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

XXXX claim number # XXXX Dear Sirs, I have a complaint to file in regards to my XXXX XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX and until recently had perfect credit, XXXX rating. 

I have contacted the credit agencies as well as XXXX directly with no resolve. 

My XXXX XXXX account is for a security system. A very low monthly payment that was setup with auto pay and my XXXX XXXX credit card. 

In XXXX of 2023 XXXX XXXX without my knowledge canceled the card due to apparent fraud. 
When I found out about this I contacted XXXX immediately, paid up the account and gave new credit card. I asked if I could put an additional card for a backup to make sure this never happened again and they said no. 

I was never contact by XXXX when the card was declined. No phone call, email or text. Instead they just report a late payment and dropped my score XXXX point or more. Several other vendors that I had auto pay with had the courtesy to make sure they notified me. We are are talking about a {$75.00} a month auto pay that XXXX XXXX was in charge of. It is not like I was bouncing checks. 

XXXX said they would contact the credit reporting agencies and explain the situation. It does not look like anything had been done. 

I am extremely frustrated as I have worked my entire life to keep great credit and this without my knowledge is causing a major problem. 

Please let me know when and how we can rectify this. 

Thank you, XXXX XXXX
Product: Debt collection

They are claiming that they can collect a debt for {$710.00} for a utility company thats not mine. Ive never heard of the utility company. When asked them for proof that this was my debt they wont send me anything and will update the debt as derogatory on my credit report. They are also lying about the dates, since they keep updating derogatory to hurt my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a best buy citi store card and since the start of me having this card its been nothing but problems. I cant place a order online because my orders all get cancelled for some unknown reason. Also my card is always gettting locked everytime i attempt to use it. When i call into customer service its almost always with someone overseas who has no business dealing with accounts they speak bad english and they are very rude. Ive called in numerous times with my the pin thats mailed to me and still its not good enough. Complete joke of a company
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX  : BACK IN XX/XX/XXXXXX/XX/XXXXI WAS RESIDING IN XXXX XXXX XXXX I HAD RECENTLY MOVED IN TO THE COMPLEX IN XX/XX/XXXX. MY MOTHER PASSED AWAY AND I WENT INTO THE OFFICE AN SPOKE WITH THE RESIDENT MANAGER. I ADVISED HER MY MOTHER PASSED AWAY AND THAT I WAS MOVING BACK HOME TO CARE FOR ELDERLY FATHER. I PAID A SECURITY DEPOSIT WHEN I MOVED IN NOT SURE OF THE AMOUNT TO THE DIME BUT IA PAID OVER 1000.00 TO MOVE IN AND I GOT A MOVE IN CREDIT FOR XXXX. I EXPLAINED TO THE MANAGER THAT I HAD TO BREAK MY LEASE DUE TO MY MOTHERS PASSING I EVEN BROUGHT A OBITUARY BACK TO HER. IN XX/XX/XXXX SHE ADVISED SHE WILL WORK WITH ME AND I WOULDNT BE RESPONSIBLE FOR THE REMAINING OF THE LEASE. SHE ADVISED I SHOULD BE GOOD UNLESS THERE WAS DAMAGES. I MOVED THEN LATER ABOUT A YEAR XX/XX/XXXX I SEE THIS ON MY CREDIT REPORT FOR OVER 1000.00 THIS AMOUNT IS INACCURATE. I HAD A CREDIT FOR MY DEPOSIT AND THE AMOUNT I SHOULD OWE IS XXXX   FOR THE CONCESSION I RECEIVED UPON MOVE IN. I LEFT THE APARTMENT CLEAN NO DAMAGES AND CLEAN CARPET. NOW THEY ARE COMING AFTER ME WITH INACCURATE CHARGES. AT FIRST WHEN I SEEN THIS ON MY CREDIT REPORT AS XXXX XXXX I WASNT SURE IF IT WAS A PREVIOUS PROPERTY MY DAUGHTER RENTED IN MY NAME WITHOUT MY KNOWLEDGE SO I DISPUTED AS FRAUD. I AM DISPUTING THIS DEBT DUE TO INACCURACY I WILL PAY THEM THE XXXX  AND NOT A DIME MORE. THEY KEPT MY SECURITY DEPOISIT MY BALANCE SHOULD REALLY BE XXXX
Product: Bank account or service

