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

I am very frustrated at this time, my concern was not properly handled by the XXXX credit bureaus - Equifax, XXXX, XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting laws and requisite standards. The accounts XXXX  XXXX BANK, XXXX XXXX BANK, XXXX XXXX XXXX history were not correct and is not a charge off. I PAID THE ACCOUNTS AND WERE SATISFIED AS AGREED. Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Product: Credit card

My credit card was charged without my authorization during a 7-day trial of the XXXX  XXXX XXXX subscription. Below are the key details : The trial period was from XX/XX/2024, to XX/XX/2024. 
I canceled the subscription on XX/XX/2024, following XXXX XXXX guidelines. 
Despite canceling the service before the trial period ended, my credit card was charged without my consent for {$490.00} on XX/XX/2024. 
XXXX  XXXX acknowledged the issue by offering an in-store credit ; however, I requested a full refund to my credit card. They refused to issue a refund. 
On XX/XX/2024, I disputed this charge with Capital One. I was asked to provide additional documents on XX/XX/2024. A few hours after submitting the requested documents, my dispute was rejected without a clear explanation. I called Capital One customer service for clarification. Their response was inconsistent and incoherent ; finally, the representative stated that their hands were tied. 
I followed XXXX  XXXX 's guidelines and clearly showed my intent to cancel the subscription within the trial period, yet my card was charged without my consent. I consider this to be fraudulent activity. I have taken all reasonable steps to resolve this issue with both XXXX XXXX and Capital One, but they did not provide an appropriate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  the following accounts XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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
Product: Checking or savings account

I am a XXXX XXXX XXXX man, dual XXXX who has banked with XXXX XXXX XXXX XXXX XXXX now Bank of Montreal XXXX XXXX ) for years, with no problems. In order of dates, here 's the problem ; XXXX XXXX, 2024 : I left XXXX XXXX and stopped at XXXX XXXX to exchange currency. I made sure to update all of my contact info directly with staff there. Some of it is still coming up wrong and has to be corrected online, >XXXX. XXXX : On a call to XXXX staff about a transaction, they couldn't verify my I.D . though I have voice and fingerprint i.d . on my phone. They turned me over to someone in customer service who grilled me for 10 minutes, while asking me complicated bank date and amount timed questions which I had to look up in my records... then hung up on me. 
XXXX : Denied payment of {$90.00}. XXXX from my debit card to XXXX XXXX making it outstanding/overdue. Also delayed other payments causing much time and problems. 
>XXXX. XXXX : BMO delayed an online in branch credit card payment from my checking account, then charged me late fees and transfer fees of about {$35.00}. US trying to pay them! 
>XXXX. XXXX : I found out from my XXXX XXXX  that BMO XXXX has put out false and negative credit report info about me, and trying to ruin my credit. I will have to spend more time and effort to correct this now! All for what? I did nothing but try to do normal banking!!
Product: Money transfer, virtual currency, or money service

I signed into my account. They said they wanted to send a text message to the phone number XXXX after XX/XX/23 i am no longer the owner of this phone number. I attempted to gain access to the account through my passport. I sent them a picture of my face, and a photo of my passport. They sent some automated message saying they were unable to verify me. Any other avenue of contacting them was met with a prompt to sign in, which is impossible at this point. They are making it impossible for me to access the account in an attempt to defraud me from the thousands of dollars in the account.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2023 to XXXX, XXXX, and Equifax the following through XXXX XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S Code 1681a- Definitions ; rules of construction.

The term " investigative consumer reports '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom she/ he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they spoke with and how did they conduct the investigation.
Product: Debt collection

A while back I was a co signer for my daughter as well as a person they could call on a second account for her. The account I was a co signer on as been paid off and her original account I was just a person they could call if they couldn't get ahold of her. Since then she filled bankruptcy on her account, but now the company has placed my name on the account with her address and are trying to sue. I have never lived at her address, nor been a co signer for that account. All of this is with CareCredit/XXXX XXXX
Product: Credit reporting or other personal consumer reports

improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked for proof and no response here is my tracking number of my certefied mail that i sent and they received on XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have notified the credit bureaus on several occasions. I have submitted my supporting documentation over 30 days ago. The credit bureaus have failed to provide me with proof that these accounts are mine and I have notified authorities of this. I requested an investigation to verify the debt and they have failed to do so. This information needs to be removed immediately.
Product: Checking or savings account

My checking account starting XX/XX/21 to today.went into over draft status ... ocean first bank manipulates their system to over draft my account..this is the third time..and I noticed its when the government sends out stimulus money ... I'm confused how I over drafted..and really confused how they charged me over 12 {$38.00} fees ... The bank says I wasn't in the negative until XXXX but it started XXXX I watched the app on my end start to be manipulated..So its hard to give exact dates and transactions..I get paid direct deposit and they rejected my deposit {$100.00} on XX/XX/XXXX and also on the XXXX of XXXX for {$68.00} both from XXXX. This has happened a few other times and I had to just pay it to stop the snow ball affect your account being in the negative causes ... Ocean bank this time has costed me {$600.00} as of today... please help me get through to ocean first bank
Product: Mortgage

We were trying for a year and a half to have the Lender and the investor to review our short sale request. We submit and offer that is Fair Market price but this Lender and special a woman by the name XXXX XXXX  from XXXX XXXX was doing everything in her power to delay the process despite of our daily inquires. We had to file for Bk twice already in order to postpone the upending foreclosure. We were denied by this woman to know the name of the actual investor of the mortgage loan. And when we called XXXX  we were entangled in the lender 's net with no one there to answer our questions.

