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

EXPERIAN XXXX AND XXXX are harboring information that they won't remove ranging from 3 different collections and several inquiries that I have told them over and over that I did not do. I sent in these letters and they did not do anything or provide and deletions or updates for the information. this is ironic as I also mailed the three collection companies and they did not respond to my mail either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX Balance {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report and these inquiries remain on my report after explaining several times that these are not valid. The credit report showed credit inquiries that I didnt authorize. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity. Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I purchase an vehicle from XXXX XXXX located in XXXX Va, My contract was for buy here pay. However I received a Welcome letter from XXXX XXXX on XX/XX/XXXX staying that they have brought my account from XXXX XXXX. I never signed any documents nor does it says in my contract that XXXX XXXX can sell this vehicle without my premission. I check my credit on XX/XX/XXXX. I see that I have a car loan financed from XXXX XXXX open on XX/XX/XXXX. I called this company several of times, I can not get any information they keep telling me to call XXXX XXXX. This company has lied to me and reported inaccurate information on my credit report.
Product: Checking or savings account

I opened an accelerate savings account with Citi Bank on XX/XX/2023 in response to an offer that I received via email. The account is a joint account with my husband and it was opened over the telephone with an account representative, the opening documents were signed electronically by both of us. Upon review of our first statement, I discovered that XXXX was taken out of our account for federal withholding tax, I called citi bank to see why this occured and I was told it was because they didn't have a W9 on file and that I would have to complete this and mail it in, they do not allow this form to be submitted via email or fax. I explained to them that I am not comfortable sending my name, address, and social security number through the mail. I spoke with 6 different individuals regarding this matter on XX/XX/XXXX & XXXX, XXXX. I called last night ( XX/XX/XXXX ) to see if I would be paid the {$150.00} bonus they were offering if I didn't submit the W9 and I was told that I would not receive the bonus without them having a form on file. I reside in Michigan where there aren't any Citi Bank locations for me to drop a form off at, I requested my account to be closed on XX/XX/XXXX and was informed it would be and to expect a check in XXXX days, which is another complaint that I have, I do not understand why the funds can't be electronically sent to the bank that I transferred them from. I understand I will now forego the bonus because I closed the account early, but I'm only closing it because of their W9 requirements. When we opened the account over the phone I assumed all necessary documentation would be signed electronically, I was never informed by the account representative that I would have to submit a W9 through the mail. I believe this is terrible business practice and I shouldn't have to jeopardize my personal information to be able to qualify for a bonus incentive offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited a complaint oXXXX XXXX about some improper information reporting in my credit report. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below including my personal information. 
Correct Personal information : Full Name : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Also I uploaded my a picture of my DL and the credit report showing the inaccuracies.

**List Accounts Must be REMOVED** XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A representative contacted me saying I owe this debt from a payday loan but it doesn't show up on my credit reports I tried to contact them the number they called me from is NOT IN SERVICE and they don't have a physical address just po box I asked them to send me a letter saying what I owe they said that their protocol is I can only receive a letter saying what I owe after I paid them the balance stated on the document I uploaded!!!
Product: Credit card or prepaid card

I discovered that there were fraudulent transactions on my account. I had " unusual activity '' checked on my account with PNC Bank for security. The bank never did anything to prevent someone or maybe several criminals from using my account. I never lost or even dropped my bank card. I do not know how they stole the money. I was too upset to add all the money stolen after I realized it was over XXXX. Most of the stealing was done with XXXX online food purchases, and XXXX. All of which I do not have and never did. I do not have XXXX, I do not purchase food online, I do not have XXXX, and I have not been to Maryland or California. I can see the money was stolen in states and restaurants that I never go to or use. If this wasn't unusual activity I do not know what was! I made a police report and a report with the FBI. I placed disputes for all of the money and the bank returned a small portion of it and has a very convoluted and confusing phone process that causes me to get a hold of those that can tell me virtually nothing. In other words, I can not talk to the bank directly about my disputes. I believe that this is done purposely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE GIVEN TRANSUNION ALL SUPPORTING DOCUMENTS TO DELETE THESE INACCURATE ACCOUNTS FROM MY REPORTS, LAST DISPUTE WAS SENT ON XX/XX/XXXX BUT THEY LIKE TO PLAY GAMES AND DO NOTHING ABOUT IT. THEY SAID IN A LETTER THAT THEY VERIFIED, BUT WHEN ASK TO SUBSTANTIATE THEY NEVER DO.. PLEASE HELP ME. I FEEL THAT TRANSUNION IS TAKEN ADVANTAGE OF ME.
Product: Credit card

I was the victim of a scam from an overseas merchant that was selling video games. This purchase was made on XXXX  for {$26.00}. 

