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

I recently reviewed a copy of my credit report & I was shocked to learn that I had been a victim of identity theft. I found numerous accounts on my credit report that were all opened in the same month and NOT by me. This has been hurting me because I am currently in the process of trying to purchase a home for my family. Please remove these fraudulent accounts from all XXXX of my credit reports as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XXXX XXXX at XXXX we got a call from XXXX XXXX XXXX claiming that a fraudulent charge had been made on our Amazon Store Card. We were instructed to go to XXXX XXXX to reverse the fraudulent claim. We were to type in the address bar trackmyorder.us. I said no, I'd just call the number on the back of my card. They said no this was the only way to stop the fraudulent charge because it was now pending. When we did what he said our virus product marked it as a dangerous page. I hung up and called Amazon card services and I had no such charge on my card. It was a scam. I think they wanted my card number
Product: Credit reporting, credit repair services, or other personal consumer reports

I have returned the Vehicle on XXXX XXXX 2021 and the leasing company still has not close the account. I tried to pay the bill to stay on time but they denied my payment and returned me the money. The account is now showing XXXX late payment and account still open. They received all paper work required from me and said it would only take 3 days for the account to be close. The account was suppose to be closed under XXXX Benefits and is been more than two weeks. I faxed the paper work again on XX/XX/XXXX and it was confirm by someone on the phone. For this my credit is showing a delinquency and has drop by more than XXXX points. I want the acount to be close already and for the late payment to be fixed on my credit report
Product: Credit reporting

I have made Several requests from Bank of America for the verification of the information being reported to all XXXX bureaus without compliance. BanK of America has not provided proper verification. Bank of America states this account went delinquent XX/XX/2012 and it shows at charge of XX/XX/2012 but Bank of America reports almost every month that this account is late. There are 8 months reporting no data. It reports a recent payment of {$140.00} which I believe is reporting falsely.
Product: Credit card or prepaid card

On  XXXX   XXXX ,   XXXX  , I purchased mattresses from Macy 's using my store credit card for {$980.00}. I chose  Macy  's for my purchase to take advantage of their interest-free financing so I could pay the purchase off over time. I am currently under-employed due to health issues and have limited resources. At the time of my purchase, I did not remember that I had set up my Macy 's online account for autopay for the full statement balance, which I had done years before when I was in better financial shape.     On   XXXX   XXXX  , I received an email from  Macy  's that my statement was available. The email did not give any information about the amount that was due or the date that my auto payment would post.     On   XXXX   XXXX  , I received an email alert from my bank indicating that an ACH transaction to Mac y 's f or {$980.00} had posted. I did not see the email until   XXXX   XXXX  , at which point I immediately went onto the Macy 's credit card site ( which is handled by   XXXX   XXXX   XXXX   XXXX   ) to change my payment options so this would not happen again.     YOU CAN NOT CHANGE YOUR AUTOPAY SETTINGS FROM THE WEBSITE. In order to change them,  one  is required to call a customer service phone number, which is not a 24-hour service. I was unable to reach customer service because my call was outside of their office hours.     I believe it is an abusive practice to allow autopay but (  1  ) not inform customers that you will not be able to change the settings online, and (  2 )  force online customers to call a call center that is not open 24 hours to change online settings. I also believe that all credit cards that have their own autopay mechanisms should be required to alert consumers prior to the posting date of THE AMOUNT AND DATE OF THE UPCOMING PAYMENT. Given the exhorbitant interest rates they charge, this is the least they can do.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX {$730.00} Date Opened XX/XX/XXXX I did not give this company authorization to report this collection to my credit report this violates my privacy under the Privacy Act of XXXX I took action by asking the company to send me more information on this collection debt in a form of a letter still no response or action was taken on behalf of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY REPORT SHOWS INQUIRIES I NEVER AUTHORIZED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Home depot commercial account we talked to citi Bank and home depot because of covid 19 relief they told us to make XXXX every 60 days payment til we catch up our account wouldnt close nor would it be restricted tbey lied to us also thats our second payment the picture now they have closed account and put in collections
Product: Credit card or prepaid card

