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

They are calling me about XXXX XXXX that was sold to Wells Fargo since 1999 and then said I had an account and supposedly I owe them XXXX and they want me to pay {$76.00} every two weeks for 24 weeks or I will get served to go to court and have to pay {$5000.00}.
Product: Money transfer, virtual currency, or money service

An unauthorized transaction for {$170.00} was made from an account that used my personal information that I knew nothing about nor the individual who money was sent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} I Dispute these accounts that dont belong to me and belong to someone else with the same name to the credit bureaus and the accounts still remain on file in was not deleted.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 601 states I have the right to privacy. 15 us 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Yes I never opened a XXXX card my name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 my TransUnion Credit Score dropped from XXXX to XXXX  because there wasn't enough information on a loan I supposedly have. I don't have XXXX XXXXXXXX XXXX right now, I'm not applying for loans, and their credit report on me correctly shows I have no loans. I would like my old score returned to reflect the fact that this information they think is missing doesn't exist.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, an unauthorized XXXX transaction of {$200.00} was deducted from my account and sent to an individual named XXXX XXXX. Despite my efforts to recover the funds directly from this individual, I was unsuccessful. Consequently, I contacted my bank, Santander, to report the fraud. 

Initially, XXXX assured me that they would investigate the matter. However, after ten days, I called for an update and was informed that the funds had indeed been debited from my account. I firmly believe that my account was hacked, as I did not authorize this transaction. 

The bank informed me that my claim had been closed. I expressed my dissatisfaction, pointing out that they had not conducted a thorough investigation, especially considering they hadn't contacted the receiving bank to attempt a fund reversal. I visited my local branch to file a complaint against the initial agent who handled my claim. During this visit, I was wrongfully accused of altering my story, which was not the case, as evidenced by the consistent details in the police report I filed regarding this transaction. 

My request is straightforward : I seek the return of the {$200.00} that was wrongfully taken from my account. 

Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter requesting the removal of unauthorized inquiries on my report which I do not recognize. From Transunion, I didn't even receive a response concerning these inquiries at all nor were these inquiries removed which is damaging to my reputation and credit report. From the other two, they didn't do anything to remove them at all. This shows that our information can be requested and distributed without our permission. This isn't how it should be ... no privacy anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting two loans on my credit reports when in fact it should only be one loan. They are reporting the same loan twice because they transferred my loan to another location when one closed. This now looks as those I had two loans with them that charged off. They are violating my FCRA. I even spoke with an agent who verified the account reporting is for the same One loan. I have made several attempts for them to update my credit reports removing the one loan and to report accurate account information which they refuse to do.
Product: Checking or savings account

On XX/XX/year>, I was told that my Citi bank account is being closed and has a hold on it. I need to withdraw my funds. I have a local branch I can go to. To withdraw my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit reporting agencies are required to remove any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} ; XXXX  XXXX Balance : {$0.00} XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted in from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

North American Title Loan had a loan on a XXXX XXXX XXXX, North American Title Loan, and their contractor XXXX XXXX XXXX XXXX did repossession illegally a XXXX XXXX XXXX on XXXX XXXX, 2017 from my home. The vehicle repossessed was n't the vehicle that the loan was taken out on. In somehow realizing by XXXX XXXX XXXX XXXX that they repossessed the wrong vehicle, they unloaded the vehicle on the side of the road without notification. On XXXX XXXX, 2017 as found by XXXX County Sheriff Department, the vehicle was found, surveillance video from entrance and exit in plain view and clear picture captured the truck name, and drivers face of XXXX XXXX XXXX XXXX. On XXXX XXXX, 2017, a representative from XXXX XXXX XXXX XXXX showed back at my home, and requested information about the right vehicle, when advised of the occurrence on XXXX XXXX, 2017, the representative acknowledged that she had previously informed the driver at some point in the past, that the vehicle taken was n't the vehicle sought, she immediately advised her home office of the error and left my property immediately. On XXXX XXXX, 2017 in conversation with the Home office of North American Title Loan LLC, they of course denied any involvement, and denied their agent did the act, then stated that their agent returned the contract as unfounded on XXXX XXXX, 2017, until I advised that they further attempted collection, on XXXX XXXX, 2017. On XXXX XXXX, 2017 I had the vehicle evaluated by XXXX XXXX XXXX, in XXXX, SC at which the damages was assessed at {$13000.00}, torn transmission, bent right rim, and body damage repair.
Product: Student loan

until XX/XX/XXXX I was making loan payments to navient every month through automatic withdrawal/payment. what I did NOT realize ( because I thought I was in good standing ) was that they were charging me a late fee of at least {$6.00} every month ... even though it was an automatic payment every month. I asked them to fix the issue and reimbursement the late fees bit they would n't so I told them I would stop paying them. now, I am unable to view my account history in full to prove my case ( account history stops at XX/XX/XXXX ). I believe that the late fees accrued nearly every month from the time I set up auto payment ( but I am unable to see my entire account history on their website ).
Product: Credit reporting or other personal consumer reports

