23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a credit limit $ XXXXI never asked to increase the credit amount.Somehow my credit limit becomes $ XXXXI did return the purchase to Neiman Marcus last call and to the store in XX/XX/XXXX.I do not get any refund Back on XXXX I ask at first despiute the charges on XXXX XXXXAll the tome when I ask about hardship and despuite the chargesNeinan Marcus representatives hang off the phone .It happened today too.
Product: Credit reporting

Equifax had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report from this credit bureau but the information listed needs to be updated as wrong information is listed. They have my wrong address, telephone number, profession and salary. The correct information is listed below : Address is : XXXX XXXX XXXX XXXX, Apartment XXXX XXXX Florida, XXXX My telephone number is : XXXX My profession is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is {$200000.00} per year. 
Kindly update my demographics with the correct information please.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 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 card or prepaid card

I scheduled a payment online on XX/XX/XXXX to come out on XX/XX/XXXX. I received a confirmation number. XX/XX/XXXX the payment was credited to my account XX/XX/XXXX. on XX/XX/XXXX I received an email saying my payment was returned. I called customer service on XX/XX/XXXX to ask y it was returned. I was told to call my bank and ask why it was returned. The bank told me that there no transactions from the credit card company or any other blocks or holds on my account. I called credit card company back and told me the payment was processed to another account iv used in the past. I know for a fact I didn't process any payment from that account because its closed. The returned payment caused my credit card account to be over the limit {$52.00} and it was reported to the credit bureaus and impacted my score negatively. I told the agent I wanted my account to be brought back to current since I wasn't the one who processed the payment from the wrong account. the agent offered to credit my account for the late fee of {$25.00} I told him I wanted my account brought to current for the entire amount of {$52.00} he said I was responsible for making the account current. I asked for his supervisor I explained the situation over she said she was gon na speak to technical 's support to find find out what happened when I scheduled the payment. As I was on hold I checked my app that I used to make the payment and the option for that closed account wasn't available. I believe I deleted that account from the app months ago so I wouldn't create confusion for myself when scheduling payments. The supervisor agent came back on the phone and said once the payment was returned the app deleted the payment option from from that closed account. I asked her to get tech support back on the phone ands when it was deleted. she then asked what my desired out come is I told her to make my account current because as a result of them processing a payment from a closed account my credit card account was over the limit and negative information was reported. she told me tech support couldn't give the info on when the closed account was removed from payment options but then disclosed that the same account hasn't been used in the app since XX/XX/XXXX. They tried to convince me I selected the wrong option to make a payment from when I know I didn't. I believe their system selected a wrong account which has been closed for months to make my credit card payment when I know I didn't select that account in fact I believe I deleted it myself personally. This has also affected my credit score because negative info was reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed something with the credit reporting agency, after 30 days they did not put account in dispute which is a violation of US code 1679 ( a ) ( 1 ). 

I want this information deleted off my credit report.
Product: Money transfer, virtual currency, or money service

I was venomed for an item and the person disputed it worth XXXX XXXX with their bank and Venmo made my account XXXX XXXX  negative when i dont have the item and i have proof this person is renting the item i sold for sale
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Mortgage

The owner is deceased, This home belongs to an estate. All documents and required documents were submitted to Ocwen Loan Servicing.

All documents were submitted : Loan Modification Family Transfer Package Owner Occupancy Certification Applicant Information Form Application Identification Certificate XX/XX/XXXX - The Transfer Deed was recorded for the grandson.

Everything Ocwen requested was done. XX/XX/XXXX. 
The transfer took place in XX/XX/XXXX. PHH refuse to even look at all of the submission even though PHH is an Ocwen Company.

They did have a sale told for XX/XX/XXXX. They said it was cancelled but we are not sure and the way they have told us so many stories every representative telling us another story that is why we are coming to you for help. 
We wanted to send them all that was sent but they refused, they claim the loan is being reviewed, for what and how can we be sure? ID # XXXX said the sale was on hold. on XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXXXXXX Haas issued me a credit card with XXXX limited. I was going on vacation has only XXXX available. I had made some small purchases.to assure room on the card for my hotel and rental car I paid XXXX on XX/XX/XXXX. Then XXXX on XX/XX/XXXX then XXXX on XX/XX/XXXX which wasn't total balance. My payment was verified by capital one twice. And cleared and collected by them in the XX/XX/. However they placed a 4 day hold on my account after they verified payments. This was not delivering a service level promise of hassle free timely accounting. I pay a XXXX dollar annual fee and additional fees in interest rate for my service..these fees should be refunded if there not going to issue me the credit promised in exchange for said fees.
Product: Debt collection

they keep calling and harrassing me saying i could go to XXXX for no paying the debt
Product: Debt collection

