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

I have a car loan with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This installment account I've had for years and is an automatic debit to my checking account for the montly payment and recently I saw that in my credit report, the account was about to become a charge off. I called the bank and have not been able to get a clear answer. Then I have tried to dispute it to the bureaus with all the evidence that I have from the bank and I have not heard or had a response from the bureaus or the bank. 
I had to make a formal complaint to XXXX XXXX XXXX regulator in order to complain on the mishandling of my financial information. This violates my rights as a consumer to have the correct information being reported on the credit report. 

Attached all the evidence. 

Please advise,
Product: Credit card or prepaid card

I bought a 36 in grilled cooking station and it has not yet arrived to me and I have a feeling it was sent to the wrong adress this is very frustrating and sad. I demand a complete refund. I had to ask my boss to be off work today just to wait for that 36 in girl it is not very professional if that was the case. That my order got lost. I want a full refund. I waited all day waiting for my order to come thru the XXXX or register mail or even XXXXShipping but it seems like is not the order was track and it said it been deliver but it 's incorrect. It 's false. I want a full refund and hope that walmart undestands my concerns about it I never had expected this or experience my order to get lost. Not very professional now I have to go to neighbors houses to see if any body received my package or if it got stolen. Either way I want a refund. It 's not my fault or responsibility to be looking for that package I am stress out right now and so mad. I hope walmart does credit the 36 in grill back to me, and if I can recuerda it if I do find it the least they can do is let me keep that one if I do find it but I doubt it I will be going to places and ask neighbors to see if they receive it by mistake. This is very frustrating, so mad.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 a 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.
Product: Credit card

On XX/XX/23 I was an authorized user under XXXX XXXX XXXX XXXX credit card ending in XXXX and was declined when using the card with the merchant XXXX XXXX XXXX XXXX on XX/XX/23. I used the XXXX XXXX credit card because it would not have a foreign transaction fee on this international transaction, however the transaction got declined. I was then forced to use my XXXX XXXX credit card ending in XXXX for the {$110.00} charge on XX/XX/23. I figured since I have no choice but to use a credit card that would charge a foreign transaction fee because Chase declined the same charge on the XXXX XXXX that would have no fee I could call in and get it waived as a courtesy since Chase left me with no choice but to get hit with a fee. Within 90 days, I contacted Chase and received a response on XX/XX/23 denying me a credit of the {$3.00} foreign transaction fee that I was charged. I called again today XX/XX/23 to speak to a supervisor who wasnt able to help me either. I dont understand why this is a difficult situation to understand, since I made every effort as a customer to avoid the fee by using the correct card. I would like this matter resolved please.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Capital One date opened XXXX XXXX XXXX  account closed status charged off I'd been calling and sending several letters trying to dispute this account
Product: Mortgage

In XX/XX/XXXX I was given a trial modification of two months. XXXX started the modification. In XXXX I was told they didn't except my signature. They sent me a new signature page with postage. They claimed they didn't receive it. So uploaded it to their site. They accepted my XXXX payment. XXXX payment was returned with a foreclosure notice. My previous payment were not returned or applied to my account. My statements say no payment was made making my balance higher. They never validated my debt. My loan was originally a XXXX  product, and was sold after the big lawsuit that broke the real-estate market in XXXX. My mortgage was one of those mortgages. I have been trying to prove this since XXXX. I filed a wrongful foreclosure on my own, which I did incorrectly. The case was not going to be in front of the judge in time for the sale date of XX/XX/XXXX, so I filed bankruptcy on XXXX XXXX. The rears went on the bankruptcy, but they still won't except my payments, as of XXXX XXXX. They are trying to sabotage me and take my home. I have been trying to sale the home to get out of this situation. My XXXX  stopped the sale in XXXX of last year, and wouldn't except the payment for false liens. XXXX XXXX  XXXX has been harassing me for years with their self made rules. I have a civil suit pending, for the loss, the selling and discarding of my property, due to downsizing. I had a townhouse ready for purchase contingent on the sale which fell through. I had 5 closing scheduled waiting on a release that never came. These thingds made me have to move back in an continued this aggravation with Select Portfolio servicing LLC, the collection agency that services my loan.
Product: Credit card or prepaid card

Capital One I have had 2 cards with this business for over 10 years. A new card was applied for by someone which was fraud. I called Capital One to close this new account as I received a credit alert on XX/XX/XXXX indicating a new account was opened for which I never applied for. On XX/XX/XXXX I could not login to my accounts online. I called Capital One and explained I could not login and they indicated that one of my accounts was closed due to fraud.
I never got a communication about it. I then called them a couple of weeks later XX/XX/XXXX ( spent a half hour on the phone to get the account re-established and they indicated to login tomorrow and you should be able to re-enroll your existing credit cards.
Tried that on XX/XX/XXXX and all attempts failed. Called Capital One again and was transferred through 5 representatives and spent an hour and a half with no resolution.
At this point unable to login to see my credit card account information and do not have any statements to see if I owe anything, as I am enrolled in online statements.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXXXXXX These account have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I discovered XXXX XXXX XXXX  attempted to use my credit without my authorization, On the same day, I contacted the company to report the issue and requested an explanation. However, I have not received a satisfactory resolution. 

