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

On XX/XX/XXXX, I went to a local electronic store to buy XXXX XXXX as a mother 's day gift. I purchased the XXXX  on my XXXX and as the sales person was closing the sale I was asked if I would be interested in an extended warranty. I did not see the harm so I gave him my information to find out the cost. Eventually I declined the offer and left the store. The next day or so I received an alert from Transunion regarding a new Hard inquiry on my credit report. I immediately contacted Transunion and they informed that the inquiry was from XXXX XXXX and that I should contact them to have the inquiry removed. I called XXXX and they told me that this was fraud and that the inquiry would be recended. 
A month later the hard inquiry is still on my credit report so I called XXXX once again today to see if I could get an update on when the inquiry would be removed. They informed me that my case was listed internally in their system as fraud and going forward all credit applications with my information would be declined but to have hard inquiry removeal would have to done directly with Transunion. I once again called Transunion and they informed that I needed to make the request for the removal with XXXX. Basically XXXX tells me talk to Transunion and Transunion tells me to talk to XXXX. I told Transunion representative that both companies were bouncing me off one another and nothing was progressing. She then told to file a fraud claim with the FTC so that they could inform Transunion regarding the fraud on my report ... and now the FTC has sent me to Consumer Finance. So here 's hoping XXXX can help me remove this hard inquiry from my credit report when all I wanted was a mother 's day gift.
Product: Checking or savings account

Hi, on XX/XX/23 my card was fraudulently used. I called square to notify them on my funds being taken and started a dispute. I was asked several questions one being, was my card in my possession at the time of the the transaction. I stated yes, I was in California at the time. XXXX transactions were taken out of my account from a XXXX XXXX XXXX in New York. A short time later i was told my request for the funds would not be returned because the card was in my possession. 
I asked could I have information about the transaction and I was told they did not have any of the details besides the name. I asked if they could please do an investigation and I was told no, they go by XXXX XXXX rules and no investigation can be done. I even tried to ask who would spend that much money at a XXXX store in New York and they still gave me the same response. I know if a proper investigation I was done they would see that was not the person who used my card. I also find it strange that a short while after I was give a loan from square for close to the same amount that was stolen. There are all types of scams these days like copying cards ect. 
Please help me with this matter thank
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I spoke to Early Warning Services , LLC representative who requested my consumer report be sent to me via certified mail. 

XX/XX/XXXX - I, XXXX XXXX requested a consumer report and to opt out of Early Warning data collection and sharing servicesXXXX XXXX XXXX XXXX  & Early Warning Services , LLC refused to remove me and delete all data collected on me. 

XX/XX/XXXX The Company Denied my request to opt out and failed to share the consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # 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 at also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

On XXXX XXXX I received a response from pro collect that they would settle for XXXX instead of XXXX. Which I was thankful for that. But I called and reached out to XXXX XXXX as it stated to in the response, reaching her was difficult I called on multiple days and none of the representative would transfer me to her.. so I submitted a complaint on here again and left a number and XXXX XXXX called and we talked bout resolving the balance. I told her that I couldnt pay the balance of XXXX in full because I was out of work due to covid 19 and she gave me until XXXX to email her on what I could do regarding balance. I emailed her letting her know I still wouldnt be able to pay balance in full. I never received a reply back to the email nor a call. I have been calling still trying to resolve the matter and nothing. On XX/XX/XXXX I received a letter in the mail stating that I could call and make a pay arrangement. So I called today on XXXX XXXX and was told I couldnt make a payment arrangement and that they will continue to affect my credit report negatively. That a payment is required by XXXX or negative remarks will be added to my credit report.. I have tried over the years to settle this debt and with no resolution. Just rude representative and no compassion or understanding.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My account got suspended on the XXXX of XXXX. I reached out the previous day and was told to send very sensitive and personal documents to them so they can prove it is my account and unlock it. Now it is the XXXX and i have called several times to be told different information. 
They told me i am missing my email address and the phone call cuts ( no attempt to contact me back even through email ) then i called again and the support person says i don't need to include my em, ail i am good then a couple of hours still on the XXXX i called and i was told i need to send the email and when i tried getting hold of a manager the call was still cut short. 
I am tired of calling, please can someone help me just get my money out of the bank let me go somewhere else.
Product: Checking or savings account

I am unable to reach USAA either by phone, chat, or email to designate a beneficiary for a savings account. Constantly redirected and then disconnected. Not even able to send email message or chat.
Product: Debt collection

I received a communication from XXXX XXXX XXXX XXXX with reference : XXXX. I submitted a letter on XX/XX/2023 questioning the validity of this debt. I sent this letter via certified USPS mail tracker number : XXXX on XX/XX/2023. I have received no correspondence in return from the debt collector as of this date.
Product: Debt collection

I settle with this company, accordance with fair credit reporting act XXXX  credit acceptance corp XXXX violated my rights. 15 u.s.c 1681 section 602 states i have the rights to privacy. 15 u.s.c 1681 section 604 A. Section 2 It also states a consumer reporting agency can not furnish account without my written instruction. I would like it to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Thank you for your prompt attention to this matter. Please find my proof of identity and XXXX documentation enclosed. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX Documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed Bankruptcy came back verified from Experian. 

