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

I dont see XXXX Credit card account on my report it looks as if you guys removed it. Please update my account on my credit report.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts as follows XXXX XXXX XXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX are not accurate. 
15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I received notificartion from XXXX that my information was compromised when they were hacked. XXXX included a link for a free subscription to Experian, which I subscribed for. 

In my recent credit card bill, I was charged {$24.00} by Experian for services. I attempted to contact them several times and each time was disconnected by their automated system. 

Their system set me up with a recurring {$24.00} per month service when I requested the free service. I have since gone in and changed the account to free. 

This is a con by large companies. They get hacked and the only thing that the people receive is a monitoring service for 1 or 2 years. And then the service they contract with uses methods to charge people for the service. 

These large companies should be required to pay restitution to those whose information they hold. 

Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Got really behind couldnt make my payments they wouldnt help me at all, always texting me and calling my job sent a cease letter to stop all communication and they still sending me collections mail letter www delivery XX/XX/22 was written XX/XX/22
Product: Checking or savings account

On XX/XX/XXXX  I was XXXX  I was not released until XX/XX/. During this time my account with chime had been compromised. Upon release from prison I contacted chime immediately to notify them of the incident and start a dispute. Since opening the dispute claim Ive been denied 11 times after providing this company with my XXXX XXXX from the courthouse showing my whereabouts during the dates listed above. Ive also provided them with a police report also filed a claim with XXXX and XXXX XXXX. Also they have been provided an update from the police report with an arrest for the fraudulent activity done on my account. I have attempted to resolve this with them multiple times, I have also requested the documents used in the investigation and they have failed to provide me with the facts just a list of the transactions and questions they ask me when I called in to report the issue. I want the dialogue between them and the merchant I also would like photos of the transactions of possible. They have failed to provide this or provide me with data that support their decision.
Product: Credit card or prepaid card

There is a Barclays Bank credit card that has appeared on my credit score. I do not have this card or any other with Barclays Bank. I have not applied for ANY new credit cards. Apparently this may belong to someone else with the same name. there was no use on it at the time it was brought to my attention. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is using this response as a stall tactic because they are unable to verify inaccurate information that they are reporting on my credit file. I demand that the items I disputed to be removed immediately because experian is in violation of the credit reporting act
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX consulting to violate my consumer rights. The account listed as XXXX XXXX Account # XXXX is supposedly being verified by each consumer agency but they do not provide me with the information I keep requesting to follow up with the company to do my own investigation. The consumer agencies are required to do reasonable investigation into each dispute. Furthermore I did not sign up for any services that they provide so under who authority do the consumer agencies have to report this account? It is my belief the consumer agencies are only reporting this information because they make money by selling consumers information. 

Trans Union ( Commission File Number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, New York XXXX Telephone : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Telephone : ( XXXX ) XXXX XXXX XXXX. 
( Commission File Number ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for credit at Bank of America. This was not me I do not bank with BoA. 

I have called many times trying to get this fixed and each person says its not their department and transfer me and it never ends. Last person said to reach out to the credit bureau to get this fixed. 

Please help and stop that application and remove the ding to my credit
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax, XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX Account XXXX
Product: Money transfer, virtual currency, or money service

I transferred {$95.00} USD as {$140.00} AUD by PayPal to a XXXX  business XXXX XXXX XXXXXXXX that offers virtual XXXX  language classes. On their site they advertise that classes are offered by XXXX  ( see attached ) and on their XXXX XXXX  they say that all can participate at any ability level. In fact, they required me to instal a Russian program called XXXX which does not work with my phone number. They do not use XXXX as promised. Also, their most intro level class is too advanced and required that students read in XXXX. I e-mailed on the very same day that they sent their first communication and offered to postpone until I taught myself the alphabet ; I also asked if there was a more intro-level class in the future. I next e-mailed to say that I could not instal XXXX. They gave me the run-around for a few days by asking me to take a test and buy a workbook, which I had already done, and then said that it was too late for me to ask for a refund as the class was underway ( See attached ). Services were NOT received. I never joined a chat or participated in a class. I paid for the workbook ( {$10.00} ) and classes ( {$95.00} ) and only want a refund for the classes. I paid XXXX through PayPal and received an e-mail with class info from XXXX ; I my PayPal is associated with XXXX and XXXX, and I registered for class with the latter e-mail. 

