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

I filed a number of Disputes with all three of the Credit Reporting Agencies ( CRAs ), XXXX, XXXX XXXX XXXX, on XX/XX/2022. I subsequently received an Investigation Results from XXXX on XX/XX/2022. Then on XX/XX/2022, Cap One sent me an unsolicited Notice requesting me to provide " additional information '', and dated XX/XX/2022. 

I then sent a Direct Dispute to Cap One on XX/XX/2022, along with 5 pages of supporting documentation, concerning the specific account, # XXXX. Requiring Cap One to Validate & Verify the Information they are reporting in my name. Cap One subsequently failed/refused to Reply to that Direct Dispute. I then sent a Demand Letter to Cap One and dated XX/XX/2022. Which again Cap One has failed/refused to Reply to.
Product: Debt collection

The debt posted below and attempt to obtain pass due balance is false. I was never notified by the company that the debt does not belong to me. I was never given the chance to ask to please send proof of any debt or validation with my signature. I have yet to received any information. I am asking for the company to remove the debt and have no further communication with me going forward. The debt does not belong to me. I no valid contract with the creditor " No Contract '' I am not legally responsible for the seeing as it does nit belong to me. Never given any information to be able to speak with the CSR. I do however member this false reporting once before from the agency listed below. I was told they may not be able to obtain any original record for my viewing to prove and validation that the debt belongs to me. I have yet to have any mailing response. Please remove all false attempts to collect debt. I have reached out to XXXX to remove the fraudulent information. XXXX XXXX XXXX , XXXX Last reported : XX/XX/XXXX -  {$980.00} Needs Attention Overview You've paid off 0 % of your collection amount. Balance {$980.00} Highest Balance {$980.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Medical Collection account Original Creditor Name XXXX XXXX XXXX XXXX See an error? You could dispute an error with XXXX. Creditor Information XXXX XXXX XXXX , XXXX : COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/XXXX {$980.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$980.00} Highest Balance {$980.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX This has been proven once before this is not my debt. This company is trying to collect on false pretenses.
Product: Consumer Loan

I got a car loan from United auto credit, The car had bad problems with it to prevent from passing Texas State required safety inspection United auto credit to me to send in copy 's of the receipt for starting repairs they would defer our XXXX 2015 payment to the end of the contract, and start paying on XXXX for next payment, They said after I sent the receipt Now they refuse to even after starting repairs, and they nowing they financed a unsafe car they said they dont car I ask to have the contract rolled back to the car lot XXXX days after signing contract they refused, they knowingly financed a car knowing its not road safe according to Texas Safety law inspection. I told them I wanted they money back on the deal {$1000.00} down and a payment of {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - Experian I am reporting Identity Theft. Refer yourself to the fair credit reporting act 15 U.S. Code 1681c2 below. MY DOCUMENTS ARE ATTACHED 15 U.S. Code 1681c2 - Block of information resulting from identity theft -- ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Money transfer, virtual currency, or money service

I had a cash app account on my phone. My phone was stolen and they hacked my account and spent all my money it happened around XX/XX/2024. And change all my information in my cash app account. Now they cant find my account on cash app because the people who stole my stuff change my information.
Product: Debt collection

I was sent to collections early of XXXX  for an XXXX XXXX visit, but I was never seen by a medical doctor, they claimed my medical insurance said error, ( it was an active medical insurance, called them and spoke to them, everything ok, but on the hospitals side they said different ), my son was seen without any problems and we have the same private medical insurance. Although I was never seen, they still charged my insurance, crazy, even though they claimed an error, as if I didn't exist and they had no information on me but the hospital still submitted my visit without ever checking me for anything. So I was " discharged '', never seen by anyone, ( I had an XXXX XXXX XXXX XXXX XXXX diagnosed by my primary doctor afterwards ). Only the registration came in to ask for medical insurance prior to doing anything. Didn't take long for them to harass me with phone calls, letters, bills on a regular basis. I emailed them explaining the situation, but no one refuses to listen or even bother to care. Then a debt collector sent a letter, I disputed it, said to stop all communication, but every single day after " working normal hours '', I receive voicemails, my phone doesn't even ring, it goes straight to voicemail, robocall every single time, every single day, while at home, work, doctors appointment or running errands. It's a recording from phone number XXXX, by Medicredit for XXXX XXXX XXXX 's in Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion, XXXX, and XXXX on XX/XX/XXXX, in regards to the incorrect items on my credit reports. I sent a Demand to Comply letter on XX/XX/XXXX after receiving no updates. It has been well over 30 days, and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, 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 block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card

I am writing to formally express my concern with the lack of transparency regarding mileage earnings on Citi 's airline partner credit cards, both personal and business. 

Specifically, there is no clear indication of how many miles each transaction earns. This issue is particularly problematic when factoring in bonus earn categories, such as XXXX miles for restaurants, XXXX for gas, and XXXX for XXXX XXXX purchases and so on. 

