23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This is a three part complaint chime bank. I've had account two years and used XXXX XXXX. If dud what they said, my score shot up. The issue as I just became a platinum member. So a preferred you get a metal card and but on XX/XX/XXXX I ordered two pairs of what I typed in and looked like XXXX XXXX $ each. I never see that cheap so later before anything coukd ship I looked and noticed it says of XXXX XXXX XXXX in some view you see a XXXX symbol in straight on nothing blank so I figured XXXX XXXX so I canceled both before they ever shipped. On XX/XX/XXXX XXXX was refunded. But that's two pairs wheres the other XXXX well XXXX says both were refunded one on the XXXX and one on the XXXX chime says no. But I keep disputing the charge. And nothing gets done. Then I used XXXX XXXX ask one question for XXXX they did not help what I asked none the less I noticed if you use you have to cancel only there's nowheee too and the tech experts don't answer where can I cancel. XXXX warned chime I don't use and don't want this charged. I calmly disputed this also. Somehow a XXXX XXXX  charge for XXXX from XX/XX/XXXX got disputed but it's a mistake its XXXX XXXX  I just noticed they sent me an email saying by XX/XX/XXXX my account is being canceled. They will not tell me why but nit in accordance with user agreement. Yet 3 weeks ago I'm a XXXX XXXX customer. I really wasn't complain about the disputes yes I want the XXXX and the XXXX back. But also that XXXX banking or plaid might be causing glitches I had XXXX and XXXX apps bug can't access my bank so whatever the reason they owe me money are being duscrunatory and canceling my account and no reason they won't tell me should be unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  XXXX, XXXX XXXX/XXXX XXXX, and Discover Financial. The Account Opened is XXXX XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

I sent a certified letter for verification, and it was sent back to me as insufficient address.
Product: Vehicle loan or lease

Myself and a co-borrower ( fianc at time ) financed a vehicle through XXXX. At the time of the purchase I was the co borrower on the acct. I refinanced the car through capital one and all was well, or so I thought. A couple weeks after the refinance, Capital one rejected paperwork related to the title stating it was submitted incorrectly. I tried submitting multiple times after and each time it was rejected. The co-borrower and I are no longer together, and he is now unwilling to sign any more documentation. He has had the vehicle in his possession for the last XXXX months and is unwilling to return it to me. Ive reached out to the police and my local DMV and neither were helpful. According to the DMV he is still on the title/registration as an owner and it shows XXXX XXXX as the lien holder. So legally they cant take the car from his possession. 

I cant afford to pay for a vehicle I dont have nor using, and have been forced to find other means of transportation. Ive tried reaching a resolution multiple times with Capital one to no avail. Capital One stated because I dont have the vehicle, and there are issues with the title paperwork, I am unable to voluntarily surrender the car. They also stated that the title issues would prevent them from being able to fully reposes the vehicle. The car payment is now months behind and my credit is being severely affected. They are demanding me to pay for a vehicle I dont have full ownership to. I feel capital one made a mistake and are making me pay for it. Im stuck with a {$25000.00} bill for a vehicle I dont have and doesnt fully belong to me. I would never agree to these terms and would not have gone into business capital one had I have known. I feel they are very deceptive and unwilling to take accountability.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card or prepaid card