XXXX Paypal XXXX ID XXXX Paypal XXXX ID XXXX XXXX XXXXXXXX? XXXX
Product: Debt collection

I was contacted about this debt when my credit report alerted me, on XX/XX/23. I filed a dispute with XXXX. After almost a month, today I was notified that the amount would remain. That THEY confirmed the amount was correct. They did not provide me with any other info. The company Coast to Coast Financial Solutions, placed an amount of {$340.00} for a company called XXXX XXXX XXXX XXXX. I have been in Texas for over 5 years, I stayed with my parents when I first for here and then got an apartment. i say that to say, they have no affiliation with Texas. I have never had a contract with this company. When i attempted to contact Coast to Coast through email and phone. No response in over a month. This account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct is closed and paid for less. 
American express recently reported a late payment which is in correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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 https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$540.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

previous investigation done by chime - case id numbers- XXXX, and XXXX. 
previos cfpb reports files back on XX/XX/2021 - cfpb # - XXXX and cfpb # XXXX. 
wisconsin Datcp fiILE # WHICH THEY FAILED TO REPSPOND TO - XXXX. 

NOW IM REACHING OUT AGAIN. 

this is fraud. I want this account shut down and the complete file on this account. transaction history and everything you have.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$320.00} XXXX XXXX XXXX Balance Owed : {$110.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the quick removal of the following inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Have changed the interest rate without my knowledge, have not sent detailed billing statements, and have altogether stopped sending monthly statements as of XXXX. Theres no way to check what the interest rate is on the loan, and even though I had no other options and signed for an XXXX XXXX XXXXXXXX, Ive had payments where XXXX % is what is actually being charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT 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: Payday loan, title loan, or personal loan

I was approved for a loan with 1st Franklin Financial in the amount of {$5000.00}. As of XX/XX/2021, the total of the loan with interest totaled {$6000.00}. I have made roughly {$1600.00} in on- time payments and yet the loan still has a balance of {$5500.00} not to mention the interest seems go increase on lower balances. The loan seems to have diminishing returns! With the monies paid, the balance should be somewhere around {$4400.00}. This is appalling, and I question their accounting. I would like an investigation.
Product: Credit card

- Was repeatedly solicited to open an account with Citigroup with interesting sign-up offers ( e.g. extended balance transfer and purchase offers ). 
- Took credit hit to apply for a card, and was surprised that the credit limit was low ( about XXXX the credit limit offered by my other cards -- I have good credit and income ). 
- Called twice to see if limit could be increased. First call suggested limit could be increased after having the card for a week. Second call ( made after a week ) told me credit limit could only be increased after 6 months, effectively outside of the introductory sign-up offers. 
- Closed the account ( with a ding to my credit report ) as the card 's limit was too low to be usable without further hurting my credit ( due to high utilization ). 
- Application should have been clear that there was a low cap independent of credit score and income ; would have saved me time and hassle of application.
Product: Checking or savings account

For years capitalone bank cheated us by paying as low interest as .3 % in our savings account since XXXX. Even when they discontinued XXXX savings account and introduced performance savings account in XXXX that paid API of 3.8 %, capitalone continued to pay us .3 % interest. when they discontinued XXXX regular savings account, they should have offered to move our account to performance but they deliberate derrauded us by continuing to pay .2 %. The whole point of having a savings versus checking is to get a higher interest. We had XXXX XXXX during the time XXXX to XXXX. The whole point of opening a savings account versus checking account is to get a higher interest. We personally have been cheated of nearly $ XXXX if you count 3.8 % annual interest on XXXX every year since XXXX when performance savings was offered. I have lodged a complaint with capital XXXX customer service and waiting for a response. 
I learnt of this fraud from XXXX describing the lawsuit against capitalone. I checked my accounts and realized that i was XXXX of victims of this fraud. 
Kindly let me know what steps i can take to claim back interest on our savings since XXXX. Thanks
Product: Checking or savings account

