23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Unauthorized inquiries and/or unknown companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$360.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$230.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

I ordered a router from XXXX and paid using my Wells Fargo Visa credit card. However, I never received the package. I contacted my local post office, and they issued an official claim letter confirming that the package was not delivered to me. The letter also states that the seller provided an incorrect name and address, which caused the delivery to fail. 

I submitted a dispute with Wells Fargo. However, Wells Fargo denied the dispute, stating that the seller proved delivery. 

Wells Fargo never reviewed or considered my evidence from the post office, which clearly shows the package was not delivered to me due to the sellers error. I believe the dispute was unfairly closed, and I am seeking help to reopen the investigation with proper review of the evidence I submitted.
Product: Debt collection

I have received many notices regarding a debt that is not mine. I do not know what this debt is for and it is not mine. I believe it may have been due to a previous tenant at my home based on talking to the company, but the debt is absolutely not mine and many attempts to dispute this have gone unresponded to.
Product: Checking or savings account

Good day! 

This narrative letter is a complain I am filing against Capital One Bank Checking Account.

I deposited two checks on XX/XX/2022 to my bank account which is the Capital One Bank. 
One check is from auto insurance ( XXXX amount is {$3600.00} ) and the second is auto insurance ( XXXX amount is {$2800.00} ) Unfortunately Capital One Bank froze my account on XX/XX/2022 that I cant able to access.For some reason that the check wasnt written under my name but under my customers name. I been trying to call them to fix my account however they mention it takes 60-90 days to fix for them and 90 days is over already. 
And now they mention that they need a HOLD HARMLESS FORM from the auto insurance company I been calling capital one bank that XXXX XXXX doesnt issue that form cause the money has go through already. 
And now I am truly mad and frustrated this kind of management they have. 
Please help me cause that was ourBREAD AND BUTTER
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following inquiries on my credit report multiple times. Equifax has continued to let these improper inquiries remain on my report and call the FACTUAL without providing me with proof of such. I am requesting the following be removed from my report ; XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I recently received a copy of my ( Equifax XXXX credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX SSN : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

all ftc violations XXXX XXXX {$13000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX co {$1200.00} XXXX XXXX XXXX {$490.00} XXXX {$10000.00} Pursuant to 16 C.F.R. 2.10 (  a ), Petitioner SLAC , Inc. ( SLAC ) petitions the Federal Trade Commission ( FTC ) to limit or quash the Civil Investigative Demand ( CID ) issued to SLAC on  XX/XX/XXXX, XXXX SLAC objects and seeks to quash and/or modify the CID as being improper and unenforceable because the CID seeks information that is irrelevant information beyond the scope of the FTCs investigation and is part of an unlawful, unauthorized investigation. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have never lived in Massachusetts. How do I remove this completely that have my name afflicted with anything in Massachusetts? 


XXXX XXXX
Product: Student loan

I have had a student loan with Navient student loan company since 2012. I have been in touch with this company several times. I realized after 2 years I was making double payments on this loan. I was mailing a payment and then they were taking the payment autopay every month. When I realized this I looked into it and they were charging me interest on both payments and not applying a payment directly to principal. When contacting the company I was hung up on several times and re routed to several people. I was basically told that is how it works because student loans are designed to be payed off within the payment plan originally chosen and that penalties were given if the loan was paid off before the desired payoff year. If I did n't get charged extra interest my loan would of been paid off
Product: Student loan

I only just learned about IBR this year ( 2024 ). Prior to this I was guided into either deferment or forbearance options. Almost half of my original loan is accrued interest.
Product: Credit card or prepaid card

Citibank Dividend Credit Card offered 5 % cash reward for car rentals and airlines purchases from XX/XX/XXXX to XX/XX/XXXX. 

Citibank sent out email to me and I activated the Offer via email one click. 

I made purchases of car rental in XXXX and XX/XX/XXXX totaling {$180.00}, and purchased airline tickets in XX/XX/XXXX totaling {$1100.00}. 
The total purchase of car rental and airline is {$1300.00}. The total reward should be 5 % of total purchase equaling {$67.00}. However, Citibank only gave me {$13.00}. The difference is {$54.00}. 

