23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received an email stating that I had won a watch from XXXX XXXX XXXX and that I only had to pay {$7.00} shipping. The watch was supposed to be free. When I received my credit card statement I was erroneously charged {$64.00}. I submitted a complaint with my credit card company Capital One on XXXX XXXX XXXX was notified by mail on XXXX XXXX that Capital One had sided with the merchant. I called XXXX XXXX XXXX last night Customer Care and they had NO RECORD of me ever ordering or anything ever being mailed to me. I asked them if they would give me the address so I could return the product. I was told since I had NO ACCOUNT with them, they were NOT AUTHORIZED to give me that inflammation. I sent the information to Capital One last night through a secure portal they gave me.
Product: Debt collection

I received notification on all XXXX credit bureaus of a debt that was never sent to me by mail. I have tried to reach out to this collection agency to request validation of debt, but could not get through on their posted phone number. This debt collector has improperly reported a debt and this is a violation of their obligations under the FDCPA. I am requesting for immediate removal of this from all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally file a complaint regarding multiple unauthorized inquiries that have appeared on my credit report. I suspect that these inquiries may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved parties, the matter remains unresolved. 

Upon reviewing my credit report, I discovered several inquiries that I have not initiated and have no knowledge of. These unauthorized inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am concerned that my personal information may have been compromised, leading to unauthorized access to my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed several inquiries that I never authorized. I've complained about this before and have not received any resolution as of yet.
Product: Vehicle loan or lease

I had fell behind on payments due to many uncontrollable factors. I got in touch with ally and set up a payment plan. I paid the initial {$150.00} requested and assured them of payment and gave an outlined forecast of plans that had been set in motion. Ally financial broke the payment agreement and repossessed the vehicle out of state of residence mainly because I had given up to date information while setting up the payment plan. The vehicle was repossessed on XXXX XXXX while I was at work, ally completely dishonored the payment arrangements and in turn I was hit with a total of XXXX to regain possession even though they were aware of my financial situation. Ally financial also dishonored the 90day period which I was granted to retrieve the vehicle and sold the vehicle in XX/XX/year> after adding another surcharge and blocking my account access in the attempt to hide the dishonesty. On XXXX XXXX I was told I was not going to receive funds from the sale of my vehicle because the amount it was sold for was insufficient and I still owed ally financial money. The vehicle is valued at {$12000.00} according to a XXXX offer which I had gotten due to miscommunication from ally financial regarding the status of my payment plan with ally financial. I owed XXXX in total to ally financial out of XXXX. I also realized this is a common practice this company under takes occasionally. Whenever I called their establishment I was given instructions as to what to do but yet they have no record, and all my account information such as addresses and phone numbers were out of date even though I got correspondence at the current mailing address and phone number I now use. What should I do? I feel as if they have committed a fraudulent act by misleading me which led to the said party repossessing the vehicle.
Product: Credit card or prepaid card

Wells Fargo and XXXX who are in essence affiliated. Charged me for hotel stays several times over in amounts totaling almost XXXX. Hotels won't provide receipts and Wells Fargo has not responded to my request for dispute.
Product: Credit reporting or other personal consumer reports

XXXX has yet to send over there requested information on validation of the bankrucptcy i have contacted the us bankruptcy court to get validation of the bankruptcy and was told there is no bankruptcy filed in my name with the case # XXXX  reporting, i have enclosed the letter from XXXX XXXX  and well as the us bankruptcy courts informing me there is no bankruptcy filed. 

iam asking the this fraudulent all fraudulent items be removed at once from my XXXX credit report.
Product: Debt collection

