23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing inaccurate information on my credit report. XXXXXXXX XXXX, XXXX  is inaccurate. The information is not information relating to any transaction by the consumer.
Product: Checking or savings account

On XX/XX/year>, I have requested a bill payment to a maintenance company who served my church. In XXXX, I found out that the company did not receive the bill payment check from the bank XXXX XXXX  XXXX XXXX ) but the check was cashed out somehow. I have requested information for that check to bank to find out whom to paid. Bank investigate the maintenance company to make sure that it was not a scheme/fraud. The maintenance company did provide all requested documents that the company did not receive nor cashed the check. I have requested to the Bank to return the money ( {$1500.00} ) back to my checking account but XXXX  XXXX XXXX did not return the money yet. XXXX  XXXX XXXX has blamed Bank XXXX XXXX did not take any action to return the money back to XXXX XXXX XXXX. These two banks threw a ball to each other to avoid blame and try to avoid pay back my money. If XXXX  XXXX XXXX find who withdraw money ( {$1500.00} ) then Bank XXXX XXXX charge back to that account and return the fund back to me instead of dragging almost a year without any response. This is bad, very bad practice.
Product: Vehicle loan or lease

I have purchased a new XXXX XXXX from a local dealer in XXXX and sold the vehicle to XXXX in XX/XX/XXXX. XXXX sent a pay off check to Hyundai Motor Finance on XX/XX/XXXX and the check was cleared XXXX cashed out - {$11000.00} ) on XX/XX/XXXX but it was never applied to my account to this date. 
I have called HMF a total of 5 times to get this resolved. The first time, they requested the check number, amount, and a copy of check back and front. I got them the information they requested. My account has not been updated to this day ( XX/XX/XXXX ). I spoke with a total of 3 escalation point managers. The first manager that I spoke to on XX/XX/XXXX was able to locate the check and requested it to be applied to my account because she found the check was applied to a non-existing account that was one number away from my account. She issued a ticket to correct the error but it was not solved until I called them again today ( XX/XX/XXXX. ) They made a mistake by putting one number wrong. They started calling me two times daily to tell me that I'm behind on the payment and charged me a late fee. I made one extra payment on the loan. They have cashed the the check and currently have the fund and still hasn't applied it to my account and I'm about to make the second extra payment to prevent paying another late fee and being forwarded to a collection agency as they told me that they send it over to a collection agency once late payment is older than 30 days. 
I spoke with XXXX and they provided all the information that was related to the transaction and the account number on that check was correct. HMF made a mistake and hasn't admitted the mistake and instead they charged me a late fee. 
There was absolutely no way that I could speak with someone who had information related to my account whenever I made phone calls. I had to go through from the CS person and asked to escalate the situation up as their ability to research the check was limited and was not able to solve the issue. I had to spend at least one hour each and every time I called them to get to someone who could even search what has been going on with my account. This company 's customer service system was just a nightmare lacking communication within their system and the inconvenience falls on the customers. 
My personal note to the company - I have purchased a total of 5 new Hyundai vehicles in the past 10 years and will never do a business with them again.
Product: Debt collection

Sent debt collector request to validate. They sent statement with XXXX logo on it, an XXXX number, total amount due, bill date, a closing balance, additional charges ( undefined ). And that 's it. No notice of right to dispute. No other information requested in my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

I had to call Transunion for ID verification to replace a freeze ( unable to access on-line. ) One of the questions they asked was where my ex-wife, XXXX XXXX ( divorced in XXXX ) had lived. I know she moved a lot and I have no reason to keep up with her as there was no child support or alimony involved. I asked if she could be removed from the ID process and they stated there was no procedure for her to be removed. This places individuals in the position of being unable to access credit info accounts because of relationships that are decades old. Can the Agency establish some requirement to address this matter?
Product: Credit reporting or other personal consumer reports

In XX/XX/2020 I advised representative to update my payment information. The company continued to auto draft from an incorrect account, I call multiple times to correct this issue and finally issue was corrected. The agent agreed to waive all fees and assure that I would not be reported negatively to the credit bureaus. The following month I discovered the delinquency reported and once again they stated they would correct the issue. The account was current and the issue resolved. Even with the the auto draft issue there were no late or delinquent payments. The are very difficult to deal with and do not honor what they say.
Product: Credit reporting or other personal consumer reports

Synchrony Bank DBA Care Credit. I was a joint applicant on this account. They sent a debt settlement to my daughter ( primary account holder ) in the amount of {$1000.00} dollars and stated that they would accept the amount in 6 installments, and once the amount was paid they would delete the account from her credit report and my credit report, 30 days after the last payment was made. They did not do what they stated and they reported the account late for for 6 months and then reported as a charge off and bd debt and states the amount owed is {$1300.00}. This improper reporting has stopped me and my husband from receiving a new mortgage loan. My daughter and I have both spoke with agent from synchrony bank and they continue to refuse to delete from our credit report. 

XXXX XXXX keeps reporting a late payment in XX/XX/year> and during that time I was returning to work after having XXXX. They refuse to remove the 1 late payment. 

