23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion not able to add a credit freeze after applying online. The website says that a credit freeze is unavailable and to check back or try calling XXXX. 

I tried checking back the following two days with the same result so I called the number provided. An agent who answered the phone took my contact information and informed me that someone would call me back within 3 days.

I believe that TransUnion is required to add a credit freeze to a consumer 's credit file within 24 hours of a request, but this is not the case so I believe they are violating my right to a credit freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted several disputes and have not been responded to and it been 3 months
Product: Vehicle loan or lease

Contacted Toyota Finacial Services ( TFS ) on XXXX  for a payment deferral. Response received from TFS stating deferral was approved and to call customer service to notify of preferred delivery method. Contacted customer service as insteucted and they did not even know that it was aproved. After being transferred at leadt 3 times to different agents, I was told to wait 48-72 hours and that document could not be completed electronically neither signed electronically. I requested to speak with Supervisor and was told that there was no Supervisor available. On XXXX I reveived a message from TFS stating the only received 1 page of the deferral and not the one with my signature. Once again, I called customer service and was transferred to 2 different agents that neither was able to help. XXXX ( agent ) was unable to locate my account using first and lasy name. As of today, XXXX, my deferral has not been applied to my account despite submitting executed document electronically and via fax on XX/XX/. It has been a horrible experience and very frustrating because it feels like customer service agents from TFS dont care or are not willing to resolve my matter in a timely fashion. 

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

I am a victim of identity theft, this account XXXX does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for services with XXXX XXXX Ive always had XXXX. My information have been found on the black market/ dark web and is compromised. I even have a fraud alert on my credit report. Ive been trying to get this inquiry removed because I never applied for credit with this company.
Product: Credit card or prepaid card

I called to close this account well before my annual fee was to be charged to this card around XX/XX/2022. I was still charged the {$99.00} annual fee even though my account is closed. I dont know how companies can charge a fee like this when youre NOT using their card. On top of this they charge a Maintenance fee of {$12.00} per month! Its almost like a penalty for canceling. Its completely exorbitant and they shouldn't be able to charge these ludicrous fees. 

I called several times and connected with a representative and supervisor on chat and on the phone and they refuse to stop/reverse any of these fees. There is no way I can keep my credit in good standing or get back to good standing if corrupt companies keep charging these fees.
Product: Credit card or prepaid card

American Express is not fully advertising the terms of the their reward cards that they offer through XXXX in exchange for voluntarily ceding a seat on a flight. XXXX XXXX ( XXXX XXXX contractor ) advertised the 6-month expiry of the funds but did not clarify that, unlike industry-standard Visa and Mastercard gift cards, there is no dispute process whatsoever such that money stolen by theft of the reward card or reward card number is gone forever. This also implicates American Express 's absurd claim that their cards are " safer than cash '' when they will not investigate any fraud and refuse to provide a replacement card unless you managed the memorize the 15-digit number of the card. This makes the cards virtually equivalent to cash and not " safer '' as their advertisement claims. Indeed, I spoke with XXXX XXXX from corporate, who claimed that American Express 's servers do not even verify a security code, an expiry date, a name, an address, or any other information except the 15-digit reward card number when approving a transaction. Not only is this far below the industry standard that Visa and Mastercard provide, but it again makes it laughable that American Express would advertise their card as " safer '' than cash. 
The CFPB should investigate American Express 's deceptive advertising regarding their reward cards. In addition, American Express should, in view of its failure to disclose the non-industry-standard terms of its cards until after I had already received mine, open an investigation into the fraud committed on my card and refund the remaining {$51.00} that I have been unable to recover.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX, XXXX XXXX UNIVERSITY Account number : XXXX, XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I PAID THE DEBT AFTER THEY AGREED TO NOTIFY ALL MAJOR CREDIT AGENCIES AND THEY CLAIM THEY HAVE BUT HAVE NOT XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone : XXXX Facsimile : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX File ID : Original Creditor : Original Account : Current Balance : Service Date : XXXX XXXX XXXX XXXX {$0.00} XX/XX/2013 Commonwealth Financial Systems , Inc. Is authorized to resolve the above-mentioned account. 



