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

I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Mortgage

Recently I purchased a property and locked the loan through PNC Bank XXXX XXXX, XXXX XXXX ( Mortgage Loan Officer ) - NMLS ID : XXXX. I quoted the loan with XXXX XXXX on XX/XX/2018 and he promised it can be closed on XX/XX/XXXX. I thought it is perfect timing because my lease ending date is XX/XX/2018. However, it is a mistake to decide to work with XXXX and XXXX. Their irresponsible promise and carelessness service made me into very stressful situation and caused me a loss of {$960.00}. 

Starting XX/XX/XXXX I begin to submit materials requested. The loan processor I worked with is XXXX XXXX, NMLS # XXXX. For any materials he requested, I submitted to him promptly. He promised the close date is XX/XX/2018 until XX/XX/2018, he told me because the confirmation of my XXXX status, he could only submit he project review on XX/XX/2018 and my loan would be delayed to be closed on XX/XX/2018. 

At that time, I already give notice to the landlord which means I must move into the property on XX/XX/2018. 

However, I trusted him I can still move into the property though it is inconvenient to me. In addition, my parents is visiting me from XXXX and we planned to be on vacations during holidays. 

After that, he kept on telling me everything is on track and we would be close on time until XX/XX/XXXX, he disappeared. He responded the next day and told me the bank wouldnt close the loan and the bank would not be responsible for any expense of hotel. He kept on lying to me he could cancel the loan or the loan would be close on this date and that date. 

Because his dereliction of duty, I have to pay {$120.00} a day to live in hotel for a total of {$960.00}. 

The delay ruined my entire holiday plan. I canceled the trips to south California because the loan wouldnt be closed. I would not go with PNC if they have told me the timeline in the first place. I think the whole practice is against UDAAP. 

Besides, XXXX promised to provide the project review copy but he did not. He again lied to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureau/Agency ( XXXX  ) and the Creditor ( Bank of America ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit card

I had XXXX credit cards with Chase Bank that they closed. The credit cards are in good standing Chase closed them for some fraudulent reason, but that is n't the problem I have, I do n't care that Chase closed the accounts, what I do care about is that I have discovered multiple fraudulent charges on my Chase XXXX card and my Chase Freedom card, and Chase has refused to discuss the fraudulent charges with me. I have called and even spoken to supervisors, and they have refused to assist me with the fraudulent charges. I have faxed over copies of the fraudulent charges and Chase has refused to do anything about it. I have mailed copies of the fraudulent charges to where I was instructed to mail them, and Chase still has refused to do anything about the fraudulent charges. Chase Bank has told me that they will not do anything about the fraudulent charges since they closed the accounts. They have told me that I had no choice but to pay the fraudulent charges and that if I did not pay the fraudulent charges they would ruin my credit. I have been threatened and been demanded to pay charges that I did not make and that were fraudulent.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XX/XX/year> Re Case # XXXX Subject # 1- Demand for Correct Information Regarding Bank Account Subject # 2 - Request for Response Regarding Account Issue Dear Sir/Madam I am writing to bring to your attention an issue I have encountered with conflicting information regarding my account at Chase Bank Over the past 7 months I have received contradictory information from different representatives of the bank, which has caused confusion and concern on my end. 

I kindly request your assistance in resolving this matter and providing me with accurate and consistent information about my account. It would be greatly appreciated if you could investigate this issue and provide me with a response within the next 3-5 business days. 

Please feel free to reach out to me at XXXX or XXXX if you require any further information or clarification. Your prompt attention to this matter would be highly valued. 

Thank you for your time and assistance. 

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

LEXISNEXIS AND XXXX, AS WELL AS XXXX XXXX XXXX XXXX XXXX, ARE REPORTING FRAUDULENT INACCURATE ACCOUNTS IN MY GOOD NAME, I HAVE DISPUTED THIS INFORMATION DIRECTLY WITH THEM BUT THERE HAS NOT BEEN A RESPONSE AS OF YET.
Product: Bank account or service

On XXXX/XXXX/15 TCF Bank reordered my transactions XXXX and debit my account XXXX for the same transaction XXXX/XXXX/15 XXXX XXXX XXXX ( {$140.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect.

