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

My XXXX, XXXX XXXX, died on XX/XX/2021. I called Capital One to cancel his credit card account and I was informed that there were thousands of dollars of charges on his account that were made after he died. Capital One refused to tell me exactly what the charges were, but did tell me that they were made with the physical card by a " XXXX '' merchant selling healthcare services. I informed Capital One that these charges have to be fraudulent, as dead people can not make purchases from XXXX vendors of healthcare services with a physical card. Capital One customer service and various levels of " supervisors '' informed me that these charges can not be disputed because only the account owner can dispute charges. In this case, because the account owner is dead, there is nothing that can be done to dispute the charges. I later sent a letter to Capital One again informing them that these charges are fraudulent and asking them to stop attempting to collect fraudulent debt from my husband 's estate. They sent me a letter saying that they have investigated and that their investigation showed no signs of fraudulent activity. Apparently, in Capital One 's view, there is nothing indicative of fraud when a dead person uses a physical credit card to make purchases after he has died. Capital One 's letter further mentions that I may be contacted by a " third-party, '' which I assume means they are going to involve debt collectors in attempting to collect money from my husband 's estate for fraudulent credit card activity.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be the third time I will have had to have the negative information removed for the same issue, previous equifax dispute XXXX account in question is -XXXX XXXX- on my trade line with equifax. This collection company has re-aged the debt and falsified payment info as well. the original creditor is XXXX XXXX  XXXX XXXX. This trade line from the original creditor was removed twice already from my equifax credit report. This account was was also removed from a previous dispute with the CFPB XXXX. It is back on my equifax credit report. This is not my account. I'm enclosing the original dispute investigation as it shows XXXX XXXX could not verify the debt and it was removed.
Product: Credit reporting or other personal consumer reports

I have submitted a disputes on XXXX showing the inaccuracies on my consumer report and the credit bureaus are not doing a proper investigation, proof since they're being sued right now ( Sham Investigations ). FDCPA XXXX XXXX XXXX XXXX protects me and my rights from the bureaus reporting false and misleading reporting. They have written off the debt but are still reporting it on my consumer report, that is fraud. These accounts are inaccurate. I demand these accounts be deleted immediately or i will file for ligitation due to the stress you've caused me. 

We have reason now to believe the whole account is fraudulent because now youre putting an account as a debt, because a charge off is on there. A XXXX was filed. According to the IRS Form on their website, Form XXXX must be filed regardless of whether the debtor is required to report the debt as income. So the status of a charge off on my account is an inaccurate account and must be deleted. A charge off is suppose to be reported as income, as ordinary income, not debt, because they filed it and they got a tax break and the IRS says you must get your XXXX IRS also says it must be filed as income, and income doesnt get reported on the consumer report. That makes this charge off fraudulent. Please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Falsely gave permission to the following parties, using forged consent, to create hard iniquities on the following reports : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Credit Report XXXX XXXX : Organization : XXXX XXXX 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: Checking or savings account

I have a cleaning business and i did a few jobs and sent out invoices for payments from customers snd once they were all payed i went to transfer the funds to my regular checking acount to see that they were not eligible! All of a sudden after using the square account on multiple occasions they decided they couldnt offer services to me any longer, but no explanation was given, i called several times asking for my funds to just be transferred to my connected banking account and have had zero luck what do ever! As well as many many emails and chats online as well. This isnt much money to most poeple but to a single mother of XXXX at XXXX time on top of running my own small business its alot to me and its definitely putting a strain on my success.
Product: Credit card or prepaid card

After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to Barclays Bank resulting in a fraudulent credit inquiry on my XXXX credit report from Barclays Bank. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent Barclays Bank credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both Barclays Bank and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. Barclays Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent Barclays Bank inquiry removed from my XXXX credit report. The date of the fraudulent Barclays Bank credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by Barclays Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with Barclays Bank.
Product: Mortgage

In XX/XX/XXXX, my home owners insurance agent, erroneously terminated my insurance coverage. 

Shellpoint Mortgage servicing company, then placed my account in escrow and started charging a higher rate of about {$5300.00} instead of my usual {$3600.00} a month. 

I realized this in XX/XX/XXXX and got my homeowners coverage reinstated ( my homeowners insurance agent-XXXX XXXX apologized for the error and got it reinstated ) I have since reached out to Shellpoint Mortgage services many times to reduce my monthly payment back to {$3600.00} a month. This is after I provided proof of homeowners insurance coverage. 

