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

I rented a car on XX/XX/2017 for 1 day, returning it on XX/XX/2017. The cost of the rental was {$1500.00} with a deposit of {$2000.00}. After several text messages back and forth, my deposit was refunded to me in full on XX/XX/2017. On XX/XX/2017 a charge for {$7100.00} was charged to me with the comment of " damages ''. I eventually received an invoice from the car rental company showing what the amount was for, which I believe to be fraudulent. American Express originally stated that I acknowledged the damages due to my signature being on the receipt, however the " damages '' line was added in well after the fact, and I never accepted them. 

The invoice that the car rental company provided shows 3 items : parts for a mechanical issue, labor, and loss of use. This was dated XX/XX/2017 ( when I was originally charged the {$7100.00} ). However the receipt they provided to Amex has my signature dated XX/XX/2017 ( the date the vehicle was picked up at my hotel ). It's not possible for the rental company to have determined all of these costs at the hotel and for me to have acknowledged and signed for them. They would have needed a mechanic to do this and I wouldn't have known the final amount until several days later. It's just not possible for them to have seen these issues, known the cost of parts and labor and loss of use while picking the car up at the hotel. I watched him drive the car off in perfect condition.

That said, American Express encouraged me to work with their car rental claim department on this ( my rep 's name was XXXX XXXX ). She was unable to receive any documents from the rental car company and continued to escalate internally within American Express. Amex told the claim department that they agreed that it was fraud but could not do a charge back since too much time had passed, and therefore I am out of luck. You can see my exchanges with the car rental claim department in the attachments as well as my original dispute documents with this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items. Please do so, to comply with FCRA section 611 which requires all reporting to be XXXX XXXX accurate. 

XXXX XXXX XXXX2022 XXXX XXXX XX/XX/XXXX2022 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: Student loan

On XX/XX/19 I am still enrolled in school and Sallie Mae wants me to pay for my loan and has attempted to collect money while I am still a student
Product: Credit reporting, credit repair services, or other personal consumer reports

I got this loan a while back, not sure on the exact date. Somewhere in XXXX of 2020. I have paid off the entire balance of the account ( I will attach evidence of this ) and it is still marked as derogatory on my credit report.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of incorrect accounts from my credit report. Could you look over the documents? Some listed accounts are inaccurately reported with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am submitting this formal dispute regarding the account listed on my credit report as follows : Creditor : XXXX XXXX Co. 
XXXX XXXX : XXXX XXXX : {$1700.00} Account # : XXXX This account does not belong to me and appears to have been established fraudulently as a result of identity theft. Additionally, it is impossible for this account to be mine because at the time this account was allegedly opened, I was XXXX on XXXX XXXX in XXXX, XXXX. 

Description of What Happened : I discovered this account on my credit report and identified it as fraudulent. The account was not authorized, created, or used by me. To address the situation, I have taken the following steps : Reported identity theft to the Social Security XXXX ( XXXX ), which issued me a new Social Security Number ( SSN ). 
Reviewed my credit report to confirm this account does not belong to me. 
Disputed this account with credit bureaus to ensure its removal. 
Additional Supporting Details : At the time this account was opened, I was XXXX on XXXX XXXX in XXXX, XXXX, and could not have applied for or opened this account. I have included documentation of my XXXX to corroborate this fact. 

Amount in XXXX : The account reflects a balance of {$1700.00}, which is not my responsibility. 

Actions Taken by Me : Reported the identity theft to the XXXX and obtained a new XXXX to prevent further misuse of my information. 
Filed disputes with the credit bureaus regarding this account. 
Sent a formal request for the removal of this fraudulent account from my credit report.
Product: Checking or savings account

Dating back to about XXXX XXXX my acct was charged excessively. After coming back from an international trip XX/XX/XXXX th I seen small charges in increments. Then XXXX and XXXX XXXX started with taken money out of my acct Dear CFpb, I am writing to file a formal complaint against Bank of America and XXXX regarding the frivolous charges and lack of consumer protection I have experienced with my account over the course of one year. I believe that both Bank of America and XXXX have engaged in predatory practices that have resulted in significant financial losses, totaling at least {$5000.00} within the mentioned timeframe. I could have invested money on Public and private markets and would like a full scope into Bank of America. 

As a customer of Bank of America, I have always relied on the institution to handle my financial affairs with transparency and integrity. However, during the period in question, I have encountered numerous charges on my account that I can not comprehend or justify. Despite my efforts to seek clarification and resolution, I have been met with inadequate explanations and a lack of assistance from Bank of America 's customer service representatives. 

Furthermore, during this time, I have noticed a significant increase in the number of fraudulent or misleading reviews on XXXX, a platform that I have relied upon for making informed decisions about various businesses. These reviews have led me to engage with establishments that have proven to be untrustworthy or have charged me for services that were not rendered as promised. It is evident that XXXX 's lack of consumer protection measures has allowed for the proliferation of false and misleading information, leading to financial harm for consumers like myself. 