Information in the Credit Report Published as Company Info : XXXX XXXX  Account No XXXX XXXX. Late payment history 2.Last Payment XX/XX/2017 XXXX. Account Verified XX/XX/2017 I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Product: Credit card or prepaid card

Somebody applied for unemployment benefits in my name. I was notified of this through the mail. Shortly after being notified about this, I received this U.S. Bank ReliaCard. I did not apply for unemployment and I do not want this card.
Product: Credit card

Hello my name is XXXX XXXX XXXX and I hope all is well with the person whom is reading this. This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name LVNV FUNDING in the amount of {$860.00}, XXXX XXXX In the amount of {$310.00}, XXXX XXXX in the amount of {$260.00} and XXXX XXXX XXXX in the amount of {$180.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Checking or savings account

I am writing to address a pressing matter related to my Capital One account Recently, my wife XXXX XXXX submitted a request to update her profile, specifically to replace her ITIN with her Social Security Number on her accounts. She is an authorized user on one of my credit card account. 
Unfortunately, it appears that during the process of updating her information, an error occurred within Capital One 's system. This error has led to the creation of a duplicate entry and a mismatch in my account details that requires immediate correction. 
Regrettably, this significant oversight by Capital One has rendered me unable to access any of the products associated with my account, including my checking accounts, savings accounts, and credit cards. It is evident that this situation is causing undue financial strain, as Capital One is currently withholding my funds without any legal mandate, thereby causing unwarranted delays in meeting my financial obligations. 
I have invested countless hours in phone conversations with various agents from Capital One, all of whom have been unable to provide a satisfactory resolution to this predicament created solely by Capital One 's errors. 
I implore you to treat this matter with the urgency it demands. 

Thanks for any help that can be given with my case.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Block Inc. due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act. Specifically cash app failed to take timely, and effective measures to protect and address fraud on their platform leaving my account vulnerable and Im protected. Furthermore, their despite resolution process was unfair and deceptive and they did not comply with error resolution requirements under the Electronic Fraud Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate read address for these violations.
Product: Credit reporting or other personal consumer reports

These inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Im XXXX and I can not get a credit card they cast I dont have any credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

iI have reported diffrent things appearing on my credit that are dealing with identity theft i have told the XXXX, equifax, and XXXX and sent in police reports and im not able to get items removed the people were using my identity for alot of diffrent things
Product: Credit reporting or other personal consumer reports

I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per XXXX XXXX, I am formally requesting their removal within the next XXXX  days. Relevant documents are attached for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested from Experian and XXXX XXXX XXXX XXXX the permissible permission used to have accessed my credit report in XX/XX/XXXX. Both refuse and play word games. 
Experian states " They responded and verified that the disputed information was accurate as reported, however, they may have updated other aspects of the account ( s ). The result summary was sent to you for review on XX/XX/XXXX '' I have yet to receive the permissible permission or the XX/XX/XXXX summary listed above..
Product: Vehicle loan or lease

I 'm trying to apply for a mortgage loan but  XXXX  score is missing in my tradeline. I called the company and I was told it would take a month to update.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian and XXXX XXXX XXXX XXXXXXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ), specifically 15 U.S.C. 6802. This complaint pertains to the failure to ensure the accuracy of information on my credit report and the unauthorized disclosure of my nonpublic personal information to a third party without my consent.The account in question is : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX The original creditor, [ XXXX XXXX XXXX XXXXXXXX ], disclosed my nonpublic personal information to a third-party debt collector, XXXX XXXX XXXX XXXXXXXX XXXX XXXX without my knowledge or consent. Under 15 U.S.C. 6802, financial institutions are prohibited from sharing a consumers nonpublic personal information with nonaffiliated third parties without providing a clear and conspicuous notice and an opportunity to opt out. I did not receive such a notice, nor did I authorize this disclosure. This caused harm including unfair damage to my credit score due to inaccurate reporting. Stress and confusion resulting from unauthorized third-party collection efforts.
Product: Credit card or prepaid card

I got AMEX Gold card XXXX which charges {$250.00} annual fees. I was charged the same fee {$250.00} this year on XX/XX/2020 to renew the card. I was not asked if I want to renew membership as it was automatically renewed, per customer service manager. With COVID, I wanted to cancel the card as I don't want to take any unnecessary credit cards. Today ( XX/XX/2020 ), I chatted with the manager who said I will not get the annual fees back ( prorated ). Had I known that I would be automatically renewed and charged this fee, I would have cancelled much earlier. I need your help in resolving this.
Product: Credit card

I just received an unsolicited " XXXX XXXX XXXX XXXX '' from " XXXX XXXX. '' of South Dakota, licensed by VISA, asking me to activate their debit card. When I called the number to complain and cancel the unsolicited card, the automated answering service asked for my Social Security Number. It reeks of fraud, and possible identity theft. The website they provided is CARD.com.
Product: Credit reporting or other personal consumer reports