Called BBVA Compass XXXX with a simple request : XX/XX/15 Over an hour stupid talk trying to get them to show me on either my statement or online where it shows the interest free promotion I am on and the deadline in writing that I could trust to be accurate and binding. They admitted it could not be found. Then that they will try and see if perhaps if allowed it could be emailed to me but it would take 3 to 5 days but not sure it could be done. I tried to hold for a supervisor but after over an hour with tons of additional stupid talk they said they would call back in XXXX min. They never did. 
XX/XX/15 Called again asking the same info to be shown to me on their statement or online but they still can not show me that. I mentioned filing a complaint and after a long hold time was then told they would mail it to me in 7 to 10 days. They could not email it to me today and I don't trust that I will ever get a letter. But that gives them another 10 days to blow me off. 
Being that I almost missed my 1st payment because I did not have a statement or their address to send it to and it also took a long stupid talk call to get that info, I have come to the conclusion that this company is trying to trip the public up into losing the interest free offer after they have paid 3 % to get a balance transferred. And note too that so far I am on time and still have the interest free offer but I don't trust they will hold to their offer if I don't see the date ending printed somewhere. All my other credit cards that I have done this with will have it listed on their statements and online too.
Product: Vehicle loan or lease

The entity involved is Santander Bank and XXXX XXXX. Back on Wednesday XX/XX/XXXX Santander had the XXXX XXXX XXXX  repossessed by XXXX XXXX. XXXX XXXX has its physical location in XXXX, NC ( which is about 45 minutes from where the vehicle was picked up ). Once the XXXX XXXX XXXX was repossessed it was taken to XXXX, SC. XXXX is roughly about two hours away from where the vehicle was picked up. During the time of transport and while in possession of XXXX XXXX the XXXX XXXX XXXX underwent some mechanical damage. To be specific the XXXX XXXX XXXX was in perfect mechanical working condition prior to being repossessed. Once the XXXX XXXX XXXX was allowed to be recovered, which was 24 hours later. XXXX XXXX would not allow the vehicle to leave until 24 hours had passed even if the balance was fully paid. I had to drive to XXXX, SC to pick up the vehicle on Thursday XX/XX/XXXX. Once the vehicle was recovered I started to hear and feel a kick in the transmission. When the truck would shift between 1st and 2nd gear it would kick. Also, when placed in reverse it would kick and spin ( making real loud and concerning noises ). I then proceeded to take the vehicle to my local mechanic XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They advised me that if the vehicle was towed/rolled without the differential being unlocked, it very well could have caused mechanical damage. XXXX XXXX XXXX XXXX XXXXXXXX advised to get a second opinion from a shop that specializes in transmissions and such. I then took the XXXX XXXX XXXX to XXXX XXXX XXXXXXXX for an evaluation. After the diagnosis took place, it was then confirmed that the transmission, transfer case and differential were all damaged during the towing process. The truck stopped operating properly after the diagnosis and was advised to get a rental vehicle. I proceeded with that and left the XXXX XXXX XXXX at XXXX XXXX XXXXXXXX. In the meantime I had submitted the various reports provided by XXXX XXXX XXXXXXXX. At this point Santander asked to wait 7-10 business days awaiting response from XXXX XXXX ( in hope of them owning the damage ). XXXX XXXX  responded by saying they were not taking responsibility for the damages. Santander communicated this to me, I then explained that I was not looking for a free handout and that the vehicle was in perfect mechanical condition prior to the truck being repossessed. Santander asked me to submit records of the maintenance that had been done to the XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX provided service records for the entire time I have owned the vehicle. I then submitted these records to Santander ( which included a recent service done in XXXX of XXXX ). XXXX XXXX still came back after these records where provided and denied the claim on the damages.
Product: Checking or savings account

See attached file that demonstrates 1. I canceled a check 2. Have confirmation of cancellation via FNB 3. the bank FNB did NOT cancel the check. 4. Payment went through to the company who failed to do the job properly, job supervisor NEVER called me or emailed me back 5. FNB said it was my error that they could not stop the check 6. You can see FNB lied as there was no error in my documents-not the check amount or check number 7. So, FNB wont refund me and the company that did the business is a nightmare and I never want them in my house again. 8 FNB is an insured bank and guarantees services to their clients -- FNB betrayed me. 
CFPB and the FDIC ought to ensure that Banks honor policy. If they had pulled the check I would not have had to deal with the nightmare of the company never responding, because they took the money and ran. 

