23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I sent a identity theft affidavit to XXXX regarding my identity theft. They came back and told me to resubmit my police report. On XX/XX/XXXX they received by certified mail my FTC report, police report from XXXX Police Report, report number, ID, verification of address as well as my pay stub, and social security card, and they have still proceeded even though by law they have to block the information within 4 business days to report inaccurate information on my credit report. I want this to be resolved, and I want all inaccurate information to be blocked and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations
Product: Checking or savings account

I was incarcerated from XX/XX/XXXX to XX/XX/XXXX of XXXX, during that time I was a victim of identity theft, I had a retirement IRA account with Wells Fargo and they allowed the thief to withdraw my money in four different withdrawal amounts. Its two accounts total. The first one is XXXX and this one they took a total of {$27000.00} and on account XXXX on this account, they took the {$7100.00} I am more concerned because this was done more than 60 days ago and I am sure now the IRS is involved and I do not know how to handle it. 
I have learned through investigation. The name of the thief is XXXX XXXX this person change my address to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, from my understanding banks, should not allow XXXX XXXX XXXX, Wells Fargo mailed him the paperwork. He signed it and send it back. They didnt check proof of signature or anything, and sent him the money. signature shouldve been matched, I did open the claim with him and then a week later to find out that I had no Claim open.. this is why I need your help, this is a very urgent matter is the IRS are now involved.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I recieved a letter in XXXX from Penny Mac mortgage co. informing me that my payment was going to increase due to escrow funding. I assumed that the payment increase was gon na be in XXXX. But it was for XXXX i sent my normal mortgage payment of XXXX and they recieved and cashed it on the XXXX of XXXXwell they took my payment and put it in a suspense file because it was XXXX short of the full payment.they say they tried to contact me but could never reach me and on XX/XX/XXXX they placed a 30day late on my credit bueau report.now they have my mailing address but never sent me anything they say they called me but if a number comes up on my phone as spam i dont answer they have my email address but never emailed me to notify me of the situation instead they were real quick to put it on my credit bureau report.I have brought the payment current but they say that they cant take it off my credit report now.I was trying to refinance my house but this mark on my credit has stopped that process thanks to this very rude and aggressive company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. I used this site and was prompted with the message, " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Product: Credit reporting or other personal consumer reports

SOMEONE OPENED A NTB CitiBank Card in name making payments which impacted my credit, etc. I was terminated from multiple jobs, lost my car and evicted. I have not been able to hold employment due to this situation, stress level, etc. I filed an identity theft report and I only found out about this in XXXXXXXX XXXX XXXX I WANT THIS ACCOUNT REMOVED FROM ALL OF MY CREDIT REPORTS INCLUDING THE NEGATIVE INFORMATION ASAP OR {$34000.00} WILL BE PAID IN ADDITION TO THE REMOVAL FROM ALL INFORMATION FROM CREDIT REPORTS ABOUT THIS ACCOUNT! Additionally, I have been sleeping in shelters, motels with vouchers, the streets, or abandoned places and public bathrooms. Every program has informed that I need help beyond their qualifications and housing is waitlisted. I CAN NOT GET HOUSING ASSISTANCE, A JOB NOR A CAR WITH THIS ON MY CREDIT REPORTS AND I HAVE BEEN ABANDONED BY MULTIPLE PEOPLE IN MY LIFE LEAVING ME TO DO EVERYTHING ALONE!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!
Product: Debt collection

I disputed a Midland Credit Managment account with XXXX, XXXX and XXXX on XX/XX/2024 and on XX/XX/2024. Midland Credit Managment is falsly reporting amounts to the three Credit Bureau Agencies above. I sent to Midland Credit Managment a Debt Validation Letter via U.S. Postal Service Certified Mail on XX/XX/2024 and I have not received a response to validate this debt.
Product: Debt collection

on XX/XX/2016 I reach a settlement with Credence Resource Management LLC . On the same day I sent a certified check for the agreed amount of {$900.00}. On XX/XX/2016 the certified letter containing the check was sign for by their employee. On XX/XX/XXXX, they claimed they employee did not work their and to send and additional {$900.00} dollars. I refused stop payment on check at my bank. Since then I have received numerous phones calls. I feel they should honor their settlement offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Take note that I did not sign up for an account with these original creditors.. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first ... I requested bureaus to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit card

This is about my Chase Prime card ending in XXXX. 

I can not login to my online banking. It says a message " Important : We weren't able to sign you in. '' I am unable to view my statements or pay my bill or dispute charges. I have called many times and the company has not helped me at all. The reset my password to my online login access one time and other than that this problem still exists. On top of the first issue, my card has had over 30 fraud alerts in 30 days. The company is forced to ask me public records questions more than once every 24 hours. This is far from normal and I have asked multiple supervisors to open an official complaint and they have refused to do so. They entry level workers have even refused to transfer me to a supervisor when calling as well. They keep telling me my account is under review and then I call back and they ask my more public records questions. This is a clear case of consumer abuse and Chase has many criminal practices which are highly illegal against consumers ( me being one of them ).
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. It's been over 35 days and you are still reporting these items without permission and that is fraud.
Product: Credit card or prepaid card

In late XX/XX/2020, in the XXXX XXXX XXXX  store in XXXX CA on XXXX XXXX, I purchased a {$3400.00} chest after receiving an offer to get 20 % in reward certificates if I used a XXXX XXXX XXXX credit cards from Synchrony bank. 

