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

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX. 


Account Name : XXXX Account # XXXX. 


Account Name : XXXX Account # XXXX. 

Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX  ) Account # 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.
Product: Credit reporting

Did not receive verifiable proof ( an original consumer contract with my signature on it )
Product: Debt collection

N accordance with the Fair Credit reporting Act Account XXXX XXXX # XXXXhas violated my rights.

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

15 U.S.C 1681 section 604A. It also states a consumer agency can not furnish a account without my written instructions
Product: Checking or savings account

I had a charge on my capital one account for a charge I did not authorize. The charge came from a company online site called " XXXX '' for something called a " charge back '' of {$1000.00} received on XX/XX/XXXX for an authorization on XX/XX/XXXX. I had only done business with this company for an online purchase XXXX TIME on XXXX on XX/XX/XXXX for a software update for my automobile which only cost {$140.00} ( Which I have the invoice for ). I didn't notice unauthorized activity in my account as I had many large amounts of transactions going in and out. It wasn't until I did an audit of my account and noticed the fraudulent charge. I then contacted capital one about the issue and started a claim on it XX/XX/XXXX which was denied after sending them information on the on the matter such as the invoice for the order I actually did for {$140.00} on XXXX XXXX. It was denied. Then I reopened the claim on XX/XX/XXXX and sent them additional information such as emails and correspondence. I also sent over my findings of websites with other consumers having this SAME issue with this company. My claim was yet denied again. I did some digging and found out the folks ( XXXX ) who " bought '' the company and reached out to them only to be told that they didn't have access to the original site and that i just needed to file a claim with my bank. The reason capital one kept giving for the denial was because my information was correct on the charge. However, I provided that same information for the purchase made for {$140.00}. So the company used that information to make the mysterious " charge back '' purchase a WHOLE year later! This was clearly fraud and contacted Capital one multiple times on this issue trying to get them to understand that. It lead to my account closing because I was not responsible for that charge in anyway and was not going to agree to pay for it. And to see that others experienced the same problem is beyond me why they can't do anything more about it. The " XXXX '' was taken down and there are no records of anything which clearly indicates some suspicion. The matter is still unresolved.
Product: Debt collection

I am a consumer as identified in FDCPA 15 USC 1692 a ( 3 ) and I have a right to privacy pursuant to 15 USC1681 ( a ) ( 4 ). MediCredit had recently deleted their account from my credit report and then added it back ( I've attached the deleted letter to this complaint ) - they are in violation of 15 U.S code 1681a ( i ) ( 2 ) - 15 USC code 1692k - Civil liability MediCredit is in violation according to the Gramm-Leach-Bliley Act for comprising my information since I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. Also financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act. The FTC is one of the federal agencies that enforces provisions of Gramm-Leach Bliley , and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''
Product: Credit reporting

my property was lost on XXXX and someone found my driver license and my social security card and other information, my credit card and they charged my credit card. I had send the police report to all XXXX credit they do n't nothing about it. however, I fake this opportunity to address to you in order to get this resolve. thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXX Account XXXX XXXX and XXXX XXXX Account  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 a account without my written instructions.
Product: Credit card or prepaid card

Starting in XXXX I couldn't use my card. When calling customer service they said their system upgrade caused issues. Since then ( roughly six months ) they have reported my account closed - I confirmed with their rep it is not. This caused a big drop in my credit score. They refuse to issue my card, which is now expired. I've asked numerous times why and they continue to say " system upgrade issues ''. They have no reason to close my account and it shows open online ( see documentation ). A large company should not be messing with peoples credit like this. It's very strange.
Product: Credit reporting or other personal consumer reports

This loan was from a convenience check mailed in my Name, however my XXXX  opened the letter, signed my name, including my social security number included his contact information deposited the check online without my knowledge and did not not repay amount. Because he forged my signature and took out this loan in my name and used the funds, As per our divorce decree He is responsible for debt as it was his. 
If needed I am able to provide copy of divorce decree and check signed by him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX
Product: Credit card

This is the second time I have ever had issues with my US Bank credit card being declined. The first time was when I disputed a charge where XXXX went into my bank account and took money from me AFTER I had returned an item in perfect condition. 
There is a clear pattern - US Bank " punishes '' people who start disputes against companies by then blocking the use of their credit card.

I just filed a payment dispute with US bank regarding XXXX - so of course now my credit card has stopped working and when I use it it gets declined and says " suspected fraud '' - which is just delightful when that's yelled out at the cashier 's counter!

The first decline happened a couple of days ago - but of course US bank lied to me and said they didn't do anything. Although I received an email from the company whose payment was denied stating my credit card denied the payment.