It is time for FDIC and CFPB to insist that banks honor their policies. Otherwise the very reason that the CFPB was created will occur AGAIN, there will be bank failures, and that was the reason CFPB was created to be a watchdog, resolve, prevent a second bank crisis... 

For the XXXX XXXX XXXX  ensure I get justice as it will also ensure those banks betraying people become afraid and do not continue to violate policy designed to protect
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit on  XXXX / XXXX / XXXX  by  XXXX   XXXX   XXXX   XXXX  due to Bank of America reporting inaccurate information on my credit reports with  XXXX ,   XXXX   and  XXXX  credit bureaus.     Bank of America reported late mortgage payments for the months of  XXXX ,  XXXX ,  XXXX  of  XXXX  ( 60 days late ). I disputed this with the credit bureaus and they replied by stating that the information was verified as correct.     I supplied bank statement copies from my credit union to thes e (   XXXX   ) credit bureaus as well as to Bank of America ( complaint dept ) showing that these payments were  made within the months they were due. The transactions were ( ACH ) withdrawals by Bank of America out of my checking account. The dates and amo unt ( s ) were pr ovided on the statements and highlighted.     This incorrect information remains on my reports and I will continue to be denied credit for a new mortgage until it is corrected.     Thank you.    XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a real person a living human being I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They have violated my rights numerous of times- listing incorrect accounts, reporting incorrect credit scores. Ive demanded these accounts to be remove directly and have already sent numerous disputes and they are still not removed. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts in the first place.

According to the law 15 USC 1681 the consumer reporting agencies exercise their great responsibility with fairness impartially and respect for consumers right to privacy. 

I demand the following accounts and inquiries to be removed from my credit report immediately. 

XXXX Partial acctXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Partial Acct # XXXX 
XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX ... 
XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

Not reporting correct amount -- -> Barclay I have disputed this matter with all three credit bureaus as well as credit card company, Barclay . I disputed a charge on my credit card after not receiving the product. And Barclay removed the charge and then later reapplied the charge without notifying me why the charge was reapplied after I did not receive the product. Barclay did not respond to any of my inquiries sent via certified mail. And then began reporting the incorrect amount to the credit bureaus. I disputed with all three credit bureaus. After the second attempt, XXXX  investigated and was able to determine that the amount being reported is incorrect and/or could not be verified and therefore removed the account from my report. I have disputed with both XXXX  and XXXX and the investigation process is insufficient. I have provided supporting documentation of the letters sent and never got a response from Barclays. The last response I received from Barclays was in XX/XX/2016, when they put to monies back on my card after removing it. I never received any other correspondence from the company after several attempts to reach out and see why the monies was put back on my account without notice and/or I still never received the product that was promised from the vendor. This account is now closed, " charged off '' due to dispute never being acknowledged. I refuse to pay amount and interest for items I did not purchase. I need this account removed for reporting incorrect balance to credit bureaus and not acknowledging my disputes with company. This has been going on for over 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is older than 7 years and should NOT be listed as this was when I was married and have been divorced more than 7 years, requesting this be removed ASAP XXXX XXXX XXXX past the statute and stating XXXX XX/XX/2012 is 110 % NOT accurate data
Product: Mortgage

Greentree mortgage has accepted my request to not call my cell phone due to them calling as many as XXXX times a day. As I got behind on my mortgage they ignored my past request to not call and the calls began. I called them when I had an answer and solution to catch up on my mortgage and told them I was waiting for a loan to fund in regard to selling my vehicle. The loan has not funded yet due to a minor delay and I feel as though I ca n't use my phone due to the numerous phone numbers they have access to for reaching their customers. Yesterday alone there were XXXX calls and I feel I am being harrassed.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am having trouble getting correct info on what i 've owed between my matriculation at XXXX vs. XXXX XXXX University. Interest rates/fees have seemingly sky rocketed what i owed and from which school
Product: Money transfer, virtual currency, or money service

