23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I paid for a fraudulent service and my bank would not give me my money back even after i provided them with evidence stating the merchant would give me my money back.This event happened in 2017. Since then I have been trying to sue the individual and he has been unresponsive and not accepting court documents. Before attempting to sue, my bank did not give me my money back. I called them several times and requested a call back from the investigator but the investigator put notes in the system that my phone kept going to a busy signal.

Now that its been a year and ive tried various attempts to get my money back My bank is claiming that the claim is too old to reopen.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

II have countless inquiries from various companies that I did NOT authorize. 
I have NEVER done business with these companies that are associated on my reports. Further more I am constantly receiving prescreened offers in the mail that I have not applied for. 
I am asking that these inquiries be removed from my credit file because, I did authorize nor have I ever done business with any of these companies. 
XX/XX/XXXX Ally Financial XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After reviewing my latest credit report, I noticed several accounts that appear to have been added without my permission and seem inaccurate. I am asking for these fraudulent accounts to be blocked and removed right away.
Product: Credit reporting or other personal consumer reports

The late payment on my account is a major concern for me, as I have always been prompt with my payments. This error is causing me significant anxiety, and I request that you correct it by removing it from my account as soon as possible.
Product: Credit reporting or other personal consumer reports

This is my first attempt to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the car accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and Barclays. 

I am highly disappointed that XXXX XXXX XXXX failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. My XXXX XXXX XXXX Adjuster/Claims Resolution Representative, XXXX XXXX XXXX informed me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress. 

Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had 5 missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident. 

The back and neck soreness that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for XXXX XXXX leaning our way which I believed if I was there it would've been 100 %. 

I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Though my credit report indicated for my account with Hyundai Finance for my leased car a closed account with balance of {$0.00} and a payment history of XX/XX/XXXX at XXXX, indicating no delinquent payments, it inexplicably states delinquent payment in the remarks section. The Account Status is indicated as Derogatory, and they indicated Repossessionfor a car I did not own but leased. My lease expiry date was XX/XX/XXXX. Nearing that date, I had wanted to extend the lease, and was informed by Hyundai Finance that I could do so for 6 monthsI just had to continue making monthly payments, which I did, on XX/XX/XXXX and XX/XX/XXXX. Nonetheless, on XX/XX/XXXX my car was towed from my premises. I don't want the car back -- I want my credit report corrected. There were no delinquent payments and it was not " repossessed '' -- they towed it away even though my payments were even beyond the lease expiry date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had asked XXXX XXXX for a quote for rates on a home equity loan. I received a call from multiple companies and from Quicken Loans. Quicken loans decided to access my credit file without really asking me if it was ok to pull my credit. At no point in time I decided to enter in a loan application with them and when I received an alert from my credit monitoring services I found out that they had gone thru a third party vendor to pull my credit to just quote me rates. I find this to be illegal and deceiving. My credit score dropped significantly because of their inquiry. The sales person name was XXXX, and the supervisors that I spoke to at quicken loans were XXXX XXXX & XXXX XXXX. They both said that they did not have to ask me directly if it was ok to pull my credit. they said that it was assumed that I wanted to proceed when I requested the information for rates.
Product: Credit card or prepaid card