Out of the blue I received a letter from Cedar Business Services. They claimed I owed a debt of {$390.00}. I immediately called and discussed the issue with their rep. I forwarded and email proof I had that I had paid this debt ( from 2017 ). 3 weeks after our call Cedar Bus. Services responded to me in email claiming that the payment I made did not 'cover the debt ' and that now my new balance was {$790.00}. That is an unreasonable increase ; and also they have not provided any documentation of me owing anything to anyone.. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

, After receiving my credit report I noticed an extremely high number of unauthorized inquiries on my credit report .Which I have not giving any consent to. This is a violation of my privacy as well as ruining my reputation. It has been very difficult for me and my family and has put a lot of XXXX  on me not being able to get approve for a mortgage I recently applied for .Its seems to be experian and its agents are being unfair and partial, nor have I giving any consent, Under 15USC 1681b they had no permissible purpose. 
I have not giving experian any order to furnish these reports and I have never consent to these reports in the beginning. This would be considered identity theft .I have reached out and spoke with an fraud specialist at experian where we spent over an hour disputing these inquiries. I would like to request these inquiries be removed and requesting your assistance thats there is a proper investigation. These reports are impacting me negatively which makes it extremely hard to get housing for me and my family. I would also like to request proof of any written authorization experian has received from these creditors showing that I have made consent to these authorizations and That they investigate in good faith. I will attach a copy of the laws that experian will be in violation of below. 
15 U.S. Code 1681b ,15 U.S. Code 1681c2, 15 U.S. Code 1681d, 15 U.S. Code 1681e, 15 U.S. Code 1681i, 15 U.S. Code 1681n, 15 U.S. Code 1681q, 15 U.S. Code 1681s. 
If there is any question or additional information needed feel free to reach out me Sincerely, XXXX XXXX where prohibited by law
Product: Credit reporting

I spoke with a rep at Equifax after about my 24th attempt about having XXXX of the inquires off my report that were not mine. I had been sent back and forth between the creditors reporting and the agency several times. They were just running me in circles. The rep apologized for what I had been through and she said she was removing all but the XXXX XXXX which is actually my only one. I was also told I would get something in writing, neither action was taken. This was over 3 weeks ago
Product: Credit reporting or other personal consumer reports

According to 15USC 1681B the consumer has right to verifiable and accurate information to its maxmium capacity. The information presented is NOT factual and violates FCRA 15USC 1681B and must be removed. 


Delete the following accounts : 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 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

Per NYS law, paid collections over 5 years old must be deleted, and the credit bureaus are not following the law.
Product: Credit card or prepaid card

I would like more information or clarification with regard to how the credit card company charges interest on your purchases. 

I have attached a copy of 2 statements, from Capital One. XXXX statement is dated XX/XX/2019 and it reflects a balance owed for the amount of {$420.00} and it clearly states in paragraph 1 that is this amount is paid in full by the due date there will not be any assessed late charges. Now we have next statement from XXXX which reflects the balance being paid in full on XXXX and they still assessed a late charge. 

I paid the amount that was requested on their statement and they told me that they can still charge the interest on this balance even though it has been paid in full? 

I have spoken to Capital One and was told because the balance wasn't paid in full in XXXX? that's why I was charged the interest fee in XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

5 Hard inquiries on my TRANSUNION REPORT I have no knowledge of! This not give these companies permission to run my credit nor did I apply for credit from the either 1. XXXX Inquiry on XXXX 2. XXXX XXXX Inquiry on XXXX 3.XXXXXXXX Inquiry on XXXX 4 . XXXX XXXX Inquiry on XXXX 5. XXXX XXXX Inquiry on XXXX
Product: Debt collection

During covid pandemic I renewed my lease following month I saw an increase in rent as well as month to month charge. They said they did not receive my signed lease renewal. I then submitted another. XXXX apartments continued to charge me higher rate and month to month charges. I was promised wood flooring replacement which fell through as covid precautions prevented the service. I attempted to replace the wood floors myself. In XXXX I put in my 60 day notice to leave. Three days prior to end of 60 days. Someone dropped off an eviction notice even though 60 days prior I had given notice. Soon later I see a collection for 4x the amount I owed. I believe this company committed fraud on 4 different incidents. Upping rent, refusing to acknowledge signed lease renewal twice, upping rent during the pandemic, and wrongfully serving an eviction notice.
Product: Credit card

