23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a collection letter from Wakefield and Associates , Inc., XXXX XXXX XXXX, XXXX. XXXX   XXXX, XXXX, TN XXXX, that money was owed to an entity which goes by the name of XXXX XXXX XXXX XXXX XXXX XXXX, located in XXXX, TN -- an entity with which I have never had contact with or heard of until receipt of a collection letter on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items on my credit report are from unauthorized use of my social security number and card. I did not authorize these accounts and inquires to be taken out in my name nor do they relate to anything I did as I am unaware of any of this. I have attempted to contact the reporting agencies in multiple attempts with no success of having these items removed. These inquires are hindering me from obtaining a substantial credit score required to purchase a home. 

XXXX XXXX Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Data XXXXXX/XX/2021
Product: Credit card or prepaid card

This is complaint about PayPal company that advertised that they are there to protect consumer when making purchases and processing payments through them. During the last six months I have made several purchases from different places paying with PayPal only to see a chain of issues for not getting merchandise to getting something different, they have refuse to resolve disputes and in most of the cases I had to escalate dispute to XXXX XXXX due to the lack of response from PayPal. Today I contacted them after I have filed two disputes for a purchase made on XX/XX/2021 and like they are making a great exception they offer me a voucher for the same amount of purchase to use in a future purchase to which I refused knowing that I will not use PayPal going forward due the history of poor customer experience. I rather try to contact one again XXXX XXXX and open another dispute through them to try to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Consumer Center in accordance with the fair credit reporting act Lexis Nexis Consumer Center has violated my right. 

I'm not sure what legal authority LexisNexis Consumer Center have disclose this, when i contacted the court, i was notified that they do not check, verify, furnish allow, or share any public information with you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally complain about unauthorized hard inquiries made on my credit report by the following entities on XX/XX/2024 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- These hard inquiries appear on my credit report without my knowledge or consent, and I did not authorize any credit applications or services from these companies. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries can only be made with the explicit authorization of the consumer or for a permissible purpose defined by law. These inquiries do not meet these criteria and, therefore, must be removed from my credit report immediately. 

Additionally, under FCRA 15 U.S.C. 1681c ( a ) ( 2 ), credit bureaus are required to report accurate information. The presence of these unauthorized inquiries is a clear violation of this provision, as they inaccurately reflect my credit activity. 

Furthermore, under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information on my credit report, and the credit reporting agencies are required to investigate and correct any inaccuracies within 30 days. Given the unauthorized nature of these inquiries, I demand their immediate removal from my credit report. 

Failure to address this matter promptly will result in further action, including the possibility of pursuing legal action for damages under FCRA 15 U.S.C. 1681n, which provides for penalties for willful noncompliance with the Act. 

I request that you take immediate action to remove these unauthorized hard inquiries and provide me with written confirmation that they have been deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute XXXX to remove already paid medical account that collector shows a balance less than {$500.00}. Account has been paid, but collection shows under {$500.00}, so it should not be on credit report. It was previously removed when under {$500.00} medical accounts were removed at the start of 2023. Nothing has changed on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THE INDIVIDUAL WHO WAS ABLE TO OPEN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT FILE BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Product: Credit card

I am requesting that the CFPB assist me in getting Bank of America to make good a " stale '' check for {$1400.00} that the MBNA credit card company mailed to me in XXXX and that I then promptly misplaced for ten years. I probably thought then the small perforated letter was on the order of a notice of my pin number or a {$2.00} rebate check. Bank of America bought MBNA in XXXX. I contacted Bank of America in XXXX and they did nothing worthwhile, either at the bank branch or over the phone. Neither MBNA nor Bank of America sent the money to the Abandoned Property Fund in New York or Delaware. 

I spoke by telephone with XXXX XXXX of Bank of America on or about XXXX XXXX, XXXX about this matter. She telephoned me. She works at the XXXX dealing with " underwater '' mortgages. She was of no help, not her job. 

I am requesting that you try to get Bank of America to make good on this MBNA bank check. I ca n't figure out why the finds on this uncashed check did not go to the New York Abandoned Property Fund, which would have saved me a lot of trouble. 

Thanks for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure how this happen but I personally took care this with another company that called me XXXX and XXXX on behalf of XXXX XXXX bank. How is this still showing on my credit report with a balance? Why is my credit report has an error where is not showing what company XXXX XXXX sold to. I believe this is an error and federal and state violations under the Fair credit reporting laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. The list 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 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  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 an 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 conviction of crimes which antedates the report by more than 7 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: Debt collection

In accordance with the fair credit Report act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

See attached. I challenged this through my Congressman and XXXX has admitted the error. I need you to redact the XXXX collections from my account ASAP.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a customer.
Product: Vehicle loan or lease

My contract was breached. My lien holder filed bankruptcy an sent debt to a debt collector by the name of west lake portfolio. When I never miss not one payment. They trying to double my payments from 74 month to 151 months. Its not right an its Unexceptable. I never signed a contract with Westlake portfolio. This whole time usauto knew they couldnt sale cars because they license was voided in XXXX. So why was they able to sale me a vehicle in XXXX. They filed bankruptcy because they money that I worked hard for my money an my payments WASNT paying off the loan it was going in there pockets. Everything about this situation is wrong. Please help!
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 at XXXX a transaction amount of {$350.00} was processed through CashApp through my XXXX Debit Card ending in XXXX for the above fraudulent amount I did not process this charge. I did not approve of this charge and do not know who the recipient of said charge is. Have XXXX clue or dealings with the individual.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and this report is being composed by me. According to the consumer laws, the accounts listed here should not be furnished on my consumer report as they are in violation under XXXX XXXX code XXXX ; Permissible purposes of XXXX XXXX ( a ) in general subject subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ; ( XXXX ) By the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my written consent and instructions to report anything on my consumer report which violates my rights to the federally protected consumer. No consent is identity theft. As a consumer, I am demanding the deletion of these accounts in this report immediately. It's annoying lastly, according to XXXX XXXX XXXX consumer reporting agencies have assumed A vital role in assembling and reevaluating consumer credit.
Product: Credit reporting or other personal consumer reports

i took a look at my report and noticed these fraudulent accounts on my report, please remove them from my report it is hurting my ability to obtain credit thank you.
Product: Vehicle loan or lease

I purchased a new vehicle on XX/XX/2022, financed by Truist through the vehicle dealership. I then refinanced the loan using my personal credit union. The disbursement of the loan payoff amount was made by my credit union on XX/XX/2022 in the amount of {$34000.00}. I also obtained new GAP insurance from my credit union for the refinanced loan. 

Then, on XX/XX/2022, the dealership mailed a refund check for the pro rated premium on the GAP insurance I had taken out on the original loan. This check, number XXXX in the amount of {$530.00}, was made payable to Trust Product Refunds and mailed to XXXX XXXX XXXX, XXXX, NC, XXXX. The check was cashed by Truist, as evidenced by an image of the cancelled check provided by the dealership. Based on the dates of the payoff and GAP refund, I believe that Truist deposited the GAP refund *after* my loan was paid off, and therefore I should have a credit balance with Truist for the amount of {$530.00}. I can not access my online account with Truist and my access seems to have been cut off once the loan was paid off. Because I opted for electronic statements, I can not verify the final statement showing the payoff amount or any credit balance. 

I have tried calling Truist at least 4 times, each time taking up to 10 phone calls to reach someone who was able to take down my information and promise to follow up. None of those calls have resulted in someone calling me back, and therefore I've had to start the process all over again. 

Unless Truist can show that the {$530.00} GAP refund paid by the dealership was applied to my loan balance, I expect to receive a check in the same amount from Truist payable to me. It is now 4 months after the refund check was deposited by Truist. This is unacceptable customer service.
Product: Checking or savings account

My Husband of XXXX years passed on XX/XX/XXXX and Webster Bank will not accept my Probate Degree Without a Proceeding in order to access the money in my late husbands checking and savings account. 

