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

The account with XXXX had to be closed because there were fraudulent charges and the company racked up fees and delinquency charges while we attempted to negotiate with them over the fraudulent issue. A hotel XXXX in the XXXX XXXX forced us ( at threat of physical harm ) to pay our bill, even though the entire stay had been prepaid through XXXX. XXXX 's fraud protection should have covered the risk but they refused to reverse it. Their response to our claim is that no information was provided showing the bill ; however proof of payment ( see attached ) was provided to them in 2019 showing the hotel was paid through XXXX, and then paid again with the XXXX card when we left. 
Additionally, this merchant was the ONLY creditor who did not agree to work with us in 2019 when we had a job loss in the family. As you can see by the credit report, all other creditors closed the accounts and set up payment plans for us. XXXX was the only creditor who did not offer assistance or a payment plan. As you can see there are NO late payments showing for the creditors we worked with at the time of the job loss. All were contacted and offered monthly payments. XXXX refused to reverse the fraudulent charge covered by the card terms and conditions ; they assessed delinquencies fees and reported lates to the credit bureau while we were attempting to work out payment on the account. This put the balance into an " over the limit '' status and even higher interest rates were charged. 
XXXX did not uphold the terms of the card agreement, and engaged in usery by tacking on higher than normal interest rates and fees while the account was in dispute. We were taken advantage of by a company who tried to profit off our hardships.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department Dear XXXXXXXX XXXX  Dispute Department, Subject : Dispute of Fraudulent Account and Past Due Payment My name is XXXX XXXX, and I am writing to dispute a recent matter concerning a past due payment of {$1000.00} associated with a XXXX XXXX  account. I have received multiple letters regarding this debt, but I have no recollection of ever opening a bank account with XXXX XXXX. 

As a minor, I have never personally opened a bank account, and I believe this account was created fraudulently as part of identity theft. I am approaching the age of XXXX and would like to resolve this issue promptly. I have filed a report with identitytheft.gov and am in the process of submitting another report with the Consumer Financial Protection Bureau ( CFPB ). 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that XXXX XXXX  investigate this issue and take the necessary steps to close the fraudulent account and remove any associated debt. I should not be held responsible for a debt resulting from actions I did not authorize. 

Please confirm once this matter has been resolved. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received a notice the XXXX  auditing my XXXX taxes and say I didn't include {$23000.00} self-employment income paid to me by XXXX XXXX XXXX XXXX. I filed a fraud report with XXXX and with XXXX XXXX XXXX and yesterday XXXX XXXX XXXX XXXX XXXX XXXX. There is no place I can find to file for the fraud against being a client of Block Inc fka XXXX? I just saw you won a lawsuit against this company ( and Cash App owner Block ) protecting consumers. But nothing about fraudulent XXXX 's the company filed with the XXXX about money they claim to have paid their clients. The XXXX is working with me, but unless I can prove the company did not pay me self-employment income of {$23000.00}, the XXXX wants their money. I sent Block Inc a letter ( along with copies to the IXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Innovation ) asking for a corrected XXXX for XXXX tax audit stating correct amount is {$0.00}. I am not a client of Block Inc/Square, I have no website for using Square, I have never had Cash App, never had XXXX, etc. I never received a XXXX in XXXX or to date. I should not have to pay taxes on self-employment income because I wasn't self-employed or employed. I'm XXXX and have been XXXX XXXX XXXX XXXX XXXX XXXX since XXXX. He was ventilated for XXXX and had XXXX XXXX XXXX XXXX. He came home in XX/XX/XXXX ( XXXX XXXX XXXXl XX/XX/XXXX ) and I've been caring for him ever since.
Product: Credit reporting

Did not close account! This account is past the 7 year mark and want it removed! Trans union and XXXX Opened Date XX/XX/2009 XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Product: Mortgage

On Friday, XX/XX/XXXX, I agreed to the refinance mortgage terms offered by senior loan officer XXXX XXXX at New American Funding. I was issued a Loan Estimate and signed the necessary documents to begin the loan process. 

