23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have retained XXXX XXXX XXXX to help me with all of my credit card debts. 
I have identity theft since XXXX and a work injury XX/XX/XXXX and the Department of Labor helped me with my injury. Also, XXXX shut us down in Nevada when I lived there. 
Then, I moved temporally to XXXX XXXX  to get help with my existence. I also, dissolved my XXXX XXXX business and XXXX XXXX XXXX XXXX. 

Furthermore, right now I am paying XXXX XXXX XXXX to pay off my credit cards. I am working on a XXXX XXXX at XXXX of XXXX XXXX Studies and done XX/XX/XXXX. 

Thank you for addressing this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX or XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 
Please delete the following accounts : 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

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  OTHER NAMES LISTED DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OTHER ADDRESSES THAT DON'T BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EMPLOYERS THAT DON'T BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXX XXXX {$280.00} XXXX XXXX XXXX  XXXX {$750.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Vehicle loan or lease

The question has not been answered provided statements for balance on the vehicle.And any agreement with XXXXXXXX XXXX and first Texas auto credit. XXXX XXXX. Stated in order to pick up vehicle was the amount of XXXX. There's miscommunication.we just want to be aware of the situation. y'all have failed to provide the information on the sale of the vehicle. The collateral was never owned by XXXX XXXX. First Texas auto credit union has there vehicle, - money.
Product: Credit card or prepaid card

I have been receiving emails from Capital One in regards to someone else 's bank account ( Credit Card ), I have tried an failed to get these stopped on the banks end. I have chatted with someone on Capital One 's Online Chat and forwarded emails to their 'abuse ' email address ( Date of Chat & Email interaction : XX/XX/2020 ). This stopped the emails for a couple of months however the emails have since restarted. 

For further information ; I can not access anything else regards to the account and I am only receiving statement and payment emails. I live in the XXXX and the account holder lives in the US ( this is a 'best guess ' as the amounts in the emails are in USD ). 

I can see the persons full Given & Family Names, the first initial of their Middle Name & the last 4 digits of their account number. On the statement emails I can see the balance, the minimum payment & the payment due date. On the payment emails I can see the amount paid and the posted date. 

I do not know any further details about the account holder and all contact information that has been filled out are my details so that this can be sent through. I have included the account holders name as the 'other person ' involved in this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called every day for the past two weeks and I have gotten no straight answer. I have sent my social a cover letter my drivers license. Equifax is making it impossible to lift my fraud alert and Im trying to move forward to buy a house. At this point Im at a stand still. I sent a fax at least ten times. Starting on XX/XX/11. They say my file doesnt exist. That they cant verify my identity. I am beyond frustrated and every time I call they say something different.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted credit card statements, showing monthly payments to XXXX XXXX ( account opened in 2016 ), and the credit bureaus have not removed several late payments from the account. Experian, XXXX, and XXXX have all sent me messages, stating that my dispute with XXXX XXXX has been remedied. Yet, the inaccurate information still shows on all three of my credit reports. I have disputed this issue at least six times with the three credit bureaus. They continuously contact XXXX XXXX for input ; however, they never look at my evidence, which shows that I did not make over XXXX XXXX XXXX XXXX XXXX late payments. XXXX XXXX 's erroneous reporting is affecting my credit score. Statements will be provided upon request.
Product: Checking or savings account

We have a business checking account with Wells Fargo. They put a hard hold on the account due to the nationality ( XXXX ) of one of the company owners. This hold made without any prior notice, and we provide the requested documents on the next day. Now passing 10 Business day and they have not removed the hard hold from the account. We made 2 claims with their customer services but no one answer us. we made contact direction with the involved department ( via email ) and they are not responding at all. This face all of our business being shut down and we suffer a lots of loses. 2 days ago we ask them to close the account and refund the money in the account ( XXXX $ ) but they even refused that!
Product: Credit reporting or other personal consumer reports

I discovered errors on my credit report related to 15 USC 1681c-2. The inquiries shown were not approved by me and are negatively impacting my credit. Kindly remove all unauthorized hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from Equifax, datedXX/XX/XXXX. I then contacted Equifax to ask questions regarding my account history. I asked if It would be beneficial to have the 5 accounts listed ( closed by me and always paid as agreed ) removed since the credit report states accounts paid on time should not be reflected on the credit report. I was told to file a dispute and have them removed by the representative. Dispute was filed XX/XX/XXXX. I recently checked my credit scores and Equifax decreased my score by 3 points because my account history was removed! I called Edquifax again today and asked the representative to put my credit history back on my credit report and if we had to file another dispute to do that, then I want to do that. After an hour on the phone with a representative that did not speak English very clearly and who obviously did not understand my simple request of putting my credit history back on my credit report, I gave up! This is not a difficult request.
Product: Mortgage

My loan with XXXXXXXX XXXX XXXXXXXX transferred to Freedom Mortgage Corporation on XXXX XX/XX/2024. 

