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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX  XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXXXXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I had an auto loan with Chrysler Capital. On XX/XX/XXXX, there was an auto accident, and my insurance company deemed the car a total loss. XXXX has given me documentation that a check for {$24000.00} was paid to Chrysler Capital on XX/XX/XXXX, and the check cleared on XX/XX/XXXX. As of XX/XX/XXXX, Chrysler shows an account balance of {$23000.00} and a past-due payment of {$510.00}. Chrysler assessed a late fee of {$18.00} on XX/XX/XXXX. I called Chrysler Capital on XX/XX/XXXX and spoke to XXXX, ID # XXXX. I explained that Chrysler received the payoff on XX/XX/XXXX, and the check was cleared on XX/XX/XXXX. He confirmed that he sees that XXXX made the payment through the portal, but it takes time for it to post to the account. I asked him whether the late fee would be reversed, and he said no. He said it is my obligation to make payment until XXXX 's payment is posted to the account. I strongly disagree as the payment should have been posted to the account within a day or XXXX after it was received. Not only am I being charged late fees after the loan was paid in full, but I'm unable to purchase a new vehicle until I can show the loan paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the following unauthorized inquiries on my credit reports. I have been the victim of identity theft. Please investigate and remove the following items : 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

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DPT ED/XXXX
Product: Credit reporting or other personal consumer reports

XXXX CREDIT FOR A PLACE I NEVER HEARD OF IN MY LIFE. THIS IS HORRIBLE THAT MY LIFE IS RUINED DUE TO SOMEONE ELSE 'S USE OF MY INFORMATION.PLEASE FIX THIS IMMEDIATELY OR I WILL SEEK FURTHER ACTION. 
XXXX XXXX {$83.00} XXXX XXXX {$0.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX Original XXXX : XXXXXXXX XXXXXXXX XXXX XXXX ) XXXX {$1100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$580.00} INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2018 my vehicle was repossessed. I was confused as to why it was taken seeing as we had already sent the payment to them to try and stay current with the bill. We called and as it turns out the payment we had sent didn't go through because of a typo on the routing number we never received a call a notification email a letter ... Nothing saying our payment didn't go through. When we told USAA this the person on the phone could clearly care less and told we would have to pay the ban XXXX in order to get back into the vehicle plus the repo and storage fees. After hearing that I agreed we would've been more proactive in making sure the payment have gone through and told her we didn't have the money that instant but would come up with it Ina few days but I'd like to still talk to a supervisor to make sure there's absolutely nothing they can do to help us we were told there was no supervisor there to talk to us and that we would be put on a call back list. I agreed well the second of XX/XX/XXXX rolls around and still no call back. So i call again this morning having got the money together and decided robust make the payment they wanted. Well apparently that's not good enough for them anymore and now they want the loan payed in full. Now they are just playing games had I had the amount a few days ago i would've been back in my vehicle that day how things change so drastically by just a few days it's ridiculos. So again I ask to speak to a supervisor I'm told there's not one available to transfer me to because there's an issue with the phones I ask if I can just stay in hold until they figure it I'm told no because she has other members to help and I need to wait for a call back i ask if he supervisor could just walk over and use her phone again I'm told I need to wait for a call back. So I agree and they hang up. A few hours later I figure what the heck maybe they fixed the issue I'll try again. So I call back again I'm told there's no supervisor available that they've been in a meeting all morning and that's why their not accepting calls ( apparently the whole phones not working story was XXXX ) but at least she was kind of to hear me out and listen to what happend and told me she'd email the supervisor directly and ask him to call me as soon as possible. Well all this waiting would be fine and dandy if I was accruing more and more storage fees the longer my vehicle stays at the lot. And If I wasn't told something different every time I call. They will not give me an extension to their supervisor not any other number to any of the higher level management they reside to give me the contact info to anyone nor do they have it on their website
Product: Debt collection

On XX/XX/2018, Convergent Outsourcing Collection Agency reported a debt of {$190.00} from my original creditor XXXX. 

Once I became aware of it, I immediately contacted XXXX to resolve the issue. According to XXXX REP, there are no current past due balances on my account. Nor do I owe {$190.00}, as confirmed with the representative I spoke to. 

