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

Hello, I am contacting you today because all three companies XXXX, Equifax and XXXX have violated my rights over a time period and broken the law 15 u.s.c. 1681 a ( 2 ) ( a ) ( ii ) states that experiences and transactions late payments charge offs credit, utilization, inquiries, and other judgments and etc. should not be reported due to the fact that these companies have broken the law, I would like to have automatic deletions and removed from my credit report from all three companies. As a reminder willful noncompliance is also against the law says 15 u.s.c 1681 ( N )
Product: Credit reporting, credit repair services, or other personal consumer reports

There's been information being reported on my credit report without my consent by Equifax. There's been a breach in their system and I was affected by it. My information was leaked to the public. I tried to resolve this issue with Equifax which they refuse to assist me with furnishing my information without my consent, which is a violation of my privacy.
Product: Checking or savings account

Subject : Urgent Assistance Required : Dispute with XXXX XXXX and Chase Regarding Refund Dear CFPB Representative, I hope this message finds you well. I am writing to seek your assistance with an issue concerning a refund and subsequent lack of resolution from Chase. 

I recently received a refund of {$1300.00} from a purchase made from XXXX XXXX on XX/XX/XXXX, which was deposited into my account. However, despite this refund being processed, Chase is currently refusing to provide me with the refund amount that I am entitled to. Despite my efforts to resolve this issue directly with Chase, they have not provided a satisfactory resolution. 

Given the circumstances and the lack of resolution from both parties, I am prepared to pursue legal action to address this matter. I would appreciate your guidance on the next steps and any assistance you can provide in facilitating a resolution. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I had a dispute with a seller about a transaction which I initiated through XXXX and then initiated a chargeback through Chase. This was done on XXXX, XXXX. Fast forward today, XXXX claimed that I won the case and they sent the money to Visa a long time ago ( in XX/XX/XXXX ). I have confirmed with chase that they have never received any money from XXXX or visa either. In addition, Chase claims that they can not speak to Visa on my behalf either. I need to speak with someone at Visa because the funds are now missing and XXXX and Chase does not have them. I tried to speak with Visa before and they told me to speak to Chase, who again, is telling me they can't contact Visa.
Product: Credit reporting or other personal consumer reports

XXXX. Incorrect information on credit file. 
XXXX, XXXX XXXX keeps pulling money from my account, despite no payment plan XXXX, Accounts have been closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to all XXXX credit bureaus that I had a paid service to remove all debt from my credit in XXXX  and this was not done when I pulled my credit reports. I filed disputes with credit bureaus about this and nothing was done. They denied my request without properly investigating my case and I know they used E-Oscar system. They did not do a thorough investigation at all. 

XXXX XXXX XXXX XXXX XXXXXXXX that were in my name not the one I am an authorized user on. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The credit bureaus are in violation of Section XXXX of FCRA. 


Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I spoke to my local US bankruptcy courthouse here is XXXX XXXX Nevada. I was advise by XXXX XXXX that Bankruptcy court does not give out personal records regarding bankruptcy to ANY 3RD PARTY companies AT ALL. That is against the law to share any personal information with anyone. I have made many attempts to get the credit Bureau to remove of my credit due to the fact they had no rights to add the bankruptcy to my credit report at all without my permission.
Product: Debt collection

Recently closed her Synchrony/JCPENNEY credit account ending in XXXX. At the time of closing and cancelling of the account in question, She was told there was a zero balance. 
She continued to receive statements showing balances. She wrote a check for the balance {$31.00}, XXXX check # XXXX dated XXXX/XXXX/2015. 

She continued to get statements. On calling she was told that the reoccurring fee was for life insurance. She told the Synchrony /JCPENNEY agent that she never ordered life insurance. The fact that the account was closed with a zero balance fell on deaf ears. At this time it was communicted to the Synchrony /JCPENNEY agent that her perception of the continued statements for insurance she nver orderd is HARRASMENT. In this case elderly HARRASMENT. At this time it was communicted to the Synchrony/JCPENNEY agent the desired resolution. She asked for removal of the fees for the life insurance that she never ordered. The Synchrony /JCPENNEY agent was also advised that if the harrasment continued, complaints would be filed with the CFPB the FTC and the Texas State Attorney General. 
The statements continued. Another call was made to Synchrony JCPENNEY. At this time a request was made to speak to a manager She was told that a manager was not available. Again the fact that she never ordered this life insurance and felt harrased, fell on deaf ears. At this tme a verbal cease and desist request was made. XXXX continues receive the threatening statments from Synchrony JCPENNEY.
Product: Credit card

