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

I have disputed inquiries to Equifax in what should be part of a shopping window. On their website it says if you get an inquiry for home shopping or car shopping then between 15-45 days it should only count as one. My risk factor says too many inquiries are impacting score. They are mortgage pulls and should be in Equifax 's shopping window. I disputed online and the dispute was closed very quickly stating " inquiries are a factual record and will remain on file for two years ''. There is no place online for me to explain this is within their own shopping window. I call and no one knows what I am talking about. This is very frustrating to me and makes me angry that they are violating their own rules.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the XXXX Federal Trade Commission that all 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

This is my second attempt to inform you that the current status should not be showing late because I paid it on time. XXXX XXXX XXXX lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct these accounts immediately : XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX**** Balance : {$24.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$2600.00}.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion.
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate inquiries on my credit report that are fraudulent. please look into the matter i spoke with someone who advised me to start here,
Product: Checking or savings account

On XX/XX/2019, opened in XXXX XXXX, VA branch a personal and business checking account. At the time of account opening, I provided the banker with a promotional code for personal account that give {$250.00} for new account and {$200.00} for new business checking account. At this time, I also received an email asking me to create a log in for the ability to check the status of meeting the requirements for the bonuses. Shortly after, in early XXXX, I checked the status of both bonuses and noticed that despite meeting the requirements none of the check marks indicating same were noted. I then sent a secure banking message to SunTrust to inquire about my enrollment and received varied responses, that to some end stated that the accounts were never enrolled in the promotions, despite having provided the promotional codes at account opening. The two codes provided are XXXX ( business promotion code for {$200.00} ) and XXXX ( personal account promotion code for {$250.00} ).
Product: Debt collection

I moved out of XXXX XXXX on XX/XX/XXXX. And XXXX XXXX did not return my deposit. 

I have never received any notifications from XXXX since XX/XX/XXXX. 

I reject any debt from XXXX. 

Columbia Debt Recovery LLC, dba Genesis is a debt collector. We are trying to collect a debt that you owe to XXXX ON XXXX. We will use any information you give us to help collect the debt. 


You had an agreement with XXXX ON XXXX, regarding XXXX. - Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
As of XX/XX/XXXX, you owed : {$96.00} Between XX/XX/XXXX and today : - If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. 
You were charged this amount in interest + {$0.00} You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. 
You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$96.00} Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : The XXXX on XXXX XXXX Subject : Re : [ XXXX ] deposit return What's the forwarding address again? 



On Tue, XX/XX/XXXX, XXXXXXXX XXXX The XXXX on XXXX XXXX wrote : It will go to the forwarding address you left with us with, it will take up 30-45 days after moving out. 




Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : The XXXX on XXXX XXXX ; XXXX on XXXX XXXX Subject : [ XXXX ] deposit return hi, can i get my deposit back for apartment XXXX? do you guys mail it or i need to pick it up? 



thanks XXXX
Product: Checking or savings account

First a text message from TD bank was sent to me that someone was trying to make a purchase in Ohio with my debit card. I answered NO as of no it wasnt me. Thats exactly how TD bank works. Next text message said the representative will call me. A fake Td representative called and said someone was trying to change my username so I need to confirm the original one and my social security. Soon after I provided all the information they said we need to confirm my phone number and IP address. So they sent me messages which i was supposed to confirm. All those messages withdrew {$200.00} from my account. So there were like 8 messages i confirmed. After I hang up {$2000.00} was missing from my savings. They transferred {$2000.00} from savings to debit and used XXXX to withdraw. I became a victim of a fraud and I want my {$2000.00} back. TD bank files filed a dispute and later said they wont give me my money back.
Product: Money transfer, virtual currency, or money service

