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

I have had the same two credit cards, have banked at XXXX XXXX XXXX for thirty-seven years, have had no hard inquires, have always paid my bills on time ( except for a bill that got lost in the mail over twenty years ago ), and out of the blue TransUnion lowered my fico score twenty-four points. I called them several times, and they hung upon my three times. I filed a complaint with CFPB ID XXXX. Their response was gibberish. The resolution I sought was that TransUnion raise my fico score back to XXXX. They never addressed that, and claimed I requested that they cancel the investigation. I never did.
Product: Credit card

You ALL CONTINUE TO ALLOW THIS COMPANY TO LIE DEFRAUD & SCAM PEOPLE I WILL BE CONTACTING MY ATTORNEY GENERAL 'S OFFICE & FILING LAWSUIT AS WELL! THESE PEOPLE ARE LYING I HAVE MADE OVER A THOUSAND DOLLARS IN PAYMENTS ON A CLOSED ACCOUNT BUT YET MY BALANCE CONTINUES TO RISE! I AM A SINGLE XXXX MOTHER OF A XXXX XXXX  XXXX & THIS IS CONTINUING TO HURT MY CREDIT & CAUSE MENTAL, EMOTIONAL, PHYSICAL & FINANCIAL DISTRESS UPON ME & NOBODY SEEMS TO CARE! I PROVIDE PROOF & YET YOU ALL KEEP OVERLOOKING THOSE FACTS! THESE PEOPLE HAVE TOLD NUMEROUS LIES AND YOU PEOPLE ALLOW IT! THEY HAVE NOT SENT ME ANYTHING & THERE'S LAWS IN PLACE TO PROTECT US CONSUMERS BUT YET THESE PEOPLE KEEP VIOLATING THEM AND YOU ALL ALLOW IT! TRUST THE ATTORNEY GENERAL WILL GET TO THE BOTTOM OF IT & HOLD THEM LIABLE! MY ACCOUNT HAS INCREASED YET AGAIN AND ITS STILL NOT WHAT THEY KEEP CLAIMING IT IS! I WILL FIGHT THESE FRAUDULENT PEOPLE TO THE END & WILL HAVE A CLASS ACTION LAWSUIT CAUSE ITS THOUSANDS OF PEOPLE THAT THEY'RE DEFRAUDING THIS WAY
Product: Credit reporting or other personal consumer reports

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than XXXX years, or both. Provided FTC report and Identity theft police report plus inquiries that were not mine. I have contacted Equifax directly and they ignored my request and reports from law enforcement. Sent disputes letters with every document requested.
Product: Credit card or prepaid card

Capital One sent me an email on XX/XX/XXXX stated that if I applied for their XXXX credit card, I will get {$300.00} signup bonus after approved and spend {$500.00} within 3 months. 
So I applied and got approved on XX/XX/XXXX. 
I spend a total of {$610.00} by XX/XX/XXXX. But I didn't get the {$300.00} as advertized. 
I called, was told the bonus will appear within 2 billing cycles. But it has been more than 2 months, Capital One still didn't give me the {$300.00} sign up bonus.

I called them today explained everything, but they customer service rep transfered me to another department, but I got disconnected.

I called again explained the situation again, they kept giving me a run around. 
I spoke to a supervisor name XXXX badge # XXXX, but she wouldn't give me the real reason why I am not getting the bonus. 
There is no where for me to turn to, signed up and pent {$610.00} on the credit card because of the ad they sent me. Now they are not give out the bonus as advertized. Capital One misled me.
Product: Credit card

I was enrolled without my knowledge or consent in " XXXX '' and " XXXX '' ( the name of the service changed ) from XXXX XXXX XXXX. This activity was deemed " unfair and deceptive '' XXXX I never requested this service or product. I never used this service or product. I never was told about this service or product. When I became aware this service/product was being charged to my account every month, I requested it to be removed. It was removed twice and added back on twice to my account without my consent or request. There were many hoops the customer service department had me jump through to remove this from my account. I was told to call XXXX as this was a separate company from Citibank and Citibank could not remove the service from my account. When I did so, XXXX informed me they could not find my account as it required a XXXX digit number and my card was XXXX digits ( the card is a Citibank XXXX, so it is XXXX numbers ). When I called Citibank back, they then transferred me and were able to stop the service, though a few hours prior, I was told that was not possible. I was eventually transferred to the XXXX Department within Citibank. I spoke to multiple customer service representatives. Eventually, after being on the phone for more than 4 hours and speaking to no less than XXXX people, I was able to get the service removed. 

