23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've disputed the names and address on my credit reports there were false names and addresses that are not mines I gave a driver 's license picture of my identity to both credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding a recent issue related to the handling of my account by XXXX XXXX XXXX XXXX As a valued customer, I expect that XXXX would adhere to the highest standards of professionalism, integrity, and compliance with applicable consumer protection laws and regulations. 
The crux of my complaint lies in the unauthorized sale of my debt to a third-party creditor, which has resulted in an unjustified collection account being reported on my credit report. This action not only violates my rights as a consumer but also has a severe negative impact on my financial well-being and creditworthiness. 
I kindly request that you provide me with the purchase agreement, which evidences the lawful transfer of my debt to the aforementioned creditor. It is imperative that you promptly furnish this document to me as part of your obligation to transparency and in compliance with the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ] and other applicable consumer protection statutes. 
Furthermore, I urge XXXX to take immediate action to rectify this violation and remove the collection account from my credit report indefinitely. The inaccurate reporting of this collection account not only damages my creditworthiness but also violates the provisions of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] and the New Jersey Consumer Fraud Act [ N.J. Stat. Ann. 56:8-1 et seq. ]. 
I would like to emphasize that if this matter is not resolved satisfactorily and promptly, I will have no choice but to escalate my complaint to the New Jersey Department of Banking and XXXX. I trust that XXXX, as a reputable company, is committed to upholding consumer rights and resolving customer concerns efficiently and fairly. 
I kindly request a written response to this complaint within 30 days outlining the steps XXXX intends to take to address this violation and rectify the damage caused to my credit report. Should you require any additional information or documentation to investigate this matter thoroughly, please do not hesitate to contact me. 
Thank you for your prompt attention to this serious matter. I sincerely hope that XXXX will take the necessary actions to rectify this situation promptly and restore my faith in your company 's commitment to customer satisfaction. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I used a bank of america ATM on XX/XX/24 to withdraw {$750.00}, the machine did not dispense money. A pop up box came up and stated that I would be credited the amount to my account. The following day I had no credit. I opened up claim with BOA on XX/XX/24. No resolution. They escalated the case on XX/XX/24, and still no resolution. I called back today, XX/XX/24, and was told it will take up to 10 days to credit the money, until XX/XX/24. This is unacceptable. I am not being paid interest for them to hold my money without authorization. They did not offer even a temporary credit while they investigated. They are holding on to my money without offering interest or temporary resolution. This is unethical business practices and BOA should be fined.
Product: Credit reporting or other personal consumer reports

Experian has been illegally discriminated against me falsely reporting incorrect information to lenders in efforts to prevent me from being able to get credit. Experian has repeatedly provided incorrect data and credit scores to lenders obtaining my credit score and reports while providing me with a different credit score inconsistent with what they are reporting to lenders. Experian has refused to fix problems racially profiling and discriminating against XXXX peoples and having no intention whatsoever to address or resolve problems brought to Experian attention. Experian unwillingness attitude to fix problems is a major root of its discrimination. Experian has caused numerous problems with lenders who obtain my credit report for financial reasons causing negative impact to my credibility based upon Experian failure and false business practices and reporting of inaccurate and misleading information about credit score. Experian has blocked me from speaking with staff at Experian by not answering calls and forwarding my calls to non human operators and call drops to discourage me from calling and complaining about their services.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this to report five fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a loan opened at XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and a credit card collection account opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report, including inquiries from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from my consumer report. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Vehicle loan or lease

Loan was paid of in XXXX, they called a year later saying we owed more. We made another payment in XX/XX/XXXX for what they said the remaining was. After that they said we would receive a refund of the overage because we didnt owe. I received a statement today showing a credit of {$7600.00} and a net due of - {$6600.00}. We have overpaid almost {$15000.00} to keep them from trashing our credit and to get them to release the title. Called again today and Wells Fargo said they would send to there payoff department again and needed at least 3 days to look at it.
Product: Payday loan

I borrowed the money my financial situation had changed. I made payments, than missed payments now the intetest charges are outrageous. I would like to pay back the loan minus all the interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services. 




