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

On XX/XX/XXXX, I signed up with creditrepair.com to repair my credit. On XX/XX/XXXX, I cancelled the service, but 2 days later, was charged a further {$99.00} despite my cancellation. 

The reason I cancelled the service was because I was not being made aware of any work actually being done, despite numerous requests. In total I paid {$300.00}. After cancelling I have repeatedly asked creditrepair.com in writing and over the phone, for a list of items they removed from my account but they have refused to provide it. I have requested a copy of my file and they have refused to provide that too. 

What they have offered to provide is a copy of my old report and current report - with the insinuation that the difference is down to them - however that would be inaccurate as I have since hired a different credit repair agency who may have made any said changes. 

I believe Creditrepair.com charged me {$300.00} and did not make any deletions to my credit report.
Product: Credit card

We were charged {$520.00} on XXXX XX/XX/23 by a scammer posing as XXXX XXXX customer service, we were told the charge was for the cost of our new tickets, but XXXX XXXX has confirmed there was no such charge on their end. Disputed this with discover and submitted supporting documentation but they sided with the scammer and notified us XX/XX/23. We were unable to contact the scammer as their old phone number is no longer valid, discover claims to have contacted the merchant, not sure how as they disappeared.
Product: Credit reporting or other personal consumer reports

This information is incorrect in my report. 

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

I filed a complaint thru the CFPB to XXXX Equifax more than 30 days ago and have not received the results. 
Your furnisher has placed in collection on my credit report that I have. Balance of {$270.00} from an XXXX account. I have sent both credit reporting agencies a letter from XXXX stating that I do not owe XXXX any money. I am including in this second complaint the letter from XXXX again. Under the Fair Credit Debit Act the credit reporting agency must report accurately or be fine {$1000.00}. If I owe another furnisher then you must report that furnisher name with the proper Code. 
Your furnisher XXXX XXXX XXXX has no Creditor Code as explain by XXXX in their letter. 
XXXX Equifax did you read the letter from XXXX stating that I do not have an account with XXXX and that their is no Creditor Code? 
XXXX Equifax it has been over 30 days and you have not corrected your error of the XXXX account why? 
XXXX/Equifax your reporting a XXXX account that is not mine why? 
Also do the credit reporting agencies bureaus have an obligation to investigate the furnisher that XXXX XXXX XXXX does not have a license to collect and operate in the state of Michigan? 
Do the credit reporting agencies know that XXXX XXXX XXXX lost their license for reporting false debt on seniors? 
XXXX/Equifax did you know the state of Michigan states all seniors must not answer XXXX XXXX XXXX because they are a Scam Debt Collection Agencies to just report them to legal agencies. I agree with the State of Michigan and will not answer them by law and report them. 
XXXX letter states for the credit reporting bureaus to remove XXXX name from my account it is wrongfully to use XXXX when the bank states I did not owe them any money right? 
XXXX/Equifax you are wrongfully using XXXX copyright name to collect a debt that was never owed to them you just want to give a no license debt collector in the state of Michigan free money right? 
XXXX/Equifax I did not have a debit with XXXX for any debit collector agency to collect so why are you reporting I owe XXXX? 
So if the real debt collector steps up then the senior would have to pay twice and take XXXX/Equifax to court for reimbursement right? 
The question I have sent again is for XXXX and Equifax to answer and not the furnisher? 
The State of Michigan state seniors do not have to answers to the Scams of no license XXXX XXXX XXXX in the state Michigan for seniors just report them to the State of Michigan.
Product: Bank account or service

Mastercard sites will not find an atm location on their XXXX different sites! this is fraud to get you to pay fees! also spent 20 minutes on the phone ; it finally said hold on for a person. Then said they hade a high volume call back later and hung up on me again ; tried 3-4 times! 
These are the XXXX sites try them ... ... ... ..the last one is SS web site, too! 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB - AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquires made by this company. 

