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

In XX/XX/2018 I entered bankruptcy due to a failed buisness. I had personal guarantees which caused me to file for personal bankruptcy. During this time I had a car loan with Nissan Finance. I never missed a payment and have since payed the car in full. I met all obligations of the loan contract but XXXX  has a negative report against me.
Product: Debt collection

I have no idea why these people keep calling me. I have no debt and they will not stop harassing me and countless others! Please do something about it!
Product: Credit card or prepaid card

This is a complaint against or with Comenity Bank and their XXXX Visa Card. 
on XX/XX/XXXX I used my XXXX Visa Card ( Comenity Bank ) to pre-order the XXXX XXXX XXXX through the XXXX website. 

Subsequently, there continued to put near weekly pre-authorization charges on my card until the item was finally charged to my card/account on XX/XX/XXXX. 

The item was then delivered and received on XX/XX/XXXX. 
With this, one would expect that any remaining pre-authorization charges would be removed from the account. However, 8 weeks later, my credit card continues to show 4 pending pre-authorizations amounting to over {$2100.00}. 

During the timeframe of XX/XX/XXXX through XXXX ( today ) I have reached out to both Comenity bank multiple times ( both Tier 1 and Tier 2 customer service reps ) ; then I also reached out to XXXX customer service who did a technical ticket that verified this was an issue with Comenity Bank 's oversight of the account pre-authorizations. 

Thus, on XXXX I wrote a desperate email to the CEO of XXXX requesting help. Then on XXXX XXXX executive offices contacted me and we spent several hours on the phone with Comenity Bank customer service reps, ultimately ending up with Account Supervisor on XXXX. The account supervisor was unable to provide any assistance other than to submit a technical IT Ticket to review the account and order. 

This supervisor stated that they have issues or a new policy that pre-authorizations are being held for an additional 120 days after delivery for XXXX pre-order purchases -- except this purchase was for an XXXX XXXX XXXX. 

The account supervisor says we can not dispute the pre-authorizations because they are not " posted '' transactions. However, since the money is being held, it's as though I am being charged for the pre-authorizations, but I already received my purchase and item. 

Ultimately, the issue is that {$2100.00} of my available credit is being withheld by Comenity for an item and purchase that has already posted to the account and the item was successfully delivered from XXXX
Product: Credit reporting or other personal consumer reports

I filed an FTC report for identity theft because my personal information has been exposed in a data breach of over XXXX XXXX consumers personal information. I would appreciate to have all accounts on my credit report removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : name and address not XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : credit card not mine XXXX XXXX  FCRA Violation : collection not mine XXXX XXXX XXXX XXXX  FCRA Violation : hard enquiry not mine XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make any this charge. I ask that the items get deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, about a year ago my wallet was misplaced when I attended a concert with a group of my family members. Inside of wallet Included my ID and social, along with my cards and some cash. A few months ago I viewed my credit report and noticed some things attempting to be opened in my name, things that I did not do, which lead me to believe that I am a victim of identity theft. I am very exhausted and so tired of dealing with this same issue regarding my credit report. I am needing the items to be removed off of my credit report as soon as possible to fix my credit file. As I am tired of worrying, and I am hoping these things get solved as soon as possible.
Product: Credit card or prepaid card

The company decreased my credit limit and caused my usage to report at XXXX percent, ( if you use over XXXX percent of your limit your credit score will decrease ) My initial limit was XXXX I made purchases of XXXX and before the Bill was due I paid XXXX on XX/XX/XXXX and on XX/XX/XXXX I paid XXXX, My credit limit was decreased to XXXX ( while I was in the middle of purchasing a home ) so this caused my score to drop and I can lose my down payment on a home purchase.I was not notified in a timely manner so I could take any actions to avoid the problem.I don't have any lates on my credit to cause my limit to be decreased.
Product: Credit reporting or other personal consumer reports

Having a complaint with Experian, Within two weeks they've dropped my credit score XXXX points, With my only inquiry being me applying for 1 credit card. There are lack of transparency when it comes to them.Taking chunks out of credit score is frustrating. Especially when i've never made a late payment on anything. Every time I bring my credit score up more.They find some random reason to take payments out without rational explanation.Just a bunch of " it could be this or that ''
Product: Credit card or prepaid card

In 2016, I was a victim of identity theft were Capital One account was opened under my name. The only accounts I have that are accurate are two accounts showing under XXXX XXXX and XXXX XXXX. I called Capital One and they said they sold account to a collection agency. I contact the agency immediately and provided documentation showing the fraudulent account. After review, I was told that Capital One will be notified that the account is closed and there is XXXX balance due to the account being fraud. When trying to apply for my own account, I was denied due to the account. Im being calling for 3 month almost everyday trying to explain. They even called the agency on 3 way call and they explained that the account on there end was closed due to fraud. Capital one stated it didnt matter and that they investigated prior and the payments was coming from an account in my name. I advised them that is true because banks account were opened under my name with ( XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ) I told them that I have documentation like police report to reinvestigate. I was told it was nothing they could do even though this Capital One error. The previous investigation was done over the phone and the rep told me I didnt need to provide any documentation. If I did they would contact me. I need this account removed under my name so that I can proceed with applying for chase. All accounts that Im on is in good standing expect this fraud account.
Product: Debt collection

I reported to the company about the potential problem and issue of the debt to be resolved and removed from credit inquiry the reporting has caused a negative value on credit by discrediting me and lowering my initial credit score in attempt to keep me bondage to their debt procedures I asked for it to be removed and resolved as a result to no discredit me and allow such negative derogatory remarks to keep me bondage
Product: Credit reporting 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 an 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
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached!! Despite my previous XXXX written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. 