I have taken steps to protect my credit, such as [ freezing my credit, contacting my bank, but this incident has caused significant concern due to the unauthorized use of my credit. I am requesting a full investigation and prompt resolution of this matter. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm having a issue with getting TransUnion supplying a credit file/report/score or with a correct/accurate credit file/report/score. I have contacted you by calling, disputing, chatting online, and have not gotten my issue resolved.. Im asking/demanding TransUnion to take a look at my credit file and make sure to verify that all information is correct and accurate with my information and to fix the problem preventing TransUnion from being able to supply a credit report/file for me or anyone seeking a consumer report about me from TranUnion. 
This has been a issue for a LONG TIME long enough that it has caused me substantial head aches and problems with recieving fair treatment from companies/service providers that use TransUnion in order to offer me services. Most important of all, all the time i have lost trying to get the issue remedied ... .Thank You for any and all help into this matter!!!! 
P.S. i recieved a credit report that i requested and that report did not belong to me had another persons name and info on it.
Product: Credit card

Incorrect and over charged from past due amounts and statements falsified past due amount and new amount due do not match up Phone harassment after explaining situation with trying to get eyes corrected XXXX and situation told would do hardship and stop interest, and I became overwhelmed by excessive fees charged and tacked on monthly. Also have lawsuit filed against me, but court company will not investigate errors on billing statements requested to get validated three times and never received proper notification of lawsuit through mail was also called multiple times daily after requesting for feasible payment instead of them adding hundreds of dollars in charges for late fees and stating I owe more than I actually shouldve been paying them was to the point I never missed a payment on anything until this happened and after I had my XXXX  XXXX, it has severely caused financial and emotional distress
Product: Credit reporting

XXXX has been disputed numerous times on my credit including an update showing currently a lawsuit pending against XXXX and Consumer Protection Bureau has closed the case with my response to the dispute, and also XXXX did not respond within the 30 days
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed these accounts that are not mine and are fraudulent. Please remove these accounts and update my report.
Product: Debt collection

Letter was sent to my parents house on XX/XX/XXXX. I was just home for the holidays when I got the letter in regards to a past due XXXX bill. Contacted XXXX  directly, attempted to contact XXXX on XX/XX/2024 multiple times. Agent refused to identify themselves and hung up on me. On repeated attempts to call back, no answer
Product: Credit reporting

The IRS refused my income tax electronically as someone has already filed. I tried to get an equifax report. They asked me questions about a house loan, and XXXX bank loans/credit cards that I know I do n't have. Then they refused to send me the report. I need help immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent on my behalf for dispute of credit inquiries and collections on XX/XX/2020, to XXXX XXXXXX/XX/XXXXand Equifax to conduct investigations. After no response within appropriate time frame, I sent 2nd notice letters for demand of investigation on XX/XX/2020 for mentioned collections and credit inquiries on my credit report. The time now has been more than 30 days, and I have yet to receive a response regarding investigations.
Product: Debt collection

Im receiving an collection notice from Key 2 Recovery. This debt was proven to be a fraudulent loan taken out by someone that stole my identity. I received clearance notices from the loan company ( XXXX ) and the Department of Education. This debt was proven to be fraudulent, now Im being harassed by debt collectors representing the college I never attended. XXXX XXXX XXXX.for XXXX. This is a proven fraudulent case. Im still being harassed after almost 6 years. Please help. 

XXXX XXXX
Product: Debt collection

An account was opened unbeknown to me with Comenity Bank and it was sent to collections. My father who had all of my personal information used it to create several credit card accounts and I have been trying to remove them. I have disputed the record with XXXX but have not seen any changes.
Product: Debt collection

Recently, a collection agency name Radius Global started reporting a {$1500.00} collection account on my credit report. I have no idea what this is, nor what it could be. Prior to this account appearing on my credit report, I received no notification from the collection agency at all. No calls, letters, e-mails, or anything. Since I was never given an opportunity the address this supposed debt, prior to it being reported, the collection agency is in violation of federal collection law.
Product: Checking or savings account

Someone found my lost banking info and tried depositing a fake check into my account in 2017. I contacted the bank and also the XXXX XXXX XXXX. Im fed up at this point. I cant open bank accounts nowhere and its frustrating. I need this to be deleted from my credit profile. Bank of America still cant give me solid evidence of this action.
Product: Debt collection

On XXXX/XXXX/15 I received a phone call from a man who said he had to " qualify a file. '' He did not identify what the file was regarding. He only said he was " gathering information. '' I refused to speak with him and told him I did n't know who he was and therefore would n't provide any information to him. He then transferred me to a woman and when I asked her what this was regarding, she said XXXX. I immediately hung up. According to my credit report, XXXX wrote off and closed this account. 