This shall confirm this debt as " Satisfied '' And you will have no further obligation to the above referenced creditor. We will also notify the XXXX major credit bureaus to delete the above referenced account as soon as possible. 

If you have any questions Or concerns, please feel free to contact me. 












Sincerely, XXXX XXXX XXXX XXXX Ext. XXXX Manager This is an attempt to collect a debt, by a debt collector, any information obtained will be used for that purpose. 
This letter is subject to receipt of payment total. If made, this letter serves as authorization to remit said payment. If payment is voided or offer not accepted/completed by dates listed above, CFSI is not obligated to renew the offer. 


Email Account Manager Give Us a Call Save Contact Information
Product: Mortgage

We are XXXX and XXXX, A new company, Ditech has bought our mortgage from Greentree. Since then they took extra money held in our escrow acct. that should have stayed there to pay our Property Tax and or our Mortgage Insurance and sent us a check. We did n't realize that this would put us behind later on. Now they have raised our monthly payment. To make matters worse we have sent them More than enough extra money in the last 3 to 4 months to put in escrow to take care of the shortage and hopefully LOWER our monthly payments!! NEITHER HAS HAPPENED AND THEY DO N'T SHOW THE EXTRA MONEY WE PAID ANYWHERE ON OUR STATEMENTS!!! IT 'S AS IF THEY HAVE JUST POCKETED IT!!! NUMEROUS CALLS TO THEM HAVE HELPED!! 
WHAT CAN WE DO? WHO CAN HELP? DO WE NEED AN ATTORNEY OR CALL THE LAW IN AS IT SEEMS LIKE WE ARE BEING EXTORTED!!! 
PLEASE CAN YOU HELP US???
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : 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 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: Debt or credit management

My personal information was impacted by the EQUIFAX data Breach
Product: Checking or savings account

In XX/XX/2022 I submitted a power of attorney from my son to have him added to my account so that I could handle his finances. It was returned 3 days later because the notary had not signed it. My son had it redone and I resubmitted it in late XXXX. On XX/XX/XXXX it was declined. The reason given was it was a statutory POA and not a durable POA. They are mistaken because the same POA was used to add another child of mine to my account. Also the POA submitted was drafted in a federal institution and notarized by a federal notary.On XX/XX/XXXX I went to the main branch and spoke to XXXX XXXX. He called the legal dept for PNC. We were placed on hold for about 10 minutes. When the young lady came back on the phone she said she thought she knew what the problem was and that the power of attorney had been submitted incorrectly. She asked him to resend it which he did, And he told me to give it 3 business days for a response After 5 business days I contacted him and he told me that it had not been responded to and to wait anywhere from 7 to 14 business days more. I have been calling off and on since then and each time I'm told there has been no response ... until today. I was read the same reason again from the same letter dated XX/XX/XXXX meaning they still have not responded to the power of attorney that was submitted XX/XX/XXXX. This is totally unacceptable and totally unprofessional for me to have been waiting for someone to do something for 4 months that should have only taken 4 days. This is very shoddy banking practices at its finest. I don't feel that I should have to change banks. I feel that P & c bank should have to do their jobs.
Product: Debt collection

CKS Prime is attempting to collect a debt that I do not owe, they claim that they are an assignee of a creditor that I owe money to however I have never signed any agreement that stated that they were an assignee. If this company believes otherwise then I demand that they show proof that I agreed to them collecting. If they can not then they are attempting to collect a false debt which violates the FDCPA.
Product: Prepaid card

I contacted my sponsor about account sponsor told me to contact Bof and tell them back date claim from further dates which they stated should have done with first claim they then addressed the claim back darting from XX/XX/XXXX tell XX/XX/XXXX how ever I was told by multiple supervisor I would receive my provision credit with in ten days so I made living arrangements because Im homeless however they did follow guidelines claim is one whole claim but it has been separated to look like many it un ethical for this matter to even take place fdic says my money is insured up to XXXX so where are my grantees from this bank
Product: Debt collection

Continuous attempts to collect an unverified debt after agreeing to remove from credit report.
Product: Checking or savings account

I have sent an wire for house purchase on XX/XX/2023 at XXXX XXXX via my HSBC bank account and they have kept withdrew my account. I learn after 9 days they have hold my wire to recipient for no reason. After speaking and telling importance, how this wire can jeopardize my transaction of house purchase, they assured me they will release it immediately. Today is XX/XX/XXXX and they have not released wire till now and have 0 communication to me, why they have hold the wire. 