I went to my fifth third bank located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/2018 to cash a cashiers check, see attachment. When I stepped up to the teller I handed her ( XXXX ) the check and told her " This is a check for a business transaction from out of state and I don't know this person. Should I put a two week hold on this check to make sure it clears? '' She looked at the check and then said " NO this is a cashiers check drawn upon this bank ( XXXX XXXX XXXX ) ( see attachment ) and the member would have had to have a sufficient amount of funds in their account to be able to draw this check. '' Her response lead me to believe that everything was alright. She then cashed the check for me. I left and went about my business. The following week I received a notification ( see attachment ) that {$4500.00} was taken out of my money market account to cover a fraudulent check plus {$15.00} fee. I was very distraught to see this especially since I specifically asked the tellers advice. I went to the bank within the next several days to talk to the manager ( XXXX ), I told him what occurred and he said " We don't put holds on checks, we could cash it or deposit it into your account and the funds would be available in 1 to 2 business days. We can not be responsible for fraudulent checks or checks with insufficient funds. '' I told him that I understood that but in lieu of the conversation that I had with the bank representative I was lead to believe that everything was fine and that I proceeded accordingly after all I am not an expert at banking policy or proceedure. XXXX said " if that was your conversation with the teller then it could have been handled better '' Yah Think??? There was admission right there. Had the teller told me what XXXX told me I would have had the opportunity to make an informed decision having had the proper information disclosed to me. I am in health care and If something happens to a patient after they made a decision base upon incomplete information that I gave them I would be sued for negligence and mal practice. I can only believe that a bank has the same fiduciary responsibility to the community and it's members. If not how can I ever feel safe acting upon anything that a bank tells me again. I would like for the bank to take responsibility for their mistake and reimburse my money in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the hard inquiries I want to remove XXXX XXXX, XXXX XXXX bank, XXXX XXXX, XXXX XXXX XXXX XXXX These are fraudulent hard inquiries that I already called XXXX XXXX and they are not trying to fix the problem at all tired everything I can with sending in letters still no nothing
Product: Debt collection

The company is calling on a COMPANY credit card debt owed to XXXX. The information was submitted to the company and it was approved by a retiring supervisor. For some reason it has not been paid. 
The company calls the home phone several times a day. Then they have started to call my son 's cell phone number also, several times a day. He is just XXXX. 
The debt on the XXXX XXXX card is over {$1800.00} now, on the orignal debt of {$1500.00} due to delinquent fees. 
The company is called Radius Global Solutions LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your credit inquiry is damaging my credit rating. Provide full DOCUMENTATION reguarding the circumstances surrounding your review of my XXXX, XXXX, and XXXX credit report. Pursuant to the permissible purpose provisions of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. The accounts are listed below : XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$9800.00}, XXXX XXXX  XXXX Balance Owed : {$1300.00}, XXXX  XXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXX Balance Owed : {$120000.00}, XXXX  XXXX Balance Owed : {$11000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$2700.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of multiple accounts on my TransUnion credit report. Despite my previous disputes, these accounts remain on my report, and your office has failed to properly investigate, instead canceling investigations and impeding my ability to maintain accurate credit records. Due to this negligence, I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

The following accounts are erroneously reporting on my credit report : 1. XXXX XXXX XXXX XXXX XXXX for There are XXXX XXXX XXXX accounts listed that do not belong to me. These accounts are invalid, and I request immediate removal from my credit report. 
XXXX. XXXX XXXX Last reported XX/XX/XXXX in the amount of {$14000.00}. 
XXXX. XXXX XXXX Last reported XX/XX/XXXX in the amount of {$1100.00}. 
XXXX. XXXX XXXX  -Last reported XX/XX/XXXX in the amount of {$37000.00} with a XXXX duplicate account reporting XXXX XXXX Last reported XXXX XXXX, XXXX {$0.00}. This XXXXXXXX XXXX account is being reported twice for the same incorrect loan, further damaging my credit. This duplication is inaccurate and must be corrected immediately 2. XXXX Account A XXXX account is being reported this is also not mine further damaging my credit. This is inaccurate and must be removed immediately. 

I request that TransUnion conduct a thorough investigation into these errors and remove all the invalid accounts from my report immediately. Failure to take appropriate action in compliance with the Fair Credit Reporting Act ( FCRA ) will result in further complaints to regulatory agencies. 

Attached are copies of my identification and any supporting documentation to assist with your investigation. Please provide me with a written confirmation once these errors have been resolved. 

Thank you for your prompt attention to this matter. I expect a full response within the timeframe outlined by the FCRA.