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

Company has violated my rights,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 U.S. Code 6802 - Obligations with respect to disclosures of personal information,15 U.S. Code 1681n - Civil liability for willful noncompliance, as well as my SCRA rights.
Product: Checking or savings account

The bank has committed a gross violation of it 's fiduciary responsibilities by not allowing the withdrawal of funds for well over a month when MORE than sufficient documentation has been submitted.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint regarding Experian 's inaccurate reporting of civil court records that have negatively impacted my credit status. 

The court case in question was filed in the XXXX XXXX XXXX XXXX - XXXX XXXX on XX/XX/XXXX, for the amount of {$6100.00}. This matter has been fully resolved and paid, with the last payment completed in XX/XX/XXXX. Despite this resolution, Experian continues to report this record inaccurately, stating that my status does not meet property requirements due to this issue. 

I have taken several steps to address this : Contacting the Court and Attorney : I have requested updates and confirmations from the XXXX XXXX XXXX and the attorney XXXX XXXX regarding the satisfaction of judgment. 
Requesting Investigation by Experian : I requested Experian to review and update the information, providing them with proof of full payment and resolution.

However, Experian failed to conduct a thorough investigation and continues to report this inaccurate information. This has caused undue hardship, particularly in my ability to secure housing. 

I request your assistance in ensuring that Experian takes the necessary steps to investigate this matter properly and update my credit file to reflect the accurate status of this court case. 

Thank you for your time and attention. Please feel free to contact me if additional information or documentation is needed to resolve this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX of XXXX I opened an account online with chase so I had a place to do direct deposit. They received my check ( amount of {$1500.00} that was issued on XX/XX/XXXX check number XXXX XXXX XXXX ) and then put it on hold. Well when the hold was released then they closed my account as soon as I tried to withdraw some money from it. Ive called multiple times asking for explanation and to get my money back. They keep saying they cant verify travelers insurance the one that issues my money checks. Ive talked to XXXX XXXX about it and they said the check has been cleared and have given me numbers for chase to call and verify. But chase is denying and saying no number can be verified through their system which does not make any since because for one the numbers all go to the XXXX XXXX  which is the correct place ( I verified for myself ) so how can they not verify it and another thing they already received the funds because the check was cleared, so obviously the check was good because they have the money already. But yet they will not release my account and give me my money back. Its been almost a year since theyve stolen my money and yes thats what they have done stold from me. 
I get a monthly check through XXXX XXXX because I fell and broke my hip back in XXXX of XXXX and XXXX XXXX XXXX, had to have a XXXX XXXX done. So I get {$1500.00} a month until I received the entire amount that they owe me. I never had issues cashing this check from them so I dont understand why Chase is not able to verify them. Its a world wide known insurance company, it shouldnt be so hard. I have tried every approach to get my money back but they keep saying the same thing and wont help me to get the money they owe me back.? It will be a yr in XXXX and Im not getting any interested from them keeping my money either. Its unfair and they have no right to keep my money from m. How can I fix this?
Product: Debt collection

This is a VERY old Debt that was charged off on my XXXX account back in 2009 it is way past the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XXXX of XXXX, I willingly surrendered my vehicle to XXXX. As I was unable to maintain the payments due to financial hardships. At the time of surrendering I only owed a balance of {$6000.00}, the initial loan was around {$19000.00}. After surrendering my vehicle I was never notified of an auction/sale, provided any documentation or additional information pertaining to my vehicle. The balance was reported to the credit bureaus at {$6000.00}, several months later the balance doubled to {$12000.00}. Again without any sort of documentation or explanation provided. I have disputed this loan to the credit bureaus on multiple occasions, without any success. To date, I have no information as to what happened to the vehicle after I surrendered.
Product: Debt collection

I 've received  two calls, one o n Thursday   XXXX   XXXX   at   XXXX   XXXX   and  one t oday    XXXX   XXXX    at   XXXX   XXXX  . Both times they left a voicemail saying, " We have an important message from   XXXX   XXXX   XXXX   this is a call from a debt collector please call  XXXX . '' I have no debts. This is a scam
Product: Vehicle loan or lease