US Bankruptcy courts state they do not provide anyone ( including credit bureaus ) any information.

Congress states an investigation consists of interviews with associates, neighbors and friends.

Experian did not do a proper investigation therefore how could this bankruptcy thats on my file be 100 % accurate and verified as the FCRA states it must be?

My consumers rights to fairness, accuracy and privacy are being violated.

Unrebutted Affidavit also attached and serves as Truth.
Product: Checking or savings account

I opened a Chase XXXXXXXX XXXX  account on XX/XX/2024. When I opened the account, I did XXXX myself the amount left from a different checking account from a different institution, XXXX XXXX. My sister transferred my savings, which was about {$7800.00}, to this checking account to transfer to a savings account in the future. I used this money to pay my tuition. I did deposit and tried to XXXX a friend. My account was locked due to suspicious activity, which I called the number. The representative informed me that my account would be closed and I am unable to open an account in the future. I asked for the reason and asked to speak to another person. I was denied to speak to anyone and was told to try to talk to another representative. I was told the same information.
Product: Payday loan, title loan, or personal loan

I had a personal loan with Loan Me that was sold to XXXX XXXX XXXX as it had gone to collections. I settled the amount and made a one time payment to have the account closed. Loan Me and XXXX keep sending me back and forth both saying theyre not responsible for the actual credit report reporting and both companies decline to report it to the credit bureaus therefore my credit report is incorrect. Please see attached settlement letter confirming the payment was made and account closed. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent and unauthorized inquiries that have appeared on my credit report. The inquiries in question are listed below : XXXX  XXXX XXXX Mortgage Companies - Finance XX/XX/2024 Experian XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/2024 Experian XXXX Personal Loan Companies XX/XX/2024 Experian These inquiries were made without my permission and are a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, which mandate that any access to my credit report must be authorized by me, the consumer. I have not authorized the above companies to access my credit information, nor was there any legitimate purpose for these inquiries. 

As these inquiries are fraudulent and unauthorized, I am requesting that they be immediately deleted from my credit report.
Product: Mortgage

XXXX MyLoancare is not giving me my Pay off statement for refinancing. 

I have been asking them for month and half.I have made many phone calls to them. 

From : my email address here Sent : Tuesday, XX/XX/2021 XXXX XXXX  To : Payoffs MyLoanCare Subject : Payoff Request ( Ticket # XXXX )
Product: Debt collection

My complaint is against  Professional Collection  Services. They are trying to collect  XXXX  debts in the amounts of {$330.00} and {$1000.00}. I have searched my personal files and have found nothing that would indicate I owe this debt. I have requested they send me proof of the debt but to date they have ignored my request and keep sending letters stating I do owe the debt. i have received no proof that I have requested. How can a third part try to collect on debts when they have no idea if it 's a real debt or not? They can insist a person owes the debt but can offer up no solid proof of the debt. This is not acceptable. They ca n't just expect a person to pay a lot of money without proof of the debt..
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit with XXXX, XXXX and XXXX XXXX I noticed the following : XX/XX/2021 my credit report shows Conn 's reported my account 30 days late. The account was paid off on XX/XX/2021, before the due date. The due date for payments were on the XXXX of every month. 
I have disputed this with the credit agencies and Conns mailed a letter to my residence stating clearly stating no errors have been located on their end ( letter attached ). 
I made a second attempt to Conn 's providing documentation of the account being paid off and according to the FCRA & FDCPA I exercised my lawful right to question validity of this debt and requested any negative inaccurate item ( s ) be removed within 30 days. 
Conn 's mailed a letter stating conflicting information from the first notice I received. 
The account was not 30days late.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and dissatisfaction with the ongoing challenges I have faced in attempting to rectify fraudulent items on my credit report. Despite multiple attempts to dispute and remove these inaccuracies, my efforts have not yielded the desired results, and the fraudulent items continue to adversely affect my credit standing. 

I have diligently followed the dispute process by submitting multiple letters and supporting documentation, including police reports, affidavits, and any other relevant materials, to substantiate my claims of fraud. However, despite these efforts, the fraudulent items persist on my credit report. 

I demand that you conduct a thorough and immediate investigation into these matters and take prompt action to remove the fraudulent entries from my credit report. This situation has caused significant distress and has a severe impact on my financial well-being. 

Additionally, I am requesting regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed with the utmost urgency to prevent further harm to my financial standing. 

