23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I did receive temporary authorizations for three transactions I did not make on my credit card. I immediately called Bank of America and notified them about fraudulent autharizations : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for {$390.00} XXXX XXXX XXXX XXXX XXXX for {$890.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for {$380.00} I never used these merchants and these transactions are not typical for my purchases. 
The agent on the phone told me they will take care of these. 
On XX/XX/XXXX, these transactions were posted to my account and I called the Bank of America again about these transactions, spent 52 minutes talking to different people and notified about these fraudulent transactions again. They were removed from my account. 
However, when I received the statement on XX/XX/year> these transactions were added again to my account. I called Bank of America again on XX/XX/XXXX and they told me it will take 90 days to resolve and remove these transactions. 
On XX/XX/XXXX first transaction was taken care of and credit issued for {$390.00}. There also was a refund of {$19.00} from XXXX XXXX. 
I called Bank of America again on XX/XX/XXXX, close to 90 days limit, inquiring about the other two transactions. They told me the mailed me a letter, however I did not receive such letter by mail. They told me I need to file a new complain and it will be another 90 days waiting for me. 
I did not receive the promised letter and called the Bank of America again on XX/XX/XXXX. They told me that I can keep calling them but it will not help, I need to wait for another 90 days. 
On XX/XX/XXXX statement I did receive a refund from XXXX XXXX for {$37.00}, however, the original charge was for {$890.00}. 
On XX/XX/XXXX I did receive a letter from Bank of America stating that the credit for {$390.00} is permanent now. 
I did not receive any mentioning about the other two transactions. 
Now it is another 90 days passed and there is no evidence that Bank of America even wanted to help me with the other two transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that I had a negative account show up on my  XXXX  credit report a couple of years ago ( sometime in  XXXX  ) from Syndicated Office Systems representing  XXXX   XXXX   XXXX . I immediately called them to question this since I had never been a patient at  XXXX   XXXX   XXXX  prior to  XXXX , had never received any bills and had no idea this was on the credit report. I was told that I would have to straighten that out with the hospital. I not only called, but went to the hospital in person. The hospital could not locate any records after having to do a " manual search '' since it had been more than two years. This took a significant amount of time and follow  up ( several months ) to b e told that they could not find any records or bills. I have asked Syndicated Office Systems to on several occasions over the past 3 years via their website email to validate this debt. I have never received a response. I have disputed via  XXXX  several times only to be informed that the information has been " updated ''. I just recently sent an email on  XXXX   XXXX ,  XXXX  requesting debt validation, but have not received any response.   I find this extremely distressing since this is causing damage to  my credit score  and my ability to receive the credit I deserve. I am concerned that this is a fraudulent claim from Syndicated Office Systems to collect money from me. I 'm not that stupid as to pay money when I was not a patient. Unfortunately, the idea for these collection agencies is pay or have your credit affected -- extortion.
Product: Vehicle loan or lease

The loan has been paid. I would like all derogatory remarks removed from my credit report. They are affecting future credit usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Product: Student loan

Navient is my loan servicer and they have been nothing but rude, unprofessional, unhelpful and harassing. I have tried on numerous occasions to settle the debts and they refuse. Then they offer me a forbearance -but never send me the paperwork - instead they report me to the credit agencies saying I did n't make my payment. I have been unemployed and called them to ask for reduced payments and they wo n't cooperate. They are calling and emailing me non-stop even though I ask them not to. All I want to do is settle the debt or get the monthly payment reduced and they play games and report me to the credit agencies as being delinquent.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally raise concerns regarding the practices of the credit bureaus in relation to my recent disputes. My experience indicates a lack of proper investigation into the information provided by creditors, as well as inadequate responses to my inquiries. 

On XX/XX/XXXX, I submitted a dispute to the credit bureaus, requesting that they verify the accuracy of specific account information. I have tracking receipts confirming that the bureaus received my disputes. However, after 30 days without any response, I followed up with another dispute, asking for verification of the negative items on my report. In my request, I emphasized the necessity of having a live person involved in the verification process to ensure accuracy. 

Despite my efforts, I received no relief or evidence of any investigation from either the bureaus or the creditors involved. I have documentation of my communications, including tracking receipts showing that the disputes were acknowledged between XX/XX/XXXX and XX/XX/XXXX. 

Moreover, I noticed significant discrepancies in the reporting of late payments across the different credit bureaus. I highlighted these discrepancies in my correspondence and provided copies of each credit report for comparative purposes. Unfortunately, my concerns have not been addressed, and the errors remain unresolved. 