Neither the Citi website nor the monthly statements provide a detailed breakdown of miles earned per transaction, which makes it difficult for cardholders to accurately track and manage their rewards. This lack of information hinders the overall user experience and reduces the value of the bonus categories offered by Citi. 

I kindly request that Citibank address this issue by providing a detailed, transaction-specific mileage breakdown either on the website or in the statements. For comparison, all other major banks and partners have already been acting in such a transparent manner. 

Thank you for your attention.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. Per the credit bureau, this company reported addresses and phone numbers that are different from my actuals. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan, not a title loan, exactly once. I informed the representative who contacted me that I never applied to use a vehicle as collateral and that I was not interested.     Now, I see no less than  XXXX    OneMain Financial hard inquiries on my  XXXX  credit report alone.
Frankly, I did n't even authorize the type of applicati  on they ran the first time, let alone  XXXX  more times.      XXXX  claimed it was only able to remove  XXXX  of these inquiries and suggested I contact you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my credit profile for the first time, as I have never done so before. When I was reviewing my profile, I noticed an account listed on my credit profile which I had no idea whatsoever where it may have come from. I started panicking so I reached out the bank that was listed on my credit profile and tried to inform them of the issue and all the representative told me was to research the FTC and file an FTC report and report it to my local police department which is what I did. The account is from XXXX XXXX XXXX  and for a limit of {$300.00}. The bank closed the account and is reporting this negatively on my credit profile. I would like you to please help me and get this issue resolved and get the fraudulent account Deleted from my credit Profile completely on all 3 Credit Reporting Agencies. I also have Unauthorized Hard Inquiries from the companies listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX accounts on XXXX and XXXX on Equifax I told XXXX that addresses on the account wasnt my address where I lived so I couldnt have known credit reporting was going to take place or the account was delinquent so I did some digging I discovered that I NEVER LIVED THERE. XXXX told me that they notified they especially if they were sending the correspondence I couldve made a payment on the primary borrowers behalf if I knew my credit was to risk
Product: Credit reporting or other personal consumer reports

This CFPB has been filed to request pursuant to FCRA subsection 605B ( 15U.S.C.subsection 1681c-2 ) that you, the XXXX, Equifax and the XXXX XXXXXXXX credit reporting agencies , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts and collections. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. Ive attached a copy of your consumer credit report showing the inaccuracies. The aforementioned accounts and collections maintained you were not opened, made or initiated by me. I have attached a copy of FTC Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Checking or savings account

We have disputed 3 transactions with Pnc Bank for services that were not rendered on our wedding day. They continue to state the services were valid after providing documentation from us and the vendor that they did not show up to the wedding. 
Services were not rendered. Vendor did not show up to perform services on our wedding day. 
It's been over 100 days since XXXX XXXX did not uphold his end of our contract. It's been over 100 days since he emailed us claiming that he would " refund the total to resolve this issue. '' Wedding day was XX/XX/2020. XXXX XXXX was to arrive at the venue at noon. The bride contacted XXXX XXXX at XXXX requesting a refund for his services since he had not arrives at the designated time. XXXX XXXX arrive a the venue at XXXX and confirmed that the Bride would receive an refund. On XX/XX/XXXX XXXX XXXX sent an email apologizing a requesting information about processing the refund ( XXXX or disputing charges ). the Bride responded with her XXXX name and began awaiting the refund. After 2 weeks, the bride decided to dispute charges with PNC since payment had not be received. 
The details of why you weren't where you committed to being are not my concern. My wedding date was NEVER moved to XX/XX/XXXX. Ever. I saw you TEN days before my wedding on Thursday, XX/XX/2020, for my trial because it's when it worked best around your birthday. At the end of my makeup trial, you told me that you would arrive at XXXXXXXX XXXX at my wedding venue and that you had all of the information you needed. 

We disputed the charges after he did not respond to my email requesting the refund via XXXX. The bank can not refund the {$910.00} as the payments were processed using XXXX. That is considered a person-to-person transaction. 

We are ready to move past this issue. XXXX XXXX XXXX carelessness in this matter has already taken more than enough of my precious energy. My wife and I would prefer not to have to take this matter any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quite some weeks ago I filed concurrent complaints with the CFPB, Equifax, XXXX, XXXX   and XXXX about the volume of unsolicited and patently illegal credit offers appearing in my mail boxes. 

In my complaints, I obviously requested to " opt-out '' of such offers, however I also made explicit inquiries with EACH of those listed about about how and to whom they made decisions about provided my personal information without my consent ( including lenders offering lines of credit at 350 % to over 500 % APRs ). 

Let me be clear about the concerns I expressed - Equifax, XXXX, XXXX and XXXX each sold or otherwise provided my personal details for lenders ostensibly operating from Tribal territories, who sent me reams of unsolicited credit offers that violated US consumer protection laws - and EACH of those listed failed to even acknowledge my inquiries, let alone respond. 

Similarly, CFPB failed to follow-up or provide substantive assistance as well. I can tell that CFPB did little more than forward my inquiry to these firms. 

