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

I have accounts showing on my credit report that I did not authorize. I have become a victim of identity theft. I would like these accounts removed from my credit report immediately. These are the following companies below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This is XXXX XXXX. I have wonderful record with Synchrony Bank but they have put wrong deferred charges on my Amazon Credit card and still showing that promotion date will be expiring XX/XX/year> and i have paid it but still showing wrong balance, I have {$530.00} according to PROMOTIONAL EXPIRATION but still showing {$190.00}, I have paid more than PROMOTIONAL EXPIRATION balance, I will not accept it if they put deferred charges on after XX/XX/year>, I have added all promotional balance according to expiration date and exactly I paid more than that but Synchrony Bank messed up my account. I will never accept it, and full and complete investigation on this account. 

XXXX Amazon Store Credit Card.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against EQUIFAX regarding their failure to update my address information despite multiple attempts over the past two months. Despite providing ample proof of my updated address, the necessary changes have not been made to my file. I have followed up numerous times via phone, mail, email and have spoken with various representatives, each assuring me that the necessary adjustments would be made promptly. Regrettably, despite my persistent efforts and the submission of documented proof of my new address ( attached for your reference ), the required changes have not been reflected in my credit file. This oversight is not only inconveniencing but also concerning, as it compromises my ability to receive important financial documents and potentially exposes me to security risks associated with outdated personal information. As a consumer, I expect timely and accurate updates to my credit information, especially when I have provided clear evidence to support such changes. The lack of response and action from EQUIFAX is unacceptable and represents a violation of the Fair Credit Reporting Act. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that EQUIFAX fulfills its obligations to maintain accurate consumer information promptly. Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Checking or savings account

On XX/XX/19 XXXX I drove up to Bank of America ATM machine, the XXXX XXXX XXXX XXXX Texas, and deposited {$7500.00}. ATM number is XXXX. The ATM machine took all my money but the receipt says only {$300.00} was deposited. I called the Bank of America claim department right away and spoke with XXXX. She filed a claim for {$7200.00} because the recepit says {$300.00} deposit was made.

I spoke with a representative at Bank of America on Thursday and she mentioned it could take up to 45 days until I get my money back. {$7200.00} is a large sum of money and I feel uneasy. So I called Bank of America claim department on Friday, XX/XX/XXXX, and spoke with XXXX in Arkansas. Before she picked up a phone, my calls kept getting disconnected and I had to be on hold 11-16 minutes each 2-3 times I tried to speak with someone.I demanded to speak with a supervisor but she said they are busy and the supervisor is answering other calls. I was talking with XXXX  for like 15-20 minutes about my situation and she kept saying her supervisor can not come to the phone to speak with me. According to XXXX, supervisor named XXXX put in the request to review on Monday but it could take up to 45 days. Its {$7200.00} not {$720.00} I am talking about!

The representatives I talked on phone said, Bank of America open up the ATM machines and count the money at least twice a week and its been 5 business days since the incident. Why do I have to worry about whether or not I would get money for 45 days? And the representatives kept mentioning the bank might or might not give me a temporary credit. Temporary credit? Temporary credit is not enough! Its Bank of Americas ATM error and its my money, {$7200.00}. This situation is totally unacceptable and I want my money back right away. Please assist me! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX MO XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Multiple inquiries within the same period of time were taken by multiple financial institutions ( Ally Financial XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All took place in XX/XX/year>. I specifically stated to NOT shop credit as I was pre approved and granted a loan through XXXX XXXX XXXX. I did not authorize these inquiries from any of the above institutions.
Product: Credit card or prepaid card