US Bank refused to take any accountability with the issue, and the issue was NEVER resolved. So I don't have protection on my computer right now because of US Bank. Thanks so much! 
Today, my credit card was declined AGAIN because US bank has put a block on my account that they are denying they put out of retaliation. 
I tried to pay at the check out counter and the cashier yelled out there's a fraud alert. 
He turned his computer around and let me see where it CLEARLY said " attempted fraud ''. I tried the card again - same exact thing - attempted fraud.

I then try a different card - mind you this is still the same transaction it had not been canceled and re-rung- magically that card went through with no issue.

I came home and furiously called US Bank - in today 's society - I could have been XXXX XXXX XXXX because of that XXXX XXXX XXXX Bank has put on my card. 
What if the police were called? What if a XXXX  decided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
You are literally, and intentionally, putting people 's lives in danger and it will be documented! 
There are real repercussion when you flag a F***ing Account as FRAUD, US BANK !!! 
The US Bank employee lied to me again- and they said oh it was the card readers fault- no it wasn't. The card reader worked fine when I used the other card. 
This is more XXXX  lies from US Bank employees. 
I am contacting ever XXXX government org that oversees you. 
You are not going to embarrass me and put my life at risk as retaliation because I'm making you do extra work by reversing a charge.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit card or prepaid card

I applied for a new Citi AAdvantage Platinum Select Mastercard on XX/XX/XXXX. 

I was instantly denied for the following 2 reasons : 1. Too many recent credit inquiries are recorded on your credit bureau report ; and 2. Your credit report reflects a lack of recent installment loan information I feel that I have been discriminated against by Citi and my credit application has been denied on frivolous grounds. 

I have a superior FICO credit score of XXXX, and a relationship with Citicards that spans over 10 years. My accounts have always been in good standing. 

At the time of application, I only had 3 hard inquiries in the last 6 months, 1 of which was in XX/XX/XXXX for the same Citi Mastercard application as the one above. 

I fully own my house, and naturally would not require any installment loan. I should not be penalized for this. 

Despite repeated attempts to contact Citi for a detailed explanation for the denial, no additional information has been provided.
Product: Payday loan

I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off, I had to take out a new loan for food and gas, but now I have found out they are n't even licensed in Oklahoma and are charging higher interest than allowed. They withdraw the funds from XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not log into my experian account at all till yesterday and I come to find out that there was another address put on there XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX which I never lived in. The only places I've lived is XXXX XXXX XXXX, XXXX XXXX, ca XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX and XXXX XXXX XXXX, XXXX XXXX, ca XXXX. I also seen a bunch of inquiries on my experian which I did not do but I will put in the complaint for it.
Product: Credit reporting or other personal consumer reports

I need this information to be reviewed, it is inappropriate information with negatives and does not belong to me, I want it to be removed immediately, I have never had late payments on any of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved the US Virgin Islands upon retirement as a 30 year XXXX XXXX XXXX. Hurricane Irma was supported by FEMA with much needed emergency GRANTS. 2 years after receiving  my GRANT, my credit score dropped 80 points. This is when I discovered that the US Treasury considered me in default for a loan. I NEVER sighed loan papers! I was NEVER told that my emergency funding was other than a grant. Attached is a letter from FEMA stating that I do not owe them money. It appears to be a discharge/write off of a debt, not the fact that I am a victim and the debt was INCORRECT. My credit score reflects that I ran out on a loan, not that I NEVER HAD a loan from FEMA. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2 occasions starting in XX/XX/2019 via Sagestream Website and in XX/XX/2019, via certified mail, I requested that sage stream LLC put a freeze on my credit report and send me confirmation and they have not sent me confirmation. In betwee the time of XXXX XXXX XXXX XXXX have left numerous voice messages in regards to the matter but still no confirmation. 

I submitted the Proper copies and my Photo ID and well as copy of my SS card So for some strange reason Sagestream doesn't seem to want to honor my request. Help and assistance is needs to obtain my security freeze and security PIN
Product: Debt collection

JPMCB Card Services XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> - Goodwill letter requesting the removal of the account. 
OLD Account : 8 Years, 5 Mos Thank you credit bureaus.
Product: Checking or savings account