These experiences lead me to believe that the credit bureaus are engaging in passive reporting and verification practices, rather than fulfilling their obligation to conduct thorough investigations. This lack of action appears to reflect a disregard for the accuracy of the information they report. 

I respectfully request that the CFPB investigate these practices and hold the credit bureaus accountable for their responsibilities under the Fair Credit Reporting Act. Accurate credit reporting is vital, and I believe that consumers deserve diligent investigation and correction of any inaccuracies. 

Thank you for your attention to this matter. I look forward to your response. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 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

To Whom It May Concern, I am writing to formally dispute and express my concern regarding a debt being claimed by XXXX XXXX XXXX in connection with XXXX. I have reason to believe this is a case of identity theft, as I do not have an account with XXXX, nor have I authorized any transactions or agreements with them. 

When I attempted to resolve this issue by contacting XXXX, I was informed that I must address the matter online. However, since I do not have an account with XXXX, I am unable to proceed through their online platform. This has left me with no viable means of directly communicating with them to address and resolve this matter. 

This situation has caused undue stress and inconvenience, especially since I am a victim of identity theft and should not be held accountable for debts fraudulently incurred in my name. I request the following : XXXX. Verification of the Debt : Please provide detailed documentation validating the debt, including any agreements, transaction records, and other evidence linking me to the alleged debt. 
XXXX. Immediate Cease of Collection Efforts : Until this matter is resolved, I request that XXXX XXXX XXXX immediately halt all collection efforts related to this alleged debt. 
XXXX. Investigation : I urge both XXXX XXXX XXXX to investigate this matter thoroughly to identify and address the individual responsible for this fraudulent activity. 

If this matter is not resolved promptly, I may be forced to escalate the situation to the appropriate consumer protection agencies or seek legal advice to ensure my rights are upheld. 

Please respond to this complaint within XXXX  days to confirm receipt and outline the steps being taken to resolve this issue. You can contact me at XXXX or XXXX to discuss further. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Consumer Loan

I took a loan as primary and my sister as secondary for a loan from XXXX XXXX XXXX XXXX XXXX XXXX Drive Financial XXXX XXXX XXXX on XXXX in XXXX Texas. XXXX after signing the documents we told the dealer and auto loan company that the interest amount and term was incorrect. They would not correct it and told us that it was too late and that we had to pay it. Furious, we contacted them again and told them that we were going to file complaint. We did several times with credit bureaus. We did n't know what to do. We contacted them in XXXX and XXXX stating we wanted to give car back and cancel contract XXXX Drive said no and we had to pay in full the balance. Finally the car died and was unrepairable, so XXXX called to have it picked up after we missed several payments. Now the terms of the loan and balance are still incorrect on my credit reports and after many disputes filed, they are still reluctant to correct the problem.
Product: Credit card or prepaid card

On XX/XX/2020 a {$900.00} purchase was made using my card information. I noticed the charge a few hours after the purchase was made and immediately called Apple Card services and disputed the charge and had my card number changed. I received an email today stating I would be held responsible for the charge because the merchant provided sufficient evidence that I made the purchase. After speaking to a Goldman Sachs manager he stated the company " XXXX '' provided an invoice with my card number and billing address, but to a person of a different name and a different shipping address. The manager said I would need to provide him with an email or screenshot proving I did not make the purchase. Upon asking how I could provide an email with evidence I didn't make a purchase he stated that was not his job. Several charges were attempted with the old card number in the two months following my dispute proving that somebody has my card information. I tried explaining to the manager that wherever they got my card information is also where the got my billing address, but he said he can't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union continues to report incorrect and erroneous information from time to time. I have attached the reporting to confirm that it is incorrect and not aligned with any of the other agencies. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on ( XX/XX/2022 ) by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. 
Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.
Product: Vehicle loan or lease

Name : XXXX XXXX Bank : Capital one Account number XXXX Car. XXXX XXXX XXXX I am making my monthly payments and they keep saying my account is past due. 

I am making my monthly payments and they said my account has been assigned for repossession. 

On the first day I drove the car off the lot after financing, I logged into capital one app and it instantly says I owe XXXX . 

I just financed the car afresh and I am not supposed to have a huge outstanding balance like that. 

I told them to roll it over to the bill because it was already there when I financed the car and they refused and kept harassing me about it everyday. I put down a XXXX $ Car and XXXX $ cash when I was financing the car, I wasn't supposed to have another XXXX $ due instantly on the account. 