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. 

Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your willful disregard of Federal Law. 

When we go to litigation, through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that the aforementioned items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.
Product: Credit card or prepaid card

There is is a class action suit against CITI card holders for charging too much interest. I received a letter in the mail stating that I may be one of these customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1500.00}
Product: Credit card or prepaid card

I bought the securespend prepaid mastercard to pay my internet bill. The card does not have valid no any zipcode attached to it, making it invalid for any and all online purchases. I put XXXX dollars on the card to pay my bill, you can only be physically there to use this card, it says you can use it to pay bills online. No It can not as iv tried every avenue and every number I call including the back of the card provides no help and only computer voiced options that do not connect you to someone who can help. This should be highly illegal as all online purchases require a zipcode. These cards have not one option to add one, they only work as credit which is not what they are advertising on the card packaging.
Product: Checking or savings account

Sub : Citi Bank is cheating the customers not giving the bonus. 
Ref : XXXX XXXX Citi Priority Account endingXXXX XXXX XXXX Citi Priority Account endingXXXX I opened an account with CITI Bank on XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. At that time there was a Citi bank bonus offer of {$500.00} to the customers if any customer deposits an amount of {$50000.00} or more for three months. According to the offer I deposited {$50000.00} on XXXX XXXX, XXXX and I opened the online banking at the time of opening from the bank itself. XXXX XXXX XXXX was the representative who helped to open the account. After opening the account, she had given me a referral offer with a referral ID ( XXXX ) and explained me that if I refer any new customer and the new customer deposits {$50000.00}, I would get a referral bonus of {$300.00} and the new customer would get {$500.00} which is the bank bonus offer existing at that time. According to my referral my XXXX XXXX XXXX went to the same representative XXXX, opened an account and deposited {$50000.00} on XXXX XXXX, XXXX. She showed the copy of the bank bonus offer of {$500.00} and also showed my referral ID to XXXX. XXXX also explained her the same that she would get {$500.00} as the bank bonus and I would get {$300.00} as the referral bonus. 
After the three months, I received my {$500.00} as the bank bonus to my account and in XXXX XXXX, I received only {$100.00} as the referral bonus. When I enquired about it bank says different answers and now says that the maximum bonus is only {$100.00} for referral. 
Today, when I saw the branch manager XXXX XXXX XXXX, he told me that he does not know what happened six months ago and he was not responsible for what the representative had talked me and given me and he can not resolve my problem. 
At the same time my XXXX XXXX XXXX received only {$300.00} instead of {$500.00} as bonus which is also cheating. She opened the account and deposited {$50000.00} only because of the banks {$500.00} bonus offer. 
I request you to kindly investigate this cheating and take necessary action in order to get my bonus from the bank. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting an charge off each month with a balance of {$770.00} for this account. XXXX XXXX XXXX XXXX XXXX As were both aware a charge off account is a dead account which means that there shouldnt be any interest accruing after the account charged off, there should not be any late payments reporting after this account was charged of along with reporting c/o every single month, Im aware that there is date of last activity ( the date on any account should be when a payment was made, or account status change made on the account ) so if you are reporting charged off every month the date of last activity is being reset every single month that you are reporting an charge off meaning that my reporting time is based on my date of last activity so with the 7 year reporting time for every charged off account from my understanding this account was charged off in XXXX and since then youve continued to report charge off on my credit report, which affect my dola ( date of last activity ) & is continuously been extended Ive attached copy of this account as its being reported from your bureau as well as listed below are the other accounts in question. 

{$230.00} XXXXXXXX XXXX XXXX XXXX {$430.00} XXXX $ XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX $ XXXX XXXX XXXX $ XXXX XXXX
Product: Vehicle loan or lease

a ) My credit application for MB Financial was for {$72000.00} to buy this car but at the end of the contract they added lot of fees and charges and brought the final loan amount to {$87000.00}. 

b ) The finance manager talked about his vacation and all kinds of things when I signed the contract on a little XXXX where I could not read. I need reading glasses to read such small fonts and I requested for a reading glass but they said they do not have it. 

c ) Once I got home and read the paperwork To my surprise the total loan amount is more then 20 % of what I had originally requested with MB Financial to buy the car.
Product: Consumer Loan