Paypal already Close my account without email for me
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX in XXXX, TN. The day I purchased said vehicle, I was told I had 7 days to return the vehicle. When I showed up on the 7th day, I was told I only had 5 days. The reason I want to return the vehicle is because it has been deemed unsafe to be driven on the road by THEIR warranty company ( XXXX XXXX ) after sitting in the repair shop 2 months. Their attorneys finally agreed to swap out vehicles, only if I did not get the new one inspected before signing the contract. Once I was told this, I left the vehicle on the dealership lot until an agreement could be made. After all, if I drive the vehicle and something happens that involves another driver, I will be held responsible due to driving an unsafe vehicle. The vehicle has been sitting on their lot ( all but this last payment paid with full coverage insurance ) since on/around XX/XX/XXXX. I have not heard from Bridge restXXXX since on/Around XX/XX/XXXX. I have also filed a complaint with the XXXX but Bridgecrest 's responses were not the total truth and I have since not heard from the XXXX  I need to return this vehicle and get all monies returned. If at all possible, the insurance fees would be appreciated too. 

I work rotating XXXX XXXX XXXX at a XXXX XXXX. This prohibits me from talking on the phone most days due to most offices being closed. If possible, I would appreciate a scheduled called from a representative on a day off.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. Regrettably, these fraudulent items persist on my credit report. 
Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. The following items should be remove as soon as possible : XXXX XXXX  XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX  XXXX, NY XXXX ; XXXX  XXXX XXXX Balance : {$570.00} ; XXXX XXXX Balance : {$750.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$750.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX  XXXX XXXX XXXX : {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, we utilized a Money services company called viamericas XXXX XXXX XXXX XXXX XXXX  for a money order for the total of XXXX. 

We were issued a receipt of the transaction ( see attachments ) however, after weeks of purchasing the money order, the payee had still not received the funds. 

FFWD to today ( XX/XX/2024 ) and the payee still shows the payment as not having been received. And because the payment hasn't been received yet, the payee now charged us a late fee of {$10.00}. 

We've been calling and emailing the company to ask for proof of the money order having been forwarded/ received and/or cashed by the payee, but to date, they have not provided any such physical evidence. They have only verbally responded saying that " there is no hold on the money order, but that it hasn't been cashed. ''
Product: Debt collection

To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed XXXX XXXX XXXXXXXX XXXX XXXX XXXX that I wanted a little more explanation on, and it needs to be deleted/removed from my credit report. I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX XXXXXXXX XXXX, The claim # is : XXXX XXXXXXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



FRAUD ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX delete it from my credit report, XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion and informed them that my {$10000.00} personal loan with XXXX XXXX was paid in full and the account was closed. TransUnion sent me mail indicating ( received XX/XX/2023 ) that the information they have in their file was " Verified As Accurate ''. The information is NOT accurate because I do not have a balance on this account and my credit report still shows a balance!!!
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXX-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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I started the loan application process with Wells Fargo on XXXX/2016. Everything was going smoothly until the mortgage processor XXXX XXXX started to no longer communicate, and promise to take care of things and then not do them. As a result of her not doing her job in a timely fashion, the bank re-ran our credit as the application was in process for four months and at that time my credit score had fallen below the bank 's minimum thus causing them to decline the loan. I contacted the bank provided them documentation proving that XXXX XXXX was negligent and she caused the delays in processing not myself or my husband. After a month long " investigation '' we were basically told oh well she will be spoken to and you are still denied.
Product: Credit card or prepaid card

To Whom it May Concern, My complaint has to do with Citi Cards Visa Costco membership Visa card. 
My card was denied this last Saturday ( XX/XX/2019 ) when I went to make a purchase at Costco. I called and the automated attendant indicated my account was past due. I called this morning and payed the amount due over the phone using my routing and account numbers. Then I asked to speak with a person to find out how this happened. 

The person indicated that I missed two payments. They then told me I was enrolled in paperless statements back in XXXX, which I would have never done because I have a bookkeeper that pays my bills and I like to give them the paper statements. When I asked why I didnt receive by paperless bill, they said I didnt enter an email address. Then I asked why they didnt contact me when they had no where to send my bill and they said that regardless if I get a statement or not, it is my responsibility to send a payment. Why would someone enroll in paperless billing and not enter an email address?!!! They said its all automated. Whatever that means. 

