23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

My husband purchased a {$500.00} Vanilla visa gift card from XXXX for my birthday and it turns out the card had been tampered. A fake paper barcode was placed where funds can be scanned to and funds went to a scammer. We went back to XXXX that same evening and the store employee pulled all gift cards from the rack confirming all had been tampered with opening up each one to find a fake barcode inside. 
It has been a month and a half that I have been able to get a response from Vanilla gift card. I sent in all receipts and proof of scam and still no response. Every time I call they say it is still under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing inaccurate information that balances are incorrect also showing inquires that are not mine gm financial over charging on interest rates
Product: Debt collection

This company is trying to collect a debt that i dont even know who this company is. They just place information on my XXXX  credit report without my oersmission. I would like this company to validate the debt they are trying to collect.
Product: Credit reporting or other personal consumer reports

Capital one auto finance has reported false information to my credit report 3 to 4 times already. XXXX has dropped my credit tremendously, yet failed to provide an actual date for the false late payments, that capital one finance has sent out. My reports on all 3 credit bureaus are different. This is a clear violation of the FCRA 15 .U.S Code 1681e id like to have the false late payments as well as any points, taken from my credit report placed back on due to this violation of my right. I shall attach the proof as well. Capital one reports the end of each month. Lastly my balance is XXXX $ this account has been payed down XXXX less than a year and XXXX may gotten an XXXX point increase. Its absolutely ludicrous and unbelievable how unfair and inhumane the credit system is. Drop me XXXX points for missing a falsified XXXX $ payment. But gives XXXX points for XXXX in payments
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Debt collection

My bank account has be frozen. I was notified in a the middle of XXXX arrangements for my mother in law, that every account has been frozen for a debt I own but I not aware of anything that I am not trying to take care of. I returned home XXXX XXXX XXXX and they told me to contact O & L law firm in XXXX Fl I have left several messages and it 's Friday they not in the office. I pulled my XXXX and XXXX reports nothing about any judgements listed. I do n't know what to do still recovering from the storm no food in house and no money and my daughter at college ca n't get her money because my sis is on her account and now it 's locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any pupose.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate and fraudulent information on my Early Warning Services ( EWS ) report. The following accounts do not belong to me and appear to be the result of identity theft or a reporting error : * XXXX XXXX Account # XXXX * XXXX XXXX Account # XXXX * XXXX XXXX XXXX XXXX Account # XXXX I demand an immediate investigation and the removal of these accounts from my record under my rights granted by 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ). Additionally, failure to correct these inaccuracies may constitute violations of : * 15 U.S. Code 1681e ( b ) Failure to maintain accurate reporting procedures * 15 U.S. Code 1681s-2 Reporting false information with knowledge of errors * 15 U.S. Code 1681c-2 Blocking information resulting from identity theft Enclosed are supporting documents, including : * A copy of my government-issued ID * My EWS  report * A signed fraud affidavit I am also attaching the FTC identity theft report related to this dispute. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), you are required to investigate and correct errors within 30 days. Please confirm receipt and provide written confirmation upon resolution. 
Failure to comply may result in legal action. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent correspondence over 60 days ago on XX/XX/2020 identifying inaccurate information requesting it be deleted and/or updated. To date I haven't received a response regarding this matter. I feel like Im being taking advantage of, I was also apart of the Equifax data breach. This has been a stressful experience for me
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was disputed with the company the company deleted the account in which I have the deletion that was sent to me on XX/XX/19 the report number is XXXX
Product: Mortgage

I made a very large principal reduction payment and would like my loan to be reamoritzed on the new principal amount for the remaining term as well as the mortgage insurance be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I made a payment of {$1000.00} to XXXX XXXX XXXXXXXX XXXX. to satisfy the full amount of what was owed to XXXX XXXX XXXX. I have a letter that I received to confirm the account paid and closed. I disputed this information with Transunion the two months later when it was still being reported as a collection.
Product: Debt collection

FMR, Forward Movement Recovery, has used an automated dialer to call my personal cell phone repeatedly for the past week leaving messages for someone who is not me and who I do not know. 

I have now taken time out of my work day to call them back and tell them to put my number on their do not call list.
Product: Credit card or prepaid card

On XX/XX/2021 I was sent a letter from XXXX XXXX, CEO of Carrier Group Companies that they had a security incident and the privacy and security of information was breached. Shortly after that - my identity was stolen and credit cards opened in many different big box accounts like XXXX, XXXX XXXX, XXXX, XXXX XXXX etc. I was able to deal with their fraud departments and I froze my credit with all 3 credit bureaus. 

However, I had a Capital One XXXX XXXX card ending in # XXXX opened via an online account in XX/XX/2021. I have called Capital One more than a dozen times reporting the breach - and each time they report they have " investigated '' this account and it is my account and I must pay the bill. No matter what I do, who i speak to it is always the same answer. 

I have reported this breach, faxed in all required documentation, offered to meet with a banker in person - and to literally no avail - I can not get this one account cleared up. 

When I ask for the results of their " investigation '' to my issue- they say they can not provide me with any additional information and I should speak to collections to pay my bill. 