I do not have an open credit card with Capital one bank nor a card in my possession. I am listed credit report for having open credit card account with Capital One bank with over XXXX balance. Have no knowledge of this card nor did i ever authorize or open a credit card with them nor charge or owe a debt or balance in this amount. Have XXXX closed capital one credit card with {$570.00} balance that i currently owe and am making payments on. My name is XXXX XXXX XXXX and it shows a card opened with my address and social however in a fraudulent last name. I am not nor claim to be XXXX XXXX and do not have a card in this name nor have i ever used opened or had access to this account.
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 TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I borrowed {$300.00} from a company called Power Finance Texas. I expected my payments to be a small monthly loan amount, as they told me my payments would be roughly {$67.00} a month. Shortly after making my first payment, I was then bamboozled with the information that I had to pay an additional {$200.00} and something dollars a month for my loan for a number of months. According to their documents, I would have to pay them a total of over {$1000.00} for this meager {$300.00} loan. Looking at the more than 700 % interest or APR, I feel this is predatory lending at it's worst. I also used my sister and her husband, who is retired military, as references.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, 2019 a company by the name " XXXX XXXXXXXX XXXX '' just popped up on my XXXX, XXXX, and Transunion credit report file. The original debtor is XXXX XXXX XXXX! This account does not belong to me, as all my bills have always been in my husband 's name. When I try to contact XXXX XXXX XXXX, my calls are not be accepted, their recording says their too busy to take my call. I have filed a dispute with XXXX and Transunion.
Product: Vehicle loan or lease

As it is VERY clear to see, ALL of my accounts are in good standing, paid off/never late, paid in full etc etc and then theres this vehicle that has been on here that I havent known what to do with. Every time I call Toyota Motor Credit, they are rude, unhelpful, and ask for the social security of the accountholder. Since it isnt me, they treat it like XXXX XXXX. So how am I supposed to even know whats going on when they wont comply? I own, operate and pay for ONE vehicle. I have NEVER lived at the address associated with the creditors account -- which states on my credit it was reported by them -- and I am sick of seeing this information on my credit. I dont care how it gets removed it just needs to or they need to be more open about their communication with me. Ive called multiple times with no resolution because theyve simply made it not their problem but what IS a problem is having this under my name and on my credit. And because I dont have the right social security number, there is no information I have been given, which has led me to dispute. Do you all need bank statements, my XXXX file,.?? What is it? I cant even protect myself because Im given no option?! This is literally outrageous and Im very close to suing them. If its mine and certified then why can I make no changes, be removed, get access to the account when I call to start, any of those things?? Is this car parked outside my house? Do I have even a copy of a key? Have I ever driven this vehicle or made any payments on it?? When it makes sense I cant say anything, but this is making ZERO. The answer to every question here is no and Im not standing for that.

I dont pay late, in fact I pay early. I dont have ANY other accounts that are suffering, so how is this adding up?
Product: Credit card or prepaid card

XX/XX/XXXX, a outdoor vendor fair was operating I was several people who were victimized by this particular company, XXXX XXXX Their phone number is XXXX Name is XXXX I did not give her my personal info, how she got it I dont know, but shes victimized others that same day & some have received resolutionXXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX Colorado XXXX that sponsored this particular vendor, told me they ripped off others & they have gotten reimbursed. Ive have filed a police report, I have spoken to XXXX XXXX to assist because I am a member, I have phone, texted & emailed the vendor several times Ive been in continuing conversations with my credit card company Citi bank If you have any advice to add it would be appreciated Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : A company by the name o f CIC Credit  pulled my credit reports from all  XXXX  agencies (   XXXX  ,  XXXX  and  XXXX   )  on   XX/XX/XXXX     without my authorization - I do n't even know who the company is. I have called the company several times to find out who they are and why they pulled my credit without authorization, however I just keep getting forwarded to someone in the company that the call just goes to voicemail. I have left several messages requesting a call back with no response. This is very frustrating, as these hard inquiries hurt my  credit score  and it is extremely unfair that a company will/can do this knowing that these inquiries lower my score and without my authorization.  <P/> I am a subscriber to   XXXX   XXXX   XXXX   and they send alerts immediately when there is a change to your score - that is how I found out about the inquiry and also company information. Please see below for the company information and advise how we proceed now. My goal is to resolve this by the hard inquiries being removed from my report - Thanks in advance for your help!  <P/> Company Info :  CIC Credit   XXXX   XXXX   XXXX   XXXX , TN  XXXX  (  XXXX  )  XXXX   XXXX
Product: Credit card or prepaid card

There were credit cards issued and opened in my name dating back to XX/XX/2022, at which time I was XXXX  until XXXX XXXX with the XXXX XXXX XXXX XXXX. I have documents to prove that as well