23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I sent an email on XX/XX/XXXX to let the company know that i was XXXX to a secret location and i would not have access to any communication and I wasted to be covered by the Civil relief act for Soldiers. They never responded to me. I called again on XX/XX/XXXX and they asked me if I wanted to make a payment. They never sent me correspondence or advised me that my account was charged off. When I called on that day I paid the account off in the amount of {$5900.00} and they mailed me my Title. Even though I paid the account in full they still charged off {$7200.00} of the Account selling it to another company. If they charged it off, I would like to receive my money back with interest and the account moved from my credit file because their practices are criminal in taking advantage of military individuals.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed some fraudulent accounts per FCRA subsection 605b and 15 usc 1681c2 I ask that you block the following accounts immediately XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

On XXXX XXXX XXXX I cosign for my sister a car in which later me and her had a problem getting on the same page about the car and insurance and payment in which I made the decision to take the car back to the dealership to have them take me off the loan or take the car back. I spoke to the finance manager XXXX XXXX on friday XXXX XXXX 2017 in which i had the car with me to return it was at XXXX which she stated that the finance place that she went threw was closed and said that she will reach out to me on XXXX at XXXX in which she didnt so around XXXX when i got off work i went back to the dealership which is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Mo. XXXX and spoke to XXXX XXXX again and she said when she got to work this morning and said they said it was to late the loan has been sent already. I ask for the number to call and speak to them and she did so I called and talk to an rep name XXXX in which she stated that she couldnt give me here last name i said ok i gave here my name and social to look up the account she said that there was not an account yet because it takes up to 30-45 days i told her that i was trying to return the car because I didnt want my name on the car because of personal reason she then stated that the dealership can do that since there is no loan yet so I had them page XXXX again told her what the young lady said she said that they dont know what they are talking about and there is nothing that she can do and i told here that she can and she said there is not so i decided to take the next steps.
Product: Credit reporting or other personal consumer reports

I dont know who these company 's are that are doing these inquire on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Chase Bank Marriott XXXX points apparently are seen by Chase, Marriott and in our account but nobody can figure out how to access them for an upcoming vacation that was booked months ago. See attached screenshot of points. We contacted them last Friday spoke for XXXX mins. Today - no return call. We leave Wednesday morning
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : items in dispute : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Name XXXX XXXX XXXX Name XXXX XXXX XXXX Name : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As XXXX XXXX XXXX Also XXXX As : XXXX, XXXX, XXXX Former : XXXX XXXX XXXX Former XXXX XXXX XXXX Former XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CO XXXX XXXX Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CO XXXX
Product: Bank account or service

This is a continuation of XXXX # XXXX As of yesterday I received a letter from Wells Fargo stating that we said the consumer never provided services. This is NOT what was to them and this NOT what was sent in WRITING to them as well. It stated for me to call XXXX XXXX XXXX XXXX in this letter they sent me and to speak to a XXXX person XXXX for further questions and assistance. Called yesterday twice was told I would have a returned call by the end of the business day this did not happen. I called again this morning not at her desk. Nobody is willing to help us she does not return phone calls. 


We opened a business account at Wells Fargo, We used our debt card with XXXX logo for a purchase that turned out to be fraudulent. We received notice from them stating it was fraudulent. Then we were told our business account was opened incorrectly, and we had to open a new account. About 1 month after we were told that it was deemed fraud they came back and said it was n't. I talked to XXXX customer services, and their visa department got absolutely no where.
Product: Vehicle loan or lease

My car was stolen and now I have a total loss claim. My car insurance and my gap insurance is ready to pay this company. However, they are dragging their feet and taking over 90 days to complete a letter of guarantee in order to get paid by the insurance company. I am the victim and I can not get a new car or a new line of credit like a mortgage because this claim is still open and not paid off yet. I feel that my claim is purposely being delayed and they are violating my rights as a consumer if I have all the proper documentation And main insurance with gap insurance why is this company taking too long to accept payment?
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My PSLF has not been calculated correctly. It is showing as XXXX when I have had time in forbearance and previous payments. Im just trying to get ahead and continue to be knocked down. They also havent factored in my wifes XXXX plan with mine and are impossible to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Acct name : XXXX  ( closed Accounts ) Acct name : XXXX XXXX XXXX XXXX closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXX XXXX  ( closed Accounts ) 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Product: Debt collection

