23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I paid off my car loan on XX/XX/2018 and am in the process of buying a house. I am set to close on my house today XX/XX/XXXX and tried calling the bank last week to get a letter showing that my loan was paid in full. The customer service rep told me that it could take XXXX days and they could only fax. I was OK with that because i still had a week to close. One day before closing i still did not receive the letter and i called at least 15 times to get this letter because i had to close on the house the next day. They told me i would have it before XXXX. At XXXX i decided to call because i still did not have the letter. I waited and waited and was told that i would have it by XXXX. I told them i would wait on hold until the fax was received. They let me hold. At XXXX they came back on and told me the department was closed. I was now out of luck and could not close and had to pay a penalty to the seller for not closing on time.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

They will not remove a account from  American Honda, a s it was in a chapter  XXXX , atv sold, and they are paid in full and I no longer should reflect this account as owed.
Product: Credit reporting or other personal consumer reports

MIDLAND CREDIT MANAGEMENT ACCOUNT # XXXX XXXX THIS ACCOUNT WAS NEVER AUTHORIZED BY ME TO REPORT ON MY CREDIT OR TO BUY MY PERSONAL INFORMATION. ALSO NO RESPONSE FROM COMPANY BY FCRA LAWS.
Product: Debt collection

I've received four phone calls this week from the following company : CKS Financial XXXX XXXX XXXX XXXX, VA XXXX Both times a " XXXX XXXX '' has left me a voicemail notifying me that I would be taken to court, arrested if needed, and credit ruined if I didn't immediately call back their mediator by the name of " XXXX XXXX '' at ( XXXX ) XXXX. I have no outstanding debts owned by CKS Financial so this is clearly a scam. I have called the number for Ms XXXX twice and left messages notifying them that I am aware their tactics are illegal and to remove me from their list, but I continue to receive these phone calls on a daily basis.
Product: Credit card

SirCan you please help with this problem. It should be easy to fix but since I cant communicate with this company makes it hard. Im sure they set it up this way to save money. 

I obtained a secured credit card from first progress for {$300.00}. The problem is XXXX credits are posted on XX/XX/XXXX and XX/XX/XXXX however they are not credited or deducted from balance, see file. Now they also want late fees. 

All the numbers I call or can find online either dont work or they have no idea. 

on card says first progress issued by Synovus Bank XXXX XXXX. Cant talk to a humanIve also called other numbers. 
I wrote them month ago no reply. 
This is a real stupid setup by this company. Please help as i am worried they are now going to show this as late account etc.. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account spoke with XXXX @ Equifax to remove account from credit report as this is not my account Account Number XXXX XXXX XXXX Reported Balance {$67000.00}
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX XXXX XXXX and Identity Theft. I have sent Transunion Multiple times my Police Reports and FTC reports and they are still showing ilegal fraud accounts on my profile account is XXXX amount {$1900.00} Transunion continues to break FCRA laws, by law they have to delete Identity Theft items within 4 days of disputing and receiving Documents please help me delete this illegal account immediately. 

I am attaching proof of ID POLICE REPORT AND FTC reports.
Product: Credit card

I am writing to seek assistance regarding a refund issue I have been experiencing with Capital One XXXX and XXXX. Below is a detailed account of the situation : - On XX/XX/XXXX, I booked a flight through Capital One XXXX, using XXXX Capital One miles to cover the trip 's total cost of XXXX. 

- On XX/XX/XXXX, I contacted XXXX to cancel my trip. My booking number through Capital One XXXX is XXXX, and my XXXX airline booking number is XXXX. 

- Upon cancellation, a case number was created ( XXXX ), and within a few XXXX, the status showed " refund processed completed. '' - On XX/XX/XXXX, I reached out to Capital One XXXX to inquire about the refund process and timeline. The representative needed to contact XXXX and put me on hold XXXX  times, eventually stating that they couldn't reach XXXX. She promised to keep trying and provide updates within XXXX hours. 

- On XX/XX/XXXX, I called Capital One XXXX again to check the refund status. The new representative was unaware of my case, so I had to explain the situation again. He also attempted to contact XXXX but was unsuccessful, promising to get back to me within XXXX hours. 

- As of now, I have not received any updates or my refund from Capital One. Moreover, my canceled trip still appears as active in the Capital One XXXX system, despite being removed from XXXX 's system. 