On Friday,, XXXX XXXX, 2015, I received this voicemail message : " This is XXXX XXXX. We need to qualify this file that is in review. I 'm sure we can help you sort something out but we need to talk about it. I 'm trying to prevent calling you at work. This is a courtesy call. '' On Monday, XXXX XXXX, 2015, my landlord received a message from a woman named XXXX for me claiming she was from " Worldwide '' and that she had to speak to me. She left a phone number that was similar to XXXX XXXX 's XXXX ( XXXX XXXX number is XXXX ). I then received a phone message as well stating that she was having a meeting about the file in the morning. 

When the woman called, she somehow hid the phone number she was calling from and it just showed " XXXX '' XXXX. 

I then sent a text to the XXXX number demanding that they cease calling me and my landlord. That request was ignored. 

On XXXX/XXXX/15, I received a phone call from " unknown '' at XXXX.. I then got a second call from " unknown '' at XXXX. At XXXX, I received a phone call from XXXX XXXX XXXX . He stated he 's calling me with some very important information that I need about the property on XXXX. I do not have any kind of financial interest in the XXXX property. 

On XXXX/XXXX/15 I received the following phone calls : XXXX ( XXXX ) from XXXX and at XXXX Unknown No messages left. 

On XXXX/XXXX/15 a woman named XXXX left a message for me on my landlord 's phone saying I needed to call her. It was a XXXX/area code number. She did not say what the call was regarding or why I needed to call her. 

On XXXX/XXXX/15 I got a call from Worldwide Asset Services XXXX that was an automated message. It stated that they 've left messages for me to call them but I have n't returned their call and it 's very important that I call them. The number they left was XXXX. Same message was left on my landlord 's phone.
Product: Money transfer, virtual currency, or money service

I am an XXXX XXXX. I needed to pay an expert for one of my cases who lives in XXXX. I sent the money via MoneyGram at a CVS drug store near our office. The individual could not collect the money because he ID name did not match exactly the name I used when I sent it to him. I have been trying to get this fixed. First, CVS said I have to go to MoneyGram. They have no contact information on their website or on the receipts for assisting a consumer. I submitted a request for help on their website. It took at least four business days ( and a weekend in there ) for a reply. The phone number they sent requires you to give information about your age or to accept some kind of " promotion. '' I could not get through to a person without doing this. I kept getting disconnected. Then I pressed a number associated with one of the " promotions '' and got a person. Told him the problem that I need the name fixed so my expert could collect his money and he said he would help me but FIRST I was going to get some XXXX card promotion. I said " no, I don't want anything '' and then I was disconnected on the call. I sent this money on XX/XX/2021. It is {$1500.00} USD.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My personal information has been used to obtain goods and services.I Contacted Equifax and told them that this inquirires are fradulent and provided proof, even though they told me that this inquiries were verifed. Please dispute and remove this fradulent information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/XXXX I answered the phone and was told it was state collections on behalf of advocate medical group. I had explained to advocate i had filed bankruptcy and was not paying the bills. I had then notified state collections. On XX/XX/XXXX I got a letter from state collections and had notified them once again I had filed bankruptcy. On XX/XX/XXXX state collections sent me a text message asking me to open the attachment that disclosed the same debt I have filed bankruptcy on. State collections has also obtained my new address i just moved into less than a week ago.. if they can tlo my address why can they not close this out for bankruptcy. This is harrasement and I did not give state collections permission to contact me via text message
Product: Consumer Loan

Title Max will not give me any statements or receipts for payments made on the loan or how they accrue interest for payments. It seems I am never paid down. They lost my title and then placed a lien on the car when I demanded a full account summary and transaction statement. They are leaving me threatening voicemails to repossess my car and the balance is double what I borrowed after making payments for a year.
Product: Credit reporting or other personal consumer reports

I am Disputing the Ownership as related to the full responsibility, or liability for the account. This account is not directly under the personal name of XXXX XXXX but under a corporation. 

I am not an owner, co-owner nor partner to the owner of said corporation.
Product: Debt collection

National Credit Adjusters has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

When a company says soft pull should be a soft pull not a hard inquiry and some more than twice on my XXXX account mostly and noticed some on XXXX XXXX and XXXX please remove this inquiry notices that I did not authorize and was manipulated more than once. Companies need to be held accountable for this kind of manipulation practice and had enough.
Product: Credit reporting or other personal consumer reports

Same complaint, they are now deliberately screwing up my credit report because I am complaining about them and filing these complaints, they removed XXXX, THIS IS CONSUMER FRAUD