On Saturday, XX/XX/XXXX, via email correspondence I inquired about making sure our rate was locked in and how that would work with the holiday weekend. XXXX replied that same day : " We can lock in the rate once we have received the e-signed disclosures and the below documents needed for our processing/ underwriting team. On Tuesday once the market opens up, we should still be fine and if anything worst happens in the market, I will have management take care of it ( your in good hands with me ). '' On Tuesday, XX/XX/XXXX, I began uploading the requested documents and was again in correspondence with XXXX via email. He never mentioned a single word about any changes to the loan terms. 

On Wednesday, XX/XX/XXXX, XXXX called me to confirm that we were locking in the loan as all documents had been received and everything signed. He assured me I would be hearing from the appraiser very soon and we would be closing on the new loan in less than 45 days. Again, he never mentioned a single word about any changes to the loan terms. 

On Thursday, XX/XX/XXXX, I received an automated email from New American Funding with an update to review and sign loan disclosures. When I opened these documents I found a new Loan Estimate showing a {$13000.00} increase in the loan amount, a {$4500.00} increase in origination fees and a more than double increase in discount point costs. 

I contacted XXXX immediately to let him know I did not agree to these new terms and that if the loan he was now offering did not match what we previously discussed, we were no longer doing business. His response was somewhat curt and he made no attempts to rectify but simply wished me the best of success. 

I believe his failure to inform me of such changes was completely intentional and deceptive. I had specifically reached out to him about wanting to make sure that everything locked in and stayed the same, to which he assured me it would, so he was very aware of my desire to stick to the original terms. He made it sound like the phone call was simply a formality to lock in the loan. At NO time in writing or verbally did he express a change in rate, a change in closing costs, or a change in origination fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit limit increase on my Kohl 's card issued through Capital One. I was denied the credit limit increase. Capital One 's denial reason was I was at the maximum limit available. Capital One performed a credit inquiry on my XXXX Credit Report on XX/XX/2022. Given that the denial for the credit limit increase was based on internal policy it was not necessary for a credit inquiry to be performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some years ago I lost my documents and my identity was stolen, after that, I have found accounts in my credit that are no mine. This is identity theft, these account must be removed from my credit profile immediately.
Product: Checking or savings account

I get my deposit early on Wednesday and Thursdays my XXXX XXXX I received 25 % of my earnings on Wednesday from XXXX XXXX  and have yet to receive my remainder 75 % of my earning from Capital One they have not provided a resolution and are stating to some clients via social media that payment may not be received till Wednesday next week due to the upcoming holiday. This is unacceptable and Capital One needs to be held accountable fir lack of communication only statement they made was to point the finger at a undisclosed third party vendor.
Product: Credit reporting, credit repair services, or other personal consumer reports

After closely reviewing my credit reports, I have established that Raymour & Flanigan ( R & F ) is reporting inaccurate information regarding the account listed in the attachments. Dates, balances, etc are inconsistent across the 3 major credit report agencies. 

On XX/XX/2022, I sent a letter putting R & F a notice that the are furnishing inaccurate information. They are in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( a ) ( b ) ( i ) ( ii ) which mean they can not report this account any longer. All information has to be validated, verified, and agreed upon by me the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries still showing on my XXXX credit bureau from XXXX both in XX/XX/2016 and are two weeks apart from each other. I wrote to the office and called the customer service department where the person XXXX could not find my information. I requested both of these to be removed from XXXX and Chase Bank and it still shows. This only shows up on XXXX but there was no contact information showing on each inquiry. This was more fraud being done since it was made twice without my authorization in XX/XX/2016 XX/XX/2016
Product: Credit card or prepaid card

