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

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name and information was used fraudulently with a Capital One Credit card, the account was opened XX/XX/2020.
Product: Payday loan, title loan, or personal loan

Titlemax took money from me from XX/XX/2019 up until XXXX I told them that I losty job and my wife and other family members had caught covid. I even tried to give paperwork showing this and they said the didn't need it just pay what I could .in XXXX I tried to pay them XXXX dollars they refused repossessed my car. And gave me ten days to give them XXXX dollars. I didn't not receive stimulus or tax refund or pua or unemployment aid. During this whole pandemic my family suffered. This is what happened. They decieved me about what kind of danger my car was in. I even had a manger on a recorded line by company tell me she would accept XXXX to close out my account to which the pandemic started and I couldn't get in contact with the manager. Who names I had wrote down on my notary paperwork in my car too which they kept all my belongings including notary info on my clients private I'd. Info
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed several letters to the bureaus in efforts to correct some misleading information on my credit report. The bureaus have not responded to the requests.
Product: Credit card

Discover recharging me on a credit that XXXX has given to me I have tried to fix this with XXXX several times the last statement I have for them trying to rectify the charge for {$2200.00}. So each debit has a credit as of my statement on XX/XX/XXXX through XX/XX/XXXX. I had filed a dispute trying to get discovered to realize they had not posted the credit they had been given the information and failed to do so. So after my dispute and I had my credit again, they recharged me. So, even though XXXX has provided information that they have given back, the monies discover has not given me my credit on each of them I want my money! 

Now I filed a complaint, not receiving monies, and discover executive office advocacy, XXXX, stated that it was returned on my gift card balance. I have printed out all 72 transactions clearly it was not credited back and Im pretty sure discover knows that. 

There is not a gift card, credit refund in that amount and discovered did not provide a copy of the gift card details. 

Discover has again charged me on a statement, XX/XX/XXXX through XX/XX/XXXX {$2100.00}. So again they are charging me even though Ive been given these credits by XXXX. I am now missing two credits. Each merchant has their property back. I spent a lot of time on XX/XX/XXXX with XXXX going over my credits. 

Im not sure how discover can continue to charge me when I received a letter XX/XX/XXXX that my account would be closed in 14 days. If I did not give them a variety of information copies of all my ID IDs, i.e. drivers license/passport, three months worth of all of my banking statements, notarized, and access to my tax returns. I had made my payment in XX/XX/XXXX and yet I was not permitted access to my card that had a {$6000.00} limit which they changed to {$3400.00} At this point, I am missing both credits one from XX/XX/XXXX and the other credit from XX/XX/XXXX. The total now is {$4300.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX I viewed my credit report to find out me and my husband 's Best Buy credit account ( serviced by Citibank ) had been closed in XX/XX/XXXX causing his credit score to fall 23 points. We have had the Best Buy card  since XX/XX/XXXX and have never made a late payment. The account history is pristine. 
I immediately reached out to Best Buy ( Citi ) card services to see why the account had been closed. The Citi representative informed me the account had been closed because the USA Patriot Act required us to have a physical address on file. I explained to the representative that we are XXXX-XXXX military XXXX XXXX and that our Fleet Post Office ( FPO ) address is considered our physical address. She in turn said she understands our situation but there was nothing Citi could do. The USA Patriot Act prevents them from giving us an account. She also stated that once an account is closed it can not be reinstated. 
Afraid that all of our credit and banks accounts from several different banks would be closed ( XXXX, XXXX, XXXX ) I headed directly to the internet and read the USA Patriot Act. Section 326 of the USA Patriot Act expressly reads that Army Post Office ( APO ) and Fleet Post Office ( FPO ) addresses, which is what we have, FULFILLS the requirement of a physical address.
Product: Credit card or prepaid card

I request reconsideration for request reference number is : XXXX this bank keeps denying me based off someone else using my report in the past. I was unaware of this bank and now that Im trying to build a positive relationship they are penalizing me for something not my fault.
Product: Credit reporting or other personal consumer reports

In a previous complaint ( ID : XXXX, please see ID for additional information ) I had requested that Experian delete my account such that I am unable to sign in. Yet again, as with my previous experience with their customer service, I am misunderstood. I understand my free membership benefits were discontinued. That is not what I had requested. What I want is to not be able to sign in to my account online AT ALL, as I can still sign into my account and request actions such as freeze or unfreeze my credit. I do not want online access using my email whatsoever, as if I had never signed up at all.
Product: Checking or savings account

To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint regarding the mishandling of a fraud case associated with my Bank of America account.

In 2019, I experienced significant fraud involving my Bank of America account. During this period, I was also the victim of a robbery in which all my personal items were stolen, including my Social Security Number ( SSN ), driver 's license, bank, and credit cards. This theft led to fraudulent activities across multiple accounts.

Despite my efforts to resolve this issue, including filing a police report a few years later, Bank of America has refused to correct the fraudulent charges on my account. My initial attempts to address the issue directly with the bank were unsuccessful, and my subsequent appeal was denied without any evidence linking me to the fraudulent activity. 

