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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance  : {$1800.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX XXXX XXXX : {$6600.00}, XXXX XXXX XXXX XXXX Balance XXXX {$5000.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports and found inquiries I did not authorize. I never applied for a house or an automobile in XX/XX/XXXX. I purchased my only car with cash in XX/XX/2019. I have not applied for any type of credit so there should be XXXX inquires on my credit reports. It seems as someone is trying to use my identity to purchase items. 

These inquires were not authorized nor did I ever fill out any applications to obtain credit to any of these companies 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 always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP. 
See the documents attached.
Product: Credit reporting or other personal consumer reports

TransUnion ( who is notorious for interfering with accurate credit scores since they enjoy cutting scores over ridiculous changes ) lowered my credit score by 3 points because one of my 31 accounts had an increase balance of {$150.00}. I bought a hose for the garden. I'm using less than 1 % of my available credit. This is a complete misuse of power, it's completely unfair and I want this to stop! They don't add points when my accounts are paid in full, but take away points whenever I have any balance and this should not be allowed.
Product: Checking or savings account

On XX/XX/22 I received an alert from chase stating that Someone by the name of XXXX added themselves on my chase XXXX  account and tried to XXXX  {$1000.00} and {$200.00} from my checking account. I immediately called chase, the agent told me she was able to stop both transactions. An hour later I noticed the {$200.00} did get deducted from my account. I went into chase and the agent told me she would send a claim to recover my {$200.00} and change all my account information. A few weeks later i was told my claim was denied do to the IP address being in the same location. For over 2 months Ive contacted chase to show me proof on how they came down to this decision. The claims department said they can not mail any information regarding this investigation. I dont know who this person is and I called chase immediately to stop all pending transactions. I dont understand how chase allowed money to be withdrawn from my checking account. Absolutely no one has access to my phone or computer besides me.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FLAGSHIP CREDIT ACCEPT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

The below names are not associated with me and need it removed from my credit XXXX XXXX Also, XX/XX/year> address has never been my address. I have never resided in New York before. XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Inquired on XX/XX/2020 I Tried To Get A Apartment From This Guys
Product: Consumer Loan

In 2012 I purchased an automobile from Nissan. While shopping for a loan, the dealership processed 2 loans, 1 from Nissan Motor Acceptance and the other from XXXX XXXX XXXX. Only 1 loan was valid, and payments have never been late. The Nissan loan was canceled and no payment was ever due. This information is only reported as negative at XXXX, and not at XXXX.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year> and have not received a response from this company. I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with LVNV Funding LLC plus they did not provide me with the original application like I asked. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand this account to be deleted immediately from my credit report or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. The product/service is a Collection, Account numbers is XXXX.
Product: Bank account or service

I used my card to order a product over the phone in XXXX 2016. In XXXX 2016 when I noticed another charge, I called the company I ordered from XXXX to advise them that I did not receive the product yet. I was told they would track it and have resent to me. That never happened so on XXXX16 I filed a dispute with Netspend to get my money refunded as XXXX was giving me the run around. I was initially told that the claim would be complete within 45 days. Netspend continues to advise me that they are working on the claim but it has been past 45 days and still no resolution. I am also getting the run around from them as well. They refuse to tell me the process or what steps they have taken to get this resolved.
Product: Payday loan, title loan, or personal loan

XXXX  intentionally misled and lied to me telling me there would be no hard credit pulls to credit report and that only their company would pull a soft pull, I was assured by their representative XXXX whose phone number is XXXX, that there would not be multiple lenders pulling my credit and that it would not affect my credit score, I was placed on hold by the representative so she could speak to " underwriting '' for the loan, then I was told to follow a link they sent me and to confirm my information so that they could pull a soft inquiry again to see my rates and offers, after confirming my information I was offered loans by multiple company 's that were far below what I was told I was pre approved for with interest rates far higher than what I was told I was approved for. this affected my credit score negatively and I have been working very hard to improve it and this only hurt me due to the misleading of the company. this all occurred XX/XX/21
Product: Credit card or prepaid card

I purchased items from a merchant, XXXX, using my XXXX XXXX card through PayPal. I did not receive the items from the merchant. I filed a dispute with my credit card XXXX XXXX and they with held payment. I finally received my items from the merchant and notified XXXX XXXX. XXXX XXXX advised they closed the dispute, and gave the money back to PayPal to pay the merchant. I contacted PayPal who advised they did not receive the money from XXXX XXXX. I ended up paying the merchant using a credit card outside of the PayPal platform. I contacted XXXX XXXX again, and filed a complaint through this agency Consumer Financial Protection Bureau. XXXX XXXX advised they did release the money to PayPal. I have spoken with multiple PayPal Representatives who have told me that XXXX XXXX issued a provisional payment to PayPal and they can not release the money for 75 days, due to the fact that XXXX XXXX can take the payment back. I contacted XXXX XXXX and they advised differently. I don't know who is telling the truth and who is lying, but I hope you can help me get the {$180.00} from either XXXX XXXX XXXX PayPal. I have been trying to resolve this since XX/XX/2021.
Product: Checking or savings account

On XX/XX/2021, my checking account with BBVA was converted in a merger with PNC Bank. Prior to the merger, the account was set up for e-Statements. 

