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

Please know that I was not late on XXXX  XXXX****, XXXX XXXX XXXX****, XXXX XXXX***, XXXX XXXX****, XXXX XXXX****, XXXX  XXXX****, XXXX XXXX XXXX**** I wonder why XXXX, XXXX and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Inquiry on credit report. It wasnt removed. Inquiry still on report
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I sent a letter back in XXXX... XX/XX/XXXX ... and I DID NOT receive a re-investigation as requested. That is a violation of my rights! 

Please have this company RE-INVESTIGATE my accounts because I have reason to believe that they are reporting inaccurately. 

Thank you!
Product: Vehicle loan or lease

I have completed the payment scheduled for the vehicle loan based on the agreed monthly payments. The maturity date for the loan was XX/XX/XXXX. The final payment was made on XX/XX/XXXX, and the payment was deducted from my bank account for {$440.00} as scheduled, yet Chrysler capital still withheld my title. Then, the information I received from the customer services agent was that I owed the month of XX/XX/XXXX in the amount of {$440.00} plus {$22.00} in late fees. Also, they stated that I was XXXX days past due, which was incorrect. Further, Chrysler Capital charged me late fees during the XXXX pandemic from XX/XX/XXXX - XXXX, even when the Government asked many dealers to pulse payments. I have attached evidence of those charges, and I am asking Chrysler Capital to waive those fees charged during the pandemic. Also, applied payment made in the amount of {$440.00} on XX/XX/XXXX, which was the final payment for the loan. I made several attempts to resolve this matter directly with Chrysler Capital, but the customer services agents weren't friendly to listen to my explanation. Please, help me to investigate these unnecessary fees and am open for negotiation to be able to collect my vehicle title. Note that I have paid the principal and interest for this loan except for these excess fees charged here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a follow suit letter to XXXX and Equifax about the XXXX XXXX XXXX collection because XXXX  removed the collection. I sent in the supporting document showing XXXX XXXX XXXX was removed from XXXX.
Product: Mortgage

In the pandemic, wells fargo advised me not to pay my mortgage, because they were putting it in forbearance.When it was time to resume payments, they offered me mortgage assistance, {$830.00} XXXX. I paid on time and in full every month until one day they returned my check to me, saying they reneged on the mortgage assistance because they were missing a document. Since then, I have payed the full payment on time every month. {$940.00}, {$920.00} I am in receipt of an intent to foreclose letter XXXX XXXX, out of the blue. I have had many correspondences with them trying to get a payment reduction.I am the co-borrower. My estranged husband is the borrower and his whereabouts are unknown.Wells fargo repeatedly demanded his signatures and refused to acknowledge his warrants and disappearance.I am a XXXX XXXX XXXX XXXX XXXX and I live in my home with my XXXX  children, who are adult XXXX XXXX XXXX XXXXWells fargo has no grounds for foreclosure. I have complied with all their demands and I pay my mortgage.Thank you for your time to save our home. XXXX XXXX
Product: Debt collection

I lived on the property for approximately 5 months. The documents that I signed were a paint hazard form and bed bug addendum. Those were the documents presented to me which was claimed to be my lease. There was no start or end date on the " lease '' nor was there any information stating that leaving the premises of the property would I be penalized in any way. In regards to why I left the property, the living conditions were unsafe and unsanitary and the property did nothing to fix nor maintain anything. To describe the details of the property there was a huge infestation problem because they allowed garbage to be pilled up on the ground for rats and roaches to run into units. When pest control was request and info was communicated to the property, nothing was done. On top of that the A/C went out XX/XX/XXXX and a request was put in to repair. I remained sweating with no working A/C for weeks because every time I tried to communicate with the office no one was there nor did anyone pick up the phone or respond to the work orders when communicated that the issue was not fixed. There was damages and openings in my unit that allowed mice and rats to run through my unit and nothing was fixed. That was during the walkthrough of the unit where a paper was signed and filled at the office that those were the property 's responsibility to fix. And the worst thing was the mold everywhere. There were mold spots growing all over my bathroom and let alone the smell of gas in my unit. I emailed pictures and a high level of concern and the only response that I have received was that I was no where in their system to be found. At that point in XXXX I found another community to live in and removed myself from this community I was currently staying in ( I can provide proof of new lease from new complex ). I only did so after multiple failed attempts of me trying to communicate my frustrations and safety and for them not to respond and act toward anything. This community was also the venter point for drug dealing and use because right behind my unit, they were selling and using. All I was told was that the property was not responsible and I had to call the police, who also never showed. Finally when I tried to walk into the office during office hours to return my keys to them at XXXX in the morning, the office was locked and no one was there on XX/XX/year>. I have made multiple attempts to communicate with the property about the unsafe and unlivable conditions only to never be communicated that the issues would be resolved and for my own health and safety I moved out. Code enforcement was contacted by multiple people who also lived on the property including myself.
Product: Payday loan, title loan, or personal loan

