23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I made a complaint about BBVA, I tried to call them but they hung up on me. The complaint number is XXXX. I also provided feedback. I would like everything to be reviewed again. Because if they are using an automatic system I did not chose that, if I do not have the money in the account I do not wish to pay something. They decided they would pay it. Which would be a personal business loss on their end. I have no accountability or responsibility to pay them back. Even BBVA 's documents and submitted and in their reply they even state I had the money, and I went into a branch and got my money, their fees were not even process the day I got my money. Again on them and their system. They even show how and tell how they just kept piling on fees two {$25.00} fees several {$38.00} fees and they just kept sending checks according to one of the agents. Which would be another system error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Debt collection

In XX/XX/XXXX, As a ten year XXXX XXXX customer, I underwent a phone upgrade while adding an additional line to my wireless service. During the process, the free phone purchase was applied to the incorrect line and required XXXX customer service to correct the service lines. Unfortunately, a supposed unexplainable error occurred impacting my account and required numerous finance technicians to correct the matter which unfortunately resulted in major account discrepancies and a sudden balance of XXXX which I was initially informed should be offset or corrected in the upcoming billing cycle. As a long time XXXX customer, I had no reason to question or distrust this answer. 

it should be noted that XXXX policy requires accounts to be current before processing any upgrades of new line activations. If such balance existed on my account, the upgrade would not have been permitted. 

Through numerous attempts to correct the discrepancy, XXXX representatives were unable to identify the error, the account was somehow modified with a XXXX balance for illegitimate charges including for the remaining lease of a phone which XXXX required be paid in full in order to upgrade and was done so, yet the next bill reflected a balance for the cost of two phones simultaneously tied to one individual phone line, a circumstance not allowable per XXXX policy. Remaining balance for the remaining lease of the phone was paid in full with cash in store while the new phone was free as part of a promotion with activation of a new line. This was the arrangement I signed and paid for, yet modified during the correction of the phone lines. 

Numerous attempts to address the issue have been made, but XXXX representatives have been unable to understand the issue as my entire account was modified unexplainably and resulting in account changes that are incorrect, exploitive and fraudulent. 

A XXXX balance is unrealistic as XXXX only allowed a XXXX credit limit, a XXXX balance would not have been approved under any circumstance and would have been disconnected at the XXXX mark, but in no circumstance would XXXX have allowed me to accumulate a bill that high, the charges were sudden, erroneous and illegitimate and are being pursued fraudulently. 

As a result of the inability to understand and correct the issue, I was stuck with a XXXX balance and service termination due to my inability and unwillingness to pay these illegitimate charges. XXXX has forwarded this item to collections, and despite numerous requests for validation of the amount and dispute, I am yet to receive any logical explanation or documentation substantiating the issue and have been significantly impacted from a credit standpoint as well as hindering my ability to obtain wireless service from any provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX, XXXX 2021 XXXX, Equifax, and XXXX took it upon themselves to start reporting a bankruptcy on my consumer credit report. After I contacted XXXX, Equifax, and XXXX, all three credit reporting agencies said that the bankruptcy ( XXXX ) was accurate and came from XXXX. On XX/XX/2021 XXXX sent me a correspondence which is included in the attachments, saying that " After their reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number ( XXXX ) ''.
Product: Bank account or service

I had my ties severed with my local Santander Bank in XXXX recently in XX/XX/XXXX and had my checking account closed after an incident ( I have received checks of a fraudulent nature which was n't particularly my fault ) and I was given a warning to my bank.However, I 'm still forced to pay Santander 's Line of Credit Overdraft Protection Service which I find to be unfair if I 'm no longer tied to the ban and have to pay back {$3000.00} I felt like I got XXXX to pay off a massive bill and I kept getting harassing phone calls from Santander after missing a payment and being called 5 consecutive times. I shouldnt be forced to pay a bill and get attacked with interest rates I was deceived by my bank that I could cancel the service but then I was told Have to pay the full amount back and I 'm struggling to find employment to pay this off.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX Inquiries XXXXXXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I was at work on XX/XX/ when I started getting alerts from credit monitoring services I subscribe to and complimentary monitoring services from other credit card providers. 
My credit files were suppose to frozen, so I was shocked. Evidently I either forgot to freeze one of them or I inadvertently unfroze one of them, turned out to be Transunion. 
I called Transunion and they said call the XXXX XXXX and XXXX XXXX. I called and was told no consumer accounts were issues in relation to the inquiries. 
My personal information was compromised in ( 3 ) different data breaches XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I monitor my credit fairly closely.
Product: Credit card or prepaid card