After the merger, I stopped receiving any statements, either paper or e-Statements. I am unable to turn on the e-Statement feature in PNC 's online banking ; nor am I able to access my BBVA e-Statement history. 

Thus, PNC has been in violation of Reg E since the merger. They have failed to provide regular account statements in any format, and calls to their support numbers fail to provide any results - I get passed from one person to another, but no one knows how to solve this issue.
Product: Debt collection

I had a debt collection I have been paying since XXXX. The debt should be about fully paid or within a few XXXX to be paid. 

I have been contacting them since XX/XX/XXXX. Every representative I have talked to either has hung up on me, or told me that they can not find my account. Prior to this I have never had an issue going over my account with a representative or them giving me a balance or updated details. 

They contacted my paralegal telling them I have defaulted on my loan agreements when I have repeatedly been contacting them to receive my balance to see if my account is paid in full. Back in XXXX I made a XXXX payment and some months I made more than the 200 monthly amount which should have me just about paid off. They are threatening to sue for the remainder of the amount. I find this ghosting as I pay off my account a way to purposely default my loan to receive more than the settled amount. These are illegal and unethical business practices. 

the debt collector is Patenaude & Felix XXXX XXXX XXXX the account number is XXXX Also, my cosigners grandmother was harassment for months. My cosinger moved to XXXX. But the company put down the I moved to XXXX. I never moved out of the country. And they repeated harassment his family members and gave my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX billed me for what they claim to be damages and monies owed on our XXXX XXXX XXXX that was returned in XX/XX/XXXX. The vehicle was returned with XXXX less miles than originally agreed upon. The value of the vehicle is MUCH higher because the mileage was so low. They are claiming that I owe them $ XXXX for missing a scheduled service. They are claiming that I owe them for 4 new wheels because of a ridiculous standard that they set. They are claiming that minor scratches are expensive and need to be paid for. This vehicle was never involved in an accident and was returned in GREAT condition. They sent a " MAJOR DEROGATORY '' claim to major credit bureaus which lowered my EXCELLENT credit score by over 130 points affecting my ability to borrow money. They are bullying me as a consumer and think they can charge consumers any amount that they deem necessary at the end of their lease. This is not fair and I will not be taken advantage of. I need all negative items removed from my credit reports and my credit score restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

GreenSky lending lent us {$15000.00}. Within a month we had paid the amount in full of {$14000.00} after an initial payment. This amount has been on our record for the past four months and they have yet to remove it from our credit report. I have sent countless emails and have tried to get them to remove it to no avail.
Product: Credit card or prepaid card

The main reason for this complaint is XXXX XXXX ( Goldman Sachs ) failure to close account and being misleading about it. 

1 ) On XX/XX/2019, I paid off the balance on my XXXX XXXX ( the account balance was XXXX ) and closed the account by calling XXXX. After a brief conversation, the XXXX XXXX agent assured me this had been done. However, I did not receive a confirmation of the account closure. 

2 ) Today, XX/XX/2019, I called again ( at the same number ) to confirm the account closure and was told the account was still active and only the credit card had been canceled. ( I was surprised because on XX/XX/2019 when I contacted XXXX XXXX/Goldman Sachs, I recall I was clear that I wanted to close the account and did not say anything to suggest the card had been lost. ) I expressed this to the agent and asked again to close the account. She first asked me to agree to a statement and when I agreed she assured me the account had been closed. She said I would receive a confirmation but as I write this complaint, I have not received one. 

The following information also raises concerns about XXXX XXXX security : 1 ) For security and convenience reasons, I tried to change my Apple Card billing address from my apartment address to the same address I use with my other cards ( a PO box ). I tried to do this in the XXXX app, but the update failed with no explanation provided. I tried twice. 

2 ) I called XXXX XXXX support and was told I could change the billing address only when I had a physical card. Even though I didn't want a physical card, I ordered one. 

3 ) When the card arrived, I tried again to change my billing address in the XXXX app, but ran into the same problem as in ( 1 ). 