I would like to issue a formal complaint against : XXXX XXXX Capital One Financial Corp XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX I want to see the results of WHO via IP address of where my supposed account was opened. I want to see what the application was, I want to see what the results of their investigation against me was. 

Capital One Bank is the only bank that refuses to help me with my fraud claim - and their agents are so unhelpful- i think their internal practices should be investigated. 

I am reaching out for assistance in anyway you can offer. 

I hope to hear back. 

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

XXXX XXXX, {$3000.00} Representative stated to me that paid off balance will be reported as {$0.00} agreed upon because of my fast payment. XXXX XXXX XXXX XXXX did not have my permission to run my credit threw different lenders for approvals.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found inaccuracies in certain sections. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus are obligated to authenticate these accounts. It's impermissible to label these reporting accounts as unverified without presenting evidence within the legally stipulated timeframe. The following erroneous information in my credit report requires investigation and correction : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX Balance XXXX {$4000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX Filed : XX/XX/XXXX XXXXXXXX XXXX  Amount : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Okay I waited over a month to get a refund back from XXXX and I contacted them and they already send the refund back to Klarna and Im still showing that I owe XXXX but I return the computer back end of XXXX and I never got a email from Klarna or them saying they resolved my issues the order number is # XXXX I send them the tracking numbers and credit receipts but Im still being charged for this laptop
Product: Credit card or prepaid card

I have been a solid Chase Visa client for some twenty years, and have always paid my due payments on time. Because of that, my credit score is over 800 points. In XX/XX/XXXX, I have noticed massive amounts of charges coming from a company called XXXX. The charges were made from fifty-three ( 53 ) XXXX rides between XX/XX/XXXX - XX/XX/XXXX, to the tune of {$650.00}, which translates roughly into one XXXX ride more than every other day for these three months. Since our ( my wife, kids and I ) usual pattern is to use XXXX perhaps once every other month or less for $ XXXX per ride, upon examination of my statement in early XXXX, on  XX/XX/XXXX I called VISA 's fraud department to report the fraudulent use of my card. 

On XXXX XXXX, XXXX I received a letter from Visa 's Fraud department acknowledging the fraudulent charges, temporary removal of charges associated with them, pending investigation, which should have been a normal and final resolution of the case. 

To my delight, on XX/XX/XXXX I received a letter from XXXX stating that during the investigation it was determined that the charges were fraudulent and they will be permanently removed. 

Unfortunately in XX/XX/XXXX, for very unknown to this day reason, all the fraud charge removals were reversed and I received a XX/XX/XXXX bill with {$650.00} charged back to my card!

In XX/XX/XXXX I had at least five long discussions with various people, mostly from now " Recovery Department '' who must have been given an order to deny fraud claims, perhaps, so XX/XX/XXXX could look better on their books? I talked to ( XXXX ) XXXX from XXXX, then was told to call XXXX XXXX   at extension : XXXX ( who promised to send me a proof for the claim validity and never did ), then the other two I do not remember, and now XXXX at extension : XXXX. All sr. Specialists II, Fraud Department, or Recovery Department. 

On XX/XX/XXXX I received a letter from XXXX, Sr Specialist II, Fraud Department where hse states the following : " We have reviewed your claim again ; here is what we found. Our latest review confirms the " previous finding that the transactions are valid ''. After calling and talking to her she has promised to send me a proof based on which she made that decision, but instead, on XX/XX/XXXX, I received the same letter from a new Sr. Specialist - XXXX ( XXXX ext. XXXX ). 

I am lost. 

Consequently, after countless phone calls with the Visa Freud " Recovery '' Department in XXXX and XXXX, being extremely, extremely frustrated with their total disdain towards me and utter lack of response or providing any proof that would validate the charges ( they have told me that they have received it from the XXXX ), I  have resorted to filing this complaint and starting to consult with the legal professionals. 

Kind regards, XXXX XXXX
Product: Debt collection

I have on numerous occasions tried to have this debt removed off my credit reports from this company. It is showing that I have a total of 3 credit cards with all negative balances and maxed out how is that possible as previous stated I have been a victim of ID THEFT even with the internal revenue to the point I have a specialized pin I use to my federal income taxes. I can verify that I only opened one of the credit cards and I still have that one card in my possession ending in XXXX. Please see what can be done so that the company removes this information on my report because it is negatively impacting my character and credit history any assistance that you can provide will be greatly appreciated the account numbers that are in question are : # XXXX balance is also showing for XXXX and also XXXX now how can a company say I owe this many cards if the first one is defaulted why are they issuing more cards this information needs to be updated and removed immediately
Product: Debt collection

A company claiming to be a " Legal Services '' company by the name of XXXX XXXX XXXX, has repeatedly called and texted family members, co-workers, and friends, leaving threatening messages. The company has claimed I am being sued, that my house is going to be taken away and that I will be sent to jail. When I tried to discuss the issue with them they called me several names and used abusive and XXXX language.
Product: Credit card