On XXXX XXXX/17 I made what I thought was my final payment on my Best Buy Credit Card ( Citibank issuer ) promotional deferred interest purchase. On XXXX XXXX I received a call from Citibank notifying me of a past due account. In reviewing my account documents, I discovered that {$27.00} of my {$120.00} was credited to a purchase during that billing cycle leaving my XXXX/XXXX/17 payment of {$120.00} {$27.00} short of paying off the promotional balance and yielding punitive interest charges of {$270.00}. I had my payments set on auto deduct to pay in full by the end of the 12 month deferred interest period. Each payment was made in an amount sufficient to pay the balance in full but I had forgotten about the purchase I made during my billing cycle ended X/26/17 from which {$27.00} was diverted from the promotional balance. I was also late for my XXXX statement thinking that I had paid the balance in full. Although several representatives I spoke with acknowledged the error, one of whom said " yeah, that {$27.00} should have been credited to the deferred balance '' the final disposition was that they would waive my late fee of {$27.00} plus interest of {$7.00} I was responsible for deferred interest of {$270.00}. Apparently they only allow 20 days to correct errors on deferred interest charges according to the Escalation department. My offer was to pay the balance of my forgotten purchase, late charge, and interest since it was my fault that I missed the error and was, in fact, past due for the payment I missed. That offer was declined so, to bring an immediate end, I paid {$330.00}, which included {$270.00} in deferred interest, in spite of timely payments in an amount nearly 5x the required minimum for each month and that left my {$27.00} short of a final payment amount. I also told the company I received numerous auto-dialer calls over the past 2 weeks from Citi that left no message or when I answered no one ever came to the line. Had those calls reached me, I would have been within the 20 " grace period. '' I believe that Citi 's handling of this situation is extremely inequitable and that it warrants this report to the CFPB for review and documentation of Citi 's practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter that was sent According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have the knowledge concerning any such items of information. 

They sate my accounts were verified but how could that be possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

List of the accounts disputed : 1. The following account is not mine XXXX XXXX XXXX Acct # XXXX ... .Date Opened : XXXXPlease remove it from my credit report. 
2. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XXXXPlease remove it from my credit report. 
3. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XXXXPlease remove it from my credit report. 
4. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XX/XX/XXXX 5. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I called each of these credit agencies ( XXXX, XXXX, Trans Union and XXXX ) to get old addresses removed from my credit reports. Each of these agencies reported they are unwilling to remove my old addresses. My current address for the last four years is XXXX XXXX XXXX XXXX, XXXX, MO, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices which violate the Consumer financial protection act. Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform Leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic fund transfer act and regulation have caused significant inconvenience and financial loss. And I seek Appropriate redress for these violations.
Product: Debt collection

was sent a bill from XXXX hosp.XXXX ca for $ XXXXXXXX.I called them told them once XXXX and XXXX pay there is no bills sent to me by law.now I get a collection notice from SCCS XXXX ca XXXX phone is XXXX ..reference # is XXXX ... I called them for XXXX times and requested they call me I am still waiting as of XXXX/XXXX/2015 XXXX pst..
Product: Debt collection

On XX/XX/23 and XX/XX/23 Jefferson Capital System opened a collection. 
Account # XXXX XXXX $ that I owe I have never signed any document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer.

I do not know who they are and have not written consent on my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 


XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I received my credit reports and discovered Southwest Credit Systems reporting a trade line for an alleged amount of {$280.00} collecting for XXXX. I mailed Southwest Credit Systems a request for validation on XX/XX/XXXX and SWC replied with a generic one page bill ( attached ). I mailed a second demanded for validation on XX/XX/XXXX and received no reply, Southwest Credit Systems continues to collect by reporting the alleged debt on my credit report ( see attachment ). 

Southwest Credit Systems failed to provide me with an assignment which is a requirement under California 's Rosenthal Act CA. Civil Code 1788.13 ( L ) Which states, " Any communication by a licensed collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. '' SWC also violated California Fair Debt Buying Practices Act 1785 ( a ) ( 2 ) which states, " The debt balance at charge off and an explanation of the amount, nature, and reason for all post-charge-off interest and fees, if any, imposed by the charge-off creditor or any subsequent purchasers of the debt. This paragraph shall not be deemed to require a specific itemization, but the explanation shall identify separately the charge-off balance, the total of any post-charge-off interest, and the total of any post-charge-off fees. '' The PDF 's provided by SWC indicate what appears to be a 1 month billing cycle for an alleged amount which are half legible ( see attachments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I own a small fitness manufacturing company that was severely impacted by the Covid-19 pandemic. Most of my clients have been forced to close and we have had a shelter in place order in my state earlier this year. Needless to say it has been a struggle to keep the business operating and pay my bills on time and I certainly appreciate that most of my creditors have been very sensitive to the pandemic and understand that many Americans are struggling financially during this time. 