The alleged bank representative with chase fraud with actually legitimate chase phone number called about a fraudulent wire transfer on my account and the instructions given to me actually had me wire the alleged XXXX the money. My entire bank account amount XXXX. I called the number back. It was really the chase number and they told me they did not call. I went to the bank to try to stop it and they just changed my account number and reported it. 
2 days later I had a police report but chase denied my claim of fraud. 
They then sent me a letter to reopen the case and on XXXX. XXXX I called them and they closed it again and told me I have to pursue my money on my own. That was my retirement check and my child 's money and now I have none. I have XXXX XXXX My bills and mortgage are due and I'm having trouble finding a lawyer that deals with these incidents as I'm not a XXXX  yet.
Product: Credit card or prepaid card

I have an account with TD Retail Card Services for a Raymour and Flanigan Store purchase. I made all my payments, one payment I made early, the card company applied this separate payment to the principal on the card and refuses to apply it as a payment because it was early. I literally paid this company early and they reported it to my credit as being late because of they way it was applied. I have tried disputing this, and calling them, I even had a representative agree that this was wrong but they could do nothing about it. I believe the reason for this was because it was an interest free credit purchase, so if they can call it late and apply my payment like this the terms are no longer interest free and they can start charging me fees on top of the interest. I need help, I want my payment applied correctly as a PAYMENT and not principal only and this removed from my three credit reports. A company should not be allowed to do this to consumer 's. Also, I requested that the company close my account, and they still have not closed it and reported as closed to the credit bureaus. I even submitted a dispute and they denied reporting as closed. I need help getting this company to do the right thing. I have bank records as proof of this payment and email proof of my request to close this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report in XX/XX/2017 and noticed that XXXX XXXX XXXX XXXX ( Reporting as Amcol ), Inc.was reporting a collection account. I submitted a dispute letter to the credit bureaus regarding the account and they stated it was verified. To that end, I communicated in writing to Amcol in XX/XX/2017. I requested that they provide me copies of any documents proving my indebtness. See attached. I have not received any documentation to date to support the inaccurate, unverifiable entry they are continuing to report on my credit report. This company has had almost 6 months to respond. I have no recollection of ever owing them nor ever doing business with them whereby I signed a contract. The reporting of this entry is violating my consumer rights and therefore, should be removed immediately. 

The company should provide proof of all HIPPA information whereby I gave the XXXX XXXX XXXX XXXX permission to allegedly share my information with them as well as copies of their adherance to the Affordable Care Act where there was a screening performed as well as a clear summary that spells out the financial assistance/charity care options available if I am indeed responsible for this debt. 

Further, where are the copies of the letter XXXX XXXX XXXX should have sent in writing first, to advise me that they were turning over this alleged debt to the a collection agency. Also per ACA, once the collection agency, in this case, Amcol, received the debt, they were still responsible for providing billing information and payment plan options to help satisfy this alleged debt. As stated above, I have not received anything from this company.
Product: Credit reporting or other personal consumer reports

I submitted an Identify theft report regarding A XXXX XXXX that was cloned fraudulently and used as part of an identity theft. 

I submitted this information to Experian and they failed to internally file it correctly. I'm demanding this be reinvestigated and removed from my report or I'm going to sue.
Product: Mortgage

In late XXXX and early XXXX, I initially requested that my escrow account be closed. I then received a check for the balance in the escrow account. I then requested that my escrow account be reestablished and, on XX/XX/ an new escrow analysis was done with a shortage and a new payment due on XX/XX/ I then requested that my escrow account be finally cancelled/closed. XXXX the chat section on the company 's website, it was confirmed that my escrow account was closed and that I would receive a letter in the mail confirming that this had been done. However, I never received such a confirming letter. 

Today, XX/XX/ I again entered a chat session on the company 's website. I indicated that I never received a letter confirming that my escrow account had been closed. I was informed through the chat that there was a note in the file indicating that I still wanted the insurance be part of an escrow account. I informed the chat session that this was incorrect and that I still wanted my escrow account closed The chat session indicated that they had gone ahead and closed the escrow account and that I would be receiving a letter confirming the closing in the mail. 

I was also informed that, as per my request, my automatic payment would be cancelled and that I would be making monthly payments manually. 

Due to all of the problems I have had regarding this issue, I want/need confirmation that ( 1 ) my escrow account has been cancelled and that my monthly mortgage payment will remain at {$1200.00} and ( 2 ) that my automatic payment has been cancelled.
Product: Credit reporting 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 XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX 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 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation.