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

I mailed and or faxed off the attached documents OVER 14 days ago..YOU GUYS BY MISTAKE have claimed me starting it's the Social security office fault ( I went in and called that's false and they have no knowledge ) as DECEASED due to this and or prior I had unasked for : Holds, freezes, alerts, blocks etc set on my account. I am alive you can call XXXX to verify THEY CAN NOT GIVE ME DOCUMENTS TO BACK THIS BESIDES my non voided ID I sent to you and my Social card. If you still need more info or are confused about the issue YOUR COMPANY CAUSED contact MY lawyer whom has contacted you with no avail as late as XX/XX/2022 XXXX asap. I can not apply for anything and I'm in the process of purchasing a car and HOME, per every violation of anyone not being able to pull my ENTIRE credit report you will have to pay me so I was advised. I would prefer to settle this quickly and avoid court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX, has violated my rights. 

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I recently found out I had defaulted student loans that were to be discharged during a bankruptcy that was d/c in XX/XX/2005. Unfortunately due to the time frame and the discharge being off my record I do not have any paperwork for it. The courts have destroyed the paperwork as well and the attorney I used in the case is now deceased. I contact XXXX XXXX XXXX because they are the ones who are handling the case. I have spoken with a XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX in regards to the case. My issue is that I feel I have been lied to. I have a balance of XXXX ( including collection fees ). I was told by XXXX that the collections fees are not accessed by their company but by the XXXX XXXX XXXXXXXX. I submitted financial records and the from the law that I read regarding repayment of student loans the amount is to be based off my Adjusted Gross Income. I provided verbally to XXXX the amount of XXXX. I made a payment that day. The next day I was contacted by her again. She accused me of lying to her and stated that I made more money and therefore my payment would increase by XXXX and that I needed to make that payment that day or else the payment that I made the day before would not count. I questioned what she was talking about. That the law states that you are to make the monthly payment assessment from my XXXX not my gross wage. I felt helpless and as if was being backed into a corner so I agreed to the new payment amount. I might also add that the way I found out about the debt was through income tax offset. Through that my federal taxes were XXXX and my state tax was seized as well at XXXX. I was never asked what I could pay. What my monthly bills were. I was told I needed to pay this amount. Another issue is that I have 6 small loans on there and I requested that the small loans be paid first to stop having to pay interest on those. When I spoke with XXXX XXXX the manager she stated that I could not allocate where the money was being dispersed that the payments had to be distributed evenly between all 6 loans. She stated that the only way to have the small loan paid off would be that I would have to send an additional payment and specifically allocated that was for the account. This was also told to me by XXXX XXXX. She gave me the account number for that loan of XXXX. Long story short I know this company has been sued as I was named in the class action lawsuit. There unlawful business practices are continuing. I would like some sort of assistance. I would like to satisfy the debt but I am not going to allow myself to be a victim. At this time I spoke with XXXX XXXX last night and I have asked that my financial information be deleted from the system until the issue can be solved. I have also reached out to to the US Dept of Education and filed a complaint with them as well. I would appreciate any assistance I could get in resolving this matter. I will note that I also have tried to reach XXXX XXXX and I was told that he does not have a voice mail. I was told that he is the director.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Product: Credit card

In short i had to file a complaint with goldman sachs over some apple charges that were fraudlulent. In the process i think the company got scared because they refunded me my money which is all i wanted in the first place. On XX/XX/XXXX i had a ton of charges go back on my card and i was told they were provisional reversals because the company had refunded me. That was fine, i was happy the company accepted responsibility and refunded my money. On this same date i literally requested with a senior agent to verify that all cases were closed, that my balance was correct and i would not have any other issues with this. She stated that is correct XXXX. I thanked her and said good job Goldman Sachs. That was the end of the conversation. Fast forward to XX/XX/XXXX i start seeing this charges pop up on my phone totaling around XXXX/XXXX dollars. Again i text in and this time i get someone who did not understand the issue so i told XXXX to give me the number to the bank so i could call in. I called in and spoke to a nice gentleman who listened and went over everything with me, he then said he would need to connect me with the correct department so i spoke to fraud again and told them i wanted to dispute every reversal of provisional credits that happened on XX/XX/XXXX. She said she would get this done, i also asked her how i could send in my evidence and shes told me i would receive and email which i never did. I only got something saying there was a dispute for a XXXX charge. i don't even know what that is. i am disputing the provisional chargebacks today in the amount of XXXX not a XXXX charge. I will attach a screenshot of the conversation i had with the rep from start to beginning. You will see at the end of this conversation where she stated what my final balance is. If this is a mistake on the part of XXXX then that is on them not me. At this poing i have been lied to regardless of the situation and my account balance is not what i was told it is supposed to be. Please find attached where i verified with XXXX via TEXT CHAT initially
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act this company has violated my rights.