I have to stick with non competitive lender because of this transection mismanagement by HSBC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter on XX/XX/2022 but it's been over a month now I still haven't got a response nor have you guys updated the status of the dispute on my credit report. This time I am seeking help from the CFPB with the hope that you're going to comply this time. This error is affecting me so much.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX/XXXX/2025 CONSUMER PORTFOLIO SVCS, INC XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Re : Account Number : XXXX, Dispute of Repossession Record Dear CONSUMER PORTFOLIO SVCS, INC I am writing to formally dispute the repossession record on my credit report pertaining to the vehicle XXXX XXXX XXXX, which was financed through your institution under account number XXXX. I believe that the repossession was conducted in violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), Metro 2 Laws, and the Uniform Commercial Code ( UCC ) laws for car repossession reporting. I kindly request your investigation into the matter and, if warranted, the removal of the repossession record from my credit report.

As a consumer protected by the FCRA, I have the right to challenge any inaccurate or incomplete information on my credit report. Furthermore, both the FDCPA and the UCC laws outline specific guidelines for the lawful repossession and subsequent reporting of secured vehicles. I assert that the repossession of my vehicle did not align with these provisions due to the following reasons : Violation of Notice and Right to Cure Default : According to [ applicable state law or relevant section of the FDCPA/UCC ] , it is mandated that creditors provide written notice of default and an opportunity to cure it before proceeding with repossession. Regrettably, in my case, I did not receive any such notice or an opportunity to rectify the default prior to the repossession.

Breach of Peace during Repossession : The repossession agent engaged in actions that violated the " breach of peace '' provision as outlined in Section 9-609 of the UCC. They used force such as unauthorized entry into a secured premises or use of physical force/threats during the repossession process.

In light of these concerns, I earnestly request a thorough investigation of the repossession process, focusing on compliance with the required notices and adherence to consumer protection laws. If your investigation uncovers any violations of these laws, I kindly request the removal of the repossession record from my credit report in accordance with Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which stipulates the provision of accurate information to credit reporting agencies.

To facilitate your investigation, I have enclosed copies of relevant documents supporting my dispute [ if applicable, list specific documents, such as correspondence or proof of payment ]. I urge you to review these materials and provide a written response within the statutory 30-day period, as mandated by the FCRA. Should you require additional information or documentation, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. I anticipate your timely response and a satisfactory resolution of this dispute. 

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

This is my complaint for EQUIFAX. I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of. I found late payments which never happened and accounts with inaccurate information, such as payment history, status,, balances, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I recently reviewed my credit report and noticed inaccuracies related to an account with a company called Kickoff Lending, a service I was previously unaware of. My credit report reflects a charge-off of {$82.00}, including a {$10.00} late payment, which is incorrect. After investigating the matter further, I learned the following : 1. Account Details : This is not a credit card or traditional credit product. When I signed up, {$2.00} was deducted monthly to be placed into a savings account to build credit. I closed this account after one year.

2. Unauthorized Charges : Despite the account closure, I was charged a {$24.00} subscription fee and a {$60.00} service fee, both of which were unauthorized.

3. Contradictory Statements : When I contacted the company, they informed me that these charges did not need to be paid and were not expected to be paid. Yet, my credit report reflects a balance of {$84.00}, which has been charged off.

4. Errors in Reporting : It appears the account was not properly closed by the company, unauthorized charges were applied, and incorrect information was reported to the credit bureaus. 

This situation has negatively impacted my credit report and is causing me undue stress. I believe this may constitute fraudulent or negligent activity on the part of the company.