I have been contacted by several companies regarding a XXXX XXXX account from several years ago. The first time I was contacted by the collection agency ( XXXX XXXX XXXX ) I paid the balance and received a paid in full letter. Over the past few years I have been contact by approximately XXXX-XXXX other agencies regarding the same debt. Each time I tell them it has already been paid and either email or fax the paid in full letter, only after being threatened and degraded in an attempt to collect. Most recently I was contacted by Miller Stark Klien and Associates by a woman named XXXX about the same debt. I immediately told her it had been taken care of for over two years and she asked me to email her the letter showing it had been paid with another agency. I emailed it within minutes and asked for a confirmation of receipt which I did not receive. My husband was contacted about it a few days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus to corrected a fradulent file on my account which is from company by the name of XXXX XXXX XXXX XXXX. They have received funds from the VA and from over 400.000 from me, VA and the State Banruptcy department. They pretended to be a mortgage and then did not except mortgage payments. Would not dispense escrow money account.This company has been pretending to be a mortgage company from some time. They shown up in the courts hand have provided illegal documents to take our home with the XXXX County Court system. I Ccan be reach ed at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau fails to provide method of verification. On ( XX/XX/XXXX ) I requested an investigation because I felt the item is not being reported legally according to the fcra. I sent a letter of verification on XX/XX/XXXX. Credit Bureau continues to update with consumer disagrees without addressing the request at hand.
Product: Credit card or prepaid card

Account with Milestone was fully paid off and closed with a XXXX balance on XX/XX/XXXX of 2022. Milestone has reported me as being 90 days delinquent and now claim I owe them {$190.00}. Small claims can not be filed against them because they are not registered in the state of California. Why is Milestone allowed to continue to bill me after the account has been fully closed? Please tell them to close it out again with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX  ,2017 I wa s notified by  XXXX  that a new collection had appeared on my credit file upon investigating I found out that this item had been disputed and deleted previously. Agencies listed below   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  I never received a notice within 5 days telling me they we reinserting this information
Product: Credit card or prepaid card

This is related to four tickets I purchased on my Barclay Card on XX/XX/XXXX to XXXX via XXXX - Merchant Name -- XXXX XXXX. Round trip flights from XXXX to XXXX for XX/XX/XXXX, supposed to return on XX/XX/XXXX. The flights were cancelled due to the pandemic. When I asked for a refund, XXXX told me the airline asked for 6 months. I understood and waited. I communicated with XXXX several times after and they responded that XXXX XXXX refund department would be refunding me my money. 

On XX/XX/XXXX I wrote to my credit card company to file a dispute explaining I was yet to receive a refund for four charges : 3 for {$600.00} and 1 for {$560.00} - a total of {$2300.00} Right after I sent the letter, Barclaycard opened up a dispute and credited my account. 

Fast forward to XXXX of XXXX, Barclaycard clawed back the refund and when I inquired as to why - the customer service rep said that the airlines said there was no fraud! Evidently there was no fraud and I never mentioned fraud - the services I paid for were not provided and I was asking for my money back. I had to explain to customer service the story again and they told me to send a second letter which was sent on XX/XX/XXXX. I have called upteen times to no avail. 

I checked my Barclaycard site this week and low and behold I had FOUR NEW CHARGES from XXXX XXXX. I called in and advised that THOSE were indeed fraudulent- I had not purchased those flights and they say they are going to investigate this and send me a new card. 

I also inquired about the original case where the airline cancelled my flight and they had credited and then taken back the money - case # XXXX ( not sure if the O is an O or the number zero ) - and the customer service rep told me that the case was closed!!! No one has reached out to me. When I told her how could this be, she told me I had to write another letter!!! I asked her to please escalate, that this was unacceptable, that I wanted to discuss this with someone in Corporate and she told me all she could do was escalate to a Manager. 

Please help me. All I want is my money back, and credit me back all the interest they have charged me and then I want to cancel this credit card as it is the WORST in Customer Service. I have called over 15 times, explained over and over to no avail. 

attached you will see screenshots of the communications with XXXX and the letters sent to BarclayCard. Barclay Card ending in XXXX Barclay Card Dispute = XXXX XXXX  XXXX, XXXX, Delaware XXXX Phone number - XXXX
Product: Vehicle loan or lease

I had leased a Hyundai XXXX XXXX in XXXX and lease ended on XX/XX/XXXX. I had mailed in a cashiers check in full to buy the lease on XX/XX/XXXX via USPS. The payment was posted on my account in Hyundai Motor Finance. I have not received the title till date ( XX/XX/XXXX ) and when I had called Hyundai motor finance customer service, they mentioned they had mailed the title on XX/XX/XXXX via regular USPS mail service. They are not providing any tracking or proof of shipment. 

Now they are mentioning if I did not receive it, I need to apply for a duplicate title, fill paper work and pay the DMV fee for duplicate title. 