I am requesting CFPB 's assistance in resolving this matter promptly. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX, I ordered a direct express paycard by calling the social security administration and was told it would arrive in 15 business days which would be XX/XX/XXXX. 
I never received the card and called to cancel the request and was told they have no record of it and I was told to call the card company directly who directed me to the U.S.Treasury department who had no record of my order for my XXXX benefits to be direct deposited to the card monthly. 
I randomly call the SSA to make sure that my bank account number hadn't been swapped with the benefit card that I ordered but never received and have since attempted to cancel though they have no way to cancel but show that there is no card number that took over my social security number payroll deduction XXXX account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccuracies pertaining to my student loan accounts that have been reported to credit bureaus. Despite multiple attempts to rectify these inaccuracies, they persist on my credit report, causing significant concern and adversely affecting my financial standing. 

Loan Account Inaccuracies : First Subsidized Loan ( Loan Date : XX/XX/XXXX ) : -Entered Forbearance : XX/XX/XXXX -Entered Repayment : XX/XX/XXXX -Experian : Late payments reported for XX/XX/XXXX ( 120 days ), XX/XX/XXXX ( 90 days ), and XX/XX/XXXX ( 90 days ) despite being in forbearance. 

Second Subsidized Loan ( Loan Date : XX/XX/XXXX ) : -Entered Forbearance : XX/XX/XXXX -Entered Repayment : XX/XX/XXXX -Experian : Late payments reported for XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), and XX/XX/XXXX ( 90 days ) despite being in forbearance. 

Third Subsidized Loan ( Loan Date : XX/XX/XXXX ) : -Entered Forbearance : XX/XX/XXXX -Entered Repayment : XX/XX/XXXX -Experian : Late payments reported for XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), and XX/XX/XXXX ( 90 days ) despite being in forbearance. 

Furthermore, in accordance with 20 U.S. Code 10786 - Default reduction program, the record of default should be removed from my credit history, as my loans were consolidated and transferred to DEPT OF EDXXXX 

Additionally, my XXXX account indicates that my loan status for the account originating on XX/XX/XXXX is " cancelled '' effective XX/XX/XXXX. 
Given these circumstances, it is clear that these accounts should not be reporting inaccurate late payments, and they should not even be present on my credit report due to the provisions of 20 U.S. Code 10786.
Product: Prepaid card

American Express gift card can not be used at any retail store as it says online. It can not be used in stores or online. Defeats the purpose of having the gift card. It has {$250.00} on it that will not work at all.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

I am writing to formally dispute unauthorized transactions on my XXXX online account, which occurred on XX/XX/2024. My account was hacked, and the perpetrator used my Chase business card, saved on file, to purchase XXXX {$25.00} gift cards. Subsequently, the hacker deleted my saved credit card and added their own, receiving the payouts from these transactions. I have a screenshot of the credit card information that is not associated with our business. 

Our company is based in Utah, and all our transactions, including billing addresses and credit cards, are within the state. The fraudulent credit card information indicates a California name and address, which clearly does not align with our business operations. Furthermore, we have never purchased any credits from the XXXX store ; our only purchase is an annual subscription to XXXX XXXX. 

I noticed these charges on XX/XX/2024, and immediately contacted Chase. They reversed the charges and issued new credit cards. I also changed all my passwords to secure my accounts. However, I received a letter from Chase dated XX/XX/2024, stating they found the charges to be valid. This conclusion is perplexing as Chase did not contact me to discuss the incident or request any supporting documentation at the time of my initial report. 

I urge you to reconsider this matter and review the evidence provided. It is clear these charges are fraudulent and not authorized by our business.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB 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 NUMBERXXXX ) 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 : 1. XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Trans Union several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity theft report XXXX, I've called Trans Union and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following account is what is being reported : XXXX/XXXX  account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX I had credit freezes with all three Credit Reporting Agencies in place since as an XXXX year old I don't normally apply for any new credit. I was switching XXXX XXXX providers and they needed to run a credit check. 
When I tried to sign on with each Credit Agency they made me change my existing passwords ; then they each steered me to a website page that tried to upsell me to a higher level of constant credit monitoring. Nowhere on the page was there a box for freezing or unfreezing my account, nor was there a query search box available. 

Finally, I did an internet search and saw that XXXX XXXX had information on how to lift a freeze with credit agencies and provided links. I was able to temporarily lift the freezes with TransUnion and XXXX. XXXX was the worst. They couldn't identify my account using my user name or email address, gave me a phone number, where a computer asked me a dozen related, multiple choice credit usage questions. Then the computer said I would have to mail in or fax the request for a temporary unfreeze. 

Total time, over XXXX hours and still don't have the temp unfreeze from XXXX. 

By placing an upsell page XXXX on their website, I am sure many inadvertently are signed up for their more expensive services. The FREE services should be prominently shown on all their web pages and the Freezing, Unfreezing service easily found. 