I have been working directly with the company that this debt originated from. Also when I spoke with the original debt they informed me that this company has no right to contact me on behalf of them because I do not owe the collection agency I owe them directly. Now they are reporting to my credit reports and I am not happy.
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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX Citibank continues to violate my rights when it comes to sharing my personal information with non affiliated third party companies including but not limited to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Per the Privacy act of 1974 it is illegal for any company to report transaction history ( Privacy Act of 1974 If a federal agency is involved, it can not disclose personal information, including transaction history, without the individual 's consent unless certain exceptions apply. ) This applies to The Social Security Administration which includes my SSN XXXX 
Per the Privacy Act Damages : If an agency is found to have willfully or intentionally violated the Privacy Act, the individual may be entitled to actual damages sustained due to the violation. 
Minimum Damages : The Act provides for a statutory minimum of {$1000.00} per violation, even if actual damages Per the Fair Credit Reporting Act ( FCRA ) The FCRA governs how consumer credit information ( including transaction history ) is shared by credit reporting agencies and financial institutions. 
Permissible Purpose : Transaction history can only be reported to authorized entities, such as creditors or erotatons ( eg, Inauthonied sharing ) oan lead XXXX ines, penates, and lawsuits Per the FCRA as a federally protected consumer I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, per 15USC6802-6805 this will be effective immediately and indefinitely Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 at XXXX I was physically served a Summons at my home address by a process server. The Summons was dated XX/XX/2019. The Summons states that since I was physically served that I have ten ( 10 ) days to answer the summons by filing and answer with the Plaintiff 's attorney and if there is no attorney for the Plaintiff present I am to file an answer at the Plaintiff 's address of XXXX XXXX XXXX, XXXX, NY XXXX. 
I have uploaded a copy of the Summons.

The Summons was for a Tuition debt that is owed to XXXX XXXX XXXX College. The debt amount is {$1300.00}. I have previously attempted to pay the debt in installments on the XXXX XXXX XXXX College website starting on XX/XX/2019. The XXXX XXXX XXXX College website would not allow me to make partial payments on the debt. The XXXX XXXX XXXX College website would ONLY allow me to pay the full amount of the debt, {$1300.00} and I have uploaded proof of this fact.
Product: Debt collection

Merchants credit guide claim amounts are {$500.00} and XXXX Medical coverage was paid by private insurance coverage and balance owed is incorrect due to insurance deductible and hospital overcharged for services rendered
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX account name 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 agency can not furnish a account without my written instructions
Product: Debt collection

I have never had an an account with this company nor have I had an account with the company XXXX XXXX not now and not ever. This account was opened due to fraud and needs to be removed immediately. Credit bureaus all have been sent a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I got a lease through XXXX XXXX ( an XXXX subsidiary ) on XXXX XXXX XXXX XXXX XXXX. Before I took this lease I asked XXXX XXXX manager : Would this lease appear on my credit history in my credit report? The answer from XXXX XXXX manager was of course YES! So I started driving on this leasing vehicle on XXXX platform. XX/XX/XXXX I returned this vehicle to XXXX XXXX. From XX/XX/XXXX till XX/XX/XXXX Ive paid for this leasing vehicle total {$13000.00} by weekly, payment amount of {$150.00}. All payments has been paid on time without any delay. But unfortunately I dont see any account/report in my credit history/credit report about this leasing vehicle after Ive returned this vehicle to the XXXX XXXX. When I took this lease the XXXX XXXX did only inquire through Trans Union to run my credit history/report. But when Ive returned this leasing vehicle the XXXX XXXX didnt report to the Trans Union or other credit bureaus about this lease as their manager promised me before Ive took this lease. Ive tried to communicate and resolve this issue directly with the XXXX XXXX managers and sent them few e-mails. But unfortunately Ive got an answer from the XXXX XXXX manager that At this time XXXX XXXX does not report to the credit bureaus. The only time we work with the credit bureau ( Trans Union ) is when we review your application for the lease. Other than that, your payment history would not be reported. But when Ive asked the XXXX XXXX manager about reporting this lease to the credit bureaus before Ive took this lease the answer was YES. Whats that? If their manager had told me NO before Ive took the lease, I have gone to another leasing company and have taken another lease. The problem is the managers of the XXXX XXXX dont want to do report to the credit bureaus about my lease as they promised me before. But XXXX company and the XXXX XXXX is not a small company. Its a huge company with many offices, thousands employees and its XXXX dollars company. They can afford to provide the reports to the credit bureaus. Also they provide very expensive leases for the vehicles. Just for 1 year 8 months Ive paid {$13000.00} for the lease of XXXX XXXX XXXX Its a huge money and I hope, that I deserved fair report about this lease in my credit history/credit report because Ive paid off this huge money for this lease. Please reinvestigate this matter as soon as possible. For supporting my position enclosed are copies of : - Motor Vehicle Lease Agreement Closed-End-With Arbitration Agreement ( two parts ) - Retail Installment Sale Contract Simple Finance Charge - DMV Registration Card Valid From : XX/XX/XXXX to : XX/XX/XXXX - DMV Registration Card Valid From : XX/XX/XXXX to : XXXXXX/XX/XXXX - XXXX XXXX Returning Form - XXXX XXXX Return or Transfer Excess Wear Inspection Report - Approvement of History of All Payments From XXXX XXXX Support
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the CFBP regarding fraudulent accounts that have been inaccurately reported on my credit report. These fraudulent accounts are damaging my creditworthiness and financial standing, and I am seeking your assistance them promptly removed. Under the provisions of the Fair Credit Reporting, I am entitled to accurate and up-to-date information on my credit report. It has come to my attention that the following fraudulent accounts have been reported : Account name : XXXX XXXX XXXX account number XXXX Date opened XX/XX/2019. I did not open or authorize accounts, and they are the result of identity theft ot fraudulent activity. I have taken the necessary steps to dispute these accounts with respective creditors, but to no avail. Despite providing evidence of the fraudulent nature of these accounts, they continue to negatively impact my credit report and financial well being. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal of these accounts from my credit report. The CFPB mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and it is clear that these accounts do not meet that standard. All of these accounts must be removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for over 5 years to have  XXXX  bankruptcys removed from my credit that do n't belong to me   XXXX    and   XXXX   took care of right away transunio n still nothing I evem went as far to sending them the cover page showing it was n't me that I got from court ho use. The funny thing is they removed that name several years ago from my bureau because it was n't me ..My name is  XXXX   XXXX  Not  XXXX   XXXX   wrong last n ame wrong first name Please Help  XXXX
Product: Credit reporting or other personal consumer reports