Received an email from Nissan of XXXX in XX/XX/XXXX that offers up to {$30000.00} value for my car in trade in ( I have a XXXX Nissan XXXX with XXXX miles ONLY who i purchased directly from them around XXXX XXXX ) went to the dealership on XX/XX/XXXX and after negotiations we agreed on purchasing VIN # XXXX for {$31000.00} while offering me {$30000.00} for my trade and i obtained a company letter that documents all the details. 
i was going to do my own analysis at home and see sales person and the manager who agreed on the terms in few days since i had doctor appointments to attend to in the following couple days so i told them i will come in few days to complete the deal and take delivery of my new car. Also, we discussed that i am only interested in the 0 % for 36 months finance offer for qualified people since i maintain an exceptional credit rating ( XXXX of XXXX ) through Nissan NMAC and i got a {$500.00} Cash loyalty offer that Nissan sent me with a unique code. 
i arrived on XX/XX/XXXX where the original Sales person and sales manager were on vacation so i had to speak to a new sales person and sales manager who tried their shady sell tactics so i told them that i have everything worked out with the previous sales team and all what they need is to pull the old paper work so we can finalize and take delivery. 
they printed all the original paper work and they had me sign it including a consent to check my credit and all the old numbers which i agreed on with the previous team. i had a freeze on my credit with XXXX  who i did not feel comfortable to remove till we agreed and sign the paperwork which i did unfreeze to allow them to see my exceptional credit worthiness. 
till this point everything was running smoothly ( i assume they were hoping my credit will turn bad so they can change the terms ) after they ran my credit and put 2 inquiries which i asked them to run it only with Nissan and not the local dealership since i am only interested in the Nissan 0 % they did run it twice which it will reduce my credit score and stay on my report for 2 years they came back to tell me that they could not combined 2 loyalty offers which are the {$500.00} loyalty cash coupon from Nissan and the 0 % which is a big fat lie since the {$500.00} is a loyalty cash and the 0 % that is not a loyalty offer and i earned it myself having a super credit rating and even if it was the loyalty offer ( attached ) mention the following ( May be combined with regional Nissan and NMAC incentives to maximize your savings toward the lease or purchase of a new XXXX or XXXX Nissan from XXXX XXXX when financed through NMAC!!!

when i tried to tell them about this they came back and change the trade in value for my car back to {$27000.00}.

all this was done by a shady sales manager named XXXX i think he's from XXXX and while this maybe a standard thing in XXXX we live in the USA and i have confidence that CFPB will take actions to protect me as an honest hard working consumer. i am seeking justice since now i ended up without my new car and 2 dings on my credit reports for 2 inquiries and lost time and effort i spent.
Product: Credit reporting or other personal consumer reports

When contacting Equifax to unfreeze my credit, I followed all of the prompts in their phone tree, verified my information multiple different ways, spent ages going through it, and at the end, it gave me a confirmation that it would FREEZE my credit, when I had explicitly said I wanted to unfreeze my credit. Without giving me the option to fix this, the call was ended. I then had to call back four additional times to try to get through to an operator, three of which ended the call in the same fashion as before. I was only when I found some combination of options to select from the phone tree that avoided any mention of freezes that I was finally able to get through to someone who was able to do this. My understanding is they have a legal requirement to unfreeze my credit upon request, and their customer service setup makes it virtually impossible to do that, in a way that I have to imagine is intentional.
Product: Credit card or prepaid card

I have disputed items since XXXX of XXXX ( possibly sooner, have to check the records sent to the co. over and over ) and have been passed back and forth many many times and waited on hold to be cut off after hours of waiting times and have talked with multiple cust. service agents XXXX confused which departments though as some were paypal and others XXXX 's bank " synchrony '' which is supposedly handling the dispute now XXXX and before ). So they tell me they " reopened the case '' again. I was told at the end of last XXXX that they " misfiled '' the papers I sent them XXXX or 3 times that included pics of problems, their forms with the co. listed etc. 
As of today, XX/XX/XXXX there is still no resolution to this dispute opened almost a yr. ago totalling {$980.00} for the various stores that did not refund spoiled or returned items as they should have and the stores all cited " covid '' in order not to credit after the fact.. 
The last pp agent I recently spoke with said my dispute was closed out last yr. but that it was odd that she could not find any resolution when they closed it out..so they once again reopened it In the meantime, the balance due on the account is LESS than what the disputed amount plus the {$19.00} interest they charged me on the XXXX statement and they want me to pay minimums and will continue to charge interest and report my account negatively to the credit bureaus due to their mistakes! contacting them doesn't help at all and I can't find my messages now either ( you could before they delete them )
Product: Debt collection