I have paid {$3000.00} into " XXXX '' plus interest. I asked customer service for a " lifetime total '' of what I paid into this service and they could " not release that information to me ''. I requested my past statements to be mailed to me and I was told I could download them online. I began to do so ( you can download up to 6 per day and it takes XXXX48 hours to process ). I was able to obtain XXXX XXXX XXXX before I was spontaneously unable to download any further statements. I was able to pull my past transactions from XXXX which shows the payments made towards " XXXX '' from XXXX XXXX XXXX. The only statements missing are XXXX XXXX XXXX, but those can be estimated based on the other statements. Based on this, I was able to determine I paid {$3000.00} into " XXXX XXXX '' and " XXXX '' over the past 8 years. With interest, who knows. Much more.
Product: Debt collection

I have called various times to this agency to verify my debt but they do not gove me full detail of my balance owed.
Product: Checking or savings account

As of XX/XX/22 I have not been able to access my online banking with PNC Bank. I called and spoke with a representative on XX/XX/22 and XX/XX/22. I still can not access my account on XX/XX/22. 
This is not the first time this has occurred and last time this happened it was WEEKS before the issue was fixed.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, an auto loan account opened at XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed two unauthorize inquiries on my Transunion/XXXX Credit Report. I have reached out to the reporting companies, and it appears the issue remain unresolved.
Product: Checking or savings account

I had a debit card with cashapp ( XXXX XXXX  ) that had become stolen/compromised and I reported it as such to cashapp to which they said it was canceled but afterwards I still got a bunch of scam attempts made which thankfully didn't go through but the fact that they almost did made me decide to check if my reported compromised card would still allow me to buy stuff online from places like XXXX to which an order did successfully go through which it shouldn't of cause cashapp assured me that the card was canceled so I asked them why this happened and they said it's my responsibility to contact every business and ask them to remove my card info because cashapp will not be disconnecting any card from accounts regardless of if they are reported as stolen/compromised including the scam business that have no email or phone numbers to which they then responded by saying if i can't reach a business i should use their " business blocking '' feature but that didn't work cause I would block one and 2 more would make more fraudulent attempts. I asked them point blank " is cashapp refusing to remove cards from their affiliated accounts even though they have been reported as stolen/compromised and have had reported attempts at fraud '' to which cashapp immediately ended my support chat. It is crazy that cashapp refuses to do the bare minimum standard that pretty much every banking institution in the US does when a card is reported stolen/compromised.
Product: Payday loan, title loan, or personal loan

I borrowed {$500.00} from this company in XX/XX/2019and they were taken {$97.00} a month on my check every two weeks to pay off the loan and XX/XX/2019XXXX I lost my job and enter the compound double
Product: Money transfer, virtual currency, or money service

No live person to speak with about the monies taken
Product: Payday loan, title loan, or personal loan

I needed a small loan of {$500.00} and when speaking to the consultant on the phone ( XX/XX/XXXX ) I was very specific about that number despite them trying to push a larger amount on me. She assured me that though I was approved for around 2k, I would only be getting the {$500.00}. Once I looked at the contract ( which I no longer had access to once it was signed by the way ), I saw that they had me set up for 16 payments of {$140.00} which far exceeds what I borrowed and the initial interest discussed ( which I can't recall at the moment but will never be able to confirm since I can't see the contract anymore ). I expressed this concern to the consultant who assured me that I wouldn't be paying that much if that's not what I borrowed and can always pay off my quote early to end it. 