I spoke to Citibank customer service center in XXXX. The first employee didn't know what I was talking about, then I was transferred to XXXX, who is a supervisor. After I explained to her what the reward offer was, she told me the travel reward offering was for XXXX, not XXXX. I told her the website which has the reward calendar, she insisted I was wrong. When I asked to speak to her manager, she insisted that no manger is available.
Product: Vehicle loan or lease

On XX/XX/2020 someone without my authorization ran my credit to obtain an auto loan and I tried calling XXXX to fix this and they would not help
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and would like these alleged accounts removed immediately. 

Fraudulent account : XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 card or prepaid card

I checked my credit and saw an account from LVNV Funding for XXXX XXXX for {$1100.00}. I lost my job and became homeless. I have saved money since working part time. Im able to offer {$600.00} for to settle for a deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have XXXX XXXX XXXX new unauthorized inquiries on my report asking for immediate removal
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries on my credit report. I have recently reviewed my credit report, and I have identified several inquiries that I did not authorize. These inquiries are affecting my credit score negatively and were not initiated by me. 

Please find the details of the unauthorized inquiries below : Inquiry by XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/year> Inquiry by XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I kindly request that you investigate these inquiries and remove them from my credit report promptly.
Product: Credit card or prepaid card

There are disputes on my account pending from fraudulent charges on my account from a dating service XXXX XXXX back to before XX/XX/2020. I put in a dispute for the charges in the appropriate time and reported fraud on my account the dispute was not put through appropriately and therefore the charges reappeared on my account. I called and once again put in an additional dispute and was assured that it would be properly handled and yet again it was not. So I have for the third time attempted to correct all these charges which were over {$400.00} in charges. In my third attempt I am now being told the charges are too old for them to dispute. That is not my issue as I did dispute the charges in the appropriate timeframe and due to them not doing their jobs properly or communicating things with me this has dragged on for about a year at this point. And every representative gives me a different story when attempting to fix the matter. First they tell me the disputes are too old. Then I am being told that it was reported as fraud and that it was proved that I did have a page on XXXX which best buy never informed me of any such proof and never provided any such proof for me to dispute. So reporting them is my last resort for a resolution
Product: Credit card or prepaid card

XXXX  by way of TD Bank is acting unacceptably and unfairly against me. I've been a Credit card company since XX/XX/2016, and I have never had any issues. I live with XXXX XXXX and had a prior incident that left me with XXXX XXXX, so I have to write my pin number on my card. I lost my card and or never got the card, can not remember due to my XXXX XXXX and someone stole it and began using it. I filed a claim with XXXX, they sent me another card with the same pin to the same address, and that particular card I know factually that I did not get. At this point, XXXX is charging me over XXXX in credit charges with NO proof it was me who made the purchases. This is not only upsetting but spiking and triggering to my anxiety. This is now causing me my health. I also got a letter in regards to the 1st of the 2 claims and I was told that the card was activated at some number with an Arizona area code. I have a XXXX XXXX, Ca area code phone number. I do not have a phone number that is from Arizona. So they denied and closed my claim prematurely because it was activated on a number? That number could belong to anyone, even a family member of mine. At the end of the day If the card was activated justly, but I forgot, that happens- but it was lost and or stolen and someone used it without MY permission. I feel targeted and I am now a victim a third time because this company decided to give my claim one look over and rush to resolve with their best interest at heart. This is unethical and also, discrimination in regards to blaming me for the lost and stolen usage because of the PIN on my card. I know lawfully you can not discriminate against a consumer/customer because of that need- many elderly people have to do the same. The agents on the phone are rude and do not try and help- they leave me on hold for 20 mins at a time. It is truly unacceptable. 

There were charges in XXXX in another state- in XXXX XXXX XXXX . I, unfortunately, have never been to XXXX XXXX XXXX. So this is really upsetting that XXXX  is getting away with treating customers this way. Discriminating against me and my mental state and my XXXX XXXX issues. This is really upsetting. 

I am being denied without thorough evaluation! I filed two claims, they combined the two into one and denied them both at the same time, which is unacceptable. Especially in a financial institution.