I have strong reason to believe that this account is FRAUDULENT.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on XXXX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I have had my vehicle loan with TD bank for 4 years and never have missed a payment 1 time, in fact my credit score is over 800 and Ive never missed a payment or had a late payment in my life. 

I sent a message to Td Bank stating that unfortunately I had got sick with XXXX XXXX and that they could see this is not something that normally happens as Ive never missed a payment ever before on any car or credit card. 

Im in the Home buying process and this 1 late payment is now causing issues with my home loan. 

Ill never miss another payment again this was something that was completely out of my control and Im hoping that we can get this one late payment removed from the credit bureau/s fast. 

Thanks in advance
Product: Debt collection

On XX/XX/2018, I was contacted via my cell phone and then my home phone by a restricted number. Since our credit cards had been compromised in the past and my number came up with the XXXX data breech, I do not answer the phone for those types of numbers. The person started to leave a message stating they were investigator XXXX from XXXX XXXXXXXX XXXX XXXX XXXX and I was going to be served in a matter of days unless I called XXXX and worked it out with them and then they could issue a stand-down order. I proceeded to call the phone number and talk to a woman who was genuinely sweet and we worked out a payment plan for a payday loan I am not even use I took out over 10 years ago. They threaten me with court if I did not get this worked out. They did not use the name I had 10 years ago, but rather my current married name. They did have my ss #, which is why the fear was instilled. I agreed to try this payment plan but I did want to have proof of debt sent to me and what was owed before I moved forward. A day or so later, I received a very generic email from XXXX, XXXX XXXX  XXXX ( no name on the document other than mine, no signature from an attorney, paralegal or even office assistant ) so I began to investigate the company and the red fraud/scam flags went up. There is no law office in NY with that name, there is one in Indiana and they have no idea what I was talking about. We contacted the building manager of the building in New York and the company has NEVER been a tenant there. I received another call today from investigator XXXX and he said he would be at my home on Wednesday to serve me and would I be home between XXXX and XXXX. So they scariest part is, my husband will be at work and they have my address. So I called the company back to try and resolve this, because if I owe a debt I will pay it back, no problem. The new person I talked with was XXXX, she was the " attorney 's assistant ''. I was not allowed to speak to the attorney, she did not have to provide me with any documentation than they already had ( which all I was asking for was proof of debt owed ). I looked up my 3 credit reports and there was nothing on there about an outstanding debt or collection. They calm this is from XXXX and it was sold to their company, but they do not have any other information because it went through many other credit collections first. Yet, XXXX was very ugly to me and said NASTY things. I did raise my voice and talk over her, I will admit that, because this is stressful and I am blown away at the lengths people will go to for a scam. If this is true, why don't they have a real address, why can they not mail me something in writing explaining and giving proof of what I owe, why is there no paralegal that works there, why is an acceptable method of payment a prepaid card? SO many why. I just really want the harassment at home to stop and the treats of being served by someone who now has my address. I have a family and am very scared. They also go by XXXX XXXX XXXX  XXXX, Wilson , Riley & Associates LLC and XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the investigation request that I sent to XXXX and Trans Union on XX/XX/XXXX of 2018. They were supposed to respond within 30 days, but they have not. I have tried multiple times to follow-up in regards to my investigation results, but the follow-ups have also been ignored.
Product: Credit card

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and theXX/XX/XXXXData breach, my personal information has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB to request to you to remove the late payments on the account 's payment history. I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. Please correct the account : TransUnion : XXXX XXXX XXXX XXXX XXXX : {$8300.00}
Product: Credit card

We believe CitiCards dispute process is ineffective, unprofessional and generally a sham. Attached is a letter we sent Citicard regarding our dispute with a charge for a tour that was canceled by the merchant but not refunded. It outlines the dates, all the time, documentation and responses from CitiCard dispute. In response to our letter, we received a telephone call by a staff person from the office of the XXXX of CitiCard informing us that they would not reopen our case. We stated we did not believe we were treated fairly and repeated our frustration with Citicards dispute process and the inept staff responses we received, except for supervisors who agreed our case deserved more detailed review and were apparently ineffective in doing anything about it. 