However, I am writing in regard to TD Bank where I have an overdraft line of credit for more than 10 years. I always make payments via online transfers to this account on time, however, during the month of XX/XX/2020 this year I just did not have the money to even make a minimum payment. I was shocked when I was reported as 30 days late and saw my credit score drop by 75 points, which now affects my ability to borrow XXXX money offered by the XXXX. I disputed this through the credit bureaus but TD Bank would not remove the late mark, only added a note to my file which does nothing for my case. I need TD Bank to remove this negative mark immediately.
Product: Vehicle loan or lease

I have a car loan with Santander Consumer USA for a car note in the amount of XXXX monthly for a lease term up to 32 months. Moreover, I've inquired about reducing amount and has yet to receive any responses. I recently got laid off and currently is seeking a new role for work. I'm currently behind 3 months of payment and would love some assistance in holding off repossession and/or allowing me to catch up with payments through payment plan orf reduction. I am currently undergoing a new job position and scheduled for fingerprinting. Underneath, you'll find the dates that were considered missed payments. This is my family car and is asking for leverage. Thank you! 

XX/XX/2021 in the amount of XXXX to Santander Consumer USA XX/XX/2021 in the amount of XXXX to Santander Consumer USA XX/XX/XXXX, XXXX the amount of XXXX to Santander Consumer USA
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX 7 Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX 1 XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have a loan agreement with affirm that I make one payment for {$110.00} a month but they debited my account for five payments consecutively on one day when I contacted them they said they were aware of the problem but said they couldn't give me an answer that it may take 3 to 5 days to get an answer and said they were not responsible for any fees that I may accrue from their mistake such as late fees or non-sufficient fund fees. I believe this is a breach of contract by affirm we had an agreement and they have breached it. Also hard telling how many customers this may cause financial hardship to with no repercussions for affirm just I'm sorry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had freezes on my credit since 2012 since I am a victim of identity theft. I acquired personal pins from XXXX and Equifax and set up a XXXX  account to be able to manage my credit going forward. Since I am trying to apply for a mortgage, I have to temporarily lift my credit freeze with all 3 agencies. I had no problem with XXXX  and XXXX, but my experience with Equifax has been horrendous. I started by trying to log in to my account but, despite using the right username and password, was told I had to call. Upon calling and correctly answering all of their automated questions, I was told I had to speak to an agent. Upon speaking to an agent, I was told I had to mail or fax a copy of my drivers license and social security card. While I am INCREDIBLY uncomfortable faxing a copy of my social security card, it was clear I had no choice and so I faxed it in. I have been calling for the last 2 days for confirmation that it was received and keep being told I need to wait 3-5 business days. It is ABSURD that I need to wait 3-5 business days simply for confirmation that it was received. My social security card is just floating out there somewhere and I can not even be told that it was received. And what if it wasn't received? I will need to wait 3-5 business days, try to fax it in all over again, and wait another 3-5 business days. Additionally, I do not have a fax machine ( because who does these days?! ) and so I had to go to a XXXX and spend {$6.00} to fax in my documents. If I have to resubmit, that will be another {$6.00}. I should not have to spend any money to get access to my own information. So now I need to wait, and in this time I can not receive pre-approval for my mortgage and am unable to place offers on apartments that I want. I've already missed out on 2, how many more will I miss out while I wait for Equifax to do their job? During all this, Equifax is telling me that I can not use the pin that I have because they no longer use those ... which is the first I'm ever hearing of this! I was never even notified about that. It is truly incredible that I can have this little control over my own credit and receive zero information from their so-called customer service agents.