I am requesting that this matter be thoroughly investigated, the inaccuracies corrected, and the negative information removed from my credit report. Please let me know what steps I can take to resolve this issue and protect my credit. 

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

Sincerely, [ XXXX XXXX XXXX Let me know if youd like to adjust anything!
Product: Debt collection

LVNV has contacted me multiple times by mail over the past few months. Each time they have contacted me, I have requested validation of the said debt that they claim I owe. I have kindly requested validation each time I am contacted by them. LVNV has failed to provide me with such proof I requested. On XXXX XXXX I received a generic account summary page and a statement of what LVNV is under the impression I owe. This " validation '' does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Despite my efforts in trying to work with LVNV directly, they proceeded to insert an erroneous negetive tradeline into my credit file. This action is illegal based on the fact they failed to provide me with proper verification of debt on multiple occasions. This negative reporting has taken a serious toll on my credit report and finances in general by impacting my a cess   to reasonable credit terms. This is going to cost me 1,000 's as I am in the process of purchasing a home and this is delaying my approval. This is all due to LVNV reporting an account that they claim I owe money one but in fact I have no idea what the money they claim I owe is for! I have no bad debts and LVNV is attempting to deface my name by reporting such info. LVNV Refernce ID : XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inquiries I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard Inquires on the equifax credit report that are not recognized and I Did not authorize. There is no contact information for me to contact them XXXX. National Credit card companies XX/XX/XXXX XXXX. National Credit Card companies XX/XX/XXXX XXXX All banks XX/XX/XXXX XXXX XXXX XXXX All banks XX/XX/XXXX And one on my XXXX XXXX XX/XX/XXXX
Product: Mortgage

Two payments in the amount of XXXX was trying to be deducted from my bank account and I tried to make a payment, but I did not have sufficient funds so I applied for a loan modification where instead of paying the XXXX now paying XXXX XXXX  monthly, which I did not understand Due to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX continues to drop my score dramastically and only raises it by a few points with good standing. They dropped it XXXX pts for a Revvi false claim. I want my points back
Product: Credit reporting or other personal consumer reports

I have disputed the 4 student loan trade lines on my credit report, or federal student loans with XXXX more than 4 times and received an unsatisfactory outcome. I am a class member of XXXX XXXX XXXX The settlement agreement requires the student loans to be removed from my credit report. XXXX and Mohela continue to update the trade line loan balances every time I dispute and request a deletion.
Product: Credit reporting or other personal consumer reports

Today, I found unauthorized inquiries on my credit report and don't understand why they're there. I checked my credit report as I regularly do, but this time, there were unexpected discrepancies. Refreshing my browser didn't help, as the unauthorized inquiries persisted. Consequently, I'm asking for a detailed review of the documents I've provided to prevent future worries.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX consumer ss # XXXX consumer dob XX/XX/XXXX contents of complaint : This cfpb complaint has been filed to request pursuant to ( 15 usc1681c-2 ) that you, Transunion credit reporting agency , block information/delete information appearing on my consumer credit report that is the result of idenity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate, and false information consist of the following accounts and inquires # XXXX acount # XXXX opened on XX/XX/XXXX balance {$63.00} # XXXX XXXX  acount # XXXX opened on XXXX {$1400.00} # XXXX XXXX acount # XXXX opened on XX/XX/XXXX balance {$510.00} # XXXX XXXX acount XXXX XXXX opened XXXX balance {$18000.00} # XXXX XXXX  account # XXXX opened XXXX XXXX a balance of {$30000.00} # XXXX XXXX account # iqdonxxxx XXXX balance {$5500.00} and the following inquires # XXXX XXXX XX/XX/XXXX # XXXX XXXX  XX/XX/XXXX # XXXX XXXX XX/XX/XXXX # XXXX XXXX  XX/XX/XXXX the accounts and inquires are the result of Idenity theft and fraud.I have attached copy of the FTC Idenity theft criminal complaint # XXXX as proof from the federal trade commission that all the aforemementined consumer accounts and hard inquiries are the result of idenity theftvand fraud.
Product: Credit reporting or other personal consumer reports

I currently have unauthorized inquiries appearing on my credit reports. 
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