Best Buy was notified of a charge of {$7200.00} that was not to be on the card. In addition they had had charges from XXXX that should have been placed under contest and now credited as the company has admitted that they have been issued for refund. The credit card shows that have not valid and have t=saye not taken action for over 10 days. I get a call from a number in Florida that doesn't appear to be Citibank. I call back to get this resolved and still no results. The Best Buy Card has not resolved the charge amount provided provisional credit but rather leave the large charge against my credit report. The company has said it would be handled and not show and my credit would be available. Well it is not and it continues to be an open issue. The customer service is the worst as they hang up and do not follow through with their promises. I have spent over 3 hours on the phone and the charges from XXXX remain even though all of the items are returned and should show a refund and the XXXX charge does as well. They now are changing their position to get this resolved stating that this can take up to 45 days! This absolutely ridiculous if it is a charge that is fraudulent as it didn't go through and not mine. I find their business practices to be absurd and
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a series of inquiries and false additions to my credit report. Companies such as XXXX  ( now showing as XXXX XXXX XXXX ), XXXX ( now showing as XXXX XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX are showing as recent collections. I notfied Transunion that there is an error as XXXX XXXX was removed from XXXX, and XXXX I believe it was fraud but have no proof I have been asking them to send me a bill which they never do Transunion is the only agency refusing to remove it. XXXX is only reported as a collection account on Transunion they are now going as XXXX XXXX and will not provide a bill of the paid or owed account. Furthermore Transunion has been allowing XXXX XXXX XXXX to aceess my account I called XXXX and since I have no account with them they can not stop it, I also called Transunion who also says I have no account allowing for that. However when you pull my report my credit is actually pulled up to 5 times per month fraudulently by them with no account I can access. I also believe this is why all of the fraud is happening on my credit and why Transunion reporting is so much different from XXXX  and XXXX  as much a XXXX points on my credit last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked My credit report noticed the following accounts are still open, these accounts have been paid off and should be closed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requesting verification to these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that I didn't not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I wired funds on XX/XX/2021 From my Bank of America account and on XX/XX/2021 I recalled the wire transfer as it went to an account that was closed at XXXX XXXX. XXXX I guess will not respond to BofA and I can not get my {$2000.00} back
Product: Credit card or prepaid card

On XX/XX/2023, I was ran a hard inquiry on a credit card application when I asked for a reconsideration. The Chase customer service informed me that reconsiderations require a new credit inquiry. I was later informed that a reconsideration does not require a new credit inquiry. I informed the customer service representative of the misinformation and they informed me that they can not do anything about it since the credit was ran. The customer service was poor and was reluctant to work with me. Such misinformation and improper hard inquiry pulls are not right and should be taken seriously by regulators for big banks.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX$180.00} XXXX  Collection agency : Finance system of rich
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX & Experian for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i. Despite my repeated efforts to dispute inaccurate information on my credit report, Experian has neglected their legal obligation to investigate and correct these errors promptly, causing significant harm to my financial well-being. 

XXXX XXXX XXXX XXXX XXXX : Experian Report Number : XXXXXXXX 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 : Unauthorized charges were made on this account without my consent. Despite having notified Experian, these fraudulent charges remain on my report. Attached are copies of correspondence and documentation supporting my claim. Experians refusal to investigate this matter is a clear violation of FCRA 15 U.S.C. 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This bankruptcy entry is completely false. I have never filed for bankruptcy, and the court has confirmed that they do not report to credit bureaus. Documentation verifying this is attached. Despite my clear evidence, Experian has failed to remove this inaccurate entry, which is a direct breach of their obligations under federal law. 
XXXX and Experians Violation of FCRA XXXX and Experians failure to correct these inaccuracies demonstrates a blatant disregard for the consumer protection laws outlined under the FCRA. By refusing to adequately investigate or remove these fraudulent and incorrect entries, Experian is causing undue harm and damaging my creditworthiness. This negligence is not only financially burdensome but also constitutes a violation of my rights. 

Action Requested I am requesting that the CFPB : Conduct an immediate investigation into Experians failure to comply with their obligations under the FCRA. 

Compel Experian to correct or remove the disputed items from my credit report immediately. 

Impose appropriate penalties on Experian for their ongoing failure to maintain accurate credit reports as required by law. 
Provide me with a full report of the findings and any actions taken against Experian. 
I have attached all relevant documentation, including copies of my dispute letters, correspondence with XXXX and Experian, and evidence supporting my claims. 

Conclusion XXXX and Experians refusal to adhere to federal laws protecting consumers from inaccurate credit reporting is unacceptable. I seek your assistance in holding Experian accountable and ensuring that my credit report reflects only accurate and truthful information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$14000.00} This account has resulted in several 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 account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is 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 account is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Lucky auto is a scam I did not get XXXX cents and a job gets me a car I had to pay down payment of XXXX  dollars first fraud they did second I have now purchased two vehicles from this lot the first they reported 5 ontime payments I have been paying ontime for now two separate purchases and the closed the account when I got on XXXX XXXX without updating almost 4 years worth of on time payments and also don't know the balance owed on credit. I need my credit I need them to report they are known to scam people if you can't help I may need to get a lawyer because they are taking advantage of people with bad credit! They lock you into a used car that is 3 to 4x as much as the car value so yeah please help!
Product: Mortgage

