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

I have tried to access my credit report through XXXX. Every time I enter my information to retrieve my report Im told there is no account associated with my information. When I try making a new account I am told there is an account already made. Its a never ending loop of getting no where to log in. Ive tried having some from XXXX help me and they couldnt get past the loop either. XXXX has outdated information on my report with inaccurate account information that need to be disputed. 

Transunion wont remove an account that is XXXX years old. Transunion has locked me out of my account. There is a lot of inaccurate information on my transunion report.
Product: Checking or savings account

My name is XXXX XXXX please add this to cfbp case number XXXX I need a update on my recent XXXX dispute claim I filled if it was denied reopen it or appeal it to have it reopen and investigation again because I disagree with the decision and send me its new decision when I is investigated again and also please dispute all the payments that make my account negative and credit any overdraft fees and atm fees and other fees back and dispute them fraudulent unauthorized for all the transactions thats made my account negative and provided me it disputes claim number and if they all denied reopen them or appeal them to get them reopen and investigation again because I disagree with its decision and XXXX still want help me with payment issue they keeping saying they cant dispute personal payments and keep telling me to contact my card issuer when I keep telling them I already did but they denied it so I need yall to reopen my XXXX dispute claim for {$32.00} or appeal it to be reopen and investigation and change the dispute type to fraudulent unauthorized and send me its new decision or send me a onetime credit for the {$32.00} because I really need it back and a XXXX credit to waive the negative balance to {$0.00} and send me proof when the negative balance is waived and credit to {$0.00} etc my checking account number is checking account number is XXXX and saving account number is XXXX etc
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate inquiries reported by TransUnion on my credit report. These inquiries do not appear to be associated with any of my current accounts or credit applications, and I believe they have been reported in error. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), TransUnion is required to ensure the accuracy and integrity of the information they report. As these inquiries are not connected to any legitimate credit applications or accounts under my name, I request that they be investigated and removed promptly.

Furthermore, under FCRA Section 1681i, I have the right to dispute inaccurate information on my credit report, and TransUnion is obligated to conduct a reasonable investigation into the disputed entries. I have made multiple attempts to resolve this issue directly with TransUnion, but the inaccurate inquiries continue to be reported, damaging my credit score. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and ensure that TransUnion complies with federal regulations regarding the removal of inaccurate inquiries from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
\ inquiries on your TransUnion report. 

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 reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 

Account Name XXXX XXXX Account Number XXXX Opened date XX/XX/XXXX Account Name XXXX Account Number XXXX Opened Date XX/XX/XXXX Account Name XXXX Account Number XXXX Opened Date XXXX Account Name XXXX Account Number XXXX Opened Date XX/XX/XXXX 2018
Product: Debt collection

On XX/XX/2018 a man appeared at my door saying he was serving papers for ( what initially sounded like ) XXXX. I said I had no account with them, and told me I needed to call the lawyer involved. Upon looking at the documents they related to my deceased grandmother. Knowing that by Federal law I am not responsible for this debt, and the fact it felt like a scam ( being served with papers without any prior effort by any party to contact me regardless ), I did not take action. On XX/XX/XXXX I and my spouse received additional correspondence from this lawyer stating that he was entering into judgment to have the debt paid. All documentation contains a laundry list of relatives for my late-grandmother, including the executor of her will ( which is not me ). Upon reviewing documentation sent by certified mail it seems that she took out a loan at some point prior to her passing. At no point was I aware of this loan, I never discussed it with her, nor did I co-sign on this loan. After talking with a representative of the CFPB on XX/XX/XXXX I wrote a letter to this lawyer indicating that I have no legal responsibility for this debt, nor do I have any intention of paying it. This letter was sent by certified registered mail on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, i noticed these unauthorized inquires on my credit report and have suitable reason to believe that i may be a victim of identity theft. Please Correct this, In accordance with FCRA 15 U.S.C 1681 Section 604 A section 2 states that i have a right to privacy. 15 U.S.C 1681 Section 604 a Section 2 : also states a consumer reporting agency can not furnish an account with my written instruction. Please handle with haste these inquires that were not authorized by myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have $ with PayPal. I bought crypto currency. The $ from my account disappears. I write PayPal and haven't gotten resolution. I can not afford to live without my $ so someones got to figure out where PayPal has delivered the $ from account.
Product: Credit reporting or other personal consumer reports

I have disputed some unverified accounts, inquiries and personal information and I have not heard back from this reporting company with an update this is my second time disputing these fraudulent accounts, inquiries and personal information.
Product: Vehicle loan or lease

Dear Sir or Madam, I would like to submit a formal grievance against BMW Financial Services as it pertains to the timely payment of my auto loan. 