I received a letter from Contract Callers Inc on  XXXX   XXXX ,   2017. The letter was forwarded to my new address from an address i no longer resided.
<P/>
Contract Callers Inc, is attempting to collect a debt that is NOT mine.
i request th    at Contract callers Inc. provide verification AND validation of this bill.
provide the name, amount owed, signature of contract, address, tenants of this rental property for this inaccurate utility debt, dates occupancy.
Product: Vehicle loan or lease

On XX/XX/XXXX I financed a car through Bridgecrest. At the time I believed that the interest rate was accurate at 26.314 %, however, on XX/XX/XXXX, upon refinancing the loan with another lender the interest rate dropped to 7.25 %. Bridgecrest would not work with me to lower the interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not take the necessary steps to safeguard my information, as well as the information of many others. Their recent security breach ( announced XXXX XXXX 2017 even though they were aware in XXXX 2017 ) is unacceptable for an organization that freely collects as much personal data as it does without the consent of the people it is collecting on. My only course of action here is to put a fraud alert on my social security number for the next 90 days and hope that my stolen social security number wo n't be used in the future to steal my identity. I do not wish to utilize the proposed Equifax credit monitoring services because it waives your right to be involved in a class action lawsuits against them.
Product: Credit reporting or other personal consumer reports

TransUnion has reported negative information on my credit file fwithout my consent or authorization. I have never signed any application permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither TransUnion nor the reporting agency has provided this documentation. 
XXXXXXXX XXXX {$680.00}, XXXXXXXX XXXX XXXX XXXX  {$3000.00}, XXXX XXXX XXXX {$890.00}, XXXX XXXX {$1600.00} and XXXX XXXX {$410.00} This raises serious concerns about TransUnions compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. The unauthorized reporting has negatively impacted my credit score and financial standing, causing significant hardship. I have not granted them the authority to access or report any information about me under the Fair Credit Reporting Act ( FCRA ). Their failure to comply with these legal requirements has caused undue harm to my credit standing. I respectfully request that the CFPB investigate this matter and take immediate action to have this derogatory information removed from my credit report. I have repeatedly communicated my concerns to TransUnion, including sending notarized documents via first-class mail regarding these fraudulent credit card accounts, which were never authorized. Despite this, TransUnion continues to badger, bully, and psychologically harass me. I need verifiable proof that these credit transactions were initiated by me, as well as proof of identity to confirm who applied for these frivolous debts.
Product: Debt collection

Despite communications with XXXX XXXX who is the original creditor that no balance was due to them, they turned over this bogus balance over to an outside collection agency. I have tried multiple times to find out what happened and merchant keeps giving me the run-around and false promises. In the meantime, they have destroyed my credit on a fraudulent baseless allegation of a balance due which had previously been satisfied.
Product: Credit reporting or other personal consumer reports

XXXX is not reporting a closed auto loan that was in good standing on my credit report. 

In XX/XX/2016 I paid off my auto loan and this loan is supposed to stay on my credit report as it is included in my XXXX credit report accurately. The details are listed below for your review. 

