXX Mortgage is reporting that we did not pay for 30, 60, and 90 days- XXXX and XX/XX/22. We OFFERED to pay and we instructed not to pay because the loan modification was changing from a XXXX FHA modification to a NON Residential modification. ( XXXX Account Supervisor ) The account was locked on line and when we talked to XXXX in XXXX on XXXX we were instructed not to pay but to wait for the loan trial period to end ( which we had paid on TIME ) Shellpoint posted the only negative marks against my credit for XXXX consecutive months during the poorly handling of the loan. We had a loan modification program and paid on time always. I was also told that these marks would be removed after the program was finished but we decided to sell the house instead. Please remove the late payments because we tried to pay and were never late. I have not been late on any payment for 15 years. I lost my job to XXXX related problems cause by XXXX XXXX and we had to use the forbearance program. Please remove these marks and contact me with any questions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I paid XXXX {$3300.00} plus fees to send {$3300.00} to my relatives who are XXXX XXXX  living in XXXX, to be paid out to my nephew, XXXX XXXX. When he arrived at his usual bank in XXXX XXXX XXXXXXXX to receive the money on XX/XX/XXXX, he was told that it had been received on XX/XX/XXXX. I filed a complaint with Moneygram and they opened an investigation - Case XXXX. On XXXX, they concluded that the money had indeed been picked up by XXXX. I requested that they send me copies of the signed receipt, the identity document, and photo or video of the individual receiving the remittance. They only sent me a receipt, signed by " XXXX. '' I replied that XXXX speakers always sign by surname only, so it should have read " XXXX '' and been in the XXXX alphabet. At the very least, it should have read " XXXX. '' I also translated parts of the receipt and discovered that the money was disbursed in a suburb of XXXX on the XXXX side, over XXXX miles by plane. I pointed out that this cash infusion was urgently needed since they were out of money for food and needed most of the money to renew their residency and family medical insurance in advance of an impending deadline, so XXXX certainly did not have money to travel to and from XXXX in one day. XXXX also does not speak XXXX so he lacks the ability to travel independently. Moneygram has not replied since then, nor have they supplied the rest of the evidence that they must have assembled in order to reach a conclusion on this case. This leads me to suspect that a Moneygram agent hacked into their system and obtained the transaction information and used it to receive the money himself or herself. Otherwise, Moneygram would have sent me the evidence by now.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX, XXXX 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 an account without my written instructions.