Good Afternoon, I have a Capital One Platinum credit card for ten years now. I realize that I am being charge an annual fee/ member fee for XXXX on a card that has a {$0.00} annual fee. You can check Capital One website, XXXX XXXX, XXXX XXXX, XXXX.All sites boast {$0.00} annual fee On Capital One Platinum card, there is NO member fee. I called and spoke with a rep that couldnt explain to me why only said I had been paying it annually every XXXX and suggest I apply for one of Capital Ones other cards. Which was strange of him to suggest. I sent an email to their corporate officers and have not received a reply. When I XXXX issue there are other people experiencing same issue without explanation or prior correspondence explaining fee. I have been keeping a XXXX balance on the card of late and thats why it as in fee stood out to me. I want the new fee waived on my XXXX statement, not too much to ask for after ten years as a customer AND my previous funds paid back to me of XXXX.I went back to beginning of this Platinum account and was actually charged an ANNUAL fee of XXXX and even charged twice XXXX on same bill same year same time twice?????????? I have snap shots of all previous statements and can proof what I have written. I also have Capital One and statement of {$0.00} annual/ member fee. In any case Capital one is a bank one can not be charged a membership its not a credit union or cooperative. This is a total fleecing of customers its shameful and someone other than company should look into it and have EVERY person who has and is experiencing such fees on a self proclaimed {$0.00} annual fee card contact FDIC, AG, Social Media outlets etc. Thank you for your time and attention to this matter. 
Sincerely XXXX XXXX
Product: Debt collection

Throughout the time frame of XX/XX/XXXX to the present day XX/XX/XXXX, PENN CREDIT CORPORATION has repeatedly FAILED to validate the alleged debt ( s ) of {$600.00} and {$200.00}. Let it be known that I HAVE NEVER RECEIVED ANY SERVICES FROM PENN CREDIT CORPORATION ON ANY DAY AT ANY TIME FOR ANY REASON and I XXXX the living man have disputed the debt ( s ) and allowed PENN CREDIT CORP appropriate time to show evidence of this debt to be valid, but PENN CREDIT CORPORATION has FAILED to provide the requested Competent evidence of debt validation despite my repeated requests. I spatcher ; XXXX sent three ( 3 ) letters requesting validation of the alleged debt to PENN CREDIT CORPORATION evidenced by Certified Mail Numbers XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. My investigation was pursuant to the Generally Accepted Accounting Principles G.A.A.P., International Financial Reporting Standards IFRS, Basel III, the United Nations Commission on International Trade Law U.N.C.I.T.R.A.L. CONVENTION, the Fair Credit Reporting Act " FCRA '' and the Fair Debt Collections Practices Act " FCDPA ''. In my letters requesting competent evidence of debt validation pursuant to the Laws above, I stated " As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does NOT constitute verification ''. Instead of sending the requested evidence, PENN CREDIT CORPORATION sent me a copy of " BILLING STATEMENTS ''. Despite the fact that PENN CREDIT CORPORATION has failed to validate the alleged debt after over 150 days, THEY REFUSE TO REMOVE THEIR TRADELINE FROM MY CREDIT REPORT. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and chase still turns me down what do they need a perfect score cra violation for reason and hippa XXXX has XXXX up my report totally this need to be corrected right away
Product: Credit reporting or other personal consumer reports

I disputed some errors on my report with XXXX. 

They included an account which I did not dispute causing the account to be shut down. 

Capital One Union Plus account ending in XXXX was not in dispute! 

This needs to be corrected immediately or I will be seeking statutory damages
Product: Credit card

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Statewide Credit Services XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX # XXXX XX/XX/2013 Date Opened Has my account in collections as reported to XXXX. This account is not mine. It does not belong to me. All the credit bureaus : XXXX  and XXXX has removed this account from my credit report. The address used by XXXX does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. 
Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. 

