23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX account was hacked and my personal data was compromised. XXXX XXXX XXXX is providing free credit monitoring for a year. Also, someone used my personal information to take out a XXXX XXXX XXXX ( XXXX ) loan. I went to the free credit report website XXXX different times and each time I was asked to enter my credit card to charge me {$29.00} per month. I could never get past this page to request a free credit report from XXXX or Equifax. These firms make it too difficult for the consumer and in my opinion are not abiding by the spirit of the law/agreement that they are operating under.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. 

I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. 

Regrettably, since my initial contact, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. 

I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. 

In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. 

Furthermore, I demand that you provide a formal, written confirmation of the removal of the fraudulent item within the exact timeframe of receiving this letter. Failure to address this concern promptly will compel me to escalate this matter to the appropriate regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX : {$770.00} XXXX. XXXX XXXX XXXX : {$690.00} XXXX. XXXX XXXX XXXX : {$750.00} XXXX. XXXX XXXX XXXX XXXX, MO XXXX.
Product: Vehicle loan or lease

I have had a car loan with Wells Fargo since XX/XX/XXXX. Since XXXX of XXXX, I have had multiple issues of them stating they have not received payments even though my bank has transferred the money via the Wells Fargo app. In XXXX of XXXX, Wells Fargo changed how they allow payments on their app. I connected my loan information to my bank and paid XXXX car payment. On XX/XX/XXXX, I made a payment and it was received from Wells Fargo. Today, XX/XX/XXXX, I received a letter from Wells Fargo telling me I am 3 months behind and my payment due date is XX/XX/XXXX. I have spoken with Wells Fargo and they stated they will look into it. I have also contacted my bank for further assistance.
Product: Bank account or service

I signed up for a CitiGold checking account with Citibank. I was induced to sign up by a promotional code that I received. The promotional code was for XXXX XXXX XXXX points. I completed all of the requirements for the promo. After completing the requirements, I called CitiBank XX/XX/2016 to verify that I met the requirements to receive the promo. The CitiBank representative informed me that I indeed met the requirements. Further, CitiBank sent me a secure email stating that I had met the requirements to receive the XXXX XXXX points. They also informed me that I would receive the points within 90 days. I waited over 90 days before contacting Citi again. During that time I was paying {$30.00} per month for my CitiGold Checking account. When I spoke with Citi after the 90 days they informed me that they would have to investigate if I qualified for the promo. I told the rep that I had an email from Citi from XX/XX/XXXX that said that I qualified for the promo. The rep told me that Citi would still need to investigate and that I would receive a secure email from them in 1 to 2 days. After 3 days I still had not received the secure email from Citi or the XXXX points. I called citi again and the rep that time told me that the investigation would take another 7 to 10 days. During the entire time of their investigation I will be paying {$30.00} per month for the CitiGold account. I would like to receive the promotional points that I was promised under the terms of the promo and by the email I received from CitiBank in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There is an unrecognized account on my credit report that doesn't belong to me. I believe it may be due to identity theft or fraud.
Product: Debt collection

All but one current account in my reports XXXX security credit {$610.00} XXXX was already disputed and removed from my reports the beginning on 2020 and now they have been put back on to my reports again!!!!!!!!!!!!!
Product: Credit card or prepaid card

Today on XXXX XXXX at XXXX XXXX in XXXX XXXX, FL XXXX XXXX around XXXX XXXX  I went to make a return without a receipt and the worker at the counter states to hand over my drivers license - The worker at the front is new as she stated it to me and the person before me. She was having a hard time and continue to scan my license. The screen on my end stated to enter my birthdate which i did and then came up to enter my social - before I did that I stated to her why do you need this I have never been asked this before and she states this is the new policy for a return with a receipt so I ended my social as she is clicking things on her end and then on my screen it says congratulations you have been approved for a credit card at XXXX XXXX  with the credit amount. I stated to her why is this coming up I did not come here for a credit card I came here for a return and she states she did not know how this happened. I asked to speak to someone higher up then she was and XXXX came to the front and I explained what happened. She gave me the number to the bank to call them to get it canceled as it is beyond what they could do at the store. This is fraud, I never once asked for my credit to be ran nor a XXXX XXXX. XXXX XXXX solicited a credit card application to myself without my knowledge or consent. The worker XXXX at the front had no idea and was pushing buttons. This needs to be canceled and not sent to the credit card agency or cleared off of that too.
Product: Debt collection

I was contacted by Phoenix Financial about a supposed debt. I have all my debts paid in full the moment I receive a bill in the mail. The caller began by going through his speech on HIPAA laws and when I tried to tell him I understood them, he became belligerent with me. 
He told me he was going to hang up. I asked if it was OK that I record the conversation as his company was, he said it was OK, but he was not waiting for me to set it up. At this point I asked why he was being belligerent with me, and he hung up. I still don't know what it is that Phoenix Financial thinks I owe them ... .. 