4 ) I called XXXX XXXX support again and was told I would not be able to change my billing address after all. I told them that I had been informed previously this would be possible if I had a physical card. The agent told me there had been a policy change. 
5 ) I also tried to change my email address to a safer, non-generic email address. I called the customer service but was not able to get an answer on how to do this.

6 ) I decided to cancel the account.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, XXXX # : XXXX, Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion Credit Reporting Agency , XXXX 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 two collections accounts opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX At XXXX XXXX ( XXXX ) with a balance of {$5000.00} and XXXX XXXX XXXX ( XXXX ) with a balance of {$4600.00}. Also two student loan accounts XXXX XXXX XXXX ( XXXX ) XXXX with a balance of {$6200.00} and the other account balance of {$3600.00} on XX/XX/XXXX. Finally an auto loan account XXXXXXXX XXXX XXXX XXXX ) on XX/XX/XXXX with a balance of {$15000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and addresses appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have been disputing this account since XXXX of XXXX. Capital One has given credit to the Identity theft charges, but not to the fraud charges. 


I strongly disagree with your outcome. None of these charges are mine and if Cap One had cancelled the card back in XXXX when I requested then none of this would have taken place. I hold Cap One partly responsible. 


In XX/XX/XXXX I was told by XXXX, ID No. XXXX, that there was a record of my calling in XX/XX/XXXX cancelling the card and taking my ex off as an authorized user. She also told me there was definitely fraud on this account. 

Then in XX/XX/XXXX that record of the original call in XXXX could not be found. And Cap One could no longer find any fraud. 

I request all documents proving that I owe this money as my ex was not an authorized user on this account as of XX/XX/XXXX and if he signed for any charges thats fraud. 

Capital One is claiming there was no fraud as they have erased or denied the original call I made in XXXX. They are not presently denying I called again in XX/XX/XXXX as it was proved to be identity theft by my ex. 

I am not responsible for the balance of {$4900.00} as these charges were made by my ex who was not authorized. 

Cap One has not provided proof that I made these charges. 

I need help resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has gotten me very upset They frequently have false information and do not help you at all They should be closed down ; they just transfer you Experian XXXX detected a change to a financial account. 

Received TWO emails : Alert Found : Bank Account Change Bank : XXXX XXXX XXXX, Account Holder Information Change called XXXX ; there was no change. Membership dept transferred me to dispute. 
customer service is unacceptable. Spent an hour on phone and just got upset. They make matters worse.
Product: Debt collection

I have advised Sequium Asst Solutions to stop calling my persona they haven't, I have informed them that i don't give a consent for them to record a phone call they placed into my phone line and they refuse. I was told by their representatives that I am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX DEPT OF XXXX XXXX XXXX XXXX, 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 XXXXXX/XX/XXXX3, 2021 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX  XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX Balance {$730.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX My Social Security Number is : XXXX The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX I'm only employed at : XXXX XXXX Please remove old numbers and address! 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This complaint is concerning the misrepresentation and inaccurate amount of interest that I was charged for my non-interest portion of my Home Depot Credit Card, both by Home DepoXXXX representatives ( manager ) and Citi Bank representatives. 

when I made a charge for a non-interest portion of my Home Depot account iXX/XX/XXXX ; My wife and i were told from the Home Depot manager, that when i make our normal monthly payments that EVERYTHING above the minimal payment duewould be applied to the non-interest portion of my account. That was not done! 

When I realized it ( 10 months Later in XX/XX/XXXX) was not being deducted from that portion of my account I called Citi bank and told them to deduct what they were suppose to each month and they told me they would. I also told them to deduct what should have been applied from the previous 10 months, I was told they would .They Never did! So Citi Bank Representative also mislead me. 
in XX/XX/XXXX my balance was {$3300.00} i paid {$220.00} my balance should have been {$3600.00} In XX/XX/XXXX they added {$2100.00} in interest. that brought my account to {$5900.00} If they would have deducted all the payments that they agreed to do I only should have a Balance on the non-interest account of {$810.00} so there is noway i should have been charged that amount of interest! 
When I called Citi Bank to get this rectified I spoke to a Supervisor. he told me it was to late to make the proper adjustments to my account. 
I have in the folder for you a written Breakdown sheet of all my payments and dates showing what should have been applied to the non-interest portion of my account.I also attached the XXXX statement that shows my Previous balance and the ridiculous amount of the interest applied. I have copies of all my statements i did not attach them there are to many. but if you need them I will send them to you. 
I have continued to make payments. These adjustments must be made.This is clearly Predatory Lending. Thanking you in advance to sort out this matter.