I made the purchase and was told that I would get the rewards in the next billing cycle which never happened. 

I contacted XXXX XXXX XXXX on 3 occasions and Synchrony Bank on 3 occasions. Both organizations claimed that it was the others responsibility to fix. 

I have never received the credits I was promised. 

Any help would be appreciated. I think both companies have acted in bad faith and with poor customer service, bordering on fraudulent practices.
Product: Credit card or prepaid card

I changed my legal name due to the need for concordance between my name and my gender as a XXXXXXXX woman. I updated all of my identity documents and informed Discover Card of the change onXX/XX/XXXX by phone at which time Discover Card required no verification. A few weeks thereafter I received a request by XXXX on behalf of Discover for me to sign a pre-filled 4506-C form " for the purposes of identity verification '' and was threatened with account closure if I refused. I signed the form and then noted that Discover Card had incorrectly pre-filled the form. I called their Customer Service and was redirected to their security department, explained the situation, and received another pre-filled form which was also incorrect, which I signed. This occurred several times. I eventually received an email that their review had been concluded successfully. 

Over two months later onXX/XX/XXXX I received another request from XXXX on behalf of Discover for a 4506-C. I contacted Discover and was told that the message I received about the conclusion of the account review was not accurate, and was again threatened with account closure if I did not comply. I signed the ( again incorrectly pre-filled ) form. 

During this entire debacle I did my best to comply with Discover Card 's instructions and demands and offered them alternate means of identity verification such as my Driver 's License, Social Security information, the court order for my name change, and other documents, which they refused, stating that only my IRS information was acceptable while Discover 's security department made it impossible for them to actually access the information they requested. 

On XX/XX/ I discovered that my accounts had been closed due to " inability to verify information '' when Discover literally made it impossible for me to verify the information to their satisfaction. 

I have been a customer of Discover Card for over four years, have never had a late payment, and have never given them any reason to believe that I was a risk. I had two credit card accounts with them, one of which they increased the balance of during the period they were reviewing my account, which obviously indicates I was an excellent and responsible customer. It is not clear whether they intend to honor the 0 % interest agreement they made with me when I opened the second account and for which reason I transferred balances. 

This seems like a clear case of XXXX XXXX, since the information requested could have been verified in innumerable ways, as could my income and any other information that Discover Card might legitimately need to complete an account review. It also feels like harassment, as Discover sent me a notice that they had completed the review and then demanded further review, as though they would continue with this process until they reached the conclusion of closing my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i sent a letter to the credit bureaus regarding inaccurate and unknown things on my credit report it is now well over 2 months later and i have not gotten a response on these matters. In Section 611 ( a ) it plainly states failure to investigate these items within 30 days gives reason to immediately remove them from my credit report entirely. We are now beyond the 60 day mark and these items should be removed promptly. I demand the removal of these accounts or I will begin the litigation process due to the stress this has caused me as these items are falsely representing who I am and negatively impacting me. Further my information has been compromised due to the Equifax data breach and my information may have landed in the wrong hands
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$450.00} on the XXXX original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a XXXX account and shortly thereafter decided to cancel this account. I followed the cancellation policy outlined by XXXX. I even took it a step further and went to ( 2 ) stores and spoke with a supervisor at each store to confirm the account was cancelled and in good standing. On both occasions, each representative told me that the account was paid and in good standing and that the account was in fact closed and there were no issues with the account. I later spoke to the regional director of XXXX, and he too looked up my past account, and confirmed that the account was in good standing and there were no issues. I did not receive documentation from XXXX that this account was in jeopardy. I was not aware that this account had gone to collections until I obtained a copy of my most recent credit report. This account has no outstanding balance to report and therefore should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

On multiple occasions I've noticed a late fee charged to my account although I was not late. Some times I was credited by them others I had to point it out. I want a full investigation of my account from the day it was open. In XXXX I made two payments 1 for XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. None of my XXXX payments were posted on my statement but a XXXX late fee was charged to my account and the same in XXXX which was credited back. There is clearly a problem that needs to be addressed with their system.
Product: Credit card or prepaid card

I live in XXXX XXXX but visit Florida because my in laws live there. I visited over the summer and this past winter. I believe someone used a skimmer to steal my credit card information. 

They posted three charges at the XXXX XXXX XXXX. 

XX/XX/XXXX XXXX. XXXX XXXX  - XXXX $ XX/XX/XXXX XXXX. XXXX - XXXX $ XX/XX/XXXX XXXX. XXXX XXXX XXXX $ I have been a loyal customer to BOA for 13 years and they are not backing me. 

the total charges is XXXX. I did not spend that amount. They are denying my claims. 