The alleged debt was paid in full in accordance to the law 16 CFR 433.1-3. The promissory note was my negotiable instrument.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX  XXXX {$420.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXX. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XX/XX/XXXXt Number : XXXXXX/XX/XXXX Number : XXXX XX/XX/XXXX Number : XXXX XX/XX/XXXXNumber : XXXX Inquiry XX/XX/XXXX XXXX
Product: Bank account or service

Opened checking & savings account online with Capital One Bank ( '360 Account ' ), received approval / welcome email. Transferred {$500.00} to new checking & {$20000.00} to new savings account ( funds electronically transferred from my credit union account. 
Went to log on to new Capital One account and received message I can not log in and needed to call the provided customer service number, so I did. 
after taking 15 minutes to get to an agent, they told me I was refused a new account. I asked why and they said they could not tell me. They transferred me to 'Customer Security ' department ; same thing, refused and no reason provided. 
I requested all funds be returned to my credit union account. 
It is now 2 weeks and 6 phone calls since opening the account, I do not know why I was refused, and I still have not received my funds back. 
I will try calling them one more time then seek legal assistance.
Product: Money transfer, virtual currency, or money service

Recently XXXX XXXX XXXX and Citigroup have initiated action regarding the Second Amendment to restrict legal business activities regarding providing financial services and resources regarding the manufacture and sale of firearms. This action is politically motivated, violates sound business practices, infringes on my constitutional rights by being discriminatory, and appears to violate anti-trust laws by recent statements from the CEO of Citigroup.
Product: Vehicle loan or lease

My wife totaled her vehicle on XX/XX/XXXX. XXXX paid out what their coverage provided and my GAP insurance through Ally ( XXXX XXXX XXXX ) did not make a payment in accordance with the coverage they provide. They informed me that they needed proof that no police report had been filed for them to payout the GAP insurance. XXXX did provide me with a letter on XX/XX/XXXX that there was no police report filed at that time. Ally ( XXXX XXXX XXXX ) told me that correspondence was not sufficient and they needed correspondence that there was NEVER a police report filed, not just that one was not filed at that time. We followed up with XXXX, XXXX sent my wife email correspondence on XX/XX/XXXX that no police report was filed nor will be filed regarding her claim. This email correspondence was sent to the Ally GAP Claim department for processing in XXXX. To date no correspondence has been sent from Ally Gap Claims to say that email was not sufficient. It was not until today after seeing the loan with Ally was still outstanding that my wife and I followed up. Ally ( XXXX XXXX XXXX ) informed us today that the email correspondence from XXXX that was sent to them in XXXX, would not be sufficient and that it would need to be on XXXX company letterhead. At this time I feel Ally ( XXXX XXXX XXXX ) is not being forthcoming with what they require to process the GAP claim and are withholding the funds to payoff the loan to the vehicle. I have reached out to XXXX to get the necessary correspondence on letterhead. Had Ally ( XXXX XXXX XXXX ) been clear with what they needed and what would not be sufficient, as well as contacted me in XXXX after they received my " insufficient '' correspondence this matter could have already been addressed. Instead I had to contact Ally, who tells me to contact my GAP provider, XXXX XXXX XXXX, a partner with Ally, to inquire about my GAP claim. XXXX XXXX XXXX then told me today about the correspondence that needed to be on XXXX letterhead and that the email was to be sent to XXXX email. It seems clear that Ally, who tells me to contact my GAP provider, is my GAP provider, as all of my emails go through XXXX email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, am writing today to assert my federally protected consumer rights, and complain about the way the consumer reporting agencies have misused my Personal Private Information in accordance with the Gramm-Leach-Bliley Act. These three consumer reporting agencies have discriminated against me in pursuant to 15 U.S.C1691 ( a ) ( 3 ) and have broken MANY other laws including but not limited to : 15 U.S.C 1681 ( 2 ) ( b ) and 15 U.S.C. 1681 ( n ) ( a ). 
I have attempted to rectify this situation via an Affidavit ( Attached ) and received replies from the agencie 's that 'my " credit score is valid and accurate. 

On XX/XX/XXXX, I sent all three consumer reporting agencies an affidavit via Certified Mail - USPS, explaining that they have violated my rights and a way to remedy. 

The credit score these consumer reporting agencies have furnished for me has never been 'authorized ' by me at any time, and the contents of my score are also not valid or correct. 

In my affidavit, I annotated the incorrect items which were displayed on my user profile 's on their respective websites. 

Each of the agencies wrote back saying that the credit score was valid and accurate.

15 U.S.C. 1681b ( a ) ( 2 ), states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
There has never been any written consent from me as the natural person and consumer to allow any consumer reporting agency to furnish my consumer report. 

I demand that XXXX, Transunion and XXXX remove the items that I annotated in my affidavit ( under Exhibit A ). These items on the score have been illegally furnished on the credit report and should not be there as I do not consent to them. 