Inquiry 1 was made on XX/XX/XXXX by JPMCB-AUTO FINANCE Inquiry 2 was made on XX/XX/XXXX by JPMCB-AUTO FINANCE I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Product: Debt collection

Collection company contacted me attempting to collect the debt. I told him that that was not mine and they have the wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I need the following items to be updated as soon as possible for they are making my score drop. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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: Vehicle loan or lease

Hello - I paid off a vehicle loan in XX/XX/2020 with Capital One Auto Finance and to date, haven't yet received the vehicle title. 
The Pennsylvania Department of Transportation is stating that they need to receive an electronic lien release request from Capital One which they're saying they've not received, meanwhile Capital One is stating they've placed this request twice. 
Capital One did send me a physical notarized lien release in the mail. PennDOT said they're uninterested in that document as the request must be electronic. 
This week, I called Capital One Auto Finance twice asking for a manager to help me resolve this, each time I was placed on hold and hung up on. 
I've also placed a complaint for them with the XXXX, hoping that would get someone's attention. I've gotten no response from that either. 
I've been stuck in a loop for months and feel that I'm out of options for receiving help. 

I've attached email communication that has taken place with PennDOT. 

It has not been an option to reach anyone at Capital One by email and it has not been an option to reach anyone at PennDOT by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/XXXX for my Apple Card account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my XXXX that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 

Thank you for your consideration. 

Have a blessed day!
Product: Vehicle loan or lease

I have made three separate requests to Kia Finance to complete a state title transfer so I can register my vehicle, but they have repeatedly failed to fulfill their responsibilities. 

First Request : Kia Finance sent the title to the wrong address, delaying the process. 
Second Request : Despite assurances, they failed to mail the title altogether. 
Third Request : Again, they failed to send my title as promised.

Over the past 6 to 7 months, I have made more than three dozen phone calls to Kia Finance to resolve this issue. Each time, I have been reassured that my title would be sent to the XXXX and that the matter would be resolved. However, their repeated failure has left me unable to register my vehicle. 

As a result of these delays, I have had to spend over {$1000.00} on temporary permits while waiting for Kia Finance to send the title. On my most recent call, I was told that my title would be overnighted to expedite the process, but shortly afterward, I received an email stating that it would actually take an additional three weeks. 

This situation is unacceptable. I have spent a significant amount of time, money, and effort trying to address this issue, but Kia FinanXXXX has consistently failed to act responsibly or provide meaningful solutions. I have also filed multiple complaints directly with Kia Motors, but nothing has been resolved. 

I am requesting the XXXX XXXX XXXX assistance in resolving this matter and holding Kia Finance accountable for their negligence.
Product: Checking or savings account

I was given credits for canceled flights by XXXX XXXX through my chase bank account. The fees were reversed and took my account over {$400.00} negative and my account was closed by the bank now I can not open an account with any other bank or credit union due to this the airline was supposed to issue a flight credit and never did then told the bank that I was on the flights so the bank said that cant go against the airline. The dates are XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 and XX/XX/22 the balance was {$470.00} that I was charged
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong Home address on my report is effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account # XXXX, which you claim I owe {$230.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit card

I have been unable to use my JP Morgan Chase credit card. I contacted the bank this evening and was told that they have a policy of putting a block on credit cards that have a payment due until several days after the payment is made. This is an unfair practice because consumers pay for credit cards so that they can use them XXXX  days a year. The new Chase policy adversely affects a the entire class of customers who use their credit cards. Here is the message I received on XXXX  today from Chase : XXXX, XXXX! Thank you for your payment. We're sorry for any inconvenience if the credit is not available right away. When you make a large credit card payment, a hold is placed on the payment to verify the funds are available before applying the full amount to your balance. This practice allows time for the funds to clear from the originating bank before fully applying them to the account. 

We appreciate your business, and glad to be of service. XXXX
Product: Debt collection

I just got a preliminary title report on my house and I realized there was a XXXX " judgment renewal '' filed by XXXX XXXX XXXX on behalf of FORD MOTOR CREDIT COMPANY LLC. 

Apparently XXXX XXXX XXXX filed a lawsuit and obtained a " default judgment '' on some vehicle around XXXX. 

I don't recall ever having a vehicle financed by Ford Motor, nor I ever heard of a lawsuit against me on that matter. 

Today, XXXX, I called the office of XXXX XXXX XXXX at ( XXXX ) XXXX to find out what this was about, and a male representative answer the phone and after obtaining the last four digits of my social security proceeded to accuse me of " irresponsible '' for not paying my debt. 