Capital one basically calls and spams my phone everyday, even though I am making my monthly payments. This should be unacceptable. 

There was covid and I defaulted. I called them when I was ready and asked what do I need to do to avoid repo and they said pay so so so amount and I payed it. Then instead of me to go back to my normal XXXX dollar a month, they kept harassing me about the XXXX $ that was due on the account on the first day I picked up the car. 

I am paying my monthly bills and they keep spamming my phone and emailing me and threatening me everyday about repossession. This kind of practices should not be allowed in the modern world. 

Right now I am paying my monthly and they said my account has been assigned for repossession. 

How can you assign my account for repossession when I am making my monthly payments? 

Please email capital one and tell them to roll over any outstanding fees to the overall debt and stop harassing me everyday by email and phone. 

Please help me. 

Thank you
Product: Checking or savings account

Bank of America close my account because they said that I had use money and get money back from them. I didnt understand and they close my account a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free annual credit report from Equifax, and they provided me a blank file. When I tried to request another copy, Equifax stated that I had already received my annual free credit report. I contacted Equifax about this concern through and have heard nothing back. It has been over 72 business hours since I made my initial request. Equifax is unlawful withholding my personal financial information and refuses to acknowledge their wrongdoing.
Product: Checking or savings account

I bought XXXX XXXXXXXX XXXX convertible from a dealership in Florida called XXXX XXXX in XXXX XXXX. I paid the gentleman through bank transfer and zelle a total of {$6600.00} for the price of the car and the transportation. He did not send me the car with the {$650.00} I sent him he kept the money. Waited 2 months to ship me my title. Never received the bill of sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, And XXXX has multiple inquiries listed below reporting on my credit report without my acknowledgment. 
After a thrall investigating I found 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. 

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 U.S. POSTAL SVC FED & # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Blley Act ( GLBA ) to opt out of such information sharing. and I believe my privacy rights have been violated On XX/XX/year>, I notified XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers ke me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX. 
Please feel free to contact me if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Credit reporting or other personal consumer reports

recently pulled credit report and saw incorrect information, proceeded to make an FTC report on XX/XX/XXXX report # XXXX there are multiple hard inquiries that i do not recognize/authorize and are not attached to any open accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX one collection that is not mine from XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these are related to several data breaches including Experian data breach
Product: Debt collection

On Friday, XXXX XXXX, XXXX ( XXXX eastern time ), I contacted Carmax Auto Finance via phone regarding a charged off vehicle which was past due. The agent I spoke to ( who was identified as XXXX XXXX advised of possible repossession as early as XXXX XX/XX/XXXX unless payment was made, cited amount I was unable to pay ( approx {$1800.00} XXXX. I questioned agent on whether the vehicle 'could ' or 'would ' go out for repo without payment on XXXX XX/XX/XXXX. Agent stated it would be assigned for repossession on that date without payment. I escalated to seek other options, but was unable to reach an arrangement. 

I made a followup call on XXXX XX/XX/XXXX XXXX XXXX XXXX  eastern time ) to continue negotiating, spoke with XXXX, who advised me that the vehicle was not, at that time, assigned for repossession. Based on this, I believe XXXX misrepresented Carmax 's intentions regarding repossession to coerce or intimidate an immediate payment from me. I escalated the call, and advised the next agent, XXXX, that I suspected a Carmax representative acted improperly in this manner ( via a UDAAP  violation ) and that I intended to follow through with regulatory action. XXXX acknowledged. 

I made a followup call on XXXX XX/XX/XXXX XXXX XXXX XXXX  eastern time ), and advised the agent I spoke to of what I believed to be a UDAAP violation. He spoke with his supervisor, and advised me that the issue needed to be in writing ( thus, refused to proceed via phone ). Based on that, I feel I made reasonable efforts to bring the issue to Carmax 's attention for investigation and resolution, and am escalating the issue via reporting.
Product: Credit card or prepaid card

I received this prepaid Mastercard as a gift in approximately XXXX and never opened it. I opened it on XX/XX/XXXX and though it has an expiration date of XX/XX/XXXX on the outside cover and the card, the card had a XXXX balance. 

I called the number listed on the card, XXXX, and I was told that the card had a XXXX balance. They referred me to another number XXXX and they told me that they have nothing to do with the account. 

All I know this was a sealed gift card that I opened today and the balance was apparently charged off.