I want complete DELETION of the account and the sum payable in the amount of {$1000.00} for each account VIOLATION.
Product: Debt collection

In XXXX of XXXX a salesperson XXXXXXXX XXXX XXXXXXXX came to my home to give me a quote on new windows for my home. After he took his measurements and we spoke about the kind of windows I wanted. He calculated what it would cost me. The original numbers he gave me were as follows : {$23000.00} at 24.99 % for I believe 60 months and {$670.00} monthly. I told him I could not afford that because I live on a fixed income. He said he would call his manager and see if they could do better. He then stepped to his vehicle and made a phone call. few moments later he came back and offered {$23000.00} at 6 % at 120 months and {$370.00} a month and no payment for 12 months. I agreed to this price, and he started the contract process. I signed my contract and got my appointment date. When I started receiving my invoices I didn't pay attention to the first few because I knew I didn't have a bill owed. Once I received the fourth or fifth invoice, I started looking at it and noticed that what the invoice was saying was not what I signed the contract for. I then started trying to contact the salesman who would not answer his phone, I left him several voicemails and no return call. I then called XXXX and was told I needed to call Greensky who is the company that financed my windows. I called them and was told I needed to call XXXX, and from there it was a back-and-forth game with them. I requested in XXXX of XXXX fir my original contract to be mailed to me and I never received it. I requested the same document in XXXX of the same year and never received it. I finally got my daughter in law to try and help me get this straight, we both called Greensky and explained to a woman in the billing department what was going on she said unfortunately she could not do anything to help us but would take notes for our complaint and get it to the right department. In XXXX of XXXX I received by mail a letter stating that after investigation there was no billing error because the service was rendered, and merchandise was delivered. Which was not even what my complaint was. This has been an exhausting process, and I just found out that I would need to report this to the CFPB.
Product: Credit card or prepaid card

I made a payment in full to this company, and each time I do, they delay my credit for XXXX weeks after an ACH withdrawal. They have my money but I can not use my card for XXXX weeks, and they give no reason for it. This has happened several times. Here is their response. 

" I reviewed your account, but unfortunately, we are not able to expedite releasing your available credit at this time. You can plan on it being available on XX/XX/2023. ''
Product: Credit reporting

I have sent letters 5 times showing that information should be deleted from my file and they still have not removed the information. they are refusing to help me. below are the companies that should be removed, I have attached the letters I received from the companies for these items to be deleted. 
1. XXXX XXXX. XXXX
Product: Checking or savings account

I disputed a transaction for {$670.00} for website services i ordered because merchant did not deliver the finished project and i cancelled the project. Vendor claimed that they delivered the project and they finished it. I placed the order on XX/XX/2020. i tried to cancel it a week after that but merchant promised me that they will deliver a very nice website and come to find out later that they do not create a website, they only do copy and paste and it was never disclosed to me. Along the way, i was given lies after lies and the project was dragged and to show me they were doing something with it but when i asked for an update, they told me to be patient. 
I cancelled the order i believe on XX/XX/2020. I disputed it with my bank and i was given temporary credit and then they reversed that on XX/XX/2020 because they told me that merchant has delivered a finished project. I was never given any proof of any update of the website. They claimed they finished the project and the bank said, i can not do anything since i approved the transaction.
Product: Payday loan, title loan, or personal loan

Upstart report that I was 30 days late on my payment l to the credit bureau but on the XXXX when I made the payment it wasnt late they never inform me me that my payment was return couple days after they report the credit bureau they should have called me or mail me to let me know and I ask them for a forgiveness but they keep saying they can not and it ruin my credit score when it wasnt my fault
Product: Checking or savings account