I was in XXXX XXXX during the time of this incident when I was aware of the charges I called my bank to change my card immediately. 

I've heard this is frequent with BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is violating the FCRA under the " guise of it's the creditor ",. After TransUnion was forced to remove items, TransUnion has made every effort to damage my credit, I am done trying to get them to do their jobs accurately, to illegally re insert, and re-age the same duplicate account shows me they are very Deceptive, and will violate any FCRA Law they claim they abide by just to destroy my credit, to keek me getting new credit. Since all they care about is getting paid by creditors, and they are willing to violate the laws, for the creditors, then TransUnion can get sued for every fraudulent account they take off and re-inserted back on my credit such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX, who is originally XXXX 's XXXX, for {$820.00} they deleted and illegal just placed back on, and XXXX XXXX XXXXXXXX, Tax lien of XXXX dollars which TransUnion has committed fraud by adding payments I never made to reset the statute of limitations, on a tax lien they are prohibited from reporting,. '' If we got to remove them we are going to re insert old ones ''. 

they are getting to the point where I have hired the XXXX XXXX firm to file a Section U.S.C Lawsuit against them,. My law firm will be watching my credit like a hawk, and I am documenting every fraudulent activity being done by Transunion re-inserting old removed accounts, re -aging debt, fraudulently moving Public records that was deleted, to moving them fraudulently to collections under a false account type, I'm documenting,. And my attorney is recieving all of the documents, TransUnion can either choose to do the right thing, and remove XXXX XXXX XXXX, because I do have every credit report where they had all of the items on there, I have the credit report where they removed the items, to documenting, and creating a file in PDF, and sending it to my federal attorney. I will be watching my credit every second of the day from now on until it's time for the lawsuit hearings to commence, I will be documenting all removals, including re-aged accounts, and re insertions, tax liens from XXXX XXXX, TransUnion whether they removed it or not, TransUnion is going to help me build a case against them. They will no longer be talking to me, but my team of attorneys, and I'm not saying another to them, since they want to do illegal stuff to make their clients happy, we will see when the time comes in Federal Court, if those sane creditors will be there standing beside them, they can keep this message,. Or turn it over to their legal department, I do not care at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a report on Federal Trade Commission website on XX/XX/2019 about an unknown/fraudulent BK reporting on my credit report and have sent the copies along with my info and letter with explanation to the reporting bureaus ( TransUnion and XXXX ) on XX/XX/19 to remove the incorrect reporting from my credit reports. They have all the necessary documents in order to take an action and to remove the incorrect info, but instead they refuse to do anything.
Product: Checking or savings account

I saw a promotion that explained I would receive in an instant {$50.00} deposit bonus for depositing more than {$1800.00} into my account for the month of XXXX. I meant this requirement with a total depositing amount according to the records in my bank being over {$2300.00} yet they did not send me my instant deposit bonus. When I questioned them about this they began giving me the runaround and I informed them I would file a formal complaint with both you and the XXXX. They tried to claim I only deposited a little over {$1400.00} in XXXX but I have provided the evidence showing that is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan XXXX XXXX is reporting information to my credit report inaccurately. 

1. High Balances differs between all 3 major credit bureaus. 

2. Date of Last Activity differs between all 3 major credit bureaus. 

3. Date reported differs between all 3 major credit bureaus. 

4. Date Opened differs between all 3 major credit bureaus. 

5. Last Payment Date differs between all 3 major credit bureaus. 

6. Credit Limit is missing. This is inaccurate
Product: Mortgage

On XX/XX/XXXX I reached out to XXXX XXXX regarding a 30 day late that was reported to my credit for XX/XX/XXXX. At that time, I reported that my loan was transferred on XX/XX/XXXX. I immediately set up auto payments, which meant at that time I had autopayments for both XXXX and XXXX XXXX, but neither took the XXXX payment. The autopayment was made through XXXX XXXX for the XXXX payment, so I felt confident that it was set up right. On XXXX I received notice that my credit report said that there was a late payment. I logged in to XXXX XXXX and it said that my XXXX, XXXX, and XXXX payments had not been taken. I immediately paid them and called. They informed me that since the XXXX payment was missed ( even though I had 2 autopays set up at 2 different companies ) they cancelled the autopay ( and did not notify me ). They apologized profusely and made the correction to my credit. On XX/XX/XXXX I received notification that XXXX XXXX had now reported a 60 day late for XXXX. 
On XX/XX/XXXX, I called the XXXX XXXX Customer Service number and was told by the representative that she would place the request to have the 60 day late removed. I also never received an update saying that it was in process like I did the first time. I reached out to them again XX/XX/XXXX and was instructed to email at XXXX. I did so on XX/XX/XXXX and got an automated response, but nothing has been done. As of today, XX/XX/XXXX it has not been corrected.
Product: Debt collection

Amcol has a collection of {$270.00} on all three credit reporting agencies that is not mine. I have sent letters requesting supporting document since XX/XX/2019. To date they have not provided me with any documentation f have ignored my requests. I am requesting that this be removed from all 3 credit reporting agencies.