The caller was rude, belligerent, and condescending toward me. The actions of this individual are why debt collectors are thought of so badly. I would have happily talked to the caller and explained I have no debt to go to collections. I was not given the chance. Now, this mistake will probably ruin my credit I worked so hard to get right, because someone brought a bad attitude to work. I really hope all Phoenix Financial employees are not this way. 

Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, at the end of my current lease of a XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, instead of opting to purchase a new car and therefore a new lease. I opted to keep my current vehicle. On that day XX/XX/2022, hard credit pulls were taken from the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these hard pull credit inquiries were made on the same day, from the same location for the same purpose. Instead of having 5 or 6 hard pull inquiries, it should be considered as just XXXX credit inquiry, because they all pertain to the same vehicle on the same day. I had no idea that the dealership was shopping around with my credit report, for a car I already was leasing and making timely payments on for XXXX XXXX. Each one of these will remain on my credit report for 2 years. It gives the impression that I was shopping around. Again, these inquiries should be consolidated into one maybe two inquires and not 5 or 6 hard pulls from the same transaction, on the same day, at the same dealership. I was always under the impression, that if inquiries were made within the same time period ( Day ), they would only count as XXXX hard pull. Please help.
Product: Student loan

Mohelia handles the XXXX XXXX XXXX  I currently have. Once they learned I applied for XXXX they doubled my minimum due, to $ XXXX month. If I made those payments for XXXX payments it would total {$300000.00}. The loan is only for {$160000.00}. They said it is because of my income, however I have obtained a XXXX  and my income has been decreased by 60 %. THREE attempts at providing this information has never been processed. Despite email and fax confirmation. Any attempts at phone calls have resulted in 90 min wait times. In addition on XXXX XXXX I spoke to someone and submitted a payment via the phone and there is no record of it! It is still in my bank account. When I request a call back, as soon as the call back calls me, it disconnects when I pick up. 
Please help me. I am a nurse in a non profit hospital willing to repay my loan. I can not afford XXXX XXXX. I dont even earn $ XXXX. Please! XXXX XXXX
Product: Debt collection

Told company by phone that this is not my debt. I have never done business with LVNV Funding managed by Resurgent Capital Services at XXXX on XX/XX/2019. 

They don't care that I do not have a written signature contract with them. I do not owe this company and they need to remove this from all credit reporting agencies and my reports and never be able to put this back on their again or try to call me or send me mail again. 

If they try to sell this to another company this is fraud as I will not owe that company either. 

Do not ever Call me repeatedly or/and mail letters.
Product: Checking or savings account

Re : acct # XXXX XXXX XXXX XXXX XXXX  XXXXTD bank, Bank address XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX XXXX I have been a victim of card cloning and TD bank is further victimizing me by ignoring my disputes. MULTIPLE charges were made at a gas station in Florida, amounts over XXXX each, I have disputed these multiple times and TD bank is ignoring me. 
At the time of these charges I was in XXXX having a surgical procedure and stayed at XXXX different hotels ( copies attached and further copies will be provided IF required to prove I was not in Florida pumping gas ). In addition the charges were reported AT a branch in XXXX, IN PERSON and a new card was issued to me after the disputes were submitted in person at the Branch location. 
The day I noticed the fraud, I went to a local TD bank Branch location in PERSON in XXXX and submitted the disputes there. 

I know my first and last name are of XXXX XXXX origin and this automatically has caused TD bank to toss over my dispute. I DID NOT go to Florida, I did not make those charges and If I am being accused of lying, then I am requesting a video surveillance of the gas station image of the person who pumped gas and visited the gas station in Florida. 

I am being discriminated and victimized by TD bank and this matter is causing pain and distress and undeserved financial hardship. 

My contact info ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Asked for all these inquiries to be removed within a dispute and nothing have been done. I put a freeze on all of my accounts. Removed as many false information on my accounts yet these items remain. 