I do not understand why wouldn't Hyundai provide proof of shipment and I strongly believe the onus is on them to ensure the title reached me and not harass me into applying for a duplicate title.
Product: Money transfer, virtual currency, or money service

In order to purchase a lease-end car, we got a cashier check issued with our bank, Chase in amount of {$28000.00} paying XXXX XXXX in on XX/XX/2020 ; the check got stolen in XXXX and was cashed through a ATM machine with XXXX XXXX XXXX XXXX XXXX, MN on XX/XX/2020 ; the check was altered from XXXX XXXX XXXX to XXXX XXXX ; we have been trying to work with Chase ; after numerous calling ( some got routed to XXXX XXXX XXXX ), the last thing we heard from Chase was a letter in XX/XX/2020 saying the other bank was responsible.
Product: Checking or savings account

I have had an account with Wells Fargo since XXXX. During that time I have had several issues with overdraft fees being charged multiple times for the same transaction. Most of the time these have been refunded. But, I recently saw the settlement about fraudulent overdraft fees and I am wondering if some were never refunded. I dont have specific dates or times, as it has been several years.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I RECENTLY LOOKED AT MY CREDIT REPORT AND NOTICED 2 FRAUD ACCOUNTS LISTED ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

about XX/XX/XXXX we bought a car from XXXX 's XXXX in XXXX XXXX WA. The manager XXXX, The car was not properly safety checked and we spent {$2800.00} in repairs for suspension work. They told us the tires were bad and we found out there was serious safety issues with the suspension. We were also told that the lights on the speedometer were out and the bulbs needed to be changed. When we removed the speedometer and we found there was fire damage and the dealer told us to replace it and they would pay for it. We kept the bad speedometer in the back of the car for proof. the dealer said they would notify the warranty company of the change so the warranty we paid for would be kept in good standing. We found out later that the dealer did not do this. When submitted the {$2800.00} to the warranty company they denied the claim saying it was fraudulent due to the speedometer change. The transmission started to give us trouble and the dealer would not help with it. they were responsible for the warranty being cancelled and told us to take it up with the finance company. the finance company, XXXX XXXX companies denied to help us. we then told them to come and get the car as we were no longer going to pay for this lemon. they picked it up in XX/XX/XXXX as the dealer refused to accept the return. Were contacted by letter from XXXX XXXX that they had sold the car for {$6500.00} and we owed them {$1900.00}. We explained to them we had spent {$2800.00} on the car and we would call it a wash if they would accept it. The Lady we spoke with, XXXX, said that would be fine and she would send us a letter to that fact. We never received that letter. In XX/XX/XXXX XXXX XXXX reported on our credit report we owed them {$9500.00}.
Product: Debt collection

I am writing XXXX to dispute a recent collections account added to my credit report, by XXXX XXXXXXXX XXXX. I did live at the location, however, I was XXXX on short notice orders in XXXX of XXXX. Before I left, I paid what I was told by the representative would be the last payment on the account. However, after I was XXXX, another bill was sent to the former address that I know longer had access to. I have no problem paying the bill, if it is correct, however, I am disputing the lack of opportunity to pay the bill. I have included my XXXX and my ID as supporting documentation. Thank you.
Product: Credit reporting or other personal consumer reports

To Sir or Madam : I'm writing to contest a {$1000.00} fraudulent charge that was made to my account. I did not make or approve this charge, and I am a victim of identity theft. In addition to receiving an accurate statement, I am asking that the charge be eliminated and that any finance or other charges associated with the bogus amount be credited. The Fair Credit Billing Act 's modifications to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13, provide the basis for this request. Also see 226.12 ( b ) of 12 C.F.R. Copies of my position-supporting documentation, including the FTC report and credit reports, are enclosed. Kindly look into this and fix the billing error as soon as you can.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I obtained a copy of my consumer report from the consumer reporting agencies ( Equifax, XXXX, XXXX ) I noticed multiple accounts furnished with inaccurate information. I had previously contacted these corporations requesting an investigation however to no avail. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts have been properly verified nor have I ever entered into a consumer credit transaction with these corporations. According to 15 USC 1681s ( a ) you are required to provide adequate evidence for maximum accuracy in your reporting. A copy of a legally binding contract with my wet ink signature will suffix between these companies in myself if this evidence can not be provide after your investigation then you must according to the FCRA permanently remove these items from my consumer report because they are causing grave damage to my overall character.
Product: Debt collection