Then I asked if they reported this to the credit reporting agencies and they said they did. This is the issue! I take good care to keep my credit rating high, so I asked if they could retract the notification to the credit agencies and they said they couldnt and I would have to contact all the reporting agencies and appeal it myself. I pay my credit cards in full every month and Citi knows this as I have never missed a payment or carried a balance. 

There is push right now to make everyone go paperless. Im older and I dont want to go paperless. This has happened with another one of my accounts as well ( a car lease ). I believe there is a push by all companies to not send out bills anymore. I believe a somewhat deceptive practice is going on when you log on to their websites that forces you into paperless unless you opt out, rather than a deliberate opting in. When the mistake is theirs, or at least substantially on their end, I find it onerous on the part of the customer to have to track down all the reporting agencies, then make an appeal, that in the end may be denied. If the companies can report a missed payment, but the mistake is on their end, why cant they retract the credit reporting company notifications. 

Ultimately, I would like Citi to retract their credit reporting agency notification that I dont pay my bills on time. Please advise. 

XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I was approved for a loan of {$610.00} I only used XXXX of it towards XXXX. I tried using it to finalize my travel itinerary and it declines XXXX. 

I chatted with and called Affirm to see if they could restore the virtual card ending in XXXX or finalize the loan, so that my money unused as a down payment of {$300.00} could be reduced and sent back to my bank card ending in XXXX. Since all of my money I have has been used to finance the loan I have no way to finish my travel plans, unless they do one or the other aforementioned. 

I was met with NOTHING but excuses of how they have no way possible to adjust the loan to refund me some of my money, or even open the virtual card up so I can use up the remaining {$220.00}. They told me to contact XXXX because they had to approve the final amount of {$380.00} versus the original {$610.00} I borrowed. XXXX could not help me as they gave the SAME excuse Affirm did. So they are passing blame to each other, I travel on XX/XX/XXXX, XXXX and I have no way to return back home on XX/XX/XXXX as planned! Because Affirm has held up my down payment of {$300.00} and if I leave it up to them to take their time adjusting the loan it can take up to 21 days for them to update the loan amount.
Product: Money transfer, virtual currency, or money service

Complaint against Synchrony Bank XXXX Account # XXXX savings + XXXX more on CD account " problem to add a third external account '' they told me it allow XXXX external limit, I only get XXXX external accout up to date on record. 

They do not allow me, reason saying that I have XXXX  external already. 
But those must be cancel ot delete account a long time ago. 
because I had been banking with them over 10 years. 

even I look at disclosure, nothing to say that I can not have more than XXXX external account. they do not want to do nothing. I was so mad. they restrict me. 

I ask the manager, but he did not help at all.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXXXXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Product: Credit card

On XX/XX/2023 I applied for the credit XXXX secured credit card solely because of the advertisement which states that I would receive a XXXX second decision- and that my credit would not be affected with a credit check throughout the process. I expected to receive a decision right away and instead I was told that it would take weeks to get a decision and that my credit report would taken- and as a result my credit score would be negatively impacted. The company blatantly advertised false information. ( Please see attachments ). In the pictures below you will see there is no asterisk next to the conditions or an indication to see notes below. Furthermore, even the smalll print fails to notify the customer that the statements made regarding decision time and credit checks are subject to conditions. In fact there is no mention of conditions in this advertisement and I have informed both credit one and credit karma of these false advertisement They are both responsible for advertisement false and misleading information.
Product: Debt collection

I filed a company 2days ago to the FTC. THe COMMON WEALTH FINANCIAL IN PA. ACCORDING TO MY XXXX  CREDIT REPORT. A COMPANY THAT HAS NEVER WRITTEN ANY DEBT COLLECTION TO ME. THEY NEVER DONE A DEBT VALIDATION of a debt They just put on inaccurate collection on my report. Now they are retaliating by putting it on my XXXX  report a day after my complaint to the FTC. on XX/XX/2019 HERE is my complaint number with Ftc XXXX. Thanks for your help
Product: Debt collection

The collector portfolio is trying to collect a debt that I didnt have with them. I dont know who they are. Also, XXXX  has filed a lawsuit against that debt collector for falsely collecting debt on putting information unauthorized on people Credit Report.