We request the Better Business Bureau undertake an oversight review of CitiCards dispute process that includes an investigation of what went wrong in our case. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : 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: Debt collection

I have been contacted by mail by TRS Recovery Services alleging that I owe for purchases made at Home Depot. 
XX/XX/XXXX XXXX, MN XXXX XXXX for {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXX for {$530.00} XX/XX/XXXX XXXX XXXX, MN XXXX XXXX for {$1200.00} All alleged to be in the form of a check ( s ) converted to electronic funds transfer by the merchant with authorization. Whatever that means. I called XXXX XXXX corporate and they have no record of myself writing a check, having a XXXX XXXX credit card, having any large purchases or outstanding debt ( s ) with them in any form. Calling TRS Recovery Services just leads you to voice prompts that divert you to their website where, to dispute a debt, you must provide your Driver License #, Social Security #, address, bank acount # and routing #. I then made a police report - # XXXX with XXXX Police Dept., I have also filed a consumer complaint and action form with MN attorney generals ' office. Furthermore an internet search reveals multiple accounts of false debt collection attempts by TRS Recovery Services in the guise of purchases made at XXXX XXXX and many other businesses - submitted by normal consumers like myself.
Product: Credit card or prepaid card

ON XX/XX/2023 A CHARGE OF {$1500.00} WAS PLACED ON MY BANK OF AMERICA CREDIT CARD BY XXXX XXXXXXXX XXXX, {$150.00} WAS RETURNED BUT THE XXXX XXXX WAS NEVER GIVEN TO ME, THE PERSON IS XXXX XXXX HER PHONE NUMBER IS XXXX XXXX, HER ADDRESS IS XXXX XXXX XXXX XXXX XXXX GA XXXX, I HAVE TEXT XXXX XXXX 7 TIMES AND SHE HAS NOT RESPONDED, PREVIOSLY SHE TEXT ME THAT SHE KNEW OF THE MIISTAKE AND WOULD REFUND MY MONEY, NOW ITS 60 DAYS AND NO RETURN MONEY, HER XXXX  IS XXXX, I BELIEVE SHE HAS DONE THIS TO MANY UNSUSPECTING CUSTOMERS, CAN YOU HELP RESOLVE THIS ISSUE.
Product: Credit reporting or other personal consumer reports

I am promised accuracy on my consumer reports based on Federal laws and there are more than 42 errors also collections & charge offs. Company in question is ( TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have disputed these items multiple times because of these errors its affecting my ability to obtain more and new credit because of damaging low credit scores which is insane because I am aware of my status of unlimited credit living as a private citizen and also status of a XXXX XXXX out all jurisdiction without prejudice. Below is a list of laws supporting my claims pertaining towards collections, charge off, privacy, misleading information, unauthorized permission, and many more All companies on my consumer reports are in violation of all these laws ( 15.USC1681 ) ( 15.USC1681B ) ( 15.USC1681C2 ) ( 15.USC1681S2 ) ( 18.USC-8 ) ( 15.USC1681B2 ) ( 15.USC1681-4 ) ( 15.USC1681EB ) ( 15.USC1611 ) ( 15.USC1681SA\B ) ( 15.USC-SA1-5 ) ( 15.USC1681/602A/604 ) There are so many Violations I can keep going just by looking at all these accounts. I'm going to attach copies of the many letters I sent out to the companies.
Product: Mortgage

SN Servicing has been mailing all of my mortgage billing statements to my ex-husband 's address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  instead of the property address where I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have called them and sent them a copy of my divorce decree and they still have not fixed this issue. My ex-husband throws all the statements away. I have tried to log into my online account and my access is denied due to me being behind on my mortgage. When I call for them send me my mortgage billing statements they email me a link to my online account which my access is denied due to me being behind on my mortgage. I called on XX/XX/2023 and was told that they would fix the mailing issue and mail me a third party authorization for my housing counselor, but this never occurred. Again I called them on XX/XX/XXXX and spoke to a XXXX who was rude and spoke over me so that I could not get my questions answered. She stated that I could not have access to my online account as I am behind on my mortgage, she did email me a recent statement and a third party authorization, but told me in the email that the reason I was not receiving mortgage billing statements was due to me signing up for online statements, which again my access was denied to my online account due to being behind on my mortgage. She put us in a que to speak to another person and we ended up with a man who transferred us into another que to get assistance to log into my online account that I do not have access to due to being behind on my mortgage. I fear this will place me in foreclosure as I am trying to work this out, but how can I if I do not have access to my account either by mail or online and when calling the servicer they are rude and not helpful, just accusatory as I am behind on my mortgage.