The merchant fulfilled the order on the same date, fulfillment consisted of sending a username and password via the online marketplace 's website. This login information did not work and did not provide access to the game. Upon further research, it appeared that the account was likely stolen/hacked as the game did not allow sales in this manner. 

I contacted the merchant on the same date requesting a refund, which was denied. After making this request, my account was banned. Even if the account was working at this time, I would not have access as it has been restricted by the merchant. 

I later contacted Synchrony Bank ( PayPal Credit ), who provided a response on XX/XX/2024, wherein they denied the dispute based upon information from the seller. However, they did not gather any information which verified a working copy of the game was actually provided - simply that a digital delivery was made.

Synchrony 's dispute form was notated that the merchandise was not as described, however, they still denied the dispute based upon merchant 's false delivery report.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

CREDIT CARD XXXX XXXX XXXX AUTHORIZED USER LATE PAYMENT Balance {$1600.00} Balance updated XX/XX/XXXX XXXX XXXX BANK Balance - Balance updated XX/XX/XXXX XXXX BANK AUTHORIZED USER LATE PAYMENT Balance - Balance updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$4000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$14000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  XXXX LATE PAYMENT Balance {$2000.00} Balance updated XX/XX/XXXX XXXX BANK Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXX XXXX  XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX  XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX  LATE PAYMENT Balance - Balance updated XX/XX/XXXX XXXX  XXXX, XXXX LATE XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  XXXX {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$1400.00} Balance updated XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2025
Product: Credit card

I've have paid this account in full and as agreed but the company closed my account.
Product: Mortgage

When I signed the paperwork to get this mortgage I was informed by the loan rep it would never be a problem to renew the interest loan. The Clear Spring was very misleading and they would not allow me to continue with an interest only and advised I would have to refinance which was not what they originally told me when signing the loan.I did receive paperwork for a modification but then they advised they would not live up to what they said they would. The company mailed me modification paperwork and would not accept it when it was sent to them as they agreed it would not be a problem to modify the loan to smaller payments or interest only. I tried several times to work things out with the finance company XXXX and Clear Spring. I signed the loan based on false information given from the finance XXXX and their employees at XXXX who worked there. When I advised them of this in several of my emails from the loan company which I do have copies of no one was concerned about the deliberate false and misleading information given. I am now in default of a loan that is more than 4 times the amount owed with no concern from the original lender who has deliberately mislead me into a loan that they knew they were never going to renew without a refinance due to personal opinion and not due to payment history. Let the record show that during the interest only period I was never late until the original lender increased the terms and refused to live up to what they advised also the finance company refused to live up to what they wrote in the paperwork sent to renew on an interest only basis. Clear Spring agreed to modify send paperwork then advised they were not going to live up to their agreement.
Product: Debt collection

I do not believe the report that JeffersonCapital has put on my credit report is valid. It is listed as an open balance. I have no debt with Jefferson Capital
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Urgent Complaint Against PCA Acquisitions V , LLC and XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX for Fraudulent Lawsuit and Debt Collection Dear Sir/Madam, I am seeking immediate intervention from the Consumer Financial Protection Bureau due to a lawsuit unjustly filed against me by PCA Acquisitions V , LLC , with legal representation from XXXXXXXX XXXX XXXXXXXX XXXX XXXX . They claim I owe a debt for XXXX XXXX credit card accounts, which were evidently opened fraudulently under my name without my authorization. 

I have reported this identity theft to the XXXX XXXX Police Department ( police report number XXXX, filed on XX/XX/year> ). Despite my efforts to resolve this through legal channels, I am now facing legal action from PCA Acquisitions V , LLC, as represented by XXXXXXXX XXXX XXXXXXXX, aiming to recover the alleged fraudulent charges. 

This lawsuit threatens my financial stability and credit reputation. I request the CFPB 's help in investigating these aggressive and damaging collection tactics, and in addressing the misuse of my personal information in obtaining credit. 

Enclosed are copies of the police report, the lawsuit notification, and communications from XXXXXXXX XXXX XXXX XXXX XXXX. I urgently need your assistance to address and rectify this distressing issue. 