All listed should know that I am compiling a comprehensive record of the offers received, but my complaints and concerns provided, and the response ( or lack of response ) from those listed, to provide as an investigative file to the XXXX XXXX. The XXXX 's investigative teams seem to see parallels between current lending trends and rates of fraud and other illegal behavior, and the 2008 financial system crash. I happen to agree.
Product: Checking or savings account

XXXX XXXX was a victim of a wellsfargo spam. On XX/XX/XXXX I received a call from wellsfargo number thats on the back of my debit card that guy said his name was XXXX he works with wellsfargo. He said do you authorize for me to check I said ok but Im hanging up and calling wellsfargo when I called wellsfargo the ( XXXX ). When I called back same person answered.I COULD SEE ON MY PHONE A CURSER MOVING ON MY PHONE doing something I said wait why are you moving my money they said we have to open you a new account were sending the money there.THEN ANOTHER PERSON SAID I WORK WITH THE FBI TAKE WHATS LEFT THATS THE CASH OF {$8.00} XXXX. HE THEN SAID DID YOU USE THA SAME TELLER XXXX I SAID WHAT I DIDNY KNOW WHO THAT WAS. FBI well fake fbi put a debit card in my wallet he said this is your card Im with XXXX  so I have to transfer this to you. I right now am very sick people probably thought I havent been using my account maybe I want know. They even messed up and hacked y phone and I cant just get up and go. I wonder if he saw me in the bank I am XXXX  I have a XXXX XXXX  in XXXX locations have had XXXXXXXX XXXX XXXX this year. Im out of work right now cause of my health I HAVE XXXX SO ALL THIS STRESS IS TRIGGERING EPISODES. IM ON MORE THAN XXXX XXXX. PLEASE HELP I ALREADY MADE A REPORT TO THE FBI XXXX. I WASS THREATNED BY THE PERSON WHO SAID HE WAS FBI HE SAID YOU DONT FOLLOW ORDDERS AND MESS THIS OPERATION UP YOUR GOING TO PRISION. 
They even gave me a case number # XXXX Total amount taken XXXX Checking:XXXX Savings : XXXX SUSPECTS NAME is XXXX XXXX His XXXX account I printed a recite but it doesnt say how much but Im. Going to give what I have which is last 4 of card and account CARD # ending in XXXX Account last XXXX # XXXX Thanks XXXXXXXX XXXX XXXXXXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX, tx XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB Complaint to file a formal complaint against TransUnion regarding their inaccurate reporting practices, which have had a detrimental effect on my credit profile. As a conscientious consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates complete accuracy in credit reporting. It has recently come to my attention that TransUnion is still reporting an account that has already been deleted by other credit bureaus. This discrepancy is not only a violation of the FCRA but also poses a severe threat to my financial well-being. In light of this matter, I kindly request your intervention to rectify this error promptly. As you are well aware, any form of inaccurate or misleading information on my credit report can have far-reaching consequences for my creditworthiness and future financial endeavors. The negative impact caused by this reporting error could potentially impede my access to credit, hamper my ability to secure loans or favorable interest rates, and hinder my overall financial stability. I need TransUnion to remove the following fraudulent accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Enclosed with this letter, please find copies of supporting documentation substantiating the removal of the account by other credit bureaus, as well as any additional relevant information pertaining to this matter.
Product: Mortgage

I obtained a subprime mortgage from WAMU in XXXX that i believe to be fraudulent in the way the financial terms were setup, in addition to the property having and continues to have structural damage because the house was constructed on peat bog causing the foundation to crack and shift. I believe that WAMU colluded with the building inspector to certify the property although the inspector saw evidence of structual damage to the house and the house was not to code but the building inspector greenlighted the property for sale to me. JPMC acquired my mortgage for pennies on the dollar in XXXX from WAMU when WAMU went under from the subprime mortgage crisis, therefore, assuming the problems associated with the property. The property was reassessed by the XXXX of XXXX XXXX WI in XX/XX/XXXX for {$57000.00} from XXXX and the house being condemned if the house is not brought to code. I am in the process of negotiating an agreement with JPMC to write off the loan or reduce the loan to the XX/XX/XXXXassessed value of {$57000.00} but I am not making any progress. Currently no real estate broker will list the property, with these structual damages and my insurance company will not pay for the damage. I am stuck with a loan of {$200000.00} and a second mortgage of {$14000.00} with no relief in sight. I have dicontinued to make payments until this is resolved ruining my credit.
Product: Credit reporting or other personal consumer reports

I have no association with the listed creditors, and the inquiries on my report are not from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the item listed below still remains on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXXXXXX XXXX )
Product: Credit reporting or other personal consumer reports

Recently I've submitted a dispute letter to XXXX asking them to update and remove anything that's reporting inaccurate to my consumer report. They responded with a letter stating that they don't believe I sent in the dispute letter. This complaint from me contains my dispute letter that I would like Transunion to investigate.