The same thing with XXXX XXXX, they continue to report a late payment in XX/XX/year> and at that time I was out with XXXX. I spoke with an agent and they stated that they would remove the late payments, but they have yet to remove them XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XXXX last XXXX of XXXX Daughter name XXXX A XXXX XXXX XXXX of SSN- XXXX
Product: Checking or savings account

My name is XXXX XXXX XXXX ( XXXX last # XXXX ) and ( XXXX # XXXX ) and I written several complaints regarding my account missing or ommitting money.

1 ) Either the balance does not match my expenses and 2 ) The charges on the account are repeated after being deducted on the day of the available balance and then added to the pending on the following closing of the day thus, charged twice to my account.

3 ) The available balance at end of day changes when charges are repeated For instance, On XXXX The available balance after deducting my charges of the day was {$870.00} Today, I went to my account and some charges were omitted from the XXXX and repeated and deducted from the current available balance. Thus the account balance was {$830.00}. 

There is a deficit on the account after my purchases of : {$12.00} My account is not supposed to get charged the monthly fee as it does not have a separate credit card attached to checking or linked to account. 

The current charges are : {$6.00} ; {$6.00} ; {$14.00} ; {$5.00} Reflecting two available balances at closing of day : XXXX -- -- {$870.00} XXXX -- -- - {$830.00} Deficit or ommitting : {$12.00} to my account. 

On another day : XXXX XXXX XXXX XXXX  {$66.00} missing or ommitted from my Citibank account. 
Available Balance on account : incorrect. 

XXXX XXXX  XXXX XXXX {$17.00} Missing or ommitted from Citibank Account. 
The intention of theft was to leave the account at a value of XXXX. 
Nonetheless, the bank has adjusted account to estimate or cover theft by {$9.00}. 
Missing {$17.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This collection agency has reported that I own {$89.00} for an policy that I paid in full. I have disputed this with XXXX and have gotten no where. I paid this policy in full and then cancelled it. I had no issues at the time of closing the policy and was not aware of any other charges. I have notified the collection agency of this and they have no verified the debt. The amount of {$89.00} should be removed asap. I am filing this complaint first to see if I get anywhere. If not, I have intentions to refer this to my attorney for a civil lawsuit seeking damages. I do n't care of the cost, this is principle. I expect this to be removed from my XXXX Credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that 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 information 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
Product: Checking or savings account

America First Credit Union is forcing all of its members to upgrade to a paid checking account when previous to this they have always been free. They have made it difficult to switch back to a free checking account by being unclear in their initial emails and social media communications about how to switch back to a free account, and the new free account comes with considerably more restrictions and less services than the old free account. This is a predatory hoping that people won't go through the trouble of switching back to the free accounts so they can charge you for what they use to include for free.
Product: Credit card

I receive an email from XXXX XXXX application which is through Citi bank about someone who placed a false application to open an account using my identity. The application number is XXXX. I have been trying all day today to speak with someone from Citi bank to report the application as fraud. I have been completely unable to speak to anyone from the company due to the automated system requires an account number and I do not have an account. It has been impossible to speak with an actual representative to even be able to look into the issue. I used numerous different phone numbers with the bank and still no success. I have had multiple fraudulent applications over the past year and this email appears to be legitimate as well. I would appreciate assistance resolving this issue. The XXXX XXXX department only has business hours and I want this taken care of as soon as possible.
Product: Vehicle loan or lease

Good day, I'm kind of worried, I called credit acceptance today and it seems the phone is out of order, I need the gap insurance to pay off my vehicle. around XX/XX/year> my vehicle was shot up at a gas station, I was told that I still have to make my XXXX payment or the gap insurance won't pay off what my insurance did not cover, my vehicle has been totalled for about two weeks and I'm still being made to make payments, and now I can not get in touch with the gap insurance, I need my vehicle paid off, last week and now I can not get in touch with anyone this will destroy my credit please help
Product: Debt collection

This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable.

The original signed agreement or contract linking me to this account.

Documentation showing the full history of the debt, including the original creditor.

Any judgments, insurance claims, or assignments of the debt.

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries from mortgage companies. I only inquired about rates and they ran my report without my approval. 

XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

A job offer was initially sent to me through an apparent admin ( going by the name XXXX XXXX ) from my school ( XXXX ). Stating that they would be playing {$600.00} weekly, and first come first serve. Immediately I inquired about the position and ended up getting it. The scammer " XXXX XXXX '' claims to be a property interior designer with a large client base In need of a personal Errand Assistant. The Job Duties would be to " mail services '' ( receiving mail from nearby post office and paying bills ). And they also said that they would supply me with sufficient funds and adequate instructions for every task. I did supply them with some basic personal information such as ( my full name, address, phone number, name of financial institution, age, city, state, zip, and email address ). Fortunately, I did not supply them with any account numbers or my SSN. I am reporting this scam for documentation purposes. 