First National Collections purchased this loan from XXXX. I informed them that someone opened this account at a address which does not belong to me or never resided at and advised them to validate and verify. First National Collections has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.
Product: Debt collection

XXXX is attempting to collect on a debt despite a binding arbitration agreement requiring disputes to be resolved through arbitration. They have continued collection efforts, including damaging my credit, in violation of this agreement, causing unnecessary stress and confusion.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts continue to appear on my credit report despite my previous disputes. I filed an FTC Identity Theft Report ( # XXXX ) and submitted disputes to the credit bureaus. As a result, some fraudulent accounts were removed, but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain, despite clear evidence that I did not open them. Additionally, there are fraudulent inquiries associated with these accounts. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. By keeping these unauthorized accounts on my file, the bureaus are violating my rights under federal law and causing me financial and emotional distress. I am a college student, and this fraudulent activity is severely impacting my ability to build and maintain good credit. 

Furthermore, I am requesting a Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). If these bureaus claim the accounts are valid, they must provide documented evidence of how they verified the accounts as belonging to me, including original applications with my signature. If they can not provide this, they are legally obligated to delete them. 

The following fraudulent accounts remain on my credit report and were not opened, authorized, or initiated by me : - XXXX XXXX Account XXXX XXXXXXXX, opened XX/XX/year>, balance {$730.00} - XXXX XXXX ( XXXX XXXXXXXX XXXX ) Account XXXX XXXXXXXX, opened XX/XX/year>, balance {$6800.00} - JXXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX opened XX/XX/year>, balance {$12000.00}
Product: Debt collection

Ive never had a XXXX mobile phone, AT ALL, theyve sold a debt Ive never had to Transworld, they call my phone repeatedly everyday and its very exhausting. Please get these charge offs, off my credit they are inaccurate and untrue
Product: Debt collection

Pro Collect Has told me that they do not have to provide me with papers I have supposedly signed from a debt that i do not owe 3 years ago. I did not even know existed they were rude and told me they will send me mails and call monthly until paid. they are rude and provide no proof of what i supposedly owed. the Apartments were no help also stating they could not find my record are my lease.
Product: Credit reporting or other personal consumer reports

It has now reached a point where I can no longer tolerate the sheer incompetence and apathy exhibited by your bureau in addressing the fraudulent bankruptcy entry on my credit report. Despite my numerous attempts to have this blatant error rectified, it continues to persist, and I find your lack of action nothing short of infuriating. 
Bankruptcy XXXX XXXXXXXX Reference number : XXXX My previous correspondences and escalations have fallen on deaf ears, and your apparent indifference to my predicament is nothing short of infuriating. Your failure to take meaningful action on this matter reflects poorly on your agency 's credibility and competence. It is high time you acknowledge the gravity of this situation and take immediate steps to rectify it.
Product: Credit card

I have tried to use the online cash back redemption on my Capital One card for several months. I have emailed the error messages I have received, on multiple occasions, to Capital One yet they continue to ignore the issue asking ME to call their IT department.
Product: Checking or savings account

A check which was supposed to go to Oil company ( I mailed it on XXXX XXXX ) was stolen and forged. A person stole the check, changed everything ; date, amount, to whom, signature. Back of the check was not signed. The check was cashed on XXXX the XXXX. I noticed it when looked at my account on the online banking on XXXX the XXXX. I spoke to a bank person at Bank of America on the same day ( XX/XX/XXXX ). The bank put {$5000.00} back the day as temporarily solution ( XX/XX/XXXX ). I went to Police station to make a police report ( Police report # XXXX XXXX XXXX  XXXX XXXX and gave it to the bank ( XXXX the XXXX ). I have been talking to the bank people at investigation Department several times, but the bank has not return our money fully yet.
Product: Checking or savings account

Please reference previous complaint filed with XXXX XXXX XXXX, case # XXXX. The bank has issued a response dated XX/XX/XXXX. Please note the response does not address our original complaint. 
A summary of the previous submitted complaint : An IRA CD was taken out with XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX. The amount of the IRA CD was $ XXXXPNC later took over XXXX XXXX XXXX Notification was never received from PNC Bank as to the disbursement of the IRA CD. In checking with other institutions there is additional paperwork required to transfer, close this type of an account ( IRS rules for and IRA CD ). Previously PNC was contacted in an attempt to locate my money. PNC was unable to locate any records of the IRA CD.  Instead PNC responded with reference to two other savings accounts. THIS IS AN IRA RETIREMENT ACCOUNT. PNC can not simply use the excuse there is no record of the account. It is incumbent of PNC to make sure there is proper paperwork for an open IRA CD. Justification would have to be made for IRS purposes to to track the location of IRA account dollars. It appears PNC " lost '' our money. Bottom line we have the paperwork it was an IRA CD. PNC should be required to produce their paperwork to justify they no longer have the money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, I am writing to request an update to my personal information on file with your agency. Please find the correct and accurate details below : XXXX. Full Name : XXXX XXXX XXXX XXXX. Date of Birth : XX/XX/XXXX XXXX. Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX. Employment : XXXX XXXX The current information listed on my credit report may be incomplete or inaccurate, and I ask that you update it accordingly. 