Unbanked ( UNBNK ) ran a promotion for a bonus payout of {$150.00} worth of UNBNK upon spending XXXX XXXXXXXX by XX/XX/2022. I completed the requirements and Unbanked is refusing to payout the {$150.00} bonus to me. Please find proof of my claim, attached. Unbanked has made false assurances claiming that I would qualify for this promotional bonus as there were ample spots left and that I would make it in time without any issues, whatsoever. Then they stalled paying me out and turned their story around saying that I was not eligible. This is immoral and unethical customer service. Unbanked needs to recognize that over-promising is wrong and they need take responsibility for their mistake by honoring the payout to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I have made several attempts to have unauthorized and unverified inquiries removed from my credit report. I reached out to Equifax and XXXX by phone and was given the run around each time and was not assisted in submitting the disputes or commencing investigations on inquiries that were not carried out by me. such inquiries are ; Equifax XXXX XXXX XXXX XXXXXXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy that Lexis Nexis has listed on my consumer report and they are continuously reporting to the credit bureaus. On XX/XX/2020, I received a letter from Lexis Nexis stating the Lexis Nexis investigated and verified that the information was accurate and true. The letter from Lexis Nexis goes on to inform me that under the Fair Credit Reporting Act ( FCRA ), I have the right to request a description of the procedure used to determine the accuracy and completeness of the disputed information. On XX/XX/2020, I enacted that right and requested Lexis Nexis provide me their investigative procedure ( Method of Verification ). I sent the letter certified mail to ensure deliverability. On XX/XX/2020, at XXXX XXXX the letter was delivered and the 15-day window for your establishment to respond with the Method of Verification began. As of XX/XX/2020, the 15 day grace period given to respond to my request expired without a response to my request. On XX/XX/2020, I received a letter from Lexis Nexis that was dated XX/XX/2020, again stating verified but still not providing me with the information requested, which was their Method Of Verification. On XX/XX/2020, I contacted Lexis Nexis via telephone at XXXX ; XXXX XXXX and informed the service rep of everything stated in this message and asked if they could provide me with the information, the service placed me on hold and I stayed on hold until the phone hung up at XXXX XXXX. Lexis Nexis has failed to provide me with the information they informed me I was entitled to under the Fair Credit Reporting Act. Therefore, I would like Lexis Nexis to delete the unverified item from my consumer report and remove and refrain from continually reporting the unverified information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to correct my personal information on all 3 credit reporting agencies. Please remove all the previous addresses. I only have one address. Add my correct name on all 3 credit reporting agencies. Thank You.
Product: Debt collection

I called collection cosultants in XXXX Ca because a XXXX bill of {$420.00} pops up on my credit report. When I call to make payment the credit collectors say different amounts and will not take my {$420.00} payment but want close to {$3000.00}. This company seems very fraudulent to me and I asked them to produce records of the supposed debts and they will not comply. Their address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX.
Product: Mortgage

We got a mortgage XX/XX/XXXX. We were told we would be able to drop mortgage insurance when we reached 20 % equity. According to the mortgage company 's website, we would reach 20 % in XX/XX/XXXX. In XX/XX/XXXX, the websites information changed and now says we need to reach 25 % equity in order to drop PMI. We reached 20 % XX/XX/XXXX and I requested to drop PMI. They sent me a letter saying I needed to get an appraisal or XXXX, which I would have to pay for. I called their helpline and was told that the loan had to be older than 5 years AND 20 % equity in order to drop PMI. Neither the website nor the letter they sent me say anything about a 5 year minimum length of mortgage to drop PMI. Also the letter implies the XXXX may not be 'fully accurate ' so I suspect even if I paid for that, they wouldn't necessarily accept it.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX and XX/XX/XXXX of this year, in writing I sent them a Revocation of the Authorization of auto debit of payments. They have refused to do this and keep trying to get me to send in more and more of my information, now they are trying to get my social security number and a photo copy of my id.. which all sounds pretty shady. But regardless they are basically refusing to revoke my authorization. I informed them I am well within my rights to revoke at anytime and they continue to XXXX. ) transfer me to different people and then say Ill receive a phone call and never do. And XXXX. ) refuse to revoke without me sending in all my identification. 
They have since Taken money illegally from my bank account XXXX {$30.00} and XXXX {$50.00}, which they state are late fees that are being auto debited!! 
I have informed my bank account who have frozen the account and Ill probably just have to close it.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021 my daughter XXXX XXXX XXXX ran a credit report with XXXX. On that report it noted A Capital One Account with a balance due of {$4200.00}. The Capital One account is my account, XXXX XXXX. I opened with only my SS number. At no time was Capital One provided her SS number. She is a Authorize User. She went away to college and this was a Emergency Card only. No where on the Capital One information is it listed she is authorized user. I attempted to call Capital One and they were rude and noted I have to write a letter and could only mail and that it would take 30 days to resolve. My daughter is moving from California to XXXX for her XXXX job. They need to be there is 2 weeks or he losses his job. Due to the error from capital one they are having a difficult time renting a apartment.
Product: Debt collection

This is from XXXX XXXX XXXX , XXXX which is a company I haven't done any business with whatsoever. Midwest Recovery Systems is handling the collection of this unknown account of which they claim I owe XXXX dollars. There have been 38 people that have gotten unknown reporting on their credit report including mine from these companies.