I entered into a lease with Mercedes Benz on XXXX/XXXX/15. The lease was for a 2015 XXXX. Within three months, the vehicle 's radio stopped functioning and required replacing. Seven months thereafter, the navigation stopped functioning and requires replacing. Within that same month, the engine requires rebuilding after taking the vehicle in for noise coming from the front of the vehicle and shaking. Prior to a year into the lease, all of the above occurred and I was out of my vehicle and in a loaner more than I was in my vehicle. At that point, I asked the claims management department to take me out of this faulty vehicle and place me into a different vehicle, as a means of good faith. They refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern Credit Card Reporting Department : PLEASE CORRECT & UPDATE MY CREDIT REPORT TO CURRENT : XXXX XXXX XXXX XXXX  account : XXXX. ON EXPERIAN NOTHING IS BEING REPORTED AT ALL. IT IS LISTED AS OTHER ACCOUNTS AND NO STATUS FOR EXPERIAN. I HAVE CALLED BUT HAVE GOTTEN NO WHERE OVER THE PHONE. PLEASE CORRECT & UPDATE MY CREDIT REPORT TO CURRENT : XXXX XXXX XXXX XXXX account : XXXX, UPDATE MY REPORT TO CURRENT! In accordance with the Fair Credit Reporting act XXXX. This is a very serious matter of going against the fcra. According to the law you have to update ( XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) to current. The last time this account was reporting according to XXXX records was XX/XX/2023 in the month of XXXX. As I am writing this today, today 's date is XX/XX/2023. It has been over 3 month 's since this account XXXX  XXXX XXXX XXXX account : XXXX has been reported. You have violated my rights and have failed to update this account and report my account on time. According to the FCRA you are suppose to update my report every month when the credit card company reports, but XXXX have failed to update my report to current. I have spoke with XXXX XXXX XXXX XXXX, and they said they have been reporting since XXXX all the way to the month of XXXX, but when I check my credit report, the last report date is XXXX. Please correct this error. This is Defamation of Character and if you do not update my credit report with XXXX XXXX XXXX XXXX account : XXXX PLEASE UPDATE MY ACCOUNT BELOW : UPDATE MY REPORT TO CURRENT : XXXX XXXX XXXX XXXX  account : XXXX, UPDATE MY REPORT TO CURRENT DATE. REPORT CURRENT INFORMATION. 



Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Student loan

I have been paying my XXXX  loans for XXXX years and I am on a repayment plan of a total of 20 years then they will be discharged/forgiven. My student loans have been paid to XXXX XXXX XXXX ( XXXX ) since 2015 ( 8 years ) and they were transferred over to NELNET. I have asked Nelnet 3 times ( once on the phone after waiting on hold for XXXX hours and twice by emailing them on their message portal on their website ) to provide me with a breakdown of my payment history of 8 years and they will not. They refuse and I am worried that my 8 years of repayments will not be counted towards my 20 year forgiveness and will be lost. I called XXXX and they told me to file a complaint against Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting this CFPB complaint to you today to inform that I will be filing a lawsuit against the Credit reporting Agencies. For the last 4 months, I have been disputing for the correction of my Credit report by having the disputed items removed from my Credit report and yet they have failed to do so. Also, the Credit Reporting Agencies have been claiming that the disputed items are verified and are accurate per the Creditors ' verification, however, no matter how many times I ask for the Credit Bureaus to send me copies of proof of verification, they do not comply! I have had enough of their stall tactics and I am working with my legal team to submit a lawsuit against the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to investigate the disputed items and present the results of their investigation after 30 days. Five months have passed and the Credit Bureaus have been sending me nothing! I am disappointed at the Credit Bureaus, the agencies whom I thought of the one willing to help us consumers is the one making our lives miserable. This will be last attempt to contact the Credit Bureau via CFPB portal and in the event the Credit Bureaus do not comply with the requests, please understand I am only filing a lawsuit to protect my consumer rights. If it is not too much to ask, please have the following items removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  discharged Reference # : XXXX
Product: Credit card or prepaid card

Synchrony Financial closed my XXXX XXXX XXXX ( XXXX  Credit Card ) due to inactivty XX/XX/2019 without my consent.. The removal of the {$7500.00} available imapct has caused damage to me in two ways : 1 ) Lowering of my credit score due to the change in my credit usage ratio as a result of the loss off the {$7500.00} credit limit. 

2 ) Loss of an account that I will have to reapply for in the future which will incur another hard credit inquiry. 

I spoke with an " Credit AccountsManager '' and they informed me they would not reactivate the account and that I would have to apply again.
Product: Credit reporting or other personal consumer reports

I did not apply for credit or a loan from XXXX on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious issue regarding an unauthorized account that has been opened under my name. This account is fraudulent, and its existence on my credit report is a direct result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reported to Experian that a debt collection ( XXXX XXXX XXXX ) is being disputed on its validity since XX/XX/XXXX. The collection on my account should be labeled " in dispute ''. And if the company can not confirm debt validation in my name the collection should be taken off my report.