I financed a new car through BMW Financial Services on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I received an email from BMW which welcomed me back to their company, and suggested that I sign-up for paperless billing statements, and re-enroll in easy pay ( automated ACH drafts ). I did both. I also changed my billing date from the XXXX of the month to the XXXX of the month. BMW allows you to change your billing date 3 times throughout the life of the loan. Confirmation of my easy pay enrollment, and billing date change are attached to this grievance. 

BMW sent me an email on XXXX XXXX, notifying me that my account was past due, but instructed me to ignore the email if I had made payment arrangements. In my mind, payment arrangements were made, because I changed my billing date to the XXXX. 

On XXXX XXXX, XXXX I received another email from BMW requesting that I contact them immediately about the past due balance of my bill. I spoke to XXXX and then escalated my call to a manager named XXXX. 

The agents informed me that I was indeed delinquent on my account, and needed to make a payment that day in order to avoid a late charge. I tried to explain to the agents that the automated IVR system explained to me that a payment would be drafted XXXX XXXX. According to them, my payment was due on XXXX XXXX. 

Here is my complaint : regardless of whether or not my payment was due XXXX XXXX, or XXXX XXXX, because I was enrolled in auto-pay, BMW holds the responsibility to debit my account on the due date. BMW failed to do this, therefore my account became delinquent, and had I not intervened, a late charge would have been imposed. 

At best, BMW has created a poor customer experience. At worst BMW has engaged in illegal activities as stated in sections 1031 and 1036 of the Consumer Financial Protection Act which prohibits a covered person or service provider from engaging in any unfair, deceptive or abusive act or practice. 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ( B ). 

The activity is unfair because the late charge could not have been reasonably avoided even though I was enrolled in auto-pay 36 days before the payment due date. 

The activity is deceptive because I received conflicting information from BMW regarding auto-pay and changing my billing due date. If I am enrolled in auto pay, payment should have been attempted on the due date. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

This actually is in reference to my previous complaint XXXX but apparently you do n't have a way to send additional comments on a complaint. I had n't received a status since last XXXX. Once I submitted to you the documentation that I had already rehabilitated my loan around 2003, XXXX apparently sold my loan & stopped garnishment, I 'm guessing because they were caught in a lie? However, they sold the loan to Van Ru Corporation & now they are threatening garnishment. I have paid twice the principal on this loan, and would now be eligible for forgiveness since I work for a public agency if XXXX had originally negotiated an affordable payment with me in 2003 as they were required to by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion listed closed accounts that I was told would be removed from my credit file. All documents were sent in to TransUnion. The companies are 2 Us Dept Of Ed accounts closed but not removed from. I sent in several letters and personally contacted the bureau along with the lenders. Not actions have been taken. The items still remain on my credit profile today.
Product: Debt collection

On XX/XX/XXXX, I received alerts from several " credit monitoring services '' regarding a new item that had appeared on my credit report. This was something saying " Collection/Charge-off '' from a company called Sunrise Credit Services. It allegedly had to do with an account with XXXX XXXX XXXX. 

I had had a cell phone account with XXXX XXXX XXXX at some time in the past, but I closed it almost exactly a year ago, and even successfully transferred the phone number to another carrier. 

There was some matter of an outstanding balance, matching the allegedly " delinquent '' amount. However, on XX/XX/XXXX, after communication with the XXXX XXXX XXXX, I received a letter saying that this would be refunded to me, which in fact that amount in question did, shortly thereafter, appear in my bank account : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Hello XXXX XXXX, I am with the XXXX XXXX XXXX Office of the President. We have received your complaint, investigated it, and provided the relief you requested. 

This will be available to you within 3-5 business days. 

If you have any questions, contact me at the telephone number below. Please reference our file number XXXX when calling. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
p ( XXXX ) XXXX | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - As such, I think we can agree that I did not nor do not owe any outstanding amount to XXXX XXXX XXXX, and I certainly do not owe a cent to whatever " Sunrise Credit Services '' purports to be. 

Please instruct that firm to leave me alone in every respect. 

Thank you.
Product: Debt collection

I have been constantly receiving phone calls from a company called national credit adjusters trying to collect money from me. I have never heard of this company until a few weeks ago. They are calling me from a ( XXXX ) XXXX number and also from a ( XXXX  ) XXXX number. They have called me late in the evening on some occasions and won't stop even when you ask them too. On XX/XX/2018 they called my phone at XXXXXXXX XXXX and woke my husband up. He has to get up for work at XXXXXXXX XXXX and this company feels they can call you all times of the day and night! I have never owed them and i will not pay them XXXX dime of my money! These harassing phone calls started on XX/XX/2018 at XXXXXXXX XXXX I asked them to provide me with proof that i owe them and they didn't provide a contract with my signature showing I'm obligated to pay them when I've never heard of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XXXX XX/XX/XXXX {$520.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$3200.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00} , XXXX  XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$6100.00}, Chapter XXXX Bankruptcy Date XXXX XXXX XX/XX/XXXX Reference # XXXX Asset Amount : {$0.00}. Inquiries : XXXX XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I wrote check number XXXX payable to The XXXX XXXX XXXX. The check cleared my account on that day and was credited to my account at XXXX XXXX XXXX XXXX. Then again on XX/XX/XXXX, the same check was again debited from my Wells Fargo account. This one is a fraud. I wrote only XXXX check for {$2900.00} and it was debited twice. I need to get my {$2900.00} back from Wells Fargo. I have filed 3 complaints with Wells Fargo. They keep closing the case and I have to have it started over again. One of the claim numbers is XXXX. I think that is the most recent one but I may be wrong. Another claim number is XXXX. There is no progress on this issue and I still don't have the {$2900.00} back. I need this to be resolved. Wells Fargo was negligent in clearing the same check twice and the second time it was not cashed by the payee. I don't know who cashed it the second time as the endorsement is illegible.
Product: Credit card or prepaid card