I was contact by a company XXXX XXXXXXXX XXXX  XXXX. I have no business relations with XXXX XXXXXXXX XXXX XXXXXXXX.This company claims I owe moneys to XXXX due to my buisness ties to company XXXX. My information is being mishandled. I did not authorize any third party transactions The account debtor XXXX XXXX is unfamiliar or incorrectly filled.The company reaching out is third party. They are claiming to have limited information.I attempted to contacting original debtor XXXX to resolve complaint with consumer finance.gov. However XXXX XXXX is unresponsive .The dispute was immediately closed. Ive also request proof of debt from all third parties. This was submitted more than 30 days ago.The company failed to bring forth this documentation or remove debt regarding account
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but hos is that possible if the open date is inaccurate, the date last active is inaccuarate, and date last reported is not accurate. this ground for removal they also violate my rights under 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 card or prepaid card

COMPLAINT ID XXXX This is a partial continuation of the above complaint against BBVA. My main concern is that no one at the bank is able to provide any help or clarity regarding my ongoing issue ( s ). I had a representative from BBVA reach out after XXXX, ( who is my case manager for complaint XXXX of CFPB ) got a hold of them for my first complaint regarding the bank error missed payment fiasco. This BBVA representative told me the check would be mailed as it was the banks error, and that portion of my complaint was resolved. This BBVA representative also informed me that because my card accounts ( both of my credit cards ) were closed due to this bank error that she would assist in reopening my card accounts. I received a letter in the mail dated XX/XX/2021 that effective immediate my credit card accounts would be reopened ( I have attached this letter ). However one of my card accounts is still " closed '' and the other is still " blocked ''. 

I have called BBVA everyday since receiving the letter and all departments and all representatives tell me they have NO IDEA what is going and they are unable to help me. They transfer me to general help, fraud department, and recovery departments. None of these people know what's going on with my accounts and therefore can not reinstate/reactivate/ or mail me new cards. I have attached screenshots of my phone calls with the banks and the long hours I have spent dealing with their representatives that can not and do not help me. 

The initial bank representative that reached out to me gave me a call back number of : XXXX but no one answers in calling back and I do not have a representative 's email or case manager. 