On XX/XX/2023 someone purchased concert tickets in Pennsylvania using our credit card. We were in California at this time. We were first alerted to this when XXXX received a text from Chase asking if the purchase was legitimate. We said no. The text response said we had already approved the purchase. We then logged into XXXX 's email account and saw that someone was actively in his account accessing and deleting emails. We attempted to log them out but were unable to with XXXX. 
We contacted the Chase fraud department to alert them of the purchase, gave the information on how the email seems to have been hacked. We also contacted XXXX the site the tickets were purchased from to alert them of the fraudulent transaction. We were able to save one email before it was deleted and I sent that email to XXXX alerting them that it was a fraudulent transaction and to cancel the tickets. 
Chase then put the charges back on our credit card stating that XXXX said they were a legitimate purchase. I then sent Chase Fraud Recovery the email I sent to Gametime telling them it was not legitimate and then sent a following email with my call log showing I had called Gametime to alert them of this fraudulent purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am disputing fraudulent activity on all reports. I have no knowledge of these accounts. I've been reaching out for a while now. I am a victim of identity theft. I did find out that it was for a school called XXXX XXXX XXXX. XXXX XXXX has been sued for violating the law by doing illegal things to encourage students to attend their school, and that I never would borrow any money to pay for XXXX XXXX courses knowing they doing illegal things. I never attended this school. This school has lost accreditation for fraudulent activities. They were selling personal information. I've contacted Navient who is currently reporting on my report. They are unable to provide me proof of any loan documents pertaining to this. The loan amount is totaled up to {$60000.00}. I asked that this matter gets resolved immediately with your help as I've stated to them as well. This is hindering me from actually bettering myself. This is fraudulent and I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of the company 's authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again I have no account with student loans, nor am I a customer, nor have I entered into a contract and also
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is providing information pertaining to the identity theft that took place with my information. This company was presented with several police reports as well as identity theft affidavit report, federal trade commission report and now they report with the consumer financial protection bureau. 

Upon contacting the three major credit reporting agencies, I discovered that two of the three credit Reporting agencies did not investigate the information based on the fact that they thought it was a duplicate request. The documentation was presented with shows it was not a duplicate request and that it shouldve been processed immediately upon the consumers request to do so. 
By failing to properly investigate this fraudulent item for the consumers request, this company violated the fair credit reporting act as well as the fair debit collection practices act. Failure to you processes investigation, has left the customer without any means of using their credit to take the services for their family. This negative item has impacted the consumer financially. 

Furthermore, I also fear that this company has violated state and local laws. Upon receiving that information and their negligence to process the investigation, his company did indeed go in a different direction. They found a judgment on an account that they know was being disputed as I didnt either in an attempt to deprive the consumer of their money knowing that it will be a long drawn out process for the customer to receive any funds back.
Product: Debt collection

XXXX XXXX XXXX has turned me over to a collection agency Apelles. They are saying I owe {$110000.00} for a checking account that is closed. The I did not have checks to the account. I only had a debit card and I could not overdraft on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was denied my updated credit report.. that i requested because of new information that is incorrect and in error. when i go online i only get garbage same thing when i call the phone number for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

More inquires that I did not authorize : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX picked up the car after 2 months since it was a lemon law and they put my account on Charge Off with Repossion while it's WRONG and INACCURATE! 
Selling Bad car and XXXX  my CREDIT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of report.
Product: Debt collection

I currently pay XXXX $ every 2 weeks. I havent revived a statement every 2 weeks like Im suppose to. The last statement I got was5/17/2022. I have contacted the company several times even spoke to supervisors. They keep saying the statement has been mailed out. We confirmed they had the right address and still nothing. Tried to get in text messages the first time didnt receive nothing that way either. Im very annoyed that I can not see what is being applied to my loan and if this is not handled I will be speaking to a lawyer to have him contact the company. key 2 Recovery has been an awful experience and they need to learn how to communicate and handle problems better.
Product: Credit card or prepaid card

I called Bank of America so they can lower my interest. I am currently paying over XXXX a month in interest and its crushing me. I was transfered over 5 times to various departments. XXXX with XXXX, XXXX, XXXX, XXXX and finally XXXX who dropped the call either intentionally or accidentally. I am willing to pay what I owe i just need the Interest lowered to 0 % or close to that. They wont budge! They keep saying its competitive. XXXX lowered mine to 9.9 % but BOA is unwilling. They even tried to send me to a 3rd party debt consolidation company. I told them I owe them the debt not to a 3rd party. My income has been reduced significantly and I pay them on time or early. Please assist.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Around XX/XX/XXXX I got my Capital One Credit Card. Ever since then I've only been able to use it a couple of times as the process of using it has been absolutely dreadful. The card only has XXXX credit but even though its such a low amount I have still not been able to successfully pay my bill even though money HAS been taken from my bank account. From XX/XX/XXXX I've tried to put in a payment of {$250.00} Dollars but since then it has taken the amount, returned it and taken it again with no sign of the credit showing up in my account. I have called their customer service number 6 times already and each time they have assured me that my problem will be fixed, have been put on hold for an hour, have been hung up on, and lied to many times. in summary this company has taken my money and has not put it back in my credit, I currently have a balance of {$240.00} with the available credit of {$5.00}. even though the customer service reps insured me that a credit of {$250.00} will show on my available credit it has not and never will. I it feels though as I have been scammed and this is outrageous because i don't have money to not care about as I am not a wealthy person and need all of my money and hate it when companies steal from their customers.