I am aware that there was a class action lawsuit against Bank of America during the same period in which I experienced these issues. This further highlights the systemic problems within the institution and the urgent need for intervention to protect consumers from predatory practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate the actions of both Bank of America and XXXX in relation to my complaint. I believe that these entities have violated consumer protection laws and have caused significant financial harm to me and potentially many others. 

I would appreciate your guidance on the steps I should take to seek compensation for the losses I have incurred. Additionally, I request that you keep me informed of any updates or developments regarding the class action lawsuit against Bank of America, as it directly relates to my experiences and the issues I have outlined in this complaint. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address the predatory practices of Bank of America and XXXX, and to ensure that consumers are protected from such fraudulent activities in the future. I look forward to your prompt response. 

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

Excessive Credit Pulls from the same company. 

Spoke with XXXX XXXX XXXX they confirmed XXXX XXXX XXXX XXXX XXXX pulled my reports in access of 6 times. They have completed investigation and requested inquiries be removed. hese are still showing on my bureau. They agreed there is no reason for multiple pulls in 24 hr time span. 

Credit Bureau used Equifax & XXXX dates pulled XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX did not have the authority to continue to pull my report multiple times in a few days. Date on the application was XXXX XX/XX/XXXX. They were not authorized to continue to pull. 

Please remove inquiries from my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received paper bill statements through the mail from XXXX XXXX  and was changed to " electronic bills '' without my expressed consent or knowledge. I was in FL over a month with my XXXX ( now passed ) grandmother in XX/XX/XXXX, my partner informed me of all received bills. XXXX  wasn't one, so I was unaware there of a ~ {$40.00} balance and late fees along with locking the card because it was 2 days late. I called, was told the balance and paid immediately. The rep removed the late charge and told me it shouldn't be an issue after the explanation and since I had the card almost a decade with no issues. I received a notice stating I was reported to all 4 credit bureaus. I called and was told to write, which I did on XX/XX/XXXX. I received a response on XX/XX/XXXX stating they investigated and are correct. I called on XX/XX/XXXX and spoke with a supervisor at XXXX XXXX and requested when the paperless billing was approved by me but he couldn't find a date. He stated there is nothing he can do. My credit score dropped from the XXXX by XXXX points due to XXXX XXXX doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

would like my report since i was denied credit
Product: Credit reporting or other personal consumer reports

Dispute Regarding Inaccessibility of Credit Report and Pending Dispute with TransUnion Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against TransUnion regarding my inability to access my credit report online and initiate a new dispute. Despite multiple attempts, I have been blocked from viewing my report and told that I can not begin another dispute because of a pending dispute.

This situation has left me unable to verify the accuracy of the information being reported or to address errors in a timely manner. I believe this may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers have the right to access their credit information and dispute inaccuracies.

To resolve this issue, I have contacted TransUnion directly but have not received a satisfactory resolution. Therefore, I am seeking your assistance in ensuring that TransUnion complies with FCRA requirements, allowing me to access my credit report and address any inaccuracies promptly.

Please advise on the next steps I should take to rectify this situation and ensure my rights as a consumer are protected. 

Thank you for your attention to this matter. 

Sincerely, AB
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Bankruptcy - XXXX XXXX - XX/XX/year> XXXX - XX/XX/year>
Product: Mortgage

I did paid off my mortgage loan XX/XX/2020 and the promis me reales lien on my prperty in 2 months, I did check my county property record and there is no realase, please see attached documents, thank you XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX LOAN XXXX SS XXXX XXXX XXXX Bankruptcy Account Specialist I | The Huntington National Bank XXXX Phone : XXXX | Fax : XXXX | XXXX XXXX
Product: Debt collection

Once again, Machol & Johannes has failed to send me the paperwork required by Colorado state law. They garnished my bank account on Monday, XX/XX/XXXX. By Saturday, XX/XX/XXXX - MORE THAN A MONTH LATER - they still had not sent the proper notification and exemption form so that I could fight it in court. Now the deadline has passed.
Product: Credit card or prepaid card

We made an error paying our Wells Fargo credit card and overpaid them by thousands of dollars. On XX/XX/XXXX, we contacted Wells and explained the issue before the payment processed. We were told our funds would be returned in a few days. About a week later, we called again. The date of refund was changed to 10-11 days. On XX/XX/XXXX, we were told it would be up to 30 days. We decided to close the account that has more than {$8600.00} credit balance in an effort to expedite our refund. A supervisor told my wife they would call us later that day with refund status and we could close the account at that time if we still desired. We still have not heard from Wells Fargo and no one can tell us when we will receive our refund.
Product: Credit reporting or other personal consumer reports

I am writing regarding a debt that you claim I owe, referenced by the account, XXXX XXXXXX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ) this account is reported on my credit report balance owed. This account has been transfer, sold to a collection agency. Therefore, you are continue to report inaccurate information on this account. My right as the consumer you are harming my credit score and creditworthiness. If you can not verify this account accurately as by the federal law I will seek legal assistance.
Product: Vehicle loan or lease