All I want to do is be able to use the credit cards that I opened, their numbers are as follows : XXXX & XXXX
Product: Debt collection

his is in reference to a prior complaint ID # XXXX The company Nelson Cruz & Associates has refused to provide the documents that I have requested. I have requested debt validation to prove they have ownership of the debt along with a bill of sell between them and the original lender who the debt was bought from, and they have not given any of these items nor a 1099-C. The company has not proved when the debt was taken out to pursue action against me. The first complaint was sent the XXXX of XXXX XXXXSince the last complaint it seems that the company is retaliating against me. I looked at my credit report and it showed they removed the account then turned around and reopened it now showing as an open account on my credit report. A collection account can not be an open account. They are also reporting payments on the account as if they are missed and made which are incorrect dates that are stating data unavailable, some are stating collections, then some state no data for this period, then go back to stating collection. This is a violation on them, and they need to be held accountable for the wrongful actions in reporting false information on one 's credit report damaging credit, preventing a person from being able to move forward with building their credit. They are reporting inaccurate information on my credit report which is fraudulent. My next step is making a complaint to the IRS for further help with this company. I am also speaking with my attorney this week for his legal advice to see if either he or I need to pursue further. If further information needs to be provided in reference
Product: Credit reporting or other personal consumer reports

I have made repeated attempts to address the fraudulent, inaccurate, and misleading information present on my consumer report, but the issue remains unresolved. The inclusion of these erroneous items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to emphasize that I did not authorize or consent to the association of this information with my name, as I have been a victim of identity theft.
Product: Checking or savings account

On XX/XX/XXXX, I have tried to load money into my XXXX prepaid debit account from my XXXX XXXXXXXX XXXX XXXX. I followed this process because such transaction is allowed by the terms : XXXX XXXX XXXX  Specifically : " How do I add money to my XXXX account. Debit card You can add money to your XXXX account by linking and transferring from an external debit card. '' After third attempt to add funds, my XXXX account was locked. 
I have received the following email from XXXX : " For security reasons, your XXXX Account and card have been temporarily locked. For more information, please call us immediately at XXXX available 24/7. '' I have called 4 times, trying to unlock my XXXX account, but customer service representatives were giving me constant run around. 
I have later received the following email : " During our recent review of your XXXX  Prepaid Debit Account, we identified Account activity that we believe violates the terms of the XXXX Member Agreement. 
As a result of such activity, and pursuant to Section 22 ( d ) of the XXXX XXXX XXXX, your Account and your Account privileges have been permanently suspended. '' I have followed all processes and was doing something that is advertised, yet when my account was locked, I got no help from XXXX. 
I have also XXXX  prepaid account. It was also automatically locked.
Product: Credit card or prepaid card

After getting an annual membership fee for a BJ 's card, I tried to find my credit card I realized I don't have one. I don't remember ever having it. 
I tried to call BJ 's to ask about it and cancel the membership but, because I didn't have the credit card number, I couldn't get through the voice prompts. I tried several times over a month. I've probably spent 5 hours on the phone over the course of 2 months, just trying to get through to someone. 
I finally, reluctantly paid the late fee in the next bill because I hadn't been able to talk to anyone about it. 
I kept on trying to get through to BJ 's to tell them I needed to cancel their card, and my membership. 
It took several more days until I spoke with someone from another country who assured me it was cancelled, and I didn't have to pay anything more. 
I just got another late fee from BJ 's. I still can't talk to anyone because I don't have the credit card #. Again, I've talked to people in another country who have passed me on to the wrong place twice and I waited another 1 hr. I am frustrated and refuse to pay another late fee for a card I don't have, and was told was cancelled, and which I already paid one late fee for. 
I am fed up and angry that I can't talk to a human. I will never deal with BJ 'S again. I want any late fee reports from BJ 's or Comenity bank removed due to this impossible situation.
Product: Credit reporting or other personal consumer reports

I was examining my Transunion Credit report and notice some fraud inquires on my credit report that I did not authorize. I think this was an attempt to commit fraud and should be deleted from my Transunion credit report Inquiry details 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX24
Product: Consumer Loan

In the year XXXX got a financed car and to have a new credit I approved a financial in New York by " Condor Capital " always pay my payments a day, but already for XX/XX/XXXX that vehicle sold and when approached the payment date call the financial to notify you the cause of the late pay of my payment for that month they told me that I would put a note in the system, next month still Bank that would finance you vehicle to whom I sold it had not approved the loans but had asked the news who had my loans, that gave them to understand I knew that there was a process of actual sales. The process of closing hard 3 months because it was a personal loan was paid entirely to my Bank and my complaint is that they I reported on my credit late pay for the 3 monts XXXX and think not just because knew the situation and was to pay them.