This letter is to inform you of deceptive business practices and the lack of disclosure of Capital One credit card services. 
In XXXX of XXXX my daughter had been involved in a horrific car accident and my life fell into a spiral. At that time, I fell behind in my credit card payments. 
In XXXX of XXXX, I began catching up with my life and I entered a payment plan with Capital One to catch up my credit card payments. I was to pay {$100.00} to get my account back into good standings. I made the first payment XXXX XXXX XXXX 
When I made the second payment in XX/XX/XXXX, I contacted card holder services to ask why my card was not working still and I was informed that when I made the third consecutive payments my card would be unrestricted and if I needed to make my payments on the XXXX of the month as well as I had never received any disclosures or information on the plan I entered into on XX/XX/XXXX. I was informed that all I needed to make was the {$100.00} payment on the payment plan. I was never advised that the payments I was making would not go towards the three consecutive payments. 
I was informed today when I called in XXXX that I was enrolled in another plan to take off the restrictions to my account and that the disclosures were read to me. This may be true that the disclosure was read to me, BUT I was NOT advised this was a different plan to take off the restrictions. I was advised that once I completed my monthly payment plan, I would be unrestricted as my account would be current. How was I to know there were two different plans I was enrolled in when I was never provided disclosures? I was not provided by email, in my online account, or via USPS. 
I paid both my second and third payment and to my dismay my card is still restricted. I made a call to Capital One this morning and was advised that I needed to make three ADDITIONAL consecutive payments to get my card to an unrestricted. Again, how am I to know there are two different plans I was enrolled in if I had not been provided any disclosures. 
Not only is my card still restricted, but they have not been applying my payments to my monthly payments and have been reporting me to the collection bureaus as late. This is unacceptable since I was informed that the payments I was making would go towards my monthly payments. This needs to be addressed as well. 
I feel the lack of training of the customer service agents and a defective system for providing disclosures have compounded these issues. Disclosures are absolutely necessary in any financial transaction, including credit card transactions. I would appreciate if you could kindly investigate these issues so that no other consumer has to spend several hours banging their heads against the wall trying to figure out what is going on and having their credit damaged because the customer service agent is ill informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Acceptance Corp reported my closed paid off auto loan # XXXX 30 days delinquent which is incorrect. On XX/XX/2021 a mobile payment of {$530.00} was made ( reference number XXXX ) by credit card ( PAYMENT OK ). On the same day a payment of {$17000.00} was made by the dealership who purchased the car from me. Regional Acceptance Corp then sent me a check for {$510.00}. My payments were due the XXXX of the month. My {$530.00} payment was accepted on XX/XX/2021 as well as the payoff in the amount of {$17000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account Jefferson Capital systems Account 15 U S C 1681 section 602 A. States I have the right to privacy 15 U S C 1681C no consumer reporting agency can not furnish my account without my written instruction
Product: Mortgage

I was on a forbearance plan that ended in XXXX. I was told by my mortgage company Mr. Cooper, that after they took my payment on XX/XX/XXXX, I would be able to resume my future mortgage payments as normal without penalty or harassment. 
Last week someone came to my house with a letter and Mr. Cooper is now demanding the full lump sum of the forbearance - over XXXX. 
I called Mr. Cooper and was on the phone all day on Monday XX/XX/XXXX. I spoke to XXXX, who transferred me to XXXX, who was reviewing my problem when she hung up and did not call me back. I then called and waited on hold another XXXX minutes before speaking with Ira XXXX at XXXX p.m. she was filing a request she said and would call me back on the XXXX or XXXX. She nor anyone ever called me back. 
Today - XX/XX/XXXX, I called and spoke to XXXX at around XXXX p.m. She could not connect me with Ira XXXX XXXX a supervisor and wanted to argue with me that I was owing all the money and was still saying I have to pay back the full lump sum. When I asked for the supervisor she said she could only have someone call me back. I asked if I would actually get a call back this time and she said yes. When I asked for someone that could help me get answers today, she put me on hold and then disconnected the call. I have not gotten a call back yet today and that was over an hour ago. 
I was told when I started this plan that my forbearance payments would roll to the end of my mortgage without penalty. 
I feel I am being stressed, harassed and lied to by this mortgage company. They tell you one thing and then do another, treating me like I am a derelict after taking payment. I have been in my home over 30 years. They are not giving me answers and passing the buck. Please help me.
Product: Credit reporting or other personal consumer reports

I disputed an account that was placed under collections and gave email proof of the account being closed. I also have been receiving multiple calls from various agencies that I have no idea how they received my information it gets replaced under collections every XXXX years.
Product: Credit card or prepaid card

I have a store card with Victoria Secret through Comenity. Comenity strikes again! I have not been using my store card for months just paying on it. Today ( XX/XX/2023 ) I am doing some finances and got to look to see how much I have left. I am negative!! I get XXXX because I havent made purchases and yet it says interest on purchase, several times and purchases several times for something called ACCOUNT ASSURE. I assume this is some sort of card protection that I never signed up for. I dont check my acct on a regular because I have paperless statements ( looking out for the environment ) needless to say each month I make a payment it seems it is voided by not only a charge that shows as a purchase from account assure, but interest on this false charge. They have charged me several times over the course of months and interest which totally voids out any minimum payments. Therefore instead of paying down my balance on this card every month, I pay and pay and still end up in the negative for purchases I did not make, and I service I did not sign up for. Please help because I cant afford to constantly make my payments assuming I am eliminating debt while this company is adding debt to my acct and destroying my already not great credit in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX For XXXXExperian  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below.

In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice.

XXXX XXXX XXXX  ACCT : XXX AMT : {$820.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure.