I am not writing because anything went wrong in the transfer ; Im writing because I believe Freedom Mortgage Corporation ( Freedom ) is misusing their mortgage company/client relationship to advertise and sell their loan products. In my 12 years as a homeowner, Ive never been barraged by a mortgage company about starting a line-of-credit backed by my home as Ive experienced with Freedom . I believe the sales tactics ; the constant suggestions and pressure - pasted at the top of the payment page, reminded in emails, regular telemarketer calls- are predatory practices and should be reigned-in. 
I had no choice in the transfer of my loan, I should have an opportunity to opt out of the predatory sales tactics and I havent come across that option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not inquire from company or banking date on XXXX XXXX
Product: Credit reporting or other personal consumer reports

My FTC paperwork is still not being attached to my disputes and the dispute process is not being done correctly
Product: Credit card or prepaid card

I was sent XXXX $ to my Paypal prepaid Mastercard, and they put a hold on the money but it was received. But I've done all the requirements to uplift the hold on the money I have on my Paypal account so I can transfer it to my Prepaid Paypal Mastercard. They said they can hold it up to 21 days because I'm a new account holder, but there was waysto get the money faster, which I followed every step but still have a hold on the money.
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 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX LOAN Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : CXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 XXXX 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 XXXX 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

I have a Capital One credit card and decided to download their app onto my smartphone. After downloading it, the institution asked for permission to access my telephone book as well as the pictures stored on my phone. I called Capital One and spoke with their Tech Support department and told them that asking for this information to get access to their app is a total invasion of my privacy as well as being none of their XXXX business. I was told that 's the only way to have access to their app. 

Capital One should be brought to task about this for the aforementioned reasons and redesign their app ASAP so users do NOT have to disclose this type of personal information
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Product: Debt collection

Hello, I was out of work for a year. I paid for a service for coverage for this account. They did not honor that coverage. They have now sent my account to a collection agency, without fairly deducting payment hat should have been paid. Therefore, they have ruined my credit and also applied unfeasible. The balance on he account should be much lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and XXXX XXXX since I saw on my credit report that a credit card I have is showing as closed at XXXX request. XXXX XXXX has told me the card is open an active and does not see a problem. I contacted experian and after the dispute the status stills says closed on my credit report. They told me XXXX   XXXX  keeps sending back the account is closed when they try to reconcile the dispute. I called XXXX  XXXX  again and a customer service representative told me I requested my card to be closed in XXXX  and hen reopened later on which never happened. I have waited weeks for this to be resolved and every time I call they say they will open a ticket and someone will call me back. I never revive a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late??? I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

I have multiple business and personal checking accounts with Chase. 

On XX/XX/XXXX, I opened a new business checking account, named " XXXX XXXX XXXX XXXX ''. I then, via my phone using the Chase app, deposited a check from XXXX XXXX, in the amount of {$45000.00} ( Chase published maximum check deposit amount is {$150000.00} ). I had closed the account at XXXX XXXX, received a check in the amount of the account, and wanted to open the same business operating account at Chase. 

On the morning of XX/XX/XXXX I checked the account online to find I am completely locked out of accessing ALL of my Chase accounts including business operating accounts. I called Chase, Chase got XXXX XXXX  on the call, and the deposit was confirmed not to be fraud. 