To assist in verifying my identity, I have enclosed the following : A copy of my government-issued ID ( drivers license or passport ). 
Please process this request and update your records at your earliest convenience. I would appreciate a confirmation once the changes have been made. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/2020 I attempted to make a money deposit to the website XXXX. I was notified with a message that states, " PNC has made a change that prevents you from being able to link your accounts. '' I would like access to move money from my own bank account to said website.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed information on my credit report with TransUnion regarding inaccurate information being reported. There's a XXXX XXXX reporting XXXX days late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All other payments before and during these said dates are all on time which makes this information inaccurate and I have tried desperately to get this fraudulent information deleted from my report with TransUnion. Their response is this information has been verified all while the information is clearly inaccurate and needs to be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a False Bankruptcy reporting on my credit report. I have requested the removal of this item several times. ( Account XXXX ) This is illegal to report false information This bureau has stated several times it verified the item thru XXXX XXXX which is false. Attached is a copy of my XXXX XXXX  report stating there ins no item reporting. I will be forced to file a lawsuit if this item is not removed immediately.
Product: Debt collection

This account is fraud or identity theft! This isn't my account or something I did. This collection company hasn't made any attempt to verify to see if it was my account. This is a fraud account or fraud collection. Either way this isn't my account.
Product: Debt collection

My son lived at an XXXX XXXX called The XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. There was a fee post move out. I did not receive the emails and a notice was never sent to my home. When they finally contacted me with the second collection notice XX/XX/XXXX, I sent a check to them per the instructions in the email ( attached document ). The check was cashed ( attached ) in XX/XX/XXXX. On XX/XX/XXXX I received a call from the collection agency in which I told them that I paid the bill directly to XXXX XXXX  per instructions in the email. I also provided them a copy of the email instructions from XXXX XXXXXXXX along with a copy of the cashed check. XXXX XXXX for ProCollect informed me that they had not filed for collections but would if I did not provide evidence. ProCollect filed collections and it is now on my credit.
Product: Credit card

On XX/XX/2024 I filled out an application for a Frontier Credit card while I was on a return flight from Utah to XXXX. On XX/XX/2024, I received the card in the mail. I activated the card by using the QR code on the card. I completed the online account creation. On XX/XX/2024 I went online to add my husband to the account and saw the account read " closed '' in a couple areas on the page, but also that there was an XXXX charge for the yearly APR, I had been given a XXXX credit limit. I thought the " closed '' was just a glitch in the system or something I would have to call and check on since I had just received the card the day before. I was able to add an authorized user, so I added my husband and received a message that he would receive a card in 7 - 10 business days. 

I tried to use the card at two different places because one of the conditions was you had to spend at least a dollar within the first few months of owning the card to get additional rewards. The card was declined both times. Today, XX/XX/XXXX at approximately XXXX, when I called to find out why my card would not work I was informed that I had called on XX/XX/XXXX at XXXX and reported fraud and requested my account be closed with no other card issued. I did not call on XX/XX/XXXX. I never reported fraud. I did not request my account be closed. I spoke to two people at Barclay today concerning the card but they insisted I had called and reported fraud and closed the account. They informed me I could reapply for a new card if I choose, but none of the 1st time cardholder perks would apply. 

I am distressed by the fact that Frontier made promises concerning the card yet I was never able to use it. 

I can not get into the online account for this card anymore. When I try to log in I get an error security message. I am very concerned because something is very suspicious about this whole situation. I gave all my personal information to Frontier in good faith when I applied for this card. 

Please let me know what my next steps should be. 
Thank you.
Product: Credit reporting or other personal consumer reports

AMEX reported an inquiry on my consumer report without providing written disclosure to such inquiry being reported nor did they provide me with the option to opt out of my information being reported.