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 a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This account of XXXX XXXX XXXX is fraudulent. I have no knowledge of this account and did not give anyone the right to my social security number. Nor did I give any rights for this account to be placed on my credit report from this company .Delete this account immediately.
Product: Credit reporting or other personal consumer reports

my information was leaked in the equifax breach and i have never applied for these accounts
Product: Vehicle loan or lease

I had a car note with Chase Bank for a XXXX XXXX XXXX XXXX, the vehicle was stolen and when I got the car back the insurance didn't cover the internal damages to the vehicle. I voluntarily let them know I didn't want the vehicle any longer and that they could come pick it up. Once they did, they sent it off to an auction in Indiana. Chase bank told me I couldn't buy it back since by the time they picked the car up, the car note was 2 months backed up, even though it was due to their late arrival. XX/XX/XXXX, they ended up selling the car for less than the actual cash value, they sent me the bill for the rest which was about {$19000.00}.
Product: Checking or savings account

While looking for a property in XXXX, I opened an account at Capital One XXXX XXXX Branch on XX/XX/2023 and deposited {$500.00} transferred from XXXX  XXXX XXXX . I've already relocated from XXXX to XXXX XXXX, New York, and purchased a home. 

When I attempted to use my Capital One account in XXXX after I moved to New York, the the account and money were held, and I was told that my account will be canceled and the {$500.00} will be transferred back to XXXX  XXXX XXXX. However, they canceled my Capital One account in XXXX and the remaining {$500.00} was not remitted to my XXXX account with the ending four digit XXXX. 
I went back and forth between Capital One and XXXX in XX/XX/2023 and both bankers examined the Capital One and XXXX apps, but none showed the {$500.00} reimbursement that had been returned to the XXXX account XXXX. 
According to the XXXX banker, Capital One withdrew {$500.00} from my previous Capital One account rather than transferring it to XXXX, as indicated as " Withdrawal '' in the statement. 
Please assist in conducting additional research and contacting Capital One. Please recover my Capital One bank account and make the {$500.00} available for withdrawal or mailing to my current address. 

I desperately need this money, and it will be XXXX XXXX. Please refund {$500.00} to me as soon as possible. Thank you really much!
Product: Credit card

I placed an order from XXXX for the amount of XXXX on XX/XX/year>. 
My order was for XXXX XXXX  gift cards, sent via email. However, once I received the email for the gift cards, the links provided in said email led to an error page. All three links for all three gift cards I received via email led to an error page. I tried to reach out to the merchant XXXX  times via phone call, however, I was getting stuck on a loop of an automated response and could not reach any human support. 

I sent CapitalOne disputes screenshots of the invalid page the link is sending me too, including a detailed letter of the steps I have taken to resolve the issue with the merchant. However, CapitalOne still states there is insufficient information to proceed with my case and the case has been closed due to insufficient information. I have submitted screenshots and a detailed explanation of the scenario, how is there not enough evidence for my dispute to continue?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following XXXX  Accounts have violated my rights and are furnishing hard inquiries on my account : Account : XXXX  | Date : XX/XX/XXXX Account : XXXX XXXX | Date : XX/XX/XXXX Account : XXXX | Date : XX/XX/XXXX Account : XXXX XXXX | Date : XX/XX/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 states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates.
Product: Mortgage

My father passed away, I still live in the house. Freedom mortgage confirmed me as a successor in interest, the deed is now in my name. Freedom mortgage will communicate with my over the phone, but refuse allow me online access to access loan documents and make payments. They claim they will only allow me online access if I refinance the loan.
Product: Debt collection

I am writing to express my extreme dissatisfaction and frustration regarding the denial of my request to block fraudulent account on my credit report. It has come to my attention that the account is clearly fraudulent and in direct violation of the law. 
The Fair Credit Reporting Act mandates that credit bureaus must ensure the accuracy of information reported on consumer credit files. Despite providing evidence and documentation proving the fraudulent nature of the account, your bureau has unjustly denied my request without providing valid reasons. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sent proof to timely payment to reporting agency. They did not remove just changed the date reporting late. I provided proof that the late they changed the late to was also paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a trial subscription with XXXX ( experian ) in XX/XX/XXXX. It was {$1.00} for the first seven days and then {$32.00} monthly after that. I have tried to cancel it several times unsuccesfully. When you try online they tell you you need to call. When you call they tell you the wait will be at least an hour and you will probably get cut off during that hour. I have now paid in over {$150.00} for a service that I don't use.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # ending in XXXX THE HOME DEPOT/CBNA, has violated my rights. 