Additionally, Bank of America has reported this issue to XXXX, which has significantly impacted my ability to open new bank accounts. As a mother of XXXX children under the age of XXXX and XXXX XXXX with my XXXX XXXX, this situation is causing considerable hardship for me and my family. 

I have attached copies of the police report, and documentation showing the XXXX report for your review. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/XXXX at XXXX XXXX  XXXX  I spoke with BofA XXXX XXXX by phone, my father then came on the line as well to do a conference call at XXXX XXXX XXXX My father & I asked to settle my closed credit card amount of XXXX. The agent XXXX offered us a XXXX XXXX discounted amount of XXXX, we accepted & my father paid it that day over the phone from his bank account. BofA then mailed me a letter dated XX/XX/XXXX vaguely stating : Unfortunately we are unable to process your request. On XX/XX/XXXX at XXXX XXXX XXXX I called the phone number on the letter & was told by an agent that I still owe a balance of XXXX. I asked if he could see the last payment made of XXXX which was a payoff & he said he could see a payment of XXXX. I told him that is incorrect & stated that I was offered a settlement orally which was accepted & paid on XX/XX/XXXX & requested the agent review the call from XXXX XXXX  as proof & to notate my account that a settlement was agreed upon. He said he would do so & I told him Id call back later instead of holding. I called on XX/XX/XXXX at XXXX XXXX  XXXX & to check status of the call review & ensure BofA was honoring the settlement agreement. The agent stated no calls were reviewed on my account & the loan still has a balance. I requested the agent notate my account that an oral settlement was agreed upon & that the previous agent promised to review the call & failed to do so. I received the same letter from BofA as the one they dated XX/XX/XXXX but this one was dated XX/XX/XXXX again stating were unable to process your request. I called BofA to check status on XX/XX/XXXX at XXXX XXXX  XXXX & spoke to a XXXX XXXX. She stated I am not eligible for a settlement due to my account not being past due & that I am enrolled in a hardship program. I asked her if she reviewed the call from XX/XX/XXXX as I was told then that I was disenrolled from the hardship program so they could offer me the settlement which I accepted. XXXX replied she did NOT review the call but she knows the agent XXXX made an error & will be informed of that & BofA will not honor the settlement. She said I can send a letter of indemnity to BofA to file a dispute within XXXX  days. She told me XXXX  to login to my BofA account which I informed her twice that I no longer have online access to as BofA XXXX it due to my credit card XXXX being closed. I asked to be mailed a copy of the credit card terms & conditions which she said will be sent. I ended the call then feeling very betrayed & deceived by there breach of oral contract about the settlement. I received a regular statement in the mail showing the payment of XXXX & a balance due of XXXX payment due date XX/XX/XXXX, XXXX  payment due XXXX ( which was the amount I was paying monthly on the hardship program. ) BofA did not honor there word in disenrolling me from the hardship program, they did not honor that they agreed to a settlement, offered me the settlement amount which I & my father accepted & fulfilled the offer the same day. They did not honor that they said they would review the call recording either. BofA has proven to be deceptive & misleading & lacking accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call on XX/XX/2021 from a lady with XXXX asking me if I could provide my information to obtain a quote. I told her that I would call back when I was ready because I'm in the middle of a new car purchase. On XX/XX/2021, the same lady called me back and asked if I was ready to purchase XXXX insurance, and I told her no and that I have insurance so I wouldn't consider switching for another 30 days after I complete my new car purchase. On XX/XX/2021, I received a Fair Credit Reporting notice reflecting XXXX ran my credit. I didn't give permission for this to occur and feel violated. I know XXXX doesn't have the right to run my information without my permission and that is what happened. I have tried calling them, and no one knows what to do or say to resolve the issue so I need to file a formal complaint because they are 100 % in violation and cause an inquiry that I can't have removed.
Product: Debt collection

On XX/XX/XXXX, I reached out to the attorneys office, XXXX and XXXX in XXXX representing creditor Regional Acceptance to follow up with them regarding a payment arrangement for a balance of {$15000.00} that I had from a voluntary repossession. When I spoke to the Legal Assistant, XXXX XXXX, she informed me that I now have a default judgment as of XXXX of XXXX which now made the balance {$25000.00} accumulating interest daily. I was totally unaware about a default judgment because I never received any correspondence regarding it because of course, I was trying to work something out with them before the new alleged court date ( original court date set for XX/XX/XXXX ). I had been in contact with this office since XX/XX/XXXX to set up a payment arrangement initially dealing with a legal assistant who no longer works there. When I filed a complaint around that time, they responded by saying they had reset my court date to give me more time to arrange a payment plan. The court date was never reset, and this was also confirmed by the XXXX XXXX XXXX XXXX. Regional acceptance sent me a letter stating that if an acceptable arrangement isnt worked out, the matter would be pursued in XXXX where I currently reside as of XXXX, and I hadnt heard anything else since. After speaking with XXXX, she informed me that my case would be handed off to another legal assistant, XXXX XXXX. Regional acceptance requested my last two check stubs and my monthly expenses which I provided on XX/XX/XXXX and offered 20 % of the balance, so Im not understanding what is taking so long to decide if they would accept my offer for a settlement. We literally just went through a pandemic, and people are trying to get back on their feet including me. I am trying to take care of this matter and get this mistake behind me, and I feel that they are stalling and I am getting the runaround. XXXX was supposed to check with her supervisor to find out what happened to the court date that was supposed to have been reset. The ball was dropped somewhere and this is not only affecting me, but the future of my XXXX  son, as I am a single mother. Ive followed up with XXXX a couple of times regarding this, and she stated that her supervisor hadnt looked into it yet and it had been 2 weeks that passed. I called today because another 2 weeks has passed and still nothing!
Product: Debt collection