My mother in law ( XXXX ) and me had purchased one condo each in XXXX, IL in XX/XX/XXXX. Financed through XXXX XXXX XXXX.They had a loan officer with a desk in the condo sales office. We financed through National City because we felt they did the due diligence research before offering loans for this condo development. It is highly unlikely the loan officer did not know fraud was taking place. He was in the office throughout the sales pitch and he was present at our escrow closing.
Due to Developer committing mortgage fraud, many buyers were foreclosed on and prices plummeted causing losses for us in excess of $ XXXX each. My mother in law is attempting to short sale her unit. 

I have attached the Federal Government charging the Developer and 5 of his accomplice in XX/XX/XXXX with 30 counts of fraud, making false claims and promising unsustainable incentives. One of the accomplice has pleaded guilt ( attached ) to lying to banks and mortgage companies about over 50 % of the units were sold to assure they would offer loans. We should have never been approved for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$420.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have learned that LVNV has listed two erroneous accounts on my credit reports. The amount for each tradeline is almost identical to the penny. These are not my accounts. They weren't my accounts. They also show as OPEN collection accounts in violation of the Fair Debt Collection Practices Act and the California Rosenthal Act. I've disputed them directly with LVNV who has refused to validate either account. I have disputed with the major CRA 's, but LVNV has " verified '' the information with the CRA but fails to delete tradeline.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit profile and noticed some inquiries that do not belong to me. 

XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Student loan

For over two years I have been trying to set up arrangements for my student loans with Navient. Representatives hang up on me and put me on hold and if I dont hang up they do. They are reporting as defaulted/ charge off but they not assist me in anyway. No payments were made when it came out of deferred status because I can never get any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX XXXX {$400.00} XXXX/XXXX XXXX {$640.00} DPT EDXXXX XXXX {$7300.00} DPT EDXXXX XXXX {$3500.00} DPT EDXXXX XXXX {$3400.00} DPTED /XXXX XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security leak resulted in my personal information being compromised including SS number, addresses, relatives, cell number, etc.
Product: Mortgage

I am working with Mortgage company Ditech. A year ago their website stopped working to make online payments. I tried to pay using different, computers, browser engines and I kept getting the same message " UNABLE TO LOCATE ACCOUNT ) on XX/XX/XXXX I called the company and I got no help their only solution was for me to use a different bank to make online payments, that did not work either in XX/XX/XXXX I continued trying to see if there was any fix on the website and I still had the same problem. I called again and their answer was, It is not on our end is on your end do the payments in any other way. I have been paying late fees {$48.00} because every time I use other methods the payment does not arrive on time. I Called on XX/XX/XXXX and the customer service representative did not offer any solutions other than tell me to email customer service, which I have done in the past and no one ever answer the emails or offer any solutions. I am really frustrated and disappointed with this mortgage company. I am paying late fees because of a mistake on their end. The customer service person XXXX told me that they don't have an IT department, so I question if when I enter my bank account my privacy is being protected, if the can't fix this glitch are the accounts Ditech mortgage owners secure from hackers? Why do they advertise make payments online, when that feature does not work? Is this a scam to make mortgage owners pay late fees? 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of the XXXX breach, I am trying to place a freeze on all credit reports. 
Experian is making this impossible. 
I have tried to access the website/link to do this on their website, but they took the link down. I also tried to call the company, but they are saying there is excessive wait times and I can not reach a person. 
Instead of allowing me to place a freeze on my credit report, they are offering me paid " alert '' services at prices of $ XXXX {$20.00} per month. 
They are trying to take advantage of the situation, and are doing something illegal by not allowing me to place a freeze on my credit report.
Product: Debt collection

On XX/XX/XXXX Jefferson Capital systems contacted me via email trying to collect on a debt that is over the statue of limitations. Something that's at least 12 years old they said I have 30 days to dispute the debt or it will be on my credit it's for {$910.00}. I have received a total of 3 emails since XX/XX/XXXX on this same debt. They admitted that due to the age of the debt they can't sue me but they threatened to put it back on my credit report