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

Let the record show that i have contacted Experian since XXXX XXXX to remove a fraud alert dated on XX/XX/2019. They have tried to remove the fraud alert and just this week they told me they have removed almost 98 fraud alerts from the same day. They are trying but i keep getting the same results the fraud alert will not come off there is no phone number on the fraud alert so i cant obtain credit in my name. I call everyday for at least a hour can you please assist experian to perminately remove my alert aka consumer statement. 

XXXX XXXX XXXX
Product: Prepaid card

I have problems with my charges being denied. This first happened in the spring with me trying to make a purchase from XXXX online. 
This has happened again with me trying to buy renters insurance from XXXX. 

They keep not accepting my current phone number, which is XXXX Even though that was my phone number even on my previous card with them, ending in XXXX. 

I had had this phone number for over 5 years. 

I do not know of any other reason that they are denying the charges. I have tried to reach customer service and keep getting told " high volume '' " please call back ''.
Product: Mortgage

In the previous 2 complaints to SPS, I am trying to understand who owns my note to my house, and if it is still federally backed, as it was before it changed hands. 

This seems to be a mysterious question, and I cant get an answer. My loan was previously with XXXX, federally backed, as shown in my previous attachment. 

It is being serviced by SPS, but I just discovered the note belongs on a company XXXX XXXX XXXX XXXX. Attn : XXXX XXXX XXXX - XXXX XXXX XXXX. 

Is this loan still federally backed? If not, why?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Close to 60 DAYS, for the investigation. 

Law requires 30 days. 

Equifax did NOT ask for an extension.
Product: Student loan

I consolidated two large private student loans through XXXX   which select the loan provider as Navient. Their whole website is catered toward educational loans, so I was under the impression that a private student loan consolidation meant taking another private student loan out with Navient that would pay off the previous two loans and create one private student loan with a lower or averaged interest rate. However, now Navient is telling me this is only partially true. I called to inquire about this and they are saying my new loan is not a private student loan anymore but a consolidation loan which is a non-educational loan. They do not send me a 1098-E and say it is not tax deductible like all other private student loans. I feel that Navient never disclosed this information and is trying to prevent borrowers from receiving the benefit of a tax write off or any national laws regarding private student loans by recategorizing the loan as a non-educational loan, even though the ultimate reason for the loan was educational and all verbiage around the consolidation implied it was an educational loan.
Product: Credit card or prepaid card

Chase bank closed all of my accounts and wont give me a reason why. my partner and i both were targeted by this closure. they said they chose to end their banking relationship with us. we are a XXXX couple and don't understand why case would do this because they won't give us any information. we already tried to go to the Office of Comptroller of the Currency, and they suggested we go to you. I would prefer this be handled by my attorney XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed for XXXX XXXX XXXX. My XXXX XXXX were included in the bankruptcy filing however XXXX is still reporting them to Equifax as open. They were held by XXXX at the time of the bankruptcy.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea how the misinformation come to take place. I pulled my credit report in XXXX, 2020 and there were inquires and open accounts on my credit report that are not mine and ARE UNAUTHORIZED.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX
Product: Credit card or prepaid card

On XX/XX/2019, I was a victim of credit card fraud. My cards were used while I was at an adult establishment and charged for outrageous amounts with outrageous gratuity amounts added on to the purchases without my authorization. A police report was filed against the merchant and an affidavit stating I did not authorize those purchase and the handwriting on the receipts are forged were submitted to American Express as evidence. The total in charges on two of my american express cards was over {$70000.00}. On multiple occasions the American Express fraud team told me in writing that the fraud case for these charges was closed in my favor and I would not be responsible for any of the charges. However, out of the over {$70000.00} in fraudulent charges American express only credited my account {$13000.00} and now states that I will be responsible for the remaining balance. American Express states that because I was present at the time the cards were being used it can not be considered fraud which is contradictory to Florida Statute 817.61, which states " A person who, with intent to defraud the issuer or a person or organization providing money, goods, services, or anything else of value or any other person, uses, for the purpose of obtaining money, goods, services, or anything else of value, a credit card obtained or retained in violation of this part or a credit card which he or she knows is forged, or who obtains money, goods, services, or anything else of value by representing, without the consent of the cardholder, that he or she is the holder of a specified card or by representing that he or she is the holder of a card and such card has not in fact been issued violates this section. '' Nowhere in the statute does it say that the cardholder must not be present for fraud to occur. The fact that the charges were made without my knowledge and the receipts were forged is more than sufficient for these charges to be considered as fraud. In addition to the fact that these receipts were forged, all of the charges occurred after the legal operating hours for an adult establishment in XXXX XXXX County and documentation of such was also provided to American Express.
Product: Debt collection

I am lodging a formal complaint against enhanced recovery. This debt collector has reported derogatory information on my three credit reports for debt that does not belong to me, and I never received anything in the mail from this company allowing me to dispute validity of these accounts. Which is a violation of the fdcpa/fcra. I must be notified before reporting derogatory Information on my credit reports, which gives me 30 days to dispute validity. I've had the same address all my life and same phone number. I have never had any contact with enhanced recovery. The debts are 2 accounts. One for {$1400.00} to XXXX which I know is incorrect because I've only done business with XXXX since 2006. And another debt for {$180.00} which I don't know what this debt is for. This has been the worst timing ever. I am in the process of purchasing my very first home for my family and I. And I'm being told these errounous accounts are holding my family and I back. I am requesting these accounts be deleted immediately from my credit reports so I can move forward with purchasing my home for my family. I am a single mother of XXXX kids and this is breaking my heart. XXXX, and attorney general complaints will be filed if these accounts aren't deleted immediately. Thank you for your time!
Product: Debt collection

A XXXX XXXX XXXX provided gutter cleaning to a home I previously owned but they billed me. We were able to resolve via email that I did not owe the debt, however, the debt was still sent to a collection agency ( NCSPlus ) and they subsequently added it to my credit decreasing my score by XXXX points. 

A XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX NCSPlus XXXX East XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX EMAIL XXXX TELEPHONE ( XXXX ) XXXX ExtXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

Capital One Opened XX/XX/XXXX closed XX/XX/XXXX Capital One opened XX/XX/XXXX closed on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in XXXX  violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or XXXX, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 


Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case! 

Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit reports that has incorrect information. I've disputed it with the company and with both credit reports it is reporting on. 
The account has been on my credit report for years. It's even past the statute of limitations. I didn't care since I already took care of it years ago. The company sold it to a 3rd party collection company and correctly changed the balance and past due amounts to {$0.00} and noted that they had sold it to a 3rd party collection company. 

Now all of a sudden, at the beginning of this year, the company just out of the blue changed the information on my credit reports. They now claim that it's a charged off account and that I owe them thousands of dollars. In fact, on XXXX they claim it is open and on Equifax they claim it is sold. Just another couple of errors they refuse to correct. 

This complaint is against XXXX and Equifax as well. I have disputed directly with XXXX and they have not bothered to ever respond to my direct disputes nor to credit reporting disputes and neither XXXX nor Equifax abide by the FCRA and correct the errors. 

The FCRA says they must correct the errors or delete the information. They have done neither. They are in clear violation of federal law and they are damaging me immensely. I qualified to purchase a house and then these knuckleheads changed the information on my reports and killed my loan qualification.
Product: Consumer Loan

I asked by a friend to cosign with her on a car. When the paperwork was brought to me at work I was the buyer and her name was n't even on the contract. I questioned why I was the buyer and not the co-buyer and was n't even informed that she was n't on the contract with me. I signed after hearing the reason why from the salesman but after thinking about the situation asked the dealership to change the paperwork and make it right. My complaint right now is with Chrysler Financial Corporation because I informed them what had taken place and that I was worried about how this would effect my credit. Chrysler Financial Corporation did escalate this to the office of the president and talked to the dealership but because I signed the contract there 's nothing they can do and its up to the dealership. The dealership made material misrepresentations on applications ( me as a buyer instead of co-buyer ) without informing me by phone or written agreement. Never was informed under the XXXX Practices Rule that states " creditors to advise consumers who cosign obligations about their potential liability if other person fails to pay ''. I let Chrysler Financial Corporation know that the car was taken back to the dealership because they misrepresented the paperwork to me that I signed. Never talked to a finance person and as of this day of XXXX/XXXX/15 never been on the dealerships property. So this complaint is about how Chrysler Financial Corporation views my obligation to this contract under misrepresentation by the dealership they finance cars through. Yes I did sign the contract but the only person I every spoke to before signing the paperwork was the sales person.
Product: Bank account or service

HELLO I WENT TO CASH A CHECK AT BANK OF AMERICA THAT I HAD FROM A PAYDAY LOAN COMPANY AND BANK OF AMERICA CHARGED ME {$XXXX.00} XXXX DOLLARS TO CASH THE CHECK. THE ACCOUNT WAS DRAWN ON THE BANK THE BANNK IS NOT AN INDEPENDENT THIRD PARTY THEREFORE IT SHOULD NOT HAVE CHARGED $ XXXXTO CASH THE CHECK. I DID NOT HAVE AN ACCOUNT THERE.
Product: Debt collection

I was charged XXXX for a fine I should nt owe because of the other collection agency did n't Honor there paper work. So iv been paying at least {$1000.00} over the amount I was so posed to pay.Then I was charged for atleast XXXX extra charges because of the failed paperwork that was due by them. I feel exhaust XXXX and Frustrated and I 'm tired of paying XXXX county, wa over and over for the same thing 's when I payed, XXXX.
Product: Checking or savings account

the problem company robinhood brokerage will not close my account for the last 3 months.they asked me to veriy me i have done that same email more to verify i just want the account closed and mail me my funds of balance im no sendimg anymore infomation to them close my account
Product: Credit card or prepaid card

Before I opened the Savor credit card with Capital One, my husband ( who was also a Savor card holder ) and I specifically asked about whether cruise ship charges would be considered entertainment for Savor card reward purposes, therefore earning 4 % cash reward instead of 1 %. Both agents explicitly and definitely stated that cruise ship charges, including all expenses incurred on cruise ships are categorized as entertainment and would be receiving 4 % rewards. 

As a result of Capital One agents ' response, we put all cruise ship expenses on the Savor card, expecting 4 % reward ( instead of putting these charges on another credit card that give us 3 % rewards for travel ). The transactions included : XX/XX/19 XXXX {$2600.00} XX/XX/19 XXXX XXXX XXXX XXXX {$910.00} XX/XX/19 XXXX XXXX XXXX {$68.00} XX/XX/19 XXXX XXXX   {$3900.00} However, contrary to what Capital One agents told us, we were only credited 1 % cash rewards for these transactions as Capital One claims that these merchants categorize these transactions as travel. Capital One mis-informed us of its reward program categorization and as a result, we did not receive {$220.00} of cash reward that we were informed we would earn with these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove all this account of all 3 credit reporting agencies 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

22. Identity Theft XXXX Account Number : XXXX This is not mine. 

23. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent, attorney in fact so be it. 

After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. 

Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. 
Fact, The Fair Debt Collection Practices Act and The privacy Act of 1978 my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.