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX ; XXXX and XXXX
Product: Credit card or prepaid card

I have a XXXX, someone got a hold of my information and took all my money. This is a card that my child support is put on. In the month of XX/XX/XXXX they took XXXX. I noticed it and called right away. I have the hardest time getting a hold of someone. They closed my complaint without calling me, because they said they never received my letter back that they sent me. I sent them the letter they sent me back and another one, a police report and then faxed two letters. They than sent me a letter that they denied my complaint. I was finally able to go online and create an account, once I did this I was able to see that they stole money in the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have my other bank account statements that show I used my other card in a different state on the same dates that this card was being used on. I have doctors apt and other things that I was doing in the state of California on the dates that this card was being used in the state on Nevada. I have called " XXXX XXXX XXXX '' a lot! He has NOT called me back or sent me any documents in regards to my complaint being denied. A total of XXXX has been stolen from me. I am a single Mother and this is my child support. XXXX, like I have said does NOT call me back or help me in anyway. I have been left on hold for over two hours at a time. My Father is a XXXX and I have asked him to step in and help me get my money back. I am looking to y'all to give me some kind of direction. Where do I send the certified letter? Who does my attorney need to be in contact with? There has to be some kind of insurance or something related to this card. I can simply it was not me using the card in the state of Nevada, and now I need my money back. Please Help ME!! On the, " California Debit Card '' Transaction History statement they sent me, there is a number on the bottom of the page for customer service, XXXX. When you call this number you get a man that tells you that you have won a, XXXX dollar gift card to XXXX. I have called this number a million times and each time I win the XXXX dollars. How can they have that much money to give away XXXX dollars each time? I asked to speak to a manager and they hang up. This is a fraud! All of the transactions that were made on my card where at a, XXXX in Nevada. I feel this card is a FRAUD and there is someone that works for it that has my information that stole it. I have filed a police report as well. I look forward to hearing from someone and someone that can Help Me!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX and TransUnion credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a security freeze with equifax since XX/XX/XXXX.Periodically i  will call equifax to temporarily lift the freeze for a short duration. On XX/XX/XXXX approximately XXXX, I was informed by equifax that they will not be able to lift the freeze as a result of not properly answering privacy questions related to my credit report. I was told by several telephone operators, who sounded like they were from the XXXX, that i did not give the correct information. After 15 years, suddenly i can't answer any of the questions correctly? I requested to speak to the supervisor 3 times. Each time i answered the questions correctly, they would ask me an abstract question, attempting to set me up for failure. nonetheless, i have documented proof that i did answer the question correctly. I feel this agency is harassing me. I never have a problem with TransUnion or experian. The following is the list of questions and my response. 
1.what is your full name answer : XXXX XXXX XXXX 2. what is your pin number answer : ... ... XXXX 3. which of the following do you have a loan with answer : car loan XXXX XXXX XXXX XXXX car paid in full as of XX/XX/XXXX 4.have you ever filed bankruptcy and if yes, what date. 
answer : yes, XX/XX/XXXX 5. when did you first file request for credit freeze? 
answer : XX/XX/XXXX I have the letter in my hand with my pin number. 
Response from equifax : I'm sorry, but you did not answer the questions correctly, therefore your request for a security lift is denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry was made on my credit on XX/XX/2021. The report number is XXXX. I was browsing homes to purchase on XXXX. I submitted an inquiry to see a property I was interested in. I immediately received a call from an agent at XXXX XXXX. He wanted to get some preliminary information to see if I would qualify. I told him that I was still browsing, and that I was not quite ready to proceed with that process. I had just got a job that I have yet to start, and I also had some other things I was trying to get in order. I further told him that I was looking to purchase within the next three months or so. He convinced me to give him some of the preliminary information. Experian immediately decreased my credit 14 points. My score went from XXXX to XXXX instantly for me trying to look for a better home for me and my XXXX children. I am a single dad, and it had been challenging to try to provide for my children. We have been throwing money away for so many years renting, and I want nothing more than to give them a piece of this " so called '' American dream, by purchasing something we can call our own. Experian is the only credit agency I have been consistently having problems with, as hard as I work to get and keep my score up. My credit score is XXXX with XXXX  and XXXX with XXXX, and they both blocked the inquiry without charging like Experian does. Experian is overly obtrusive, and disregards consumer 's privacy. They make it extremely difficult for people, particularly certain socioeconomic groups to get ahead. Please do something to regulate the practices of Experian, and help me to restore my credit score. Thank you.