Furthermore, I also sent accompanying my affidavit, a Demand for Equitable Remedy. For breaking the law, and violating my rights as a federally protected consumer, I deman
d the remedy be paid. 
Totaling {$18000.00} for 18 separate violations. 
I am demanding that all three of the consumer reporting agencies ( XXXX, TransUnion XXXX XXXX ) that were illegally reporting on my consumer report, pay {$18000.00} for 18 seperate violations. 

To be clear, the Demand for Equitable Remedy is {$18000.00} from each one of the consumer reporting agencies, totaling {$56000.00}. That is 18 violations from each one of the consumer reporting agencies. A total of 56 violations.

I have been denied credit, job opportunities, and financial opportunities because of these inaccuracies. 

I have not and do not consent to these items on my report. I demand for them to be removed and I demand to be paid. 
I will also submit complaints to the XXXX XXXX XXXX and the Arizona State 's Attorney.
Product: Credit reporting

My score dropped XXXX after XXXX credit inquiries on Equifax according to XXXX, asked XXXX MY score that they report but was not given the information. Asked how could my score dropped so drastically and was given no answer. Informed that I can pay to get MY report but not MY score. A change in score like the one I 'm suffering with should come with some answers and a way to dispute.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity my Proof of Address and my SSN Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

security breaches since XX/XX/XXXX It's not safe to use these passwords Stop using them ASAP especially for accounts that have sensitive info ( like your banking app or email ).

Exposed password XXXX Exposed password XXXX   Exposed password XXXX Exposed password XXXX 20 data breaches Review the breach details to see what happened and what you should do about it now.

XXXX Reported XX/XX/XXXX Verifications.io Reported XX/XX/XXXX Collection # 4 Combo List Reported XX/XX/XXXX XXXX Antipublic Combo List Reported XX/XX/XXXX Collection # 2 Combo List Reported XX/XX/XXXX Collection # 1 Combo List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX Combolist of XXXX XXXX Credentials Reported XX/XX/XXXX Exploit.in Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Email Data List ( Email List ) Reported XX/XX/XXXX XXXX XXXX XXXX   Spam List Reported XX/XX/XXXX Anti-Public Combo list Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX ReportedXX/XX/XXXX XXXX Reported XX/XX/XXXX  Not Disclosed Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX  XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX
Product: Checking or savings account

Received email notifications stating an account was opened under my name with Bank of America on XX/XX/2022. I have never used Bank of America and never attempted to open an account with Bank of America. I have attempted to contact Bank of America about this but struggle to even get in contact with an actual representative. I am constantly being asked for the account number for the newly opened account, but since I was not the one to open the account I do not know the account number to have them shut it down.
Product: Credit card or prepaid card

I have had the same pin number since receiving the card. Upon trying to withdraw money from my key prepaid card was it was locked after several attempts.I have been trying to contact customer service the last 48 hours on a 24 hour line. I stayed on hold for up to 3 hours minimum 2 each attempt. Tried using the reset pin protocol and was locked out as well even with verifying information entered correctly. Tried calling a different number and was hung up on after my information was entered. Tried emailing them and was told it would be 7-10 business days for a reply. I tried cancelling the card because bills are due. I was not allowed only transfered to a representative that never answered or acknowledged. No explanation or returned communication to explain the situation.
Product: Credit card or prepaid card

I purchased tickets to a XXXX XXXX XXXX game from XXXX , XXXX, a California corporation. The game was cancelled. 

Per California law, I am due a refund, so I am disputing the validity of this charge. 

XXXX California Code Business and Professions Code Chapter 21. Ticket Sellers BUSINESS AND PROFESSIONS CODE SECTION XXXX XXXX. The ticket price of any event which is canceled, postponed, or rescheduled shall be fully refunded to the purchaser by the ticket seller upon request. Any local jurisdiction may require a ticket seller to provide a bond of not more than XXXX XXXX dollars ( {$50000.00} ) to provide for any refunds that may be required by this section. 

In XXXX 's answer to the California office of the Attorney General, they indicated that I am due a refund, but they do not wish to refund me until XXXX ( see the attachment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two loans that are on my credit report that do not belong to me I have been writing to XXXX XXXX  And Transunion since XX/XX/2020 regarding these two accounts and they have not given me anything to work with. Then I decided to open a FTC report regarding this and still nothing. Now I have never opened any loans or signed any papers regarding this loan and yet it is still on my credit. This is affecting my life negatively and I dont need this right now during these hard times. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX checked my credit on XX/XX/year> without my consent. I disputed a late pay only. A request for investigation because I am NOT nor have been 60 days late. They did not have consent for a hard inquiry. When I contacted their office, they advised me that they did not place a XXXX XXXX  XXXX on my credit. It is showing up as an inquiry on my credit reports. They stated there was nothing correct, as it was not done by their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or 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 & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX CARD XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$590.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$360.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.