The Deed of Trust we signed when we purchase the property allows to apply for a loss mitigation and XXXX XXXX is denying this right. XXXX  is a subcontractor, just the servicer of the loan only, not the actual lender itself.

We need the Investor to see our short sale offer and make a decision.
Product: Credit card or prepaid card

I paid my Bloomingdale 's card off on XX/XX/XXXX, in which reflected the current full balance. After the balance was paid, Bloomingdales issue an interest fee. Unbeknownst to me, in XXXX I find out the email saying I have a negative mark on my credit score. I contact Bloomindales to inquire and was told the account in overdue for interest plus late Bloomingdales agreed I should not have been charge the interest fee and late fee because the account was actually paid off was waived the late fee and interest payment. However, they did not contact the credit bureau to remove the deliquency from my report.
Product: Student loan

I was previously defaulted by the XXXX XXXX XXXXXXXX for my last attended semester in XXXX  of XXXX. I dropped out of said university and enlisted in the military 2 years later. I have recently been honorably discharged from the XXXX and would like to return to school using my GI Bill benefits, but I am unable to due to my transcripts being withheld by the XXXX  XXXX XXXX. If possible, it would be greatly appreciated to reduce the amount I owe monthly, currently it stands at about {$2000.00} a month which is a large amount that seems unfair.
Product: Credit reporting or other personal consumer reports

XXXX has reported a 30 day XX/XX/year> late payment. To date, I have received no response or removal with the three credit reporting agencies. These agencies are Equifax, XXXX. and XXXX.
Product: Credit card

I applied for a credit card and received a letter asking for more information from their " security department. '' I sent in the requested documentation and have proof of receipt 10 days later. The company failed to contact me again about the status of my application. I called to inquire and was told they would have to run another credit report in order to approve my application because it was beyond 30 days since my initial application.
Product: Debt collection

Wakefield Associates has sent multiple letters saying we owe a debt to XXXX XXXX. We have never heard of either company. When i requested more information about the original creditor, all that was returned was a po box number, no information on what or who was owed. I do not want this to harm my otherwise excellent credit and am trying to verify if it is a scam.
Product: Debt collection

XXXX is trying to collect a debt from me from XX/XX/XXXX that my exhusband opened. Our divorce wasnt finalized until XX/XX/XXXX but we were separated from XX/XX/XXXX until our divorce was finalized in XXXX. I did not open this account and did not have any knowledge of it until it showed up on my credit report. I have disputed it a couple times with no resolve. Again, this is not an account I opened and/or used.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Vehicle loan or lease

I bought a car two years from Auto Connection in XXXX, Va two months after purchase the engine seized up in the car.. this was XX/XX/XXXX.. I was told I had a warranty on the car come to find out this was not the case XXXX later I get my car back. All through XX/XX/XXXX I had numerous problems with the car, In XX/XX/XXXX I contacted them again about the engine ... because they put a used engine in the car, I told them the engine was getting ready to go again, I was told to drive it over 70 miles from my house to the dealership I told them it would seize up.. in doin so the engine locked up. For 5 mths I have paid on a car that has not ran, once again I contacted them, once at my expense I got it to the dealership I was told it needed various things, then I was told to go to the dealership and look for another car they would take mine on trade, when I arrive at the dealership my car has MORE damage then when it left, keep in MIND MY Finance COMPANY MICHAEL WAYNE advised me to go.. : short and long I offered a settlement amount on car and was denied because there is XXXX damages done to my car I owe XXXX loan is current and my option is to pay on a NON running car or I have to get another LOAN from them to make the current one go away ... I feel as if I 'm being held hostage OH, I failed to mention they offered for me to FINANCE the damages done to my car when originally I was told if the car was paid to a certain amount the loan could be wiped clean ... Let, me add XXXX is the one who told me to DRIVE the car after I said it was NOT drivable and he said it was goin to need an engine, he is also the ONE who said if the loan got down to XXXX the rest could be wiped cleaned, I hold XXXX responsible for this mess he has played XXXX thru this whole mess, several people have tried to clean up his mess and I 'm grateful for them ... but Michael Wayne is NOT looking at their liability in this mess in my opinion
Product: Credit reporting