Someone submitted an application in my name to XXXX and XXXX XXXX. My XXXX report was pulled. I tried to pull my Experian and XXXX XXXX reports to see if anyone pulled those reports but neither company provided me with my credit file. The false application occurred on XX/XX/year>. I tried to pull my reports on XX/XX/scrub>XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Lexis Nexis recieved my 1st of 3 certified dispute letters for bankruptcies that they have reporting under my Social Security number. I received a letter from them on XX/XX/2018 stating that the bankruptcies in question were verified and were reporting correctly on my LexisNexis report. 

In response to their letter I sent the 2nd of the 3 certified dispute letters on XX/XX/2018 asking if they could please send me a copy of the document bearing my signature as well as the as the name, address, and telephone number of each person that was contacted to verify the alleged bankruptcies. They received my 2nd certified  letter on XX/XX/2018. 

In response I received a letter from them on XX/XX/2018 again stating that everything was reporting correctly, but they failed to provide me with the documents that I asked for bearing my signature as well as the names, addresses, and telephone number of each person that verified the bankruptcy. 

On XX/XX/2018, I sent the 3rd certified letter to them ( LexisNexis ) demanding again that they send me a copy of the document bearing my signature as well as the each person used to verify the bankruptcies they are reporting. I even sent them a letter from the bankruptcy court that says they do NOT report any information to any credit agency. 

I received their response on XX/XX/2018, again stating they have verified the alleged accounts. I have repeatedly asked for their method of verification and they are refusing to give me this information except to say that they are using XXXX, which does not allow for 100 % verification because according to the Court Clerk I spoke with, statements of social security are redacted from not only my view but the public 's view.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Sent letters to credit bureau asking for how they verified information to be accurate for it was not. They keep stating it meets FCRA requirement however never send me the information that I am looking for and that proof the account is mine and how did they verify said account. 

XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1900.00} XXXX University I never attended. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I got a withdrawal check at XX/XX/XXXX of {$250.00} from Citi bank. The check date is XX/XX/XXXX. I didn't even know the person who cash my check. Plus it's from XXXX, Citi bank shouldn't let them cash it anyway. I call Citi to fix the case. Yet, until today, there's no response.
Product: Debt collection

I have continuously disputed this collection with Optimum Outcomes, INC for XXXX and this Company does not respond. 
I have disputed with the credit bureaus as well. This inaccurate information was removed from my credit report months ago and all of sudden it magically appeared on my report and I was n't sent a dunning letter or anything giving me a chance to request debt validation. However, I chose to send a debt validation letter to this company in XXXX XXXX and they never responded. I have no idea who this company is and have never heard of them. Unless they cam provide a legal document with my signature stating I agreed to pay this alleged debt, I want this removed from my XXXX credit report immediately! Please send me a letter confirming this has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX XXXX sd, ( bank for my XXXX  XXXX  card ) sent me a notice that my account was past due. it was reported with the high balance to Experian that included exorbitant fees. i had paid. I sent the canceled check. they argued and did not credit and kept threatening that i had not paid. Experian did not remove the high balance and my credit score went down. I disputed with Experian, bank card said they did not have any information in letter format and that I needed to write them a letter. no.
Product: Student loan