The interest on my card is reflected as part of the minimum payment and again applied as a purchase against my available credit. It appears to me to be double dipping. the interest depletes my payment. Reducing the amount applied against balance. Then again applied against the available purchasing power.
Product: Debt collection

During my XXXX I was insured by medicaid. I was under the impression that medicaid would cover all cost. When i called the collection agency they mentioned to me that this debt could have been from the XXXX/XXXX that was given to me.
Product: Credit reporting or other personal consumer reports

Despite multiple communications and efforts on my part, these unauthorized transactions remain unresolved, and the lack of progress is unacceptable. Discovered unauthorized transactions on my account statement. Immediately reported the fraudulent items to your customer service department and was assured that the matter would be investigated. Followed up to inquire about the progress and was informed that the issue was being escalated for resolution. Received notification of an investigation but no tangible progress in removing the fraudulent items. Made additional calls and submitted supporting documentation, but the unauthorized transactions persist. This prolonged and unresolved situation has caused significant distress, and I am deeply disappointed by the lack of action taken to rectify this matter promptly. I insist on a resolution within the exact timeframe from the date of this letter. The following items should be remove as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

THIS COMANY IS REPORTING A NEGATIVE REPORT ON MY REPORT AND I HAVE ALREAD YED THEM PLEASE REMOVE FROM MY CREDIT THANKS
Product: Mortgage

We were told by a BBVA Compass bank loan officer that we can apply for a cashout refinance mortgage on the type of property we own. They charged us {$520.00} for an inspection upfront but at the last minute they canceled the inspection because they decided they did not want to refinance our type of property. They promised us a refund but they never refunded our money. It has been more than 4 months. We have called, texted and emailed several times about it but they are not responding to us.
Product: Money transfer, virtual currency, or money service

I applied to a XXXX XXXX for XXXX XXXX in XXXXXXXX XXXX on XXXX in late XXXX ( it was to be a remote job ). The supposed employer got back to me and instructed me to cash a check of {$2100.00} in order to purchase materials ( a computer, printer, etc ). I did so and I was able to cash the check at Bank of America. After a series of messages ( on XXXX through a supposed person named XXXX XXXX ) raised concerns for me, I told them that I no longer wished to work with them and would return the funds. I initiated a wire transfer ( to return the {$2100.00} to XXXX XXXX at XXXX  XXXX XXXX  ), as I was still under the impression through Bank of America, that the funds were in my account. Days after sending over the money, I checked my account only to see that the wire transfer went through and that the check that they originally sent to me was fraudulent. I contacted Bank of America, but they were not able to reverse the transfer and did not offer any assistance regarding the fraudulent check that was supposedly cashed in my account. As a result, I sent over {$2100.00} of my own money. I initiated a fraud claim with Bank of America on XX/XX/XXXX and filed a police report that same day. On XX/XX/XXXX, they alerted me that they were unable to retrieve the funds and the case was considered closed on their end.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed accounts listed that I did not give permission. The collection agency has not provided sufficient proof of ownership or authority to collect the debt. 15 USC 1681e ( b ) of the Fair Credit Reporting Act, states If I didnt give written consent its considered identity theft. I did not give any reporting agency permission to report this inaccurate, unverifiable information to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have gotten multiple charges for transactions I did not make I tried communicating with them and making claim which got denied, I tried reaching out to work something out to appeal the decision but they arent willing to keep working with me after someone made fraudulent transactions on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX & MS Services LLC are reporting a debt of XXXX I was XXXX  and forcefully removed from my place of living in XXXX and was homeless from XX/XX/XXXX THROUGHOUT XXXX AND XXXX TILL XX/XX/XXXX. 

They are passing the buck on the consumer whom has already suffered enough. I have found over 8 fraud accounts on my credit including this one. I had NO access to any online accounts or home or internet access ( infrequently ) during my homeless bought. I filed fraud claims online on identitythieft.gov and with XXXX faxing in a document today by a bank manager.

When I call MS Services they refer me to XXXX  when I go to XXXX  they send me to MS SERVICES.
Product: Vehicle loan or lease