Access to all of my Chase accounts is still prohibited. Chase has seized all of my assets based on a DEPOSIT into a new account that Chase has verbally confirmed from XXXX XXXX  is not fraud. Chase has refused to document, in any form, this issue. No email. No recorded calls.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed a certified letter disputing incorrect information on my credit report to Transunion. I asked them to verify all of my account information with my signature on it. ( Accounts are listed below. ) I filed for identity theft and I think this is part of it. 
XXXX XXXX XXXX # {$310.00}, XXXX XXXX XXXX # XXXX {$1100.00}, XXXX XXXX XXXX # XXXX {$740.00}, XXXX XXXX XXXX # XXXX {$640.00}, XXXX XXXX XXXX # XXXX {$120.00}, XXXX XXXX XXXX # XXXX {$9200.00}, On XX/XX/year> E.T. or A.T. signed off that the letter was picked up. On XX/XX/year> Tranunion mailed me a letter stating that the dispute was resolved. I was NOT sent any letters showing my signature are a real verification. They just stated on all the accounts I disputed that ( VERIFIED AS ACCURATE ) that is not a real verification. No signatures, no contracts nothing just we verified. According to law I need real verification within XXXX days or they must be removed and or deleted. Today is XX/XX/year> we are in XXXX days. Please feel free to enforce the law on these disputes. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account XXXX is reporting inaccurately across all 3 credit bureaus. I also did not give this company to report this information to my credit report. This reporting I believe has caused me traumatic stress. I recently opened a new XXXX account. My husband has a business bank account with XXXX. We have a tax company that has made XXXX XXXX thus far. My first pay out was XXXX XXXX. XXXX opened my account and cleared my check. About a week later they decided to close my account with no explanation besides it was a company decision. I believe this negative account I did not consent for the company to report was the reason my account was closed. I was discriminated against based off of this inaccurate reporting account. XXXX reports a diff open date than the other credit bureaus, XXXX shows $ high limit while trans and equifax reports {$4000.00}. Equifax reports a different last reported day than experian and transunion. Date last active report diff on all 3 credit bureaus. Date of last payment is reporting diff on equifax. I had to wait for them to mail me my check which took almost a month after they closed my new account. My check was cleared by my Michigan XXXX XXXX XXXX with no issues. I am demanding this company to remove this account from my credit report immediately as I never gave my consent and per the FCRA I must be told if information in my file of consumer reporting is being used against me.
Product: Credit card

I have an account with Spencer Savigs Bank which is managed by Elan Financial. Not only did I receive a call from them telling me that I was XXXX days past due without them even verifying any information other than my name, when they discovered that my payments had applied to my spouses account, they refused to transfer the payments. They said that they could not transfer the payment because my husband has a payment due this month on the XXXX. His account is not past due and they see that more than XXXX payment has applied to his account and this is an obvious error yet they still refused to transfer the XXXX payments that were made to his account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I filed a letter ( certified mail ) XXXX weeks ago stating that my personal information was incorrect, and that I would like my current address updated, and an old address deleted. I also asked that my name ( typed in reverse ) be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I inquired about an equity line of credit in  XXXX  of  XXXX  with   XXXX   XXXX   XXXX   XXXX  . On  XXXX / XXXX / XXXX , someone posed as me in front of a notary at the branch signed my middle name wrong and found out the branch  manager   XXXX   XXXX  was n't even a notary under that commission number that show 's on the deed of trust which I never signed. This loan balance is  XXXX  as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  stole my identity to embezzle {$95000.00} dollars by doing electronic deposits from  XXXX   XXXX . The reason I say it 's embezzlement because those amounts were deposited but never charged to the equity line. I have all the evidence to show the proof of fraud. Never once did I sign or authorize an y one to  use my identity.
Product: Payday loan, title loan, personal loan, or advance loan

/An order was accidently placed on XX/XX/XXXX to XXXX XXXX XXXX XXXX through Klarna.com and immediately cancelled the same day. They were kind enough to cancel and told me the money would be refunded to my checking account in 3 to 5 days. Fast forward the next day or two, I called Klarna to alert them about the cancellation by chat ( I have included my screenshots of the conversation ) ; ,2 ) I gave screenshots of the cancellation letters and my bank account. This csr did not help. So, I called Klarna and spoke with a rude and ridiculous person. For example, the csr was laughing and carrying on with whoever was in the background. After the 5th time of repeating the same story of what happened, I requested a supervisor multiple times ( more than 5 times ) but receive no one. My patience has run out here because this person clearly doesn't care! The csr said, " There are no supervisors! If you want me to beg for you then you need to talk to me! '' I was tired of her and her games! I asked, " what the F -- is the matter with you? '' and I told her that I did not want her help and said, " I will call back latter! '' I told the csr that I was not there to be made fun of or abused! Again, I called back XX/XX/XXXX. A new csr assured me that she processed the proper paperwork to refund the money back to my account. My account still has not been credited the {$49.00} due me! It has past 10 days and no money! Can you please help? 

Sincerely XXXX XXXX