This includes at least 7 to 10 different phone calls in the past 30 days as well as 7 to 10 emails following up. I received an email shellpoint Mortgage services stating that would be a refund in the escrow account, however, after I spoke with the agent today, XX/XX/XXXX, the agent informed me that there was - {$1500.00} in the escrow account. The agent I spoke with today responded that they would not be able to lower my mortgage for at least another 12 months Could you please assist me in getting my refund as well as lowering my monthly mortgage amount back to {$3600.00} a month? 

I believe it is fraudulent and deceptive practice to charge a customer higher than the agreed monthly mortgage payment, despite my efforts to show them that I have adequate homeowners insurance coverage through XXXX XXXX
Product: Credit card or prepaid card

I just recently divorced. Me and my ex husband both has credit cards with USAA. One card ( XXXX XXXX ) I'm the primary holder, the other card ( XXXX XXXX ) my ex husband as the primary holder, we both added other into the account for convenience during the marriage. I was not sure what term we added each other " joint holder '' or " authorized user ''. Now that we are divorced. We would like to get each other 's name off the cards but was told by USAA we are not allowed to do so. I requested to see any papers that shows we both signed if we were " joint holder '' or " co-signer '' as I know for both of us to be equally responsible for the cards we should at least signed something. But they couldn't provide such documents. I contacted them multiple times. I was told to get a call back never did.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries on my credit report. After reviewing my report, I noticed the following entries contain errors and were made without my authorization : 1. Account Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/year>. 

I have not given permission or consent for these inquiries, and under the Fair Credit Reporting Act ( FCRA ), only authorized and legitimate inquiries should appear on my credit report. I request that these unauthorized hard inquiries be removed immediately.

Under the FCRA, I am requesting : 1. A thorough investigation of the inquiries listed above.

2. Removal of any unauthorized inquiries.

3. An updated copy of my credit report reflecting these corrections.

Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies.
Product: Debt collection

I was a victim of identity theft and noticed a collection from LVNV FUNDING LLC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against LVNV FUNDING LLC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a forthwith judgement with XXXX XXXX XXXXXXXX to pay the defaulted auto loan and have been paying to the law office on behalf of credit acceptance. 
credit acceptance is not reporting the payment 's I am making every month and has not adjusted the balance owed as of today I filled out the dispute form from credit acceptance and they said its reporting accurately this was in XX/XX/2021 I have disputed with the bureau and they said it was verified and accurate I have a letter from XX/XX/XXXX from the lawyer office with a payment breakdown and balance that is inaccurate from what's on my credit reports.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

In XX/XX/XXXX, I received a telephone call from a representative of Best Buy XXXX, asking if I had made several large purchases, including airline tickets on XXXX and XXXX XXXX. I said " no '' and asked that those charges be cancelled and my account closed. 

The representative assured me that would happen and I did soon receive a new XXXX card in the mail. ( I never lost the original card. It was in my possession the entire time these fraudulent charges were made. ) When I checked my account a couple of weeks later, the charges were still there. I telephoned Best Buy Credit Services and sent an online letter via their website, protesting the charges and asking that they be removed. 

On XX/XX/XXXX, I received a physical letter in the mail ( dated XX/XX/XXXX ), denying my request and " proving '' that I authorized the charges. Photocopies showed someone used a fictional name that was similar to mine, along with my home address and telephone number to purchase airline tickets. Passengers named " XXXX XXXX '' and " XXXX XXXX '' boarded the plane. 

I emailed immediately, pointing to ID theft and asking that the fraudulent charges be removed. I also telephoned Best Buy Credit Services again, making the same request. 

I received an email response saying Best Buy considered the matter resolved. 

I made several more phone calls to Best Buy and to Citbank ( co-brander of the XXXX card ). One person told me to fax a letter and a photocopy of my driver 's license to Best Buy in order to reopen the case. I faxed that letter on XX/XX/XXXX. I have heard nothing since. 

There is only one valid charge on my account : a {$51.00} donation to a food bank. I am happy to pay that once all the fraudulent charges are removed. 