15 USC 1681 section 602 States I have the right of privacy.

15 USC 1681 section 604 A section : It also states a consumer reporting agency can not furnish a account without my written Instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

I XXXX college on XXXX XXXX with a XXXX and two student loans to pay of. I got married last year ( XXXX XXXX ) and my husband is an XXXX XXXX XXXX XXXX. We are currently stationed XXXX and because of the XXXX agreement that XXXX and the USA have- this does not allow many jobs for military dependents such as myself. I have not had any employment since I got here and over the last year we have been paying off my school loans ( over {$40000.00} in total ) with only my husband 's income. We contacted the lending institutions to see if any options were available for lower interest rates for service members and their families, but one institution, Navient ( formerly XXXX XXXX XXXX, refused to aid us in any way, even after explaining our situation, on the basis that I am not the service member. The interest rate on this loan is almost 10 % .and we are paying both loans off of just my husband 's income. We recently almost emptied out our savings in order to get the loan with Navient to a more reasonable level ; With the dollar amount the loan had been at, and the interest rate, we were not gaining any ground on the loan with just the minimum payment, it actually went up. Why was the total loan amount increasing even while always making payments on time?
Product: Credit card or prepaid card

My phone service was cut off and I had to get a new number. Capital one and many other cards arent allowing you to change your phone via email confirmation. It appears they and all gov't agencies are refusing to allow VPN 's which violate users privacy. They locked me out of my account. When I called customer service, XXXX ( from XXXX country ) said they could not change it despite my verifying my social security number. After giving them the new number, they said they would check to see if they could send me a code. She then claimed she couldnt and that I would need to take a photo of my drivers license. This is completely illegal. So the website says you can verify another way, however this is a lie. It only routes you around in a circle and does not allow you to change your number. 

In addition, these companies arent allowing a mail statement. Lastly, I want to cancel this card because they have allowed businesses to illegally use my card for recurring transactions that I have attempted to cancel, EVEN AFTER I WAS FORCED INTO CHANGED MY CARD NUMBER!!! XXXX XXXX  would not allow me to cancel a recurring monthly phone charge because they claimed they could not verify my identity, despite my ANSWERING THE PHONE I HAD SERVICE WITH!! They said I had to give them 5 phone numbers that I had recently called which I did BUT BECAUSE THEY WERE XXXX NUMBERS THEY SAID THIS WAS UNACCEPTABLE? I AM SICK OF THESE COMPANIES WITH CALL CENTERS IN XXXX, XXXX, ETC. VIOLATING BASIC CONSUMER RIGHTS. They would not allow me to change my number or email address either despite the email company XXXX, located in XXXX and evidently above the law, cut off my service because again, I attempted to stop a recurring payment and downgrade to the free plan. They then held my account hostage and would not allow me to use it telling me I had to give them a credit card number. Lastly, my Lifeline phone was cut off by XXXX without notification because I was told by my Wifi provider that I could still use my free Lifeline phone and get a discount with them ( XXXX County, VA aka XXXX XXXX ) for internet. THIS WAS A LIE and at the end of the month, my phone cutoff without my notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following:XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX - XXXX Inquired on XX/XX/20XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX
Product: Student loan

There is no option on the website for when I make an over-payment to have it not advance the due date. So every time I try to apply the payment to the principle it goes toward the next months amount owed. I have called several times now. The last time i called they forced me out of auto debit stating that they could fix it if I was not auto debited. It has been 13 days since then and nothing has been fixed. I owe more money in intrest now that im out of auto debit and they have still not fixed the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters asking for verification and proof of verification. They keep sending me stall letters. My reports havent changed in the last 2 years.

If after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on results of the investigation They have wrong dates for last updated, inaccurate dates for payment history, dates of derogatory events, inaccurate close dates, inaccurate dates of last activity
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 XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any of the following items on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$830.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.