Thank you for your prompt and thorough attention to this serious matter. I look forward to your support in resolving this issue in accordance with consumer protection laws. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I have called numerous times to get the lien release on vehicle which was paid off  XXXX  .17 and t hey stated its there policy too hold the title for 30 days. I have paid the entire loan in full. I am in a chapter  XXXX , but per the attorney, trustee, state of wi, and the financial the loan is satisfied 100 %. They have no rights to my title. Per laws they have to release lien to me immediately and have not.
Product: Debt collection

XX/XX/year> XXXX. Billing Concerns Upon reviewing my invoices, I noticed that I was charged for XXXX separate packages : XXXX for the tummy tuck procedure and XXXX for the XXXX  XXXX Lift ( XXXX ) package. During the initial consultation, I explicitly requested that the XXXX be added as an enhancement to the tummy tuck package, not as a separate package. As a result, I was charged XXXX separate package fees, including XXXX separate {$250.00} deposits. 

Additionally, I noticed an unexpected increase in the price of the tummy tuck from the originally agreed-upon amount of {$4800.00} to {$5500.00}. I was not informed of this price change prior to the procedure, and I feel this increase was not adequately communicated. 

Furthermore, I was charged for the XXXX package, which included services I could not receive, such as the removal of XXXX liters of XXXX. Due to the nature of my tummy tuck, I was only able to have XXXX liter of XXXX removed, meaning I did not benefit from the full offerings of the XXXX package. I should not have been charged for a service I could not fully receive. NOR did I receive XXXX XXXXXXXX. It is my understanding that the XXXX was intended to be an add-on, rather than a separate, full-priced package. 




Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX plan XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXXXXXX
Product: Checking or savings account

I was speaking to them on the phone while asking them for records of my money and withdraw history including a in branch withdraw with the same ID provided for both opening the account as well as withdrawing money. I was then denied the paperworked asked for to be emailed to me. I then asked to a supervisor only to be told that I can not speak to a supervisor. I missed making my rent and also being able to even afford gas or food for my family during this time. They knowingly opened my account, took my money, let me make multiple transactions with multiple verification steps even asking my mothers age and what street i grew up on from public records but then refused to let me close my account or provide a resolution or documentation of the issue.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to address a concerning discrepancy in my credit report related to inaccurately recorded late payments on my accounts. After a thorough review, I discovered these errors, which have negatively impacted my credit standing. Upon contacting the companies responsible for this account, they admitted their fault and committed to correcting the errors by updating my payment history accurately. These inaccuracies were due to a system glitch that led to the erroneous reporting of late payments. 

It is perplexing that while other credit bureaus have already corrected the status of this account, your bureau continues to report these late payments. This inconsistency raises concerns about your bureau 's verification protocols to ensure accurate reporting. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed : XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting

Dear XXXX Staff, I have been in contact with Experian Credit Reporting Agency ever since the first week of XX/XX/2017. I have repeatedly asked them to remove all addresses they have on file that are NOT mine. I have given them my current address and my former address of nearly XXXX years. However, any other addresses that are NOT mine have NOT been deleted. They also have NOT deleted any Credit Inquires that are more than 30 days old. It 's now been over 60 days and they still have NOT deleted these items at my request. I have also asked them to give me their procedures on how they do enter the information in their computer system and they have refused.
Product: Credit card or prepaid card

I discoverd on XXXX XXXX XXXX that my netspend card had been canceled, I tried to use it to make a purchase and the card did not workon XXXX XXXX I contacted NetSpend to find out why my card did not workthey informed me that it had been cancelled due to Tennessee banking XXXX that XXXX told me they would send me a check for $ XXXX I should receive it within 10 business daysafter 5 phone calls and being told several times that it would take 10 more days I still have not received my checkfinally on the 5th phone call they informed me I needed to send verification of my mailing addressI have sent them the required information and still have no reply
Product: Credit card or prepaid card

I made a purchase at a Hilton Garden Inn and did not receive the additional bonus points for putting the purchase on my American Express Hilton Honors credit card.

The company stated in its response to me that the hotel I made a purchase at was not a Hilton hotel and was thus not eligible for the additional XXXX  Hilton points ( for a total of XXXX  Hilton points ). 

However, this absolutely was a Hilton hotel it was the Hilton Garden Inn in the XXXX XXXX, a semi-autonomous region of XXXX. 

I have attached a copy of the bill upon checkout showing the charge of XXXX XXXX XXXX ( XXXX  ) and a copy of the American Express charge details which clearly show the charges description as Hilton Garden Inn XXXX XXXX and which states that the charge [ w ] ill appear on your XX/XX/2021 statement as Hilton Garden Inn XXXX XXXX. 

Therefore please provide the bonus points for this stay as required by the terms of the credit card agreement. 

The reference number for this dispute is XXXX.