23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I leased a vehicle from XXXX XXXX of XXXX, CT in the first week of XXXX 2015. They bought me out of my old lease [ an early termination ] and wrapped that {$1700.00} charge into my financing. As of XX/XX/2015 they literally just sent the check yesterday to Ally Bank. I have made a complaint with the Connecticut Dept.. of Banking because Ally is treating this debt as a total loss & damaging my credit report as a result. Ally sold the car and got alot of money for it and the total bill is less than [ by about {$100.00} ] what XXXX sen to them. This issue exists despite the fact that I sent certified letters to them -- one as early as two weeks ago -- with an email I received from XXXX XXXX that a check had been sent to them. There is a standing derogatory on my credit report now as a result of this situation and I am attempting to confirm with Ally via their managerial division for " total losses '' at voice number XXXX that this derogatory will be removed because Ally notified me yesterday that they had received the money.
Product: Credit reporting or other personal consumer reports

I didnt authorize Navy Federal to put anything on my credit report. XX/XX/XXXX and XX/XX/XXXX I received a email stating I needed to update my mailing address. I never received an opt out or a disclosure mailing. I still have funds inside of the account but I lost personal belongings and were unable to find card. 
I would like NAVY FCU Inquiry : XXXX XXXX, XXXX removed from my credit report.
Product: Debt collection

Wrong dates from when account was opened and closed. It shows that it was reported XX/XX/2020. I have not had XXXX XXXX XXXX XXXX in over a year ago. The service was horrible for the cellular service always dropping calls. I had XXXX that if the wind blew too hard I would lose my satellite signal and wouldn't be able to watch TV. I told them that I was not happy with the service I was paying for and canceled the service. I was then told that I needed to return the equipment which I did and they are still trying to get me for {$2400.00}. The service was the worst i have ever had and I would not pay for services that I could not use. All equipment was returned to them in the boxes they supplied with postage paid labels.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not allow me to access my free annual credit report.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed that I had several late payments, but I've never paid late. It's critical for consumer reporting companies ensure that ALL my information reported is accurate. I have never missed a payment on account # XXXX XXXX XXXX. I'm requesting an investigation be done on ALL discrepancies, and that the CFPB provides proof of these late payments. If no evidence can be found, then I request that their status be changed to reflect the true status to ' on time '.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to these unauthorized inquiries on my credit report iam unable to obtain a auto loan to buy a car due to the unauthorized XXXX inquiry that was taken place on my report XX/XX/22 and the unauthorized inquiry that was taken place on my report on XX/XX/22 Im unable to obtain any credit
Product: Checking or savings account

I received a XXXX APR promotion from PNC for my credit card account. I wrote a check to myself in order to consolidate my credit card bills and went to a PNC branch on XX/XX/2019 to deposit the funds in the amount of {$7700.00}. Funds posted to my account today XX/XX/2019 in the XXXX. I went to pay a bill and at th end of business and PNC reversed the funds and withdrew from my account after it deposited!!!!! Not only did PNC not notify me I almost bounced my checking account due to their negligence. If PNC needed to place the funds on hold from a Regulation CC the bank should have put the funds in a pending status only and not deposited the funds. I called PNC customer service to find out what happened. The PNC credit card department stated they couldnt see anything in my account and to return to the branch which is unacceptable. Removing deposited cleared funds not only is a terrible practice it is a UDAPP violation against me as they potentially caused overdrafts fees on my end for insufficient funds. This is not only unfair but PNC didnt even advise me. Talk about a bait and switch situation. I am looking for asssitance from the CFPB on this matter and no one could assist me today since the branch is closed and apparently when you have escalations such as these no one is there to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed several reports ftc report police report XXXX  and XXXX  complied with the laws and removed all negative items that where requested equifax still show these requested items on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to once again, dispute the fraudulent accounts and information off of my Credit File. I am writing to submit this formal complaint to the CFPB regarding the fraudulent account that appeared on my credit report. To my dismay, upon reviewing my credit report, I discovered an account that I did not authorize or open, which is a clear case of identity theft. I demand that you block the reporting of any information on my credit file that resulted from this fraudulent activity. The accounts and information in question are : XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022. Let me make it abundantly clear that I did not open this accounts and or information or permit anyone else to do so on my behalf. It is imperative that this account be removed from my credit report as soon as possible.
Product: Credit card or prepaid card