Thanks
Product: Credit reporting or other personal consumer reports

I appreciate your attention to removing some erroneous items from my credit report, but there are still unauthorized entries that need to be addressed. I recently obtained a copy of my credit report from your bureau on XX/XX/XXXX and noticed several unauthorized hard inquiries listed. The details are as follows : EXPERIAN : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX -- -- -- -- -- -XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Each company involved has been notified via certified mail that these inquiries were not authorized, and I have requested their removal. In accordance with the Fair Credit Reporting Act, I am asking that these unauthorized inquiries be removed from my credit report. Please provide me with an updated copy of my credit report once these inaccuracies have been corrected.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX, my company, is renovating a small hotel in XXXX XXXX, CA. XXXX XXXX XXXX XXXX XXXX XXXX is one of our local subcontractors. Someone gained access to email exchanges between companies and then posed as XXXX  ownership and management. XXXX XXXX XXXX then wired a progress payment of {$97000.00}, believing it was an XXXX account. It was not. 
The wire transfer was to a fraudulent account at Truist Bank. We contacted Truist initially by phone to advise them. There has been no response. On XXXX, I mailed Truist Bank Chairman & CEO ( XXXX XXXX, XXXX ) + Chief Information Officer ( XXXX XXXX  ) a letter explaining the situation along with numerous documents relating to this scam. It is now three weeks later and still no response. I believe they realize they made a terrible mistake and hope I will give up pursuing financial reimbursement. I will not. 
I am aware Congress has passed laws protecting banks but do not believe these laws cover negligence when banks allow fraudulent accounts to be established. Truist should have taken more security steps to insure this was not a fraudulent account. In addition, the wire transfer info we provided included the wrong address, city and state as a Truist location. This alone should have raised red flags at Truist, but it did not. 
Truist needs to determine how and why this fraudulent account was permitted, accept responsibility and reimburse me for money lost.
Product: Credit card or prepaid card

I applied for a, Care Credit Card for our Sickly XXXX  ... I was never told anything about Finance Charges, nor was I told it had to be Paid off in 6 months..

I have been paying on the Card monthly, never missed a payment..

The Balance, had Gotten down to {$930.00}.

I was Rudely Informed today, that Since It wasn't paid off in 6 months..

Now, they have charged me {$79.00} In Interest!

The guy i spoke to this morning Was Rude!

And, told me I should of had paid it in 6 months..

I told him I don't have that type of monies to pay off in 6 months..

I have never missed a Payment, nor been late!

I told him by law they can't do this..

He stated Yes they can!

I have other Credit cards, and haven't paid off the Entire Balance ... And, wasn't charged Almost {$80.00} at one time, in Finance charges!

I told him they can't do that, it's against the law..

He stated Yes they Could..
Product: Credit card or prepaid card

Somebody used my information, name and social, to apply for a credit card on XXXX XXXX. The credit inquiry on my XXXX account came from ComenityXXXX XXXX on the above date. I have already filed a dispute with XXXX and have contacted Comenity Bank to have them decline the application and close all that down. According to XXXX, my next step is to file a report with you all and send it in to them. Thank you for any and all help in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit card with bank of America for over 8 years I have alwaus submitted payments on time. During the pandemic I was unable to access my account due to lost phone when I logged in I did the full payment of my balance wich was {$50.00} I have over XXXX $ in the account I never received a letter or call that the account was past due now I see they reported late payment to my credit wich is affecting my ability to get a credit. I have always paid on time and the {$50.00} is paid in full so I don't understand why this was reported without notice. I really need this to be removed I've been a customer for 10 years never missed a payment and this is causing me issues. 

The balance is paid in full and I would like this to be removed from my credit
Product: Credit reporting or other personal consumer reports

They are still showing XXXX XXXX XXXX on my account and this account does not belong to me
Product: Credit card or prepaid card

My complaint involves the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and the Exchange Credit Program ( ECP ) that manages the STAR Card. The card has a retail balance, which carries an 18 % interest rate and a military clothing balance, which carries a 0 % interest rate for 8 months. In early XXXX, I purchased {$500.00} of military uniforms, which should have carried the 0 % rate. I discovered this week ( XXXX XXXX ) that the balance was instead placed on the retail side. I contacted the ECP to find out what happened, and the operator ( XXXX, no further information ) stated that she submitted the request for the correction, but the department in charge would have to decide whether or not to approve. I feel I've worked in good faith to correct this problem, but ECP seems to treat the error as an inconvenience ( I was originally directed to take my problem to the store with my receipt ). I just want the balance of the account to be reflected appropriately -- under the military clothing side ( 0 % interest rate ) that I was made to believe at the time of purchase. Any interest accrued on this account needs to be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$8100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$4500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 2. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, 2016 with a credit limit of {$8100.00} -This is not my account.