We moved from XXXX XXXX XXXX and contacted Chase Auto finance to start the title transfer and registration process in XXXX. We started in XXXX to ensure that the vehicle was legally registered prior to the tab expiration XX/XX/23. We have reached out to Chase Auto, Chase corporate and Chase Consumer Resolution team for the appropriate documentation. We have received documentation XXXX times that is incorrect / missing or not completely filled out by Chase and now the vehicle plates are expired. In MO your vehicle can be immediately impounded if you are pulled over with expired plates. I need my car to get to work. We need help. We continue to pay on the vehicle that we are risking being towed and impounded.
Product: Credit card

My credit card has been lost. Proof was presented to Wells Fargo that this was an unauthorized misappropriation of the transaction. 
Wells Fargo did not handle the theft and did not return the stolen amount to me. | Wells Fargo caused my loss. 
Please ask Wells Fargo to return the amount of my money that was stolen. 
Thank you.
Product: Credit reporting

Experian is reporting a Department of Education school loan that the Estimated date that this item will be removed is false, and does not correlate with the date placed for collection. Per the FCRA, incorrectly reported information must be removed. I have disputed it and sent documents to prove it but they refuse to delete the account
Product: Debt collection

I wish for the company to fully verify this debt with all original documents from the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not create an account on XXXX and TransUnion I do not have a smart phone and need one to get into these companies. 
I did my best to verify my ID and it's still not good enough when I pass security questions. I also tried to buy services and could not buy even with my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to the credit bureaus because of several inaccurate information from on credit report and they haven't answered
Product: Debt collection

Didnt give me any information about the debt except that I owed them because XXXX didnt cover my full amount. She said that " I owed them two separate amounts, XXXX XXXX and XXXX XXXX  '' she didnt explain what either of the debts were owed for. she told me that they would settle for XXXX XXXX XXXX I didnt agree with it and she forcefully told me that she would take the deal if she was me and that shes going to mark my account that i have one day to pay it. I initially tried to dispute it and she told me that i couldnt do that. This was just an XXXX ridden situation with Revco Solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim identity theft. I tried to work with the creditor back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/fraud attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the account. I have sent a letter to the creditor on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks  already. Equifax has not responded to my request nor have they removed the remark. XXXX and XXXX have both responded and both removed the negative remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX  and Equifax to provide me the Date of First Delinquency with the original creditor because it was not provided and for XXXX  and Equifax to please provide this requested information and In the event that they can not verify the details and/ or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this date as well as the manner in which it was provided in order that I may pursue additional remedies. XXXX  and Equifax just updated or modified the information and did not provide me with the requested information. XXXX  and Equifax are in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) and for knowing violations of the Act.

Experian and Equifax failed to provide me the requested documents and in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) and for knowing violations of the Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two mortgage accounts that are reported to the three credit reporting agencies under XXXX account number XXXX and XXXX from XXXX/XXXX/XXXX. Those two accounts where paid in full and the accounts were closed on 2012. The accounts are reporting as joint accounts. However, there are late payments reported. Those two accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the three credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to XXXX XXXX and Equifax, and to this day they keep responding that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to XXXX.
Product: Credit card

I have submitted multiple requests ( via certified mail ) for validation of the debt being reported as a derogatory account in my credit file by CITI/CBNA using acct # XXXX ( as shown in my credit file ), in which CITI/CBNA reports in my credit file that I owe {$3300.00}. I have no knowledge of this account and have disputed the validity of the derogatory information being reported to the credit bureaus. I have requested that CITI/CBNA validate the account as being mine, which they have failed to do and have not responded to any of my repeated requests. I have attempted to assist CITI/CBNA with correcting their records to ensure they cease and desist the reporting of erroneous information to the credit bureaus. None of my requests have been answered, and I have not received a single reply from CITI/CBNA regarding this account, but the account shows as verified on my credit report after contacting the credit bureaus about it.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX Someone tried to open a credit acc without my permission XXXX Someone tried to open a credit acc without my permission XXXX XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX  Someone tried to open about 5 loans without my permission XXXX XXXX I have more then XXXX inquiry from them Exeter finance llc Someone tried to open about 5 loans without my permission XXXX XXXX me I was told about XXXX lies on a car I was trying to purchase they said I could get the car with XXXX k down but then said I had to put XXXX XXXX down which is misleading and fraud Some of these car loans places wouldnt approve me without a co signer. After they said I could get one and be approved they lied about that cause I still didnt get approved for the loan at all once I acquired the co signer My bank which is XXXXXXXX XXXX lied said I couldnt get a loan but I talked to someone and they said they didnt have a problem getting approved with their new credit and just starting off which means misleading info and prejudice XXXX XXXX XXXX XXXX which is also my bank did the same thing mislead information to me