I disputed a charge on XX/XX/XXXX and as of XX/XX/XXXX I have not heard from Comenity Bank XXXX. Also, I did not get a provisional credit while this amount is under dispute, so therefore I am being charged interest on that amount. 
I disputed the amount of {$1200.00}. I spoke with XXXX today XX/XX/XXXX and she said the dept has not got to my account yet to apply the provisional credit and also the dispute was only put in on XX/XX/XXXX This bank has turned out to be a nightmare, please help
Product: Consumer Loan

I would like to file a unfair business practice complaint against XXXX XXXX Ford, XXXX, XXXX, NY XXXX and Ford Motor Credit.They were so desperate to make a auto sale that they allowed my husband to sign a loan agreement, which included me on the loan. My husband never does any of our financial documents, as he is XXXX as to what he signs. I never stepped foot into that dealership, so therefore I never signed any loan document. I spoke to the owner and he was not helpful at all. I advised him that I wanted my name taken off the loan. I also informed Ford Motor Credit and they were of no help either. I would like to file a complaint against the dealership who allowed a person to sign a legal document in another persons name knowing that the other person was not there at the time.
Product: Credit reporting or other personal consumer reports

I have a late payment showing up on my account. I was never late so I'm not sure how this got there but it is effecting my score and my ability to get the best rates on a home loan. The account has since been paid and gone but i would like the late pay removed or show me how i was ever late since i was on auto pay. Thanks
Product: Debt collection

We had been having safety and security issues at the apartment complex we were renting from XXXX XXXX XXXX  in XXXX XXXX XXXX, Florida XXXX for over nine months. We contacted management but no attempt was made to fix dangerous construction debris, inaccessible services such as walk ways and trash disposal, and overcrowded apartments nearby that had loud parties and were dealing drugs late into the night. People would walk directly into the apartment across from us without a key or knocking. In the morning there would be beer, liquor and food trash in front of the apartment on the stairs and in the corridor. We filed complaints with the Florida Attorney General. We received receipts that our complaints were received but no other information or action. 
The complex/company raises the rental rates every time you renew your lease. We had been looking for another rental, once found we requested the form to end the lease. We filled it out and returned it to XXXX XXXX, the current Manager. She confirmed receipt and our move out date. There was a waiting list for the one bedroom we were currently renting. We turned all of our keys in which she confirmed via email. She said there was no balance due and nothing else was needed. We received no calls, correspondence or emails from her after we had ended our lease. Over two years later when making a financial transaction I learned that I had a derogatory account on my credit from XXXX XXXX XXXX, and I.Q. Data International, Inc. of XXXX. I was charged XXXX for " breaking the lease '' and they continue to add monthly processing charges to this debt. I was informed by XXXX that there was no fees if the form was filled out. She was very helpful and never said there would be any fees or charges. I do not know who determined that these fees would be charged to me. I believe if you audit the leases for this company with properties throughout the United States that you will find excessive charges and fees to tenants living there and to the majority of those ending their leases. At the minimum, there should be a class action lawsuit against this company. In addition, I don't understand how their billing, leasing and property management can be in compliance with the Fair Housing Act. Please advise and assist. Thank you.
Product: Vehicle loan or lease

The bank Chrysler Capital has my car kin and is now trying to say they only received half payments from XX/XX/XXXX to XX/XX/XXXX and its absolutely incorrect this is the worst bank iv ever dealt with Im waiting on card statements for my prof but they now have it as 120 late and in the loss and recovery Dept amd status as a repossession something needs to be ASAP about this bank this is the second time they have done this to me and they have not contacted me nor sent any notices about these half payments nor a repossession in progress they also have never reported my payments monthly to the credit bureaus they have actually hurt my credit more than helping I cant afford a lawyer but will not let them lick this car yo til I get my statements to show there was always whole payments made there was some months I did half and half but they r trying to say only got half and its XXXX XXXX and there just saying from XX/XX/XXXX or XXXX to XX/XX/XXXX this meds to be looked into ASAP please thanks XXXX I could have sued the sewer and this bank for contract fraud but didnt go forward my whole contact is messed up sorry saying half payments since XX/XX/XXXX and I can share any document yet waiting to get them by mail but the car is in a repossession status now
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never felt with this company ever. 
This is fraudulent activity and is on showing on my credit report. I have reached out to the company to dispute this matter as well.
Product: Debt collection