I received notification that a collect account was reporting to my credit report from an account I have no knowledge of. I spoke to the original creditor who asked that I submit a fraud complaint form and I would receive resolution. The complaint was submitted and I was left a voicemail that the debt was validated based on a match from public records. I requested a signed original contract as well as any and all validation they have to prove this is my account and NOT a result of fraud. I have since proved to the CRA 's that the " public information '' is inaccurate and it has been removed from my file ( i.e. address ). The collection agency was able to provide me information regarding the debt by locating the account using my SSN. They provided me with the Account number which has lead me no where with the Original Creditor. When speaking to the original creditor, I have been advised they ( the front line representative ) is unable to discuss the account without the account passcode. I informed them seeing as how the account was established without my authorization, I do not have that information. I have been unable to receive resolution from either the original creditor nor the collection agency that is reporting this debt.
Product: Credit card or prepaid card

Received my EIP payment ( disappointed it was a debit card and not a check, since my mortgage company doesn't take debit cards! ). The car management site, operated by Money Network has a web page located at XXXX XXXX XXXX that directs users to " no surcharge '' ATMs in the area. Since I didn't receive a check, I now have to withdraw money from the card, deposit it into my checking account, then write a check for my mortgage payment -- a LOT of hassle, and certainly absurd that I should incur fees all because the IRS decided to send a debit card to me instead of the checks they sent to millions of other recipients ( it's also absurd that, instead of the one-time cost of writing a check, the IRS has decided to hire and pay a shady money-lender company to administer these cards that we didn't really want in the first place ). Onto the current issue -- I entered my ZIP code into the Money Network ATM locator site and it identified the XXXX ATM located in my local XXXX grocery store. I went to the store and inserted the EIP card, entered my PIN, and on the final page before committing to the transaction, it indicated I would be paying a {$3.00} FEE ... this is not consistent with the website pointing me to a " no surcharge '' ATM. Chaining me to this ridiculous debit card scheme is insulting enough, but them making me pay a payday lender-style company a fee just to access the EIP dollars that were sent to ME is insane.
Product: Debt collection

I am urgently reaching out as a mother of a family of XXXX, deeply concerned and demanding immediate action. The issue at hand involves a company reporting fraudulent and inaccurate information on my credit report, a situation that gravely impacts my ability to acquire a much-needed vehicle for my family. 

This company 's actions are in violation of both the Uniform Commercial Code ( UCC ) and the United States Code ( USC ). Specifically, under UCC Article 9, which governs secured transactions, any party claiming a security interest in an account must provide concrete proof of their legal claim their failure to provide the Purchase Agreement as evidence of their claim to the account is a breach of the transparency required in such dealings. 

Furthermore, under USC Title 15, Section 1681s-2, responsibilities of furnishers of information to credit reporting agencies are clearly outlined, and their actions contravene these regulations. 

Additionally, their refusal to provide pertinent documents for review is a direct infringement of my rights under USC Title 15, Section 1681a, which details permissible purposes of consumer reports. This unauthorized use of my identity without my consent is adversely impacting my credit rating, creating a significant barrier to my financial stability and progress. 

Given these violations, I insist that the CFPB, in alignment with its mandate under USC Title 12, Section 5511, which involves regulating the provision of consumer financial products or services, takes swift and thorough action. The ongoing reporting of this unverified and potentially false information must be stopped immediately to prevent further damage to my credit rating and the overall financial well-being of my family. 

I expect your prompt and decisive intervention in this critical matter. 

Thank you,
Product: Credit reporting

A XXXX ran a background check on me and you 're reporting that I 'm a registered XXXX. This is absolutely inaccurate and I want this corrected ASAP.
Product: Money transfer, virtual currency, or money service

On  XXXX / XXXX / 17 , I used Venmo to accept funds from  XXXX  people.  One  transaction was for {$1400.00}, and another transaction for {$1000.00}. I received notifications when the funds landed in my Venmo account, but in fact the money was never received, and I was the victim of fraud, and lost {$2400.00}. Within an hour of the fraudulent transfers, I received an email from Venmo explaining I was the victim of fraud. I appealed to Venmo 's customer service team, but they covered their  XXXX  with the legalese in their ToS. I think Venmo should be held accountable for knowingly administering a compromised system and exposing their users to unnecessary risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not authorize inquiries for this companies, I have never sign writen authorization. 
Inquiries have no repmissable purpose. 
XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Discover Financial : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Mortgage

My loan is services with Ditech. I make my payment every two weeks of {$1500.00} to make extra payments, the company is putting the payments in suspense rather than applying to my mortgage. They are then charging late fees. I just received a notice to foreclosure saying I was 30 days late. I called them and was told to just disregard it. I asked if theyd like to be receiving regular payments and the agent said no. My act of making extra payments vs just paying monthly let to this notice. I dont think that they should be taking my money, holding the payments, charging late fees and sending foreclosure notice.