My name is XXXX XXXX and I am a victim of ID Theft and I need to dispute the last copy of my credit report that your company published, after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below, please send me copies of the documents that you have in YOUR files as of this date, what you used to verify the accuracy of the accounts listed below. Under the FCRA, 15 U.S.C Section 1681g, I have the right to demand that you disclose to me all documents that you have recorded and retained in your file at the time of this request concerning accounts that have been verified? Please send me copies of the documents you have in your files to verify accuracy and please do not respond to my request by saying that these accounts have been verified, # XXXX ..., # XXXX, # XXXX, # XXXX and # XXXX. Please also investigate all inquiries and I am asking for them to be removed and my credit score adjusted. My previous addresses, if you need my previous police report can be faxed upon request. Please under Section 611 ( a ) ( 5 ) ( A ) ( I ) by publishing these inaccurate and unverified items on my credit report and distributing them to third parties you are damaging my reputation and credit worthiness.
Product: Debt collection

Cooper, Hoffman, Klein and Associates contacts me multiple times a day leaving threatening voicemails regarding debts and bank accounts I have never had and do not owe on. Every call that is made, a different case number is given. When I contacted the company, I was threatened with legal action and prison if I did not pay although the representative threatening me can not supply any evidence of a debt owed. When asked for address to come to the company to discuss, I am given the run around. Representatives of this company have contacted me falsifying themselves as actual XXXX XXXX Process Servers stating that they are employed by the XXXX XXXX Police Department. Each time this company calls, it is under a different phone number with a different representative, with a different case number regarding a variance of criminal offenses that I have not committed. This company has threatened to garnish my wages, sue me, come to my home, and have me sent to prison. All searches for this company only show as being a fraudulent company attempting to squander money from innocent people where it is not due. Cooper, Hoffman, Klein, and Associates do not have a website. They are not affiliated with XXXX. They are a complete scam and do not stop harassment at any cost.
Product: Payday loan, title loan, or personal loan

Just prior to the pandemic, Netcredit created a loan for me in the amount of {$4000.00} at XXXX percent interest which is illegal in the state of Florida for them to do so. The company has been sued for several issues, and they have damaged my credit report for years because I refuse to pay a percentage which is not legal for them to charge.
Product: Debt collection

XXXX I received and email saying " After sending you the several Emails, We have not received any response from your side ; it seems you are clearly avoiding this legal matter. 
This is the final notification from our side to let you know that your case will be filed by next week. 
Kindly get back to our manager XXXX XXXX ( XXXX ) and let us know if you want to settle this case out of court '' I responding asking for proper documentation because this does not sound like its my debt. Instead of them sending me documentation they keep threatening to sue. 

they also gave me this explanation of who they are : " XXXX XXXX XXXX is a parental Payday loan company which owns and operates on more than 350 payday loan websites like XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX etc. We are talking about the loan amount of {$300.00} that you took from the company
Product: Debt collection

XXXX  # XXXX I am not liable for this debt. 
This is phantom debt. 

The original creditor isn't claiming it. 

I have received no response from XXXX.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Balance {$7400.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Balance {$3300.00} Date opened XX/XX/XXXX Account name XXXX Account number XXXX {$2300.00} Date opened XX/XX/XXXX Account name XXXX XXXX  XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Balance {$1100.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Balance {$9600.00} Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Balance {$76000.00} Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Balance {$9900.00} Date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX Balance {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax states that my XXXX account is reporting accurately. Their own website and credit report shows conflicting information. XXXX is showing no late payments at all. Equifax is showing ( XXXX ) 30 day lates, ( XXXX ) 60 day late. XXXX another part of the report it shows ( XXXX ) 30 day late, ( XXXX ) 60 day late and ( XXXX ) 90 day late. This is from the website. The paper report I received XXXX states a code ( XXXX ) that reflects no more than XXXX days late, but the report shows a 90 day late. Also my payment is {$390.00} per month not a scheduled {$400.00} per month. This is inaccurate. I plan to file another small claims lawsuit against Equifax for the errors. I'm attempting to refinance my property and the errors are causing a problem with moving forward. I plan to file another small claims lawsuit. My previous suit was filed in XXXX XXXX and settled in XXXX XXXX.
Product: Credit card or prepaid card

XXXX XXXX closed my XXXX XXXX card without my knowledge or my approval. I have had that card for nearly 2 years, have always made payments on time and never carried a balance on it unless using its special promotional financing option.

I went to make an XXXX  purchase and find that the store card was declined. I signed into the account only to find a red bar across the top of the webpage stating the account was closed. I contacted the Customer Service department and all they could tell me was Synchrony decided to close the account due to my credit report. No other explanation or elaboration was given.

Both XXXX   and XXXX scores are over 669, my credit utilization is around 1 %, no derogatory remarks and no hard/soft inquiries. I have contacted XXXX XXXX. about the matter as well. However, since it is still legal for credit vendors to pull credit lines at will, at random and not require notification, I doubt they can do anything about it.