We field a prior complaint with CPFB regarding wrongful negative reporting by Kohls department store. We filed a complaint with all XXXX bureaus. XXXX repsonded by letter and removed the negative reporting ( attached ). We heard nothing from XXXX. After several phone calls to call centers we learned that XXXX had no record of a complaint. We filed for the third time. We contacted XXXX, after several attempts and supervisors, they stated that Kohls said the information was correct. They advised that we file another complaint. I understand that Kohls was to have reported to all XXXX buraeus, not just XXXX. This confusion is causing my family great stress. After filing Chapter XXXX in 2011 we have been working XXXX to get back on our feet. We have made an offer on a home and we are about to lose it because of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase will you send me a copy of your Companies legal compliance procedures as to how you are suppose to legally note a credit report after conducting a proper investigation I know you failed to enter the remarks after reviewing the FTC website and The FDCPA youre marks should read consumer dispute meets FCRA requirements. 

If you look at Equifax report they entered the note correctly for their company policy and their company purpose only I open a dispute with them they noted the account consumer dispute reinvestigation in progress This does not apply to you I have to give Equifax credit for following the law and doing whats right! 
XXXX XXXX DO NOT show that any investigation have every been conducted by your company remove this for fcra violation The law requires you to enter consumer dispute meets FCRA requirements with in 30 days of a complete investigation send me proof that you fail to follow FDCPA which automatically put you in violation delete today
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this account to be removed and updated to on consumer report I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency corelogic has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681. Failure to address and rectify this dispute within the regulatory framework may regrettably compel me to pursue legal actions. I appreciate your immediate attentio to this matter and expect a timely response and resolution. 

Account Name : [ XXXX XXXX  ] * Account Number : [ XXXX ] * Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] * Account Name : [ XXXX XXXX ] * Account Number : [ 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. also 15 U.S. Code 1681 ( o ) * 15 U.S. Code 1681 ( i ) * 15 U.S. Code 1681 ( e ) ( b ) * 5 Violations in total
Product: Credit reporting

I 've contacted transunion on several occasions and faxed police reports and FTC Identity theft report to them as well and they have n't removed the fraudulent inquiries yet!
Product: Mortgage

I am concerned with the approval process used by Lakeview Mortgage in Maryland. They provided my client for a conventional mortgage at $ XXXX. They provided a conventional pre approval letter as well. I submitted an offer for my client based on this approval letter and we went under contract. I provided the ratified contract to the lender and he then states he couldnt do the loan it needed to go FHA. He only provided me a conventional letter to help my buyer in her search. He actually had no intention to ever do a conventional loan for my client. My client can not go FHA and was banking on a conventional approval. We are now under contract struggling to get financing because of their negligence to properly approve my client. The loan officer stated hes been doing this often because FHA loans have been frowned upon in the market. I think its bad ethics to give a client a hope for an approval without providing the facts. Im not sure if this has happened to other people but it needs to be documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX, have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies related to identity theft. Unauthorized inquiries include XXXX XX/XX/21 XXXX/XXXX XX/XX/21 XXXX XXXX XX/XX/XXXX XXXX  XX/XX/21 XXXX XXXX XXXX  XX/XX/21 XXXX  XXXX XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

around XX/XX/2015 my account was low on funds and i desperately needed to feed my kids for the day. i wrote myself a check for {$20.00} and deposited in the atm. I knew that my direct deposit would be in my account by the next morning. by the next morning the bankn had closed my account, reported me to chexsystems as fraud and an unpaid balance. when i went into the branch to find my paycheck and to see what happened they said the account was closed. The {$20.00} as paid at that time so i dont owe them a balance and i dont feel i should have been put in chexsystems as fraud. i have tried repeadily to get this corrected and no one seems to know who supposed to speak to or call. as a result of this i can not open a bank account anywhere. i have talked to customer service, risk dept and branch personel and gotten no where.
Product: Credit card

I received a email alerting me that applications was submitted XXXX to jpmcb but was block do to a credit freeze. I didnt fill out an application nor did I give any one permission to on my behalf. I contacted trasunion right away to notify them I didnt submit any credit application today. I was then told to call chase to alert them that this application was file fraudulent. I called chase application department at ( XXXX ) XXXX in which the rep said had ask to provide my ssn and name. Upon looking she locate the application and flag it as fraud I request a copy of the application to file with my police she told I would have to follow the step in chase identity theft kit to be able to obtain a copy of. In which she ask for my address to mail out the theft kit and also told me that a letter would be sent over to the credit to remove and inquire from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX accounts on my credit report and TransUnion says it's not being reported. I am attaching proof it is still being reported. XXXX XXXX Account # XXXX also XXXX XXXX Account # XXXX and XXXX  Account XXXX XXXX This is a violation as well as me as a consumer being lied to about my credit report. Please remove this information as TransUnion says it is not supposed to be reporting. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit profile that do not belong to me. I have submitted my personal information as an attachment to depict who I am. Please remove it from my credit. Thank you.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several accounts and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. I am providing the following details regarding the disputed account 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. 

XXXX XXXX XXXX account number XXXX XXXX bank account number XXXX XXXX XXXX account number XXXX credit collectors services account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXXa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have 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.