In XX/XX/XXXX a fraudulent charge of {$2100.00} appeared on my Synchrony Bank XXXX statement. I informed XXXX about this in writing and paid for MY charges in full. In XX/XX/XXXX another fraudulent charge of {$2200.00} from the same merchant appeared on my statement. Again I informed XXXX and paid for MY charges in full. Starting with the XX/XX/XXXX statement and every statement since then, Sync has assessed interest on the unpaid fraudulent charges. Additionally, since XX/XX/XXXX a recurring fraudulent XXXX charge has appeared on my monthly statements. I have informed Sync in writing every month of these issues. In XX/XX/XXXX, in my XXXX to Sync, I requested that my account be closed. However, I received a XXXX statement with more XXXX charges and more interest assessed, and the account was not closed. The balance on the XX/XX/XXXX statement is {$96.00} and consists entirely of interest charges assessed on unpaid fraudulent amounts. The fraudulent charges were acknowledged by XXXX, however, the interest charged on those unpaid fraudulent amounts was never reversed, Every month the unpaid interest is carried forward and more is added. At this point I am so frustrated with Synchrony I will pay the {$96.00} wrongfully assessed interest on fraudulent charges just to be done with this bank.
Product: Credit card or prepaid card

I contacted the company, ExxonMobile, to report the fraud with their application number but the operator,  XXXX  ( operator number  XXXX  ), told me that she was not authorized to do anything unless I provided more identifying information to her or to a website or another phone number that she designated .. which I obviously could not do.
Product: Credit card or prepaid card

Please I need help. 

Hello I am writing out to you all as I need help. I signed up back XXXX for Best Buy Citi bank credit card. I have never missed a payment was always on time. 3 months ago I received a notification for payment due. I went ahead and made the payment online and received a confirmation number. The day after I receive it still hasnt taken my payment. I called in to see if they taken my payment, by my confirmation numbers. The lady said it could take up to XXXX days for payment clear my account. I waited a week and still was there the payment was taken and next week was reversed back to my account. This was a 3 week process overall I went after it was reversed to Best Buy to make a cash payment in person. By the time I did that they informed me my account already closed. I have read both cities bank/ Best Buy policy about the credit card and no where does it say this account can close for being 1 month late in payment. I actually called in yesterday and they informed my account has just went in collection XX/XX/XXXX. Which is such a lie I couldnt even access my online account at all and that it was closed months ago. I need help retrieving this account and from my points decreasing dropping.
Product: Vehicle loan or lease

I have been trying to work with santander consumer USA for months about trying to pay off this account for months. First, this company repossessed my car after making arrangements and after coming up the the amount requested. Then they refused to tell me where the car was so i can get my things. Important documents in the car were thrown away and other items were trashed. I received a letter on XX/XX//2018,  asking me to settle for the amount of XXXX. I called santander and told them when i get a tax refund i will pay them. I had traveled out of the country in XXXX and was gone for two weeks. I called them again and asked to pay off the XXXX, when i received my tax refunds, they told me I had missed the dead line and increased it to over 3000. I am not working, I am going through a hardship and barely making ends meet. I even offered to start paying a bit monthly and pay it off in a lump-some when I receive my income taxes and they refused again to work with me. Am very frustrated and tired of trying to work it out with this company. They should be penalized for how they treat consumers. Certain laws are made to protect people like me from companies like this. I have tried time and time again to work with them. They send me an offer letter and will not follow through with accepting the offer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX [ Your Email ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Chex Systems , Inc . 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : IMMEDIATE DEMAND FOR REMOVAL OF UNAUTHORIZED INQUIRY & CORRECTION OF PERSONAL INFORMATION To Whom It May Concern, I am demanding immediate action regarding the unauthorized inquiry on my ChexSystems report and the inaccurate personal information that is being negligently maintained in your system. This is unacceptable, and I expect immediate correction without delay.

1. REMOVE THE UNAUTHORIZED INQUIRY IMMEDIATELY Upon reviewing my ChexSystems report, I found an inquiry that I NEVER authorized : Inquirer : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX Date of Inquiry : [ Insert Inquiry Date ] Under 15 U.S.C. 1681b, it is ILLEGAL for a company to access my consumer report without my explicit authorization. Since I never gave consent for this inquiry, I demand that it be removed immediately. If XXXX XXXX XXXX XXXX falsely claims otherwise, I am demanding written proof of my authorization. If you fail to remove this inquiry, you will be in direct violation of the Fair Credit Reporting Act ( FCRA ), and I will have no choice but to escalate this matter with legal action.

2. REMOVE ALL INCORRECT ADDRESSES IMMEDIATELY It is outrageous that my report contains outdated and incorrect addresses. These errors can cause unnecessary issues, and I will not tolerate them remaining on my file. The following addresses must be removed IMMEDIATELY as they are no longer associated with me : [ List outdated/incorrect addresses, including XXXX XXXX and any others you want removed ] My ONLY current and correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX failure to update my records will be viewed as willful negligence, and I will hold you accountable for any consequences that arise from this failure. 

FINAL WARNING You have no more than 30 days to comply with my demands as required by law. If you fail to act immediately, I will take further action, including legal proceedings and filing complaints with state and federal regulators. 

I expect written confirmation when these unauthorized and incorrect entries have been REMOVED. If I do not receive a timely response, consider this notice of intent to escalate.
Product: Credit reporting or other personal consumer reports

I have disputed the following items since XXXX with no valid verification Addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection accounts XXXX XXXX XXXX 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 None of the above are licensed to collect in my state. 