Hi this complaint is regarding my Macys credit card. I made a phone call ref # XXXX the day before a 12month furniture purchase promotion expires to either # 1 request an extension for more time on the promotion # 2 Pay off my due balance on the furniture so I don't get charge an interest on my account. After my inquiry I was offer an additional 6 months of promotion to pay off my balance. At that time I made a XXXX payment ref # XXXX to start paying off my balance to pay off in 6 months as agreed. the representative explained it might take up to 72 hours I let a few weeks go by to check back on my account to my surprise I had been charged the full amount of interest of XXXX and nothing had been done to my account. I called them right away on XX/XX/XXXX, after 50 minutes of speaking with different reps. I spoke with a supervisor named XXXX ID # XXXX who once again confirmed that my 6 months were approved and the charge of XXXX was charged by mistake and would now be given a credit on my account that can be applied to that interest charge of XXXX and to allow again 72 hours before resolved. Today is XX/XX/XXXX I called again being put through three different people, I was told that in fact the fist rep had made a mistake and asked for additional 18 months instead of 6 and the request was denied, this person who apparently is the head of the credit service department said he will correctly submit for 6 months, he made no promises or guaranteed that this will be resolved. I am very disappointed and feel as though Macys made false promises that made my credit score go down a few points because of credit increase, so # 1 it affected my credit score and # 2 it will now affect my finances since I am stock with a XXXX bill that wasn't supposed to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered illegal unapproved accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've forgotten to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you provide. Credit reporting rules require agencies to provide only accurate credit data. Each step should be taken to ensure that the data given is completely accurate and correct. The accompanying data should be researched in this manner. After carefully pulling my credit report from your service, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or false information since my personal information was impacted by the Equifax data breach and may have ended up in the wrong hands. You are filing reports recklessly and inaccurately, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the corporation for violations, stress, and menstrual agony on behalf of at least 1 % of the corporation, pursuant to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681 THIS ACCOUNT SHOULD BE DELETED. THIS IS A DEFAMATION TO MY CHARACTER. I AM TRYING TO PURCHASE A HOME AND THIS IS EXTREMELY DETRIMENTAL TO MY PROGRESS. EXPERIAN HAS A POLICE REPORT ON FILE AND CONTINUE TO REPORT THESE ITEMS.
Product: Mortgage

Pursuant to 12 CFR 1024.36, I am submitting this qualified written request for a clarification and adjustment in accounting records. Please address items one through seven independently. 

1. {$24000.00} was due to the XXXX XXXX Collector as of XXXX. This amount was paid by XXXX XXXX Citizens Bank. XXXX added in a balance {$31000.00} to XXXX account # XXXX for tax expenses. The tax adjustment was {$6900.00} more than the actual tax amount. 
2. The loan modification executed for loan # XXXX on XXXX ( ex B ) shows that {$4400.00} was recapitalized to pay delinquent taxes to the XXXX XXXX collector. This amount should have been deducted from the {$24000.00} gross amount due. 
3. The deferment amount of {$31000.00} listed on the loan modification ( ex B ) was established to cover taxes due for the XXXX XXXX Collector. After the loan modification was executed, the servicing rights were transferred to XXXX XXXX XXXX ( XXXX ). XXXX has acknowledged that the {$31000.00} was set for deferment of the delinquent taxes. 
4. The escrow statement for 2015 shows a negative escrow balance of {$1400.00}. This figure does not match any of the figures represented in previous escrow statements. 
5. Per the attached ledger, {$1800.00} & {$130.00} were adjusted prior to the loan modification, so the {$2000.00} was recapitalized within the modification figures. This amount should have been adjusted off the {$24000.00} tax amount due. 
6. In total {$13000.00} in accounting errors exist. The total amount added to the XXXX loan should have been {$18000.00}. 
7. The deferment of {$31000.00} gross amount needs to adjust as well to the {$18000.00}. That deferment needs to be applied to either the XXXX or the modified loan, not both.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. JPMCB - AUTO FINANCE, Inquiry : XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.