If my concerns are not addressed promptly and satisfactorily within 30 days of receiving this letter, I am prepared to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : 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
Product: Mortgage

My XXXX mortgage with XXXX XXXX XXXX increased {$200.00} last year and now {$500.00} this year. My husband is ill and has been for XXXX years. We have been struggling since this time because he has been unable to work. He does now get social security, however, the medical bills and the mortgage increase has made it impossible for us to keep up. I have been trying to get a loan modification with XXXX and CitiMortgage and the time it takes is ridiculous and having to keep sending the same documents is not right. We are XXXX payments behind with Citi but XXXX payments behind with XXXX now. Please help us keep our home. I work for a mortgage servicing company and we help people all the time no matter what.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXXXXXX XXXX XXXXXXXX XXXX XXXX PLEASE DELETE ASAP
Product: Credit card or prepaid card

Hello, My mother had a XXXX and I am now her power of attorney. I have managed to contact all her banks & credit card companies in order to manage her finances. I have been constantly dealing with her Capital Once accounts since XXXX with no resolve. They have had no issue with me making payments from my personal account and I have sent in my power of attorney ( I kid you not ) over 30 times. Now they have locked my mothers account and I am unable to get a resolution. There customer service hold time is beyond ridiculous and there is no chat option. They have her online account locked and there is no way allegedly to resolve this without speaking to a person. Again speaking to them does nothing and my mother was incurring fees due to this. I have since moved her balances to a different company. I need someone to contact me from Capital one that has the ability to resolve this. I am at the point that I may just close these accounts due to the frustration and hours of I spent dealing with this. I am sure they are breaking some sort of law, my mother is in speech therapy and can not not speak well or deal with this sort of issue and I have legal power of attorney which Capital one has on file.
Product: Debt or credit management

I noticed 3 fees on XX/XX/16 that were not on my fee schedule. When I called they put me on hold then the fees appeared. I made a payment for XXXX then the next fee changed to XXXX. I called and asked for a supervisor none has called me. The person I spoke to said the fee would be refunded back down to the XXXX. I spoke to someone they said the system can automatically adjust fees. I never signed anything saying my fees can be adjusted without my permission. So I asked for them to show me and they admitted it wouldnt be in my contract or terms. So I said they cant do it to my account and asked to speak with a manager I was told one would call in 24-48 hours and still havent heard anything. My new phone number is XXXX
Product: Credit card

I am writing to file a complaint regarding the mishandling of rewards on my XXXX XXXX Credit Card, issued by Comenity Capital Bank. This issue involves the non-issuance of rewards that I am rightfully entitled to, as outlined in the rewards program 's Terms and Conditions. 
I have consistently met my obligations as a cardholder, always paying my balances in full and never being delinquent on my account. According to my statement that closed on XX/XX/2024, I earned {$160.00} in rewards coupons ( 5 % rewards on purchases at XXXX XXXX ). On XX/XX/2024 I used {$25.00} of these rewards, but the remaining {$140.00} were unexpectedly nullified without explanation as I tried to used these the same day. I contacted Comenity Bank customer service and upon review the representative supposedly escalated to a supervisor. I was informed that a supervisor will follow up. None of that happened no follow up no escalation. I went back 2 days later to the store on XX/XX/XXXX and the same result not able to use my {$140.00} remainder rewards. 
Despite my history of responsible use, the immediate response from Comenity Capital Bank and their customer service representatives to my multiple phone inquiries was to deny any responsibility for the rewards discrepancy. Moreover, they failed to make a reasonable effort to investigate my rewards dispute, as required by the attached Terms and Conditions. The customer service agents repeatedly stated that, once the rewards are issued, they have no control over the matter. Moreover, the representative said she saw no prior notes of my previous calls regarding the issue. This stance directly contradicts their obligations under the cardholder agreement. 
I also sought assistance from a XXXX store manager, making multiple trips to the store where I shop, but I was informed that they have no authority over the rewards program, leaving me with no further recourse. I believe that both Comenity Capital Bank and XXXX XXXX have failed to uphold their contractual obligations, resulting in a loss of rewards that I rightfully earned. To make matters worse, they have provided inconsistent information and given me the runaround in my efforts to resolve this issue.
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE THIRD TIME I HAVE TRIED THE EXPLAIN THEY DO NOTHAVE ANY SIGNATURES FOR THIS PEOPLE INQURIES PLESE REMOVE THEM.
Product: Credit card or prepaid card

After performing a minor audit I realized that on XX/XX/XXXX I was charged {$9700.00} by XXXX XXXX XXXX On XX/XX/XXXX I reached out to Barclays credit card to file a fraudulent claim with them for this fraud. After two weeks I received a letter from Barclay credit card stating that this was not a fraud. I then proceeded to call them again to refile my claim and was told that it was denied because Barclay credit card fraud department was unable to reach the merchant ( XXXX XXXX  ) and because my account is in good standing this must not be a fraud, and that I should call them directly and ask them for a refund. As I explained to them when I originally filed my claim I have reached out to the merchant numerous times and I'm unable to reach anyone. I don't understand if the bank can't reach the merchant. How do they expect me to? When I explained this they told me there is nothing they can do for me to call the merchant. I am a senior citizen and don't always stay on top of my finances so I didn't catch this earlier. I am now staying more aware of my accounts but as a customer for this credit card I find it hard to believe they are protecting the Merchant and not their customers.