His estate was under $ XXXX so Probate issued a Decree without a Proceeding. Webster Bank wants an appointment letter. In order to get that, my attorney would need to open the open the claim and file a Small Claim which is not required otherwise. That would cost me $ XXXX which is more than the money combined in both accounts. XXXX had a will that left everything to me. I was an authorized signer on the checking account that was opened in early XXXX. I have full recollection of XXXX having me sign the papers. I have written and signed checks from time to time ever since the a account was open. Webster claims I am not listed as a signer. 

Can you help me access the money and close the accounts.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a mortgage loan with XXXX XXXX who works for Fairway independent mortgage corporation in late XXXX. He assured me my loan was in good standards while my house was being built. XXXX ran 4 hard inquires on my credit and I also paid {$2600.00} down towards my earnest. Within 3 weeks of closing, I reached out to XXXX about my loan process and he stated that he will start working on it. XXXX negligently lied to me that my loan was being processed for 3 months when he actually didnt actually start processing it until 3 weeks before closing. XXXX then tells me that since he didnt lock in my loan rate of XXXX in XXXX my new interest rate would be XXXX which significantly increased my monthly mortgage rate. He also told me I needed to have an additional $ XXXX in 3 weeks to go towards my down payment at the time of closing. His negligence ruined my life! I changed my whole life around the lies XXXX told me about my loan. I enrolled my son into the elementary school zoned to the new home and I also changed my youngest sons daycare facility as well. XXXX told me it would be okay to put in my 60 day notice at my current residence and now my children and I have no where to live due to XXXX negligence. XXXX homes also refuses to refund my earnest money of {$2600.00} since I no longer can have the home. This entire process has caused me so much stress and tears.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting out that never paid for a check in the amount close to {$340.00}?? to XXXX XXXX. I requested my consumer report and it lists no information found. The only reason I found out about the information is while opening another account my bank shared the information. I do believe it is from when I had a vehicle loan with XXXX XXXX  over 4 years ago. A check may have been returned at one point, however, it was immediately paid when the issue occurred. Therefore, there is no reason it should be reported as bad debt. I then refinanced that loan with my current bank and it would have been paid when the refinance occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received a charge for {$660.00} from XXXX that I didn't authorize nor was under my name. 

I discovered it on XX/XX/XXXX and filed a dispute with my bank ( Citibank ), for which they provided me a credit. 

On XX/XX/XXXX, the credit was reversed, and the bank claimed that the charge was actually authorized. I don't know who got my card information because I didn't authorize any transactions from XXXX on my account, I already spoke to the merchant and I thought speaking to the bank would be a solution ; unfortunately Citibank lacks quality when it comes to Customer Service over the phone, and they're not able to provide a solution. 

Please help me get this fixed and my money back. 

Thanks.
Product: Credit reporting or other personal consumer reports

I recently review copy of my credit report and notice i had fraudulents account on my credit report.Please remove these accounts from my credit report. they are hurting my ability obtain credit. 

ONEMAIN XXXX : XXXX XXXX, 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint because TransUnion is damaging my buying power and my character. I have exhausted all of my options on getting matters escalated directly with them but yet they have ignored. My Information has been compromised and there has been an account open with XXXX XXXX XXXX  without my authorization. I have contact original creditor and they have a greed and close out the account. XXXX removed the account from my credit on XXXX XXXX and XX/XX/2022 XXXX has removed the account from my credit report. Admission is to deletion, the other credit bureaus have removed it then Trans Union should remove it especially because it's a fraudulent account. I have submitted all the proper documentations to them via certified mail which include my identity theft report as well as a dispute letter and out of my proper identification. Transunion has failed numerous of times and has violate my privacy as a consumer. The credit bureaus must report accuracy on my credit report and all accounts should have been properly verified before insertion.You have violated my federally protected consumer rights. Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. Transunion also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified. 
During YOUR investigation period, Transunion REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED. This issue is considered negligence and aggravated identity theft. Keep in mind, I called several times and ask to speak to an executive supervisor in the consumer affairs department but I was also discriminated because of my tone of voice and said I sound like a female Which is unlawful. Im beyond frustrated and I will like to seek remedy.