Attached are the correspondences with the alleged " XXXX XXXX. '' Included : FTC complaint, email attachments Please contact me at ( XXXX ) XXXX for additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an auto loan on my account that was with Capital One Auto Finance. It was included in my now discharged XXXX XXXX bankruptcy, surrendered to a third party, my ex husband. Capital One Auto Finance did not file a reaffirmation agreement with the court. The ex husband made a separate agreement with Capital One Auto Finance to pay off the vehicle and has been paying it, in fact paying it off this month. Capital One Auto Finance continues to reflect this negative reporting on my credit, I have disputed with XXXX 4 times and Capital One Auto Finance XXXX time. I have also an open dispute with XXXX as it appears they reported it accurately in XXXX but Capital One Auto Finance reported it again negatively in XXXX. It is shown accurately on XXXX reporting " included in bankruptcy ''. I will continue to fight this until the two credit bureaus show it accurately as " included in bankruptcy '' as Capital One Auto Finance is being deceptive and lying in that they have a separate payment arrangement made with my ex husband, that has nothing to do with me as surrendered the vehicle in 2017. This is wrong, and it is damaging to my credit reporting preventing me from being able to obtain financing on a new home. As a single hard working mom, I will always fight for what is right to defend my home, my son and our livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX XXXX, January Technologies is the servicing agency and point of contact. XXXX XXXX/January Technologies furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. The balance on my credit report is not the same balance that the original creditor is reporting. Furthermore, I was never sent correspondence notifying me that this account was sold to XXXX XXXX nor have I received proper validation from the original creditor. I received nothing in the mail leading up to this collection being reported. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from XXXX or I will have no choice but to forward this to my litigation attorney.
Product: Debt collection

Previous case # XXXX is on file. Company mailed me, stating debt is still owed, despite evidence shown that XXXX XXXX is responsible for ANY and ALL debts incurred by XXXX XXXX, on or before XXXX XXXX, 2015. This also hereby serves as an official cease and desist notification to this collection agency, including postal and or electronic mail, telephone communications of any kind, as well as credit reporting. The divorce decree was attached in the previous complaint. Also, 33 calendar days ago, I requested a list of any and all credits and debits of alleged debt. That honor has yet to be fulfilled, and it is beyond the 30 days of request, hereby making this attempted collection null and void, in accordance with the FCRA, and FDCPA.
Product: Credit card

I was travelling to XXXX XXXX from XXXX, NJ on XX/XX/2024. As I was going through customs, XXXX customs officers pulled me aside and demanded a customs fee that I never consented to or knew about. They took possession of my card and passport and charged {$820.00} that I had not authorized. I was not given any receipt or proof of payment. I reported the incident to Chase in hopes that they would investigate the XXXX and reverse the charge. Chase refused to look into this matter after multiple requests I made and sent me a letter stating that they thoroughly investigated my claim and concluded that I benefited from this transaction. When I asked for evidence, they couldnt provide any.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX DOB XX/XX/86. I have been impacted with COVID SINCE XXXX! I HAVE BEEN IN CONTAXT WITH XXXX WHEN NOT on oxygen as I could. I have been in most recent contact, XXXX, XXXX, XXXX and XXXX Each month aside from XXXX, I was told, my account was covered under the assistance program for COVID AND NO PAYMENT WAS DUE. I THEN GET A COLLECTION CALL IN XXXX STATING I OWE {$190.00}!!! They told me all this missed COVID PAYMENTS WERE NOW ALL DUE AT ONCE!!! I HAD NO NOTICE THIS WOULD BE THE CASE, NO WRITTEN AGREEMENT NOTHING!!! THIS IS UDAAP!!! HOW CAN A PERSON IMPACTED BY COVID PAY ALL THESE PAYMENTS AT ONCE!! WELL DUE TO MY CONCERNS WITH MY CREDIT SINCE MY HUSBAND JUST DIED FROM COVID AND SO DID MY DAUGHTER, I NEED MY CREDIT! SO I SOLD MY WEDDING BAND TO COVER BILLS! THIS BILL! I PAID {$200.00}!!! TWO DAYS LATER MY CREDIT SCORE DROPS 33 POINTS! WHY?! BECAUSE XXXX  REPORTED ME PAST DUE!! I CALLED IN AND THE THRIRD PARTY REP TOLD ME ITD BECAUSE I HAVE NOT MADE A PAYMENT SINCE XXXX. I TOLD HIM I WAS TOLD I DID NOT HAVE TO BECAUSE I WAS ON TEH COVID PLAN. HE SAID, WELL I SEE THEY WAIVED LATE FEES FOR THOSE MONTHS, BUT I STILL HAD TO MAKE PAYMENTS - XXXX  XXXX!!! TOTAL XXXX!! I WAS TOLD I DID NOT HAVE TO! 

THEY NEED TO BE INVESTIGATED FOR HOW THEIR TREATING COVID IMPACTED CUSTOMERS!! THEY TOLD ME I QUALIFIED FOR COVID ASSISTANCE, AND NO AYMENTS WERE DUE, THEN THEY DEMAND A {$190.00} PAYMENT WITH NO NOTICE AT ALL!!! THERE WAS NO AGREEMENT TO MAKE ME AWARE THAT COULD HAPPEN! 

I NOW HAVE TO CREMATE MY DAUGHTER WHO DIED FROM COVID BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!!