Well, several months and about 1k later, I'm still making payments. I've called twice, the first time when I mentioned I wanted to talk about my payments, the phone operator became very short with me and told me she'd have someone call me back. That never happened. I called again and I got into a small argument with another person who told me that I agreed to keep paying because I didn't pay off what I owed early and that because I didn't, I agreed to have 60 % interest added on every time which is why I'm still paying toward over 2k. That was never mentioned in my first phone call with them and I don't remember that being part of the contract, which, once again, I do not have access to anymore. 

Based on other reviews I've seen about them, they are hands down a predatory lending company and I'm afraid that they are not going to contact me about this like they said they would since that didn't happen the first time.
Product: Debt collection

I have had issues with loss of work and/or non full time work. I have paid several accounts off by settlement over the phone. I also had two garnishments of pay in 2019. Portfolio recovery calls me EVERY DAY. I have made an offer to pay XXXX dollars on several occasions to settle the debt. They have called my basically every day for the pat several months. The debt is from a credit card that has late charges on it. They refused the payment each time I offered and wanted me to make large XXXX time payment or make reoccurring automatic payments for full amount. They also threaten me with garnishment. I make XXXX a year with one minor dependent. My rent is XXXX plus utilities/trash removal and water. I pay all bills ( car payment, insurance, food, etc ) and I am only eligible for XXXX a month in food stamps. I am considered at poverty level for my household size.
Product: Debt collection

Someone rented an apartment on XXXX. Apparently someone signed the lease virtually without my consent. I do not know who started this lease. The person who used my name was evicted before the lease expired. A debt collection is reporting the money owed on my credit report. The company is Rent Debt Automated Collections LLC. The amount they are reporting is {$5300.00}. I have told them this is identity theft but they won't remove it. The debt collector sent me a copy of the lease which has my name but it's not my signature. It says the date signed is XXXX. The paper the debt collector mailed to me says the creditor is XXXX XXXX XXXX. The mailing address of Rent debt Automated Collections is XXXX XXXX XXXX XXXX XXXX XXXX The main address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Their phone number is XXXX. 
I was able to get XXXX XXXX to remove it but the debt is still showing on the major credit reporting company 's. The signature on the lease is obviously computer generated. I need this off my credit. 

Thanks
Product: Credit card or prepaid card

I have been on auto pay with MacyXXXX XXXX  XXXX card for about a year now however when my payment came up due on XXXX XX/XX/2022 The payment did not go through because it said I was not on auto pay. I resolve the issue and they took back the lead charge but it still makes me angry and Im not sure I can trust them any more my credit is superb and I always pay the statement balance every month and all my credit cards which are on auto pay even though its resolved Im still not happy about it and still dont know why Auto pay disappeared from my account
Product: Debt collection

About a month ago I submitted a dispute to credit bureaus regarding the amount of the auto loan posted from  NCB Management.  The amount was aroun d 10,000. NCB sent back original paperwork but left out all auct  ion paperwork. According to law, I am still liable for the remaining amount. I have requested a hard copy of this receipt and I have been told they may not have it. They have a typed up transaction list but nothing at all about the sale of the vehicle to the auction about how much it sold for. The car was originally around 20,000. They said they have sold it for around 10,000. And now I owe the  remaining amount. How do I know that they did n't sell it for more or less? I need a a valid receipt of the amount from the auction to verify what I have left to pay. As indicated my wife spoke with the m on  XX/XX/XXXX  and they said  they would get back with her in a couple of days. Meaning they have no proof of how much I owe and they are reporting it on my credit report negatively.
Product: Debt collection

Checking my credit report XXXX pops up for the fourth time which mean the collector kept selling this account. I never had XXXX NEVER and the last three times they had to remove it because they could n't validate it. I blasted XXXX for doing a authorized inquire, which they remove also. The fourth collector will remove it but not after selling it again. Please help. P.S. I live in a XXXX which XXXX ca n't service so how is this possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a right to Privacy. 
15 U.S.C 1681 Section 604 A section 2 : It also states a Consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Dear Sir/Madam, My name is XXXX XXXX XXXX XXXX My late husband 's name is XXXX XXXX XXXX and he's the one who owned this equity loan. He's gone for almost 15 years. He pays XXXX monthly when he is still alive and when he made an accident and no longer working he made it XXXX monthly. So far, there's no problem with this. If I have extra money I gave more for the principal So far, ever since I did not encounter a problem, only this time... The last record I gave an advance payment for the principal was XX/XX/XXXX the amount of {$860.00} dollars. 