XXXX  XXXX XXXX : XXXX XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX - Credit Union See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquiry : XX/XX/XXXX - Travel/Entertainment See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

Equifax has still allowed information from credit account to be reported. I have did a dispute back with them in XXXX and they responded XXXX. I informed them that they were reporting inaccurate information on my credit report and other fcra laws that they are violating which I will list for a third time. 
- 15 usc 1681 section 602- states I have the right to privacy. 
- 15 usc 1681 section 604 A Section 2- states a consumer reporting agency can not furnish a account without my written instructions. 
- 15 usc 1666b- a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. The account shows inaccurate late reporting. The account does not even show XXXX  days late on this account but shows XXXX ... for the month of XXXX it shows no data available which is incorrect as well. it does not show the XXXX pair due before it even got to the charge off point of the credit which means the time frames are wrong and does not properly align with the steps and dates before reaching charge off. Again multiple charge off being reported, until 2024 but no data available shown for XX/XX/year> but shows every other month before then of charge off each month. That is incorrect. PER FCRA charge off only shows on credit XXXX TIME FROM SAME ACCOUNT not multiple. I address this several times as well. 
I have addressed the late fees on this account multiple times. the last response stated they updated and modified the account on my end. They still modified and updated it wrong. PER FCRA LAW 15 usc 1681n - I have made Equifax very aware of the reporting information being inaccurate and they still reported wrong, Knowingly reported it wrong at that. if this issue is not fixed and removed from my credit report I will be seeking out payment for each incorrect information reported to Equifax. This information is being reported needs to be looked at and investigated AGAIN. This account needs to be removed from my credit report and updated by all three credit bureaus as well. Per FCRA 15 U.S.C 16811, all unverified and inaccurate information must be promptly DELETED. Non compliance with the request for deletion if you can not produce XXXX XXXX COMPLIANT EVIDENCE will force my legal team to file complaints with the Attorney General of Virginia along with any further legal action we deem necessary including but not limited to civil and punitive damages. Below I will attach the information I am specking in reference too and also previous response of them confirming they updated and modified and IT IS STILL INCORRECT!!
Product: Student loan

I obtained a student loan from Meritize in XX/XX/XXXX. The payments were deferred until several months after graduation and were scheduled to begin in XX/XX/XXXX. I signed the " autopay enrollment '' on XX/XX/XXXX and received confirmation of it via email from Meritize. When my funds were disbursed, Meritize withheld {$8700.00} of the total amount I had signed the contract for. After nearly one month, I finally received the funds after getting the Chief Sales Officer involved in the case. In XX/XX/XXXX, my former school advised that I needed to contact Meritize. I contacted them and was told that my payments were late. They had apparently tried to contact me using old contact information ( which had already been updated with them a few months before ). I said that they payments were supposed to be automatically withdrawn per the autopay enrollment that I signed in XXXX. Meritize had no answer for me as why this did not happen. I was told to contact their loan servicing company, XXXX, for more information. I contacted XXXX and was told that they did not have the form, yet they had all my bank account information. I asked how they would have that if they did not have the autopay form I filled out and the representative said they would have no other way to have that information. I made a payment at that time as I wanted to research with my bank and confirm that no other money had been withdrawn. After the phone call I forwarded the autopay enrollment form ( from XXXX XXXX to both Meritize and XXXX. The next month XXXX XX/XX/XXXX XXXX, I noticed that the autopay had once again not been deducted. I contacted XXXX and was told that the payment I had made in XXXX was not necessary, as there were no payments due. I asked why and the representative could not tell me. I called my contact at Meritize to ask why there were no payments due. She did not answer, and I left a message on her voicemail. I called XXXX back to confirm the date of the next payment due and was told payments would be due in XX/XX/XXXX. I repeated that that was indeed in one year, XX/XX/XXXX, and the representative confirmed. I emailed my contact at Meritize, advising that I had left her a voicemail earlier and that per XXXX, there were no payments due until XX/XX/XXXX. After that time, I received monthly email statements from Meritize/XXXX, showing that no payments were due. In XX/XX/XXXX, I received several emails all at once from MeritizeXXXX advising that my payments were due in XX/XX/XXXX and were now several months late. I also received a certified letter in the mail. I emailed Meritize and included the email statements from MeritizeXXXX from XX/XX/XXXX through XX/XX/XXXX showing that no payments were due. I also noted that no one from MeritizeXXXX  had contacted me prior to this time which they obviously would have done if any payments had actually been due. I advised them to correct the issue immediately. They did not respond and instead put a negative mark on my credit report.
Product: Credit card or prepaid card

this credit card company closed one of my accounts because check bounced check bounced because thief got a hold of it I was working and they took money from bank now after so many years capital one thinks I would not pay seriously I'm being penalized for a thief action I demand my account reopen I always pay off account every month
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX {$750.00} - XX/XX/year> XXXX XXXXXX/XX/XXXX {$470.00} XX/XX/year> XXXX XXXX {$210.00} XX/XX/year> You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice.
Product: Debt collection

I have XXXX accounts that were included in a bankruptcy and it was discharged in XXXX 2015. Transworld or TSI/XXXX as it shows on my credit report is still showing these accounts as open collections with remarks of Chapter XXXX Bankruptcy next to them.