I reached out on XX/XX/2021 via letter to NCB Management who owns the debt and has now outsourced to XXXX XXXX XXXX. NCB management/XXXX XXXX XXXX say I owe about {$16000.00} for a car. I have not received a letter of the notices or allowable resale of a vehicle. NCB Management still reflects on my credit report with XXXX, XXXX, and XXXX with no proof of debt owed or legitimate documents. This has harmed my credit and is considered a violation of the FDCPA and FCRA. Please advise I submitted a letter to XXXX, XXXX, and XXXX in regards to having the debt collector verify the collections and havent received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act this information I unfamiliar and unauthorized inquiries that at reporting on my report. 
Here is a list of unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report false information on my credit report. They claim I owe them on an account that I had previously paid with another creditor. 

I have tired of this company continually violating my rights under the FCRA. I have disputed this account at least 5 times with Equifax since XX/XX/XXXX. Equifax states that XXXX XXXX XXXX continues to submit this information. 

I have submitted multiple complaints concerning this issue on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

This false report has cause my credit score to decrease and has affected my ability to gain credit. How many times will this fraudulent activity continue to be allowed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with getting resolution in regards to the inaccurate items on my credit report. I have sent in over 20 certified letters that include a copy of my drivers license, current utility bill and any verification to coincide with what I am trying to rectify. Equifax is reporting inaccurate information which has been harmful with my daily living. There are inquiries on my report from the same business, the same day. I have not asked for any credit with this business. Also, my personal information is incorrect and I have sent in proof.
Product: Debt collection

A Debt collection received in the mail from Midland Funding llc on XX/XX/year> for {$3400.00} For XXXX in which I never have account with before. 

Thank you!
Product: Mortgage

My bankruptcy was XXXX on XX/XX/2023. Click N Close is still claiming that there is a pre petition arrearage of {$2900.00}. Because of the claimed shortage Click N Close has not release an escrow overage of over {$17000.00} and is not applying my payments to the mortgage. However the documents attached show that there is no shortage and the mortgage is not in arrears. Attached you will see a notice of final cure from the bankruptcy trustee and the response from Click N Close 's attorney agreeing that the account is current and all pre-petition arrearages have been paid. Also attached is payment history for the pre-petition arrearage along with the notice of discharge from the from the U.S. Bankruptcy court dated XX/XX/2023..
Product: Prepaid card

I have {$1200.00} worth of Amex rewards prepaid gift cards. I have tried to use them on XXXX XXXXXXXX, multiple online merchants and an in person merchant. I tried swiping cards and entering them manually. Nothing worked. I contacted the provider and they could not help at all. The cards are virtually useless. I have gone onto their website and each one has the full balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice on XX/XX/XXXX that my Transunion credit score had gone down and when I signed in I found an account from XXXX XXXX XXXX that said that it was a student loan opened in XX/XX/XXXX and most recently updated in XX/XX/XXXX. First of all, I did NOT attend school there in XXXX or XXXX and sure as heck didnt have a loan from XXXX XXXX XXXX. My credit report now says I have 18+ past due payments over the last 25 years and brought my 100 % payment history to an 80 %!!!!!!!!!!!!! Are you kidding me????? 
Transunion obviously has a bunch of morons working for them. This has got to stop!
Product: Credit card or prepaid card

Macys credit card has damaged my credit, charges unnecessary interest charges on XXXX balances and reported 30 days late to my credit report without notifying me of the issue. I opened a new bank account and updated my auto pay on XX/XX/XXXX. My payment for XX/XX/XXXX was shown as paid and when checking my balance on XX/XX/XXXX I saw there was suddenly no auto payment set up. I contacted the company right away to find out why this happened. They had also charged me over {$87.00} in fees and interest. The company advised me that the auto pay did not go through and could not provide explanation as to why my auto pay was suddenly canceled or why I was not notified that there was a problem with my auto payment. When viewing my statements there is also no missed payment shown for XXXX. Upon reviewing my credit report in XX/XX/XXXX I found Macys had reported an over 30 days late payment for the auto pay error however the payment had in fact been paid for XX/XX/XXXX and was not over 30 days late when I discovered the issue XX/XX/XXXX to resolve it. I would like this removed from my credit and the interest and fees refunded. I also noticed on several occasions- the most recent XX/XX/XXXX Macys has randomly charged interest on {$0.00} balance. This is sneaky business practice trying to steal money with random interest or fees and without notifying the consumer of the problem. Macys also reduced my credit limit as a result of this error and my credit score dropped XXXX points damaging my credit reputation erroneously.