There is a debt reporting on my account from national credit systems in the amount of {$4000.00} which is not a valid debt. Its a lease agreement signed with an electronic signature, no documentation related to the lease belongs to me clear indication of fraud
Product: Credit reporting or other personal consumer reports

On XXXX I applied for an apartment at XXXX XXXX. I paid a {$100.00} application fee and a {$750.00} holding deposit. I was told by XXXX XXXX that it would take 5 days to process my application. 
On XXXX I received a lease which has the wrong move in date. I reached out to XXXX XXXX to correct this on XXXX. I also called their office and text the leasing agent with no reply. 
On XXXX my lease and application was removed completely form XXXX XXXX online portal- screenshots have been included in my email to XXXX XXXX XXXX 
I then made multiple calls and texts to XXXX XXXX. 
On XXXX when I still did not receive any lease or replies, I asked to withdraw my application. This can been seen in email. 
On XXXX I heard from thee leasing agent XXXX via text- I had confirmed with her I am no longer interested in the unit and she confirmed on XXXX to refund my holding deposit. XXXX had confirmed via text- text screenshot attached. 
On XX/XX/XXXX I reached out to XXXX the leasing agent as well as XXXX XXXX confirmed via text that the deposit would take 5 to 10 business days. 
I waited two months for my refund which was never received. XXXX XXXX completely stopped replying to my messages and I had to dispute the {$750.00} charge with my bank directly. 

In XXXX of 2023 Genesis/ Columbia Debt Recovery reached out to me to pay this debt. I sent them all the information multuple times. I even spoke to a representaive who said they would be removing this charge from my account. They never removed this charge and it is showing on mt credit report. 

I provided Genesis/ Columbia Debt Recovery full documentation on five seperate occassions of XXXX XXXX confirmation to refund me as well as their inability to uphold the terms of their contractual obligation.
Product: Debt collection

I am writing to formally request a copy of the purchase agreement associated with the account referenced below : Under the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt that is reported on my credit report. Specifically, I am requesting that you provide the original purchase agreement that substantiates the validity of this account. If you are unable to provide this documentation within XXXX  days of receiving this letter, I kindly ask that you cease and desist all collection activities related to this account. Furthermore, I request that you delete this item from my credit report in accordance with the FCRA, specifically 609 ( a ) ( 1 ) and 605 ( b ), which outline the rights of consumers to dispute inaccurate information and the requirement for creditors to provide validation of debts. Please send the requested documentation to my address listed above. If I do not receive a satisfactory response within the specified timeframe, I will have no choice but to escalate this matter to the appropriate regulatory authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was opened in 2007 and is still being reported as a negative closed account on my credit report. In addition, a payment history check will show the first delinquency on this account is over 7 years old. This account should be deleted in totality. I asked for it to be removed entirely. according to the credit reporting laws accounts not paid as agreed or delinquent can not be reported after 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days past due on the DEPTED/XXXX  partial account number XXXX. XXXX  ; Experian and XXXX are also reporting that I am XXXX XXXX XXXX XXXX days past due on the DEPTED/XXXX  partial account number XXXX. Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost dissatisfaction and frustration regarding the ongoing attempts to remove fraudulent items. As a concerned stakeholder, I believe it is imperative to address this matter promptly and transparently to ensure the integrity and fairness of the process. 

Despite multiple attempts to address these concerns in previous rounds, it is disheartening to witness the persistence of fraudulent activities, which not only undermine the credibility of the process but also jeopardize the trust and confidence of all stakeholders involved. 

Therefore, I urge you to take immediate and decisive action to rectify this situation. It is essential to implement robust measures to identify and eliminate fraudulent items effectively, thereby upholding the principles of fairness and integrity. 

Furthermore, I request regular updates and transparent communication regarding the steps taken to address these concerns. With this, I am asking for your assistance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

ELAN FIN SVCSXXXXXXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information ELAN FIN SVCSXXXX XXXXXXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.