On XX/XX/XXXX I went to the Berkshire bank in XXXX XXXX XXXX, XXXX, MA. XXXX. From the entrance I went to the left hand side and grab 1 loan slip and wrote down XXXX XXXX XXXX and in words, " XXXX XXXXXXXX XXXX '' in numbers {$1000.00} dollars. I placed the loan slip on top of the money. and I went to the lady, XXXX and she set aside the slip and count the money by hand and put in the counting machine. After that she gave me a 2 pages which I thought a receipt. Until I received a monthly statement dated XX/XX/XXXX till XX/XX/XXXX and how come the balance is still XXXX XXXX instead of XXXX, XXXX XXXX. I called the bank at once and went there. I spoke with XXXX and he opened his comp. and take a look and he said there's no XXXX dollars in their records and started to get nervous and upset and then left. That was Wednesday XX/XX/XXXX. And so I went in the other branch and spoke with XXXX, the manager and relate what was happened and he said he will talk to XXXX and call me. I did not get any call from them and so I went back to XXXX Monday XX/XX/XXXX I XXXX XXXX XXXXXXXX I gave XXXX dollars to the lady and her name is XXXX. Like I said, I swear to XXXX it's really true I gave to the lady XXXX dollars and she counted it and put in the counting machine. Why did she give me a " Transaction History, instead of receipt of the XXXXXXXX XXXX? ". I called the Head Office number and left a message. The following day she called me and told me that the reason why I was there is to asked a transaction history. And I told her I did not go there to ask transaction history and to tell you honestly, this is my first time to see this and why will I go there to ask that, the fact that I am getting a monthly statement so I know how much I still owe. I am writing what was happened in Berkshire Bank and hopefully, you can help me to solve this problem because the XXXX XXXXXXXX XXXX is already big amount for me. And I really XXXX XXXX XXXXXXXX, am a XXXX and I don't like people who take advantage and people who are dishonest. So, please help me to solve this problem. Thank you very much and have a wonderful day! 

Respectfully yours, XXXX XXXX XXXX
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify these inquiries and accounts, being that they have gone past the allotted days and can not verify these inquiries, under section 611 ( 5 ) ( A ) of the FCRA. They are requested to " promptly delete all information which can not be verified. '' Please resolve this matter as soon as possibly, Thank you
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXXXXXX XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing issue of fraudulent items persistently appearing despite numerous attempts to remove them. This matter has caused significant inconvenience and financial loss, and I feel compelled to bring it to your attention for urgent resolution. 

Despite repeated efforts on my part to address these fraudulent items, they continue to surface, creating not only a sense of vulnerability but also undermining trust in the system. It is evident that the current measures in place are insufficient to prevent the recurrence of such incidents. 

As a responsible consumer, I have diligently followed the necessary procedures to report and remove these items, expecting a prompt and effective response. However, the persistence of these fraudulent activities suggests a systemic failure that requires immediate attention and remedial action. 

I urge you to conduct a thorough investigation into the root causes of this issue and implement robust measures to prevent its recurrence. Furthermore, I request transparent communication regarding the steps being taken to address this matter and restore confidence in the system. 

Additionally, I seek compensation for the losses incurred as a result of these fraudulent transactions and the inconvenience caused by the repeated attempts to rectify the situation. It is essential that appropriate restitution is provided to mitigate the financial impact and restore trust in your services. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of things to slow down, but this is a bit too long waiting for a response. Per FCRA they have to respond within 30 days and if no response or if they did not validate the account it must be removed. 

I sent in a letter for Equifax to investigate accounts listed on letter on XX/XX/13. 
I sent in another letter letting them know they never responded to my letter on XX/XX/13.