This is again a demand to remove and block such information from the report in question.

Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CARD I WAS NOT LATE ON THESE ACCOUNTS, THIS IS INNACURATE INFORMATION AND THE LATE PAYMENTS NEEDS TO BE REMOVED ASAP. REMOVE FROM XXXX, XXXX, AND EXPERIAN.
Product: Debt collection

Pursuant to 15 USC 1692c ( c ) collector was informed of consumers absolute refusal to pay an alleged debt. Company was informed that the law states If a consumer notifies a debt collector of their refusal to pay an alleged debt, the collector must CEASE all communication. They are to CEASE AND DESIST all communication in attempts to collect alleged debt. 

Communication to credit reporting agencies is considered COMMUNICATION IN AN ATTEMPT TO DAMAGE CONSUMERS CREDIT IN ORDER TO COLLECT alleged debt and will not be tolerated. Date on adverse account continues to report as of XX/XX/2024. 

Consumer requests REMOVAL of account from their credit report ( s )
Product: Debt collection

i have tried repeateadly to set up a payment with this company ..they insist on more than i can afford..but they always accept my payments.
Product: Checking or savings account

My family was away on vacation and when we returned we notice XXXX $ worth of fraud on our checking account. We immediately contacted the bank and we had to file two separate claims, as some Of the transactions were still pending and we couldnt open a claim to dispute them until after they posted to our account. The first claim ( {$50000.00} ) was denied while the second claim ( {$7000.00} ) was still being investigated. We appealed the first claim and that got denied as well. All TD bank keeps telling us is that we performed the transactions. They refuse to talk to or investigate with the merchant. All they keep saying is the names match on the accounts. Someone hacked my XXXX account. Changed my Phone Number, to further access my account and perform transactions that are normally confirmed with a text pin. The card info is saved on XXXX. Someone used my Cards to send Money to someone using a similar name to our business name. It has nothing to do with me or my family although the names are similar. TD bank continues to say, the names match and XXXX said the person used the exact information. After talking to XXXX, they haven my old mailing address on file. So I asked TD bank how the card went through if XXXX had the wrong mail in address on file and they said that maybe the transaction was performed by my parents or my husband. This is {$57000.00} worth of fraudulent transactions. I have XXXX kids and no money left in my account. This has been going on with them back and forth since XX/XX/20. The fraud reps are extremely rude and accusatory. I thought I was going to have a bank help me in a time of need. Instead they accuse me of lying and performing these transactions. I faxed them paperwork and information to show it was not me who performed these and they refuse to listen. Now we have no money and both claims are denied. We tried speaking to a supervisor and that didnt help. They said theres nothing we can do!
Product: Credit card or prepaid card

This complaint is in response to complaint XXXX : Citibank refused my payments which is not legal and has un-closed an account in an attempt to validate their erroneous reporting of my account being late as I have never made a late payment to the account. The representative did not accidentally take a payment from me, she informed me my ability to make a payment online was blocked as I was in a chapter XXXX but I could make my payment by phone to her. Now they wish to pretend they did not willfully violate the Chapter XXXX they thought I was in by accepting payments and would rather un-close the account to show it as being paid late when it was not. I am returning the checks to Citibank along with the attachments below showing the Trustee Motion to Dismiss and my response as I am pursuing action for the fraud. If Citibank shows late payments on my account after reversing an account paid in-full I will proceed with legal remedy as the only reason they are doing this is because CFPB was asked to make them correct the erroneous reporting and they would rather willfully damage my credit then to simply correct the erroneous reporting and close the account. Please note the Trustee 's letter says " PETITION '', not " CHAPTER XXXX PLAN '', as Citibank was told I never affirmed a " VOLUNTARY PLAN '' and they were never submitted to the court as part of a plan. 


Thank you,
Product: Debt collection

I have attempted to contact this creditor but they will only accept mail correspondence. When I call numbers reported on my credit reports they are unable to pull my account up and am directed to mail correspondence for their credit customer service department. This account was closed XX/XX/XXXX and XXXX payments were made towards this debt when it was open XX/XX/XXXX and yet they are reporting that payments were made in XXXX. My reports say this debt was sold to DNF Associates and yet the address and contact information takes me to the original creditors site. I have attempted to contact DNF Associates as well as XXXX XXXX to settle this debt without any luck and would like it removed from my credit reports immediately. The debt continues to be validated with the credit bureaus when disputed and yet I am unable to get in contact with them to settle the debt.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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.