It is illegal to discriminate based on race, mental health, economic standing or anything else. PERIOD! Also, the bank is supposed to be working for and with me, not against me. This is what's happening here. 1. Being lazy and not researching in great detail.

XXXX is making a bias and unethical decision based on miscommunication. They are using my lack of XXXX on whether or not I activated the card on whether or not I used it. The card was lost and or stolen and used without my permission!
Product: Credit reporting or other personal consumer reports

Notice to Agent is notice to principal notice to principal is notice to agent. 

On XX/XX/XXXX you received my dispute regarding some transactions and late payments that you and XXXX XXXX XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!!

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.The only way for you to validate a latepayment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate.We are requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b , and you have fraudulently verified an account without a reasonable procedure as required by law. 

Delete this incomplete and unverifiable accounts and transactions from my consumer reports : XX/XX/5000
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CASHAPP ( BLOCK , inc ) due to inadequate costumer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress and all fund reported from my account returned EXPEDITIOUSLY
Product: Debt collection

I have been contacted by phone by XXXX XXXX XXXX XXXXXXXX indicating they are a courier notifying me of a debt from overdraft fees they state I owe Fifth Third Bank and threatening legal action. I have repeatedly told them I have not held an account with Fifth Third Bank in XXXX years. They stated my account was never closed and that I needed to prove that it was which is to say ridiculous given the amount of time that has past. I have had no correspondence from XXXX XXXX regarding this either. These individuals contacting me had my personal cell phone number which I did not have at the time of the acct those years ago and they had my social security number. I don't know if this is a scam or improper debt collection but I can not possibly be held liable for debt from XXXX years ago that I didn't even know I had. I live in NC. I have filed a complaint with the NC DOJ consumer protection unit but these individuals are calling from out of state. The numbers that they are calling from are XXXX and XXXX. When I asked for proof of debt they sent me emails from docusign. I'm not uploading or signing anything from them. I have requested they cease and desist contacting me regarding this.
Product: Debt collection

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX  XXXX XXXX XXXX / {$3700.00} / XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX / {$3500.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted VW finance in 2018 and provided a court order to remedy my dispute. VW returned a vehicle to the possession of my ex husband that was titled under my name following a repossession. I was not made aware of the transfer of this property back into his care and obtained a court order stating that my ex husband would be entirely financially responsible for the vehicle, at which time he was ordered to retitle the vehicle under his own name and remove my name from the title. Volkswagen financing was provided with copies of this order on two separate occasions, and a formal dispute was filed. However, VW financing refused to honor the court order and placed this negative debt on my credit report.
Product: Debt collection

Credence Resource Management , LLC calls my number from 6-8 times per day, during hours that are not allowed and even on weekends. They are rude, aggressive and insistent even when told Im at work and unavailable. They have become a constant annoyance to my sister, who takes care of my special needs child while Im at work. The harassment needs to stop. They outsource work to employees in different time zones, so there's absolutely ZERO respect/consideration for the Eastern time zone and when theyre allowed to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a Macy 's XXXX XXXX XXXX. However Card Denied. reasons : 1. Serious delinquency, and public record or collection filed-Provide proof? 

2. Number of accounts with delinquency- Provide account names? 

3. Time since delinquency is too recent or unknown- Provide time and dates : 4. Length of time accounts have been established- Provide length time names? 

Please provide insufficient requested information as stated above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX that was open XX/XX/2016 on my credit report that is not mines. It was sold to Suttell & Hammer, PS. I do not have a contract with them, I never signed a contract with them, I never did any business with them and I do not owe these companys. I have filed a police report, provided them with the police report and they removed it from my XXXX report and placed it back on. 

XXXX reached out to me by mail and I submitted all documentation that they requested. To show this account is Identity Theft and not mine.
Product: Credit card

Recently denied credit from Synchrony Bank / Harbor Freight credit for the basis of " un satisfactory payment history with Synchrony Bank '' I have several credit lines with them for many years and have never missed a payment. I also have a XXXX XXXX XXXX and make XXXX annually also a 9 % credit utilization. I have many credit cards only one carrying a balance of any sort. If i can't get a line of credit then who can? I feel like this is discrimination under the federal equal credit opportunity act. I cant find a reason for a denial.