This guy asked me if I ever owned a XXXX vehicle, I said back in XXXX there was some vehicles owned/leased by my company but my company was closed due to the Market crash of XXXX and I also stated that I never heard of a lawsuit regarding their claims. He proceeded to lecture me on " it doesn't matter if you were notified or not about the lawsuit, the bottom line is this is your social security and therefore you owe the money. ", He further stated " you just admitted you or your company owned this vehicle. Plus knowing or not knowing about the lawsuit doesn't exempt you from the debt ''. I told him that I didnt recognize this debt and if he could please provide me information about it, but he barked " I am not going to assist you in providing you any document for you to challenge this debt, you need to contact the court for that. You need to pay regardless. '' I asked him if he was employed by XXXX XXXX XXXX, he responded he was. At that point I informed him that I was recording the call and that I was going to complaint against them, because all I wanted to tell them this debt must be an identity theft, because I remember in XXXX a lot of people got their information stolen to the extend that thieves purchase not only vehicles but real estate properties. I told him my intention was to together work to find the truth, instead I got a very aggressive individual that basically called me a liar. 

This employee should be either re-trained or fired. He twisted every work I use to try to explain the reason of my call and tried to intimidate me by suggesting that even if I file a lawsuit against XXXX XXXX XXXX, since they do this every day, it would cost me a lot of money to fight them because they will prevail in the end. I felt like a criminal. 

Anyway, I need to find now an attorney to help me resolve this matter. In doing research of their lawsuit I see that they " published '' their notifications of the court in a newspaper. This alone is ridiculous because I have had the same address since XXXX and same phone number since XXXX. I don't know how XXXX XXXX or XXXX XXXX XXXX, conveniently they could not reach me. 

XXXX XXXX XXXX have very abusive collecting practices and they need to be stopped.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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

On XX/XX/2022 or about, from my Citibank account I sent an international wire transfer to my sister 's account in XXXX. The wire amount was {$6400.00}. The bank told me the money should be arrive in my sister 's account by XX/XX/XXXX or may be sooner. However, the funds were never delivered to her account. I called numerous times to Citibank but no one could ever provide me any details about the wire status. On XX/XX/2022 Citibank credited my account, but only for {$5300.00}. I never ask for cancelation or recalling the wire. It was Citibank own decision, but no one has an answer for me that I lost {$1100.00} ( {$6400.00} - {$5300.00} ) for WHAT? I basically was out of thid money from XX/XX/XXXX until XX/XX/XXXX, and never received the original amount.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I contacted the collection agency ( XXXX XXXX XXXXXXXX XXXX ) reporting the account to Transunion, in order to verify and correct the information reference ACCOUNT XXXX XXXX BY XXXX XXXX XXXX. However, the company did not provide any verification of the identity reference the account being reported to TransUnion. They sent a rebuttal and credit card statements as verification and validity of debt. 

Therefore, I contacted the original credit which is listed as XXXX XXXXXXXX for verification of identity and debt validation associated with the account. I received a letter listing the account information on file. However, the social security number associated with the account is not my social security number, the name is not my legal name and they did not provide a copy of the signed contract for me to further investigate. 

I forwarded this information to the collection agency, but they are refusing to delete and update the information on my credit file. I have attached a copy of the response received from the collection agency, as well as a verification letter from the original creditor CONFIRMING THE ACCOUNT DETAILS DO NOT MATCH MY FILE. 

I am in the process of reviewing my credit file, updating and correcting information. I have attached a copy of my social security card, my drivers license which serves as a valid ID, to support that the last four of the SSN associated with the account, per the original creditor is NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a charge-off showing on my credit report from XXXX XXXX XXXX that should not be, I was in a wreck, and I didn't find out there was a balance until the insurance company submitted the check! I have attached all the paperwork with this complaint, that show and prove that the balance was paid in full! Please remove this charge-off from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX/XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, WFB BD CRE add a hard inquiry on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resul from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consum I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Theyve been calling my family and mailing letters to my old place of employment stating that this is an attempt to collect a debt even though I told them I lost my job and as soon as i have employment again Ill make a payment.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are detrimental to my credit score. 

XXXX XXXX  Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. Please provide an updated copy of my credit report after your reinvestigation.