Trans Union has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to a forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These Failures align with my experience, Where Trans Union has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Trans Union inaction violates federal law and my rights as a consumers
Product: Debt collection

MCM has called me 11 times in the last week and I've told them to stop contacting me. This is for a debt I do not recognize and I continue to block the number, however, they robocall from a different number daily.
Product: Credit reporting or other personal consumer reports

Concora Credit Inc updated my credit reports in XXXX reflecting 30 days late in XXXX. While in XXXX, my account reflected current. In reaching out to them, the response I keep receiving is the system is generating the updates. Reviewing my credit report, they are updating at least 3 times a month. In XXXX, my file was updated on XXXX, XXXX & XXXX. My XXXX file was reported late on but then revised to reflect current on XXXX. At that time, XXXX and XXXX reflected current. On XXXX, both XXXX and XXXX are reflecting late in XXXX while XXXX is still reflecting current.
Product: Debt collection

Sunrise Credit Services contacted me about XXXX XXXX XXXX account XXXX on XX/XX/2021. 
I sent a letter starting " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you '' and requested : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I never received documents from Sunrise Credit Services, but I received a letter starting that " Sunrise had already ceased collection efforts. " " Sunrise received the XXXX  complaints the next day, which was promptly forwarded to the creditor. We are pleased to report that in response, the creditor issued a credit adjustments to XXXX  the balance on XX/XX/2021 '' informed Sunrise Credit Services " collection agency '' that was representing XXXX XXXX XXXX to XXXX XXXX XXXX. 
On XX/XX/2021 I received another letter from Sunrise Credit Services in regards of the same unverified account and account that they sent the untruth statement and letter to the XXXX XXXX XXXX. 
Please see all the documents attached to this complaint as references.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX with SELF on XX/XX/2022. Closed account on XX/XX/2022 with XXXX balance. Paid administrative fee of {$9.00}. 

During my process of opening credit builder loan, SELF stated that account would be reported to XXXX, XXXX and XXXX credit bureaus at the end of each month including late payments XXXX late. 

As of today account is not reported to XXXX, XXXX and XXXX credit bureaus. 

Had I had a payment of 31-days late, I believed SELF would had reported it to all the credit bureaus as it stated on its website.

I believe since I closed my account early Im being penalized by SELF by account not being reported to Credit Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just wanted my payment on my credit card adjusted to show the new correct balance. They removed my XXXX XXXX XXXX  credit card and my score dropped I did not ask to have the credit card deleted off my account please put it back
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to verify accuracy of account : XXXX 
Experian have failed to provide description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation of account name : XXXX. As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Experian have failed to maintain reasonable procedures to assure complete accuracy in the information they publish on my consumer report. Experian must comply with the law by providing the requested information within the 15 days allowed. 

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

I asked that the company prove that they are compliant in reporting items on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My name is XXXX XXXX and i am a victim of checking account identity theft and fraud. I was incarcerated from XXXX XXXX and was released from prison on XXXX XXXX. Upon my release, i assumed i was coming out to my money in my bank account that i had in it upon arrest, upwards to {$24000.00}. Unfortunately, when i Went back to the bank to obtain my funds, I was informed that all the money has been transferred, withdrawn from my account by an individual put that I dont know, personally, by the name of XXXX XXXX XXXX The Online check, transfers and wires were listed in her name and all of my personal information including but not limited to my address telephone number, and email for the checking account were changed from my personal information, phone number and address and email all now or change to that associated with this XXXX XXXX  individual. When I contacted the bank of America, they sent a packet out to what I believe to be my address and then upon non-receival realize that my address has been changed to hers so she received the fraud instructions When I contacted the bank of America, they sent a packet out to what I believe to be my address and then upon non-receival realize that my address has been changed to hers so she received the fraud instructions via USPS Mail rather than myself. This is when I recognize that all my settings on my account had been compromised and that it had to have been this woman, because even her home address is save under the account. After all the money was taking out she put fake checks into my account as well witch made me negative a few XXXX dallors and got me RED flagged from every single bank. I have filed at least 3 times with XXXX to get my money back right away but i got denied. 
One last thing, when i got arrested i told my step dad that im close with if he can go to the bank and become my power of attorney just so we can watch my bank account for save keeping. 
After all this time my dad told me to contact you guys and tell you my story for help. Please look into this and if ur have any questions Ill be here to answer. Thank you for your time and i hope you can help!! 

-XXXX  XXXX
Product: Mortgage

I have called Mr Cooper with XXXX at least four times because an {$1100.00} payment I made on XX/XX/17 keeps being placed on principle instead of the monthly payment. So far, the {$1100.00} I paid XXXX is still in unapplied funds. Agents keep changing the principle to Unapplied Funds but it keeps reverting back to principle. This is highly distressing because of the prospective consequences of delinquent payments. I should not have to monitor my transactions daily when I am doing my part. I have considered legal action because I have never had this issue with another lender.