I went to XXXX XXXX XXXX XXXXXXXX on XX/XX/2023. Me and my fianc had a great time and I paid my tab and left. My fianc is actually working there as of now and almost lost the opportunity because there was a dispute put out on my charge of {$110.00}. I had not disputed anything and bar owner said this was something that I would have had to do manually, which is why my wife almost lost the job. I called MoneyLion and in fact they said I did NOT file a dispute and they have no record of me contacting them to file a dispute. With that said, they advised me they will put the dispute under investigation. They said it will be resolved within XXXX business days and I will be contacted but, after me contacting them numerous times and being hung up on after being put on hold for over an hour a few times. I actually initially contacted them the day I was informed by the bar owner and that was on XX/XX/2023. Here we are XXXX  days later and now Money Lion sent a notification to XXXX XXXX XXXX XXXX that they are taking them to court for this. I have taken time off my job and my wifes job is now at risk again. I have email proof from MoneyLion that they claim I didnt dispute this. I am having so many issue and need help. My username for the account is $ XXXX and my Complaint reference number from Money Lion is : XXXX
Product: Checking or savings account

i have a checking account with PNC Bank. on XXXX i filed a stop payment on an ACH withdrawal. On XX/XX/XXXX the money was withdrawn. I complained but their response was you need a minimum of 3 days, this was a weekend and my feeling is if they needed XXXX full days then they should NOT have taken the stop payment request. I escalated a complaint to the executive offices. they called me and i told them the story, she said she would research and call me back. of course she did not so i called her and left a nasty voice mail, so she would call me back. she did but nothing she can do for me. but she insured me the future would be handled. I called again yesterday spoke with a lady and she says it will be caught, i made extra system notes so it will be caught. i signed in this morning, guess what the ACH was pending. so i called, she said wait to see if it cleared and then i can dispute it. i escalated the complaint he said i would get a call in the XXXX i wanted to speak with XXXX XXXX the CEO and let him know they stole {$580.00} of my money in times that are almost impossible to afford to even live.
Product: Debt collection

I was a victim of XXXX Abuse by my roommate. I lived in a threatening and hostile home environment. I reported 3 XXXX XXXX XXXX to the XXXX  and received a XXXX XXXX XXXX. I paid all of the utility fees for the 3 months and 5 days that I shared the dwelling. On the XXXX of XXXX, I paid the rent, sans the parking fees as I do not owe a vehicle, of a little more than {$3500.00}, which my roommate refused to pay. After continued harassment and fear of my physical safety, I contacted XXXX for XXXX XXXX XXXX DC, to seek assistance in XXXX care. They accepted my case. I spent the next three months couch-hopping because of my safety concerns. XXXX XXXX XXXX continued to live on the premises until XX/XX/2023, without paying rent, parking space or utility bills. I received an unitemized collection notice from Hunter Warfield, today, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

Have received XXXX unsolicited notices requesting that I contact them about streamlining my FHA mortgage. First notice was ok. XXXX indicated that did not understand why I would not have contacted them.And third which I will attach, goes as " I wrote you twice before to tell you how historically low rates and recent FHA XXXX program changes give homeowners like you the ability to significantly lower your monthly payment. 
Please act now - at no cost or obligation. I 'd be delighted to show you how much you could save. Please call me at XXXX. Sincerely, XXXX XXXX P.S. Our FHA XXXX process requires no appraisal and normally takes less than XXXX week to complete. " Did not save the second notice but that XXXX indicated that they did not understand why I would not have taken any action after they contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted this company, I haven't been able to get ahold of anyone. I've never been to this Radiology company. You can compare my social security number to the social on file with this company as well as my date of birth. Nothing will match, I believe this file may be mixed up with someone else. I've done done business or had any services from this business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this number from my report as it has never been mine. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not investigated the accounts below. Instead, Experian has altered my account histories causing my score to sink lower. Why would Experian knowingly do this? Fortunately, the report they sent demonstrates these malicious actions. If I can not get Experian to act I will subpoena the records for a lawsuit. 

ACCOUNTS XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX never late XXXX  XXXX XXXX never late XXXX XXXX  XXXX never late DEPT OF EDXXXX  XXXX never late XXXX XXXX XXXX XXXX  XXXX never late XXXX XXXX  XXXX not mine XXXX  XXXX never late XXXX  XXXX not mine XXXX XXXX XXXX  XXXX XXXX not mine PUBLIC RECORDS US BANKRUPTCY XXXX CHPT - XXXX