I am cosigner on my daughters XXXX loan. My daughters loan is in default and XXXX loan has given this loan to debt collector Attorney Russell P Goldman located at XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, NJ XXXX. This debt collection company put a levy on my bank account and took everything I had without notice. My daughter and I received a letter that XXXX Bank as well as XXXX XXXX XXXX had a levy placed on them. Neither of these banks do I hold an account at. My bank is XXXX XXXX and this bank was not mentioned in any of the received paperwork. Also once before they had placed a levy on my daughters XXXX Bank account and when my daughter wrote a letter to the court to claim her {$1000.00} exemption they lied to the court and said there was no levy yet we supplied the court with a copy of the paperwork where they did. This debt collection company does not work within the guidelines that they are to follow. If they have been dishonest with my daughter and myself then I can imagine they have the same practice with all of the people they are harassing for payments. My daughter has also in writing on numerous occasions asked them to consider payment arrangements as she does not deny the debt, it is that the payments were so high she could not afford them. This debt collection agency has ignored every request that my daughter has made to them in writing about a payment plan. XXXX loan was seeking {$1900.00} per month from my daughter directly out of college. My daughter was granted XXXX forbearance and then denied consolidation as well as refinancing as they said she did not make enough money to do these things. We still do n't understand this logic as consolidating would have made her payments less and would enable her to keep on track. XXXX loan essentially dismissed my daughter as she was not making full payments but she was paying whatever she could and XXXX loan defaulted her even though she was attempting to make any kind of payment to them. In closing I would like to also add that XXXX of the loans that was less than {$90000.00} has now somehow since XXXX blossomed into {$210000.00} while at this debt collecting agency. Is n't this Usury?
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I paid for a background check on XXXX, which is processed through Sterling Check. The background check was supposed to take only XXXX days. On XX/XX/XXXX, I called Sterling Check to see what the status was and the reason for the delay. I was told to call back on XX/XX/XXXX, which I did. They provided no update except they changed the " estimated '' completion date to XX/XX/XXXX and to call back in XXXX hours to check the status again. I called again on XX/XX/XXXX to check the reason for the delay ; their response referenced that the Kansas Court system is down and they don't know when it will be back up. Based on a news article about a security breach, the Kansas Court system has been down for XXXX weeks and will not be back up until after XX/XX/XXXX- making the background check take more than 3 months. In addition, I do not live in Kansas ; I only landed in Kansas for a few days while I was waiting on my apartment in Missouri. I updated my address with XXXX but XXXX refuses to use my current and permanent address for the background check. I barely stayed in Kansas for a few days. There is no reason for XXXX to be forcing a background check in a state I was only visiting. 

With the background check taking an estimated more than 3 months to be completed, I demand a full refund of the fee I paid to rover for the background check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello the reason why I am writing this complaint without prejudice because I realize building my credit again I made consent payment on a car loan that was under my name and my credit report. The company " Bank Of America '' reach out and told me that I have to make payment on this loan after the loan price reduce from {$17000.00} to XXXX. As well as the start of a XX/XX/XXXX I start to make monthly payments on the following date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On the listed dates you will see on my bank statement, looking at my credit report these 's payment was not report on my credit report. After the payment on XX/XX/XXXX they told me that I will have to call them to rearrange a payment on another payment plan to continue to pay off the loan. I did not even receive any notice about this payment arrangement or plan. But I still try to pay it off to get a positive reporting but that did not happened. Base off " The Fair Credit Billing Act ( FCBA ) '', For disputes about billing errors '' failure to post payments and other credits, such as returns. I will like to challenge this auto loan inquiry that is damaging my credit report and history.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of the Equifax data breach. i want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has come to my attention that XXXX XXXX XXXX has been sharing my information with non affiliate 3rd party. Pursuant to 15 U.S. Code 6802 and the Privacy Act of 1974, they should not be sharing my information with 3rd party non-affiliates without the required disclosures. I'm coming to the CFPB because under 15 U.S. Code 6805. I am using my right to opt out 16 cfr 313 Privacy of Consumer Financial Information.
Product: Debt collection

MERCEDES BENZ FINANCIAL HAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. 
I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. 
IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.
Product: Credit card or prepaid card

I have been struggling with this company to remove late fees from my account, as I was taking care of myself and my family due to COVID-19 hardships. In the history of my payments, I have always been on time, but this company has been indiscriminate, without paying any attention to the transactions being posted as Late Fees on the same day as the due date. My payment due date was XX/XX/2020, being the XXXX of every month ; and they slammed me with the late fee on the same day, even though my statement closing date is XX/XX/2020, the XXXX of every month. Based on the simple principle of accounting, no late fees should have been charged and put on my account until the statement closing date. But this is not the case. They are charging {$40.00} and adding it to my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted online XX/XX/XXXX, mailed XX/XX/XXXX " Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 

These items by XXXX XXXX ( Account # # : XXXX ) are inaccurate because correspondence was continuously mailed to the wrong address, thus I was unaware of payments being due/delinquent. I am requesting that the items be deleted to correct the information. 

Enclosed are copies of correspondence/bills/letters mailed to the incorrect address, supporting my position. Please reinvestigate these matters and delete the disputed items as soon as possible. '' Responses received XX/XX/XXXX and XX/XX/XXXX that " ... investigation included the review of all relevant account history and documentation ... we determined the information reported is accurate ... .credit adjustment denied ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I need your help regarding multiple inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

I used my XXXX XXXX XXXXXXXX XXXX credit card on XX/XX/2023. The limit is approximately {$200.00}. I spent {$58.00} and within 3 days XXXX XXXX XXXXXXXX reported it to Transunion. Transunion immediately decreased my XXXX XXXX XXXX points 3 days after using the credit card. Take into consideration I did not use half the credit card balance and they still decreased it. The question is are the credit bureaus suppose to decrease the XXXX XXXX after using your credit card. The card was not close to the limit. This is discrimination against a XXXX consumer.