Originally, I financed a XXXX XXXX accent for {$13000.00} in XXXX of XXXX. The company is CNAC/JD Byrider. I was in a bad financial situation and at the time, could afford the car. The car is valued at {$3000.00} per XXXX. I have had numerous harassing calls and emails ( 2-3 ) times each. The company, CNAC, has sent someone out to my house one a week for the last three weeks banging on my door, sitting in the driveway honking for 5 minutes straight. In addition, they call each of my references each day of the week 2-3 times. The staff has been unreasonably disrespectful each time I call. I am paying for some sort of collateral insurance every two weeks with adds an additional {$100.00} to the car payment although I have full coverage insurance on the car, which was submitted to them months ago. I am paying $ 430 monthly, about {$210.00} biweekly, for this car. They've threatened to repossess it numerous times. I will explain a situation and they refuse stating " there is no grace period. '' I changed jobs in XXXX of XXXX and informed the company of my new payment schedule. They never changed it. They attempt taking automated payments out of the account without my consent. Prior to the XXXX  manager switching, I never had this problem. I would call on the due date of the car and make the payment. This company has taken too much money from me and harassed myself and family members. I recently left my place of employment and begun looking for a new job. Still, this company continues to harass every day. They are far more concerned with money rather than the consumer. 

I have paid around {$3500.00} on the car, yet somehow owe {$12000.00}. The interest rate is far too high on the car as well. It is getting to the point i will not be able to make payments.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report TRANSUNION Dear Sir/Madam , After TRANSUNION completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX - XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX AND XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the TruthinLendingAct.
Product: Debt collection

Convergent outsourcing is reported I have an account opened with XXXX XXXX in XX/XX/21. This information is false. Any accounts Ive had in past years ( XXXX ) was closed in good standing. Have requested itemized documentation to their claims and they have failed to provide it. I have disputed for a second time as well. Any help to have them remove their false reporting on my credit report would be appreciated.
Product: Mortgage

My wife and I are elderly consumers ( XXXX and XXXX  years of age ) selling our primary property which is currently under contract for sale. Upon receiving notice of the Title Commitment search from the buyers title company, It was discovered that my title had an open Lien for a Home Equity Line of credit which was never used. Said lien was with Suntrust Bank f/k/a BB & T and n/k/a TRUIST XXXX My wife and I Immediately contacted Truist Bank and personally went to the branch on XX/XX/2023, and Spoke to XXXX XXXX XXXXBranch Leader at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX XXXX On that date XXXX XXXX assured us that he will request a Lien release with the appropriate Dept to resolve the issue affecting my title. On XX/XX/2023, we visited the branch this time with my realtor and Legal representative to help us and assist us with the pending title issue, and again met with XXXX XXXX who further assured us the bank was processing our request. Every week since my last visit ( on XX/XX/2023 ), I have been following up with XXXX with no valid answers. On XX/XX/2023, my attorneys office Email XXXX XXXX for a follow up with no replies to my attorney. Furthermore, on XX/XX/2023, we called customer service and after being transferred too many times to count, we finally spoke to someone in the Lien Dept XXXX XXXX ) who advised us our request was never made from the date we first visited the branch on XX/XX/2023. The negligence of XXXX XXXX on behalf of this Financial Institution has caused us a great deal of Inconvenience to my wife and I whose health is in a decline status. This issue has debilitated us every day we dont receive a valid response from TRUIST or Its Employees. 

Liability is clear in this matter. Truist Bank must CLOSE OUT the LINE OF CREDIT under Suntrust Bank and issue us a SATISFACTION OF MORTGAGE Immediately as a full month has passed us by to no avail. 

I am disappointed, frustrated, and lied to by Truist, XXXX XXXX and TRUIST employees. 

I demand an Immediate response before I seek legal action. 

Respectfully, XXXX XXXX XXXX XXXX XXXX Truist Client
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems like every year the credit bureaus removes all of my history rating data and every year I have to come back and file a complaint in order for them to fix it. I have contacted the creditors, XXXX XXXX XXXX XXXX XXXX XXXX and U.S Department of Education by way of the student loan database to see if anything has changed and it has not. All account have been reporting through the national student loan database since 2004, while reporting all transfers and consolidations, as " paid consolidated accounts '' the credit reporting agency has the status as multiple statuses not matching what is being reported by the creditor. I have consolidated 6 times since 2004 with the last XXXX consolidations being removed by Transunion, XXXX and XXXX. Now they are removing my history ratings from those installment loans and am being givin a hard time for them to put the information back. That is close to 20 years of installment loan history removed from my credit report and the loans are NOT CLOSED!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The original debt was charged off in XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this collection post is a complete fraud perpetuated against XXXX, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company. Now XXXX XXXX is extending the fraudulent activity to a fourth party collection service called Financial Recovery Services Inc. There is absolutely no connection to a valid debt, and my name must be deleted immediately from all corresponding files.
Product: Credit reporting or other personal consumer reports

I have known that i was a victim of identity theft for a while now, however i have been unsucessfull in. getting this account removed. Finally i have to resort to filing a police report. The account is XXXX XXXX. Please block this account from mycredit as required by law.