Best Buy Credit Services has been extraordinarily difficult to deal with. I don't understand how someone can make so many large purchases without having the card and security code in hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Linebarger Goggan Blair & Sampson , LLP as the collection agency did not provide any appropriate response to my previous disputes to XXXX in regard to the administrative fees that are piggybacked with the tolls, and the correct payments have been proactively submitted for the tolls on the notices. There is no legal basis of how this administrative fee ( {$75.00} ) is calculated or determined. Therefore, to charge this unjustified administrative fee is an act of abusing administrative power, and completely capricious and wrongful.
Product: Payday loan, title loan, personal loan, or advance loan

A loan for {$700.00} was taken out on XX/XX/year>, however, this loan is illegal in my state. This loan is charging 600 % interest, which is illegal in the state I reside in, XXXX. They claim to be free of any law 's minus " XXXX XXXX XXXX XXXX however, they are operating illegally under the nationally recognized XXXX name and are being operated by a third party not associated with this XXXX  at all. XXXX XXXX are still required to follow state laws in the states they are dispersing loans, however, there is no license for this lender in my state and therefore, this loan is completely null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing and disputing several accounts on my credit report since XX/XX/2016 due to me being a victim of identity theft.. Equifax refused to delete this account from my report. I provided a police report and a report from FTC and all notorized documents. I 've contacted the creditors as well and provided them reports and these accounts were deleted by the other bureaus but not from Equifax. The send the same letters back asking for my identification during each dispute which they already have on file with I believe that is to hinder my ability to have these accounts removed. I am frustrated and completely furious about how I am being mistreated. This is the same company that betrayed the consumers and refused to tell us about the breach of information so they can not be trusted in my eyes.
Product: Credit reporting or other personal consumer reports

The discrepancies in my late payments are not in line with my usual payment behavior.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, XXXX, and Transunion for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me and I seek resolution.
Product: Credit card

XX/XX/2023 I made a payment for the total balance amount of my capitol one card. 

XX/XX/2023 i called to make sure the payment would go through, or make an alternative payment method I was told to call back on XX/XX/XXXX to make the payment and my card would not be closed. 
I called back on XX/XX/XXXX to make payment and my card was closed due to it being the second charge back. 

I told the company that the first charge back was due to a fraud attempt. They said there was a chance to open my account back up but there has been no attempt yet.
Product: Student loan

Cant afford to pay right now I dont make the money to afford it at all but Im in school trying to do better but it still bill up
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.SC 1681 section 602a states I have the right to privacy.

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

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX****, has violated my rights.

15 U.SC 1681 section 602a states I have the right to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several online disputes have been sent to Transunion directly through their site as well as the CFPB portal. These disputes have included the FTC report, a copy of my DL and lease as well as proof that my identity has been compromised on the dark web. Yet, Transunion has repeatedly refused to remove the once deleted XXXX XXXX XXXX account from my credit report. Additionally, they reported that the fraudulent account has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have this account removed from my credit report because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE IMMEDIATELY!
Product: Payday loan, title loan, or personal loan

I am trying to get detailed information regarding missing payments to this account, XXXX x XXXX UNITED CONSUMER FINANCIAL SERVICES Account # XXXX. 
I have sent Emails on XX/XX/XXXX and XX/XX/XXXX, and have spoken to UCFS on the phone on XX/XX/XXXX, XX/XX/XXXX, and twice on XX/XX/XXXX, in every instance I have been refused the information I requested. 
I simply want information regarding the payments I had made ( verified, processed, posted, and reflected in my account balance ) that have disappeared. 
They claim they do not have that information and can not supply me with any explanation other than that they were reversed. 
If that was in fact the case, they are obligated to provide me with detailed written statements FROM the Federal Reserve of the reversals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Its almost impossible to freeze or unfreeze your credit report with Experian without being forced into signing up for their {$40.00} a month XXXX credit service. 
If I wasnt an advanced computer user I wouldve never figured it out most users I suspect get pushed into signing up unknowingly for their monthly credit watch service. 
I challenge you to download their app and freeze or unfreeze your credit report without having to pay them a monthly fee. 
Im also disturbed that I had to create an account in order to file a complaint with my government against these fraudsters.

I cant believe Im not the one millionth person complaining about Experian they shouldnt even be in business after that giant data breach.

They really are XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above inquiries were supposed to be soft inquiries rather than hard inquiries. I will like these to be dropped off my credit report