Ford Motor Credit - Omaha Service CenteXXXX Account ending in XXXX Amount originally financed {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries from unknown companies that have shown up on my credit report. One inquiry from XXXX XXXX XXXX, and the other from US SM BUS ADMIN ODA. These inquires are unknown to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment made in the amount of {$1700.00} for Mortgage Payment. Bank returned payment XXXX stating account number inaccurate. Account number was accurate and ACH Department returned payment in error causing 30 day late payment for XX/XX/2022. Bank addressed error but it is still reporting late which is inaccurate. Documentation has been forwarded to credit bureau and late payment is still reporting incorrectly.
Product: Credit reporting or other personal consumer reports

Last month i found out my cousin XXXX XXXX stole my information and opened several loans and accounts under my name. He has since fled to his hometown in XXXX. I need help getting things right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending documents into the credit reporting agencies to remove accounts that have come on my credit report due to fraud and identity theft. I have followed the FCRA. These documents are not being attached and sent to remove these accounts. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I am not getting copies of the verification process from the credit agencies per the FCRA. This is a clear violation of the law.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 The Credit bureaus stated Account Name & Accounts, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report - XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX  XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX ACCT # XXXX -XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX
Product: Credit card or prepaid card

Very simply. Was charged for a service I never received from a company. Had to file a CFPB complaint to get Citi to take me seriously in the first place. 

The claim to have double credited my account 2+ months ago. Now they are saying I have to pay an extra {$100.00} because they made a mistake. I should not have to pay, months after the issue was dead and done because they made a mistake. 

Please not that attached file, shows the debit is going back to XXXX who I should not be paying since they did not deliver when I ordered from them. I am livid
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is failing consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with XXXX  XXXX XXXX online. The application was no processed because they wanted more verification of identity. I called their customer service and spoke with an associate who told me they had not began processing my application at which time I told her Im not sending in any verification of identity and I no longer want the card and I I dont XXXX  XXXX XXXX to to inquire on my credit report. She assured me that they hadnt started the application and no inquiries would be made. But as I checked my Experian report the following there was a hard inquiry by XXXX XXXX XXXX.
Product: Debt collection

I have received that capital one declined my previous request, which is still keeping the account that I did not open on the file. But I have a XXXX to prove that I am not in the United State from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX. And capital one said that the account is opend online. So if the account is open online, how about the transaction? I believe all the truncations that they made is in the UNITED STATE. I am not in the United state, how am I suppose make any transaction in the state?? Once again, I can not use my phone during XXXX XXXX  training started from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. How am I suppose to make that payment in XX/XX/XXXX? I do not really get the points that capital one keep saying its not open fraudulently. I have prove that I am not here, so show me all the transactions that is on the account please. The website for XXXX is below : XXXX XXXX XXXXXXXX XXXX XXXX I will keep fight for my right.
Product: Debt collection

I am writing to you today regarding my American Express business account XXXX that was opened by XX/XX/2019. 

I don`t want to extend this complaint so long. Just want to say that I am really surprised on how American Express is reporting a business account as personal. 

This can not happen! 

I have made my reaserch, and all the proper documentation to make Amex`s job eassier is attached. Please send the attached documents to Amex. 

Thank you, CFPB.
Product: Debt collection

Heartland resolution group calls my phone repeatedly. They call multiple times over the course of a few minutes, then call back again multiple times within the next few hours. Please see below documentation of XXXX XXXX phone number in call log.
Product: Checking or savings account

Hi I had a PNC CHECKING FIR 2 YEARS AND JUST OPT INTO OVERDRAFT PROTECTION AND HAD IT 2 WEEKS AND GOT HIT WITH 12 OVERDRAFT FEES. I AM A VICTIM OF IDENTITY THEFT AND BELIEVE MY ACCOUNT WAS PLAYED WITH I SHOULD ONLY HAVE 1 OVERDRAFT OF XXXX DUE TO MAKING A MISTAKE AND CLICKED ON MY DEBITCARD. WHEN I MADED A PURCHASE OF XXXX. I AM A XXXX  CITIZEN AND THESE PURCHASES WERE DEBIT AND ADDED BACK A LATER DATE AND MADE MY ACCT OVERDRAWN. ONE XXXX  OF XXXX FROM MY SISTER WAS ATTACHED TO OVERDRAWN FEES AND THE MONEY WAS POSTED BEFORE I SENT TO MY XXXX  XXXX AND ITS NOT RIGHT. PNC KNEW I AM A VICTIM OF IDENTITY THEFT.