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

I visited XXXX XXXX XXXX located at XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX ( ( XXXX ) XXXX. I assisted by sales person XXXX XXXX and the so call Financial Manager XXXX XXXX. I asked Mr. XXXX, how many times my credit would be ran, since I am in the process of purchasing a home and also have id theft on my account. He said your credit would only be run one time. I trusted this manager and now I now is a scam and he lied to me. I have so many credit inquiries on all the three credit reporting agencies and it hurting my credit a lot. I demand they remove all the inquiries and only leave one, as they said. My credit was ran at the following places on different days and the worst part is they ran my credit just a few days apart. 
XXXX XXXX Auto Finance  XX/XX/2019 XXXX Auto Dealer Finance XX/XX/2019 XXXX/XXXX XXXX   XXXX XXXX XXXX XX/XX/2019 AND XX/XX/2019 XXXX AUTO FINANCE ON XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 AND XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX DEALER XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 This dealer does not know what they are doing. They are so greedy to sell a car and they do not care how this affects your credit. I told them what was going on with my credit situation. I forewarned and yet they failed to deliver what was said, not to run my credit more than once. I need this to be removed ASAP, since I will be applying for a mortgage within next 60 days.
Product: Credit reporting or other personal consumer reports

Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates i sent a letter to reinvestigate these accounts listed below because ( collection ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ( collection ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ( collection ) XXXX XXXX XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ( collection ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Product: Credit card

-- -- -- NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HAVE CHOSEN TO EXERCISE MY RIGHT TO CREDIT AS DEFINED UNDER 15 1602f WITH KEYBANK AND HAVE PERFORMED A CREDIT CARD APPLICATION WHIHC HAS BECOME A SECURITY FOR KEYBANK. I ON BEHALF OF PRINCIPAL ACCEPT ALL RIGHTS, TITTLES, EQUITY AND INTEREST. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE IT IS FACT I HAVE EXERCISED A RIGHT WITH KEYBANK ALLOWING KEYBANK TO OBTAIN MY CREDIT CARD FOR THE SOLE PURPOSE OF EXTENDING CREDIT AND HAVE BEEN DISCRIMINATED AGAINST DUE TO BEING DENIED CREDIT UNDER THE ECOA FOR EXERCISING A RIGHT. THERE IS NO FEDERAL LAW THAT STATES A CONSUMER CAN BE DENIED A RIGHT BASED ON A FAIR ISAC CORPORTTION SCORE. THIS ADVERSE ACTION HAS CAUSED HARM IN MY DAY TO DAY LIFE AND HAS EVEN LEFT A FALSE NEGATIVE REMARK ON MY REPUTATION WHICH WILL FURTHER HURT MY RIGHT TO CREDIT. KEYBANK HAS OBTAINED MY CREDIT CARD AND CREDIT CONSUMER APPLICATION ( SECURITY ) BUT HAS FAILED IN EXTENMDING ME ME MY CREDIT NOW IN VIOLATION UNDER 15 USC 1644 AND THE SECURITIES EXCHANGE ACT OF 1934. KEY BANK HAS FAILED TO DISCLOSE TO ME AT THE TIME OF APPLICATION OF MY FEDERAL RIGHT TO RECISSION UNDER TRUTH IN LENDING SO NOW UNDER THIS ACT MY DEAD LINE IS NOW 3 YEARS. SINCE KEYBANK HAS CHOSEN TO DENY ME A RIGHT BUT OBTAIN MY SECURITY WITHOUT EXTEND BACK TO ME CREDITS I HEREBY EXERCISE MY RIGHT TO RECIND MY " ORIGINAL '' CREDIT CARD APPLICATION WITH KEYBANK.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a transfer for XXXX dollars to an account in XXXX. my transaction number XXXX. On XX/XX/XXXX, I contacted them through their virtual chat and they told me that they are having a problem with the transaction. They repeat this information every day I call, on XX/XX/XXXX I tell them that I need my money back since the XXXX limit according to the terms and conditions has passed. XXXX of their agents tells me that there is no problem and gives me a cancellation number ( number for cancellation : XXXX ), I contact them again on XX/XX/XXXX and they tell me that this number they gave me is false and that at the time they can not do anything.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, PA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

See attached for complaint. 

I've enclosed two copies of identification to prevent any further stall tactics from Equifax
Product: Debt collection

I sent a debt collection letter to this Amerifinancial Solutions In the month of XXXX of 2019 Basically, I was asking them to validate not verify the debt they say I owe, In a response letter what they sent me back was a violation of my HIPAA rights. Because I did not sign any HIPAA release form with XXXX  XXXX XXXX, to share my information with the Amerifinancial Solutions.
Product: Student loan

I have been enrolled with automatic monthly payments with Navient for more than a year, but I began paying extra money towards the principle of my loan beginning XX/XX/2016. When I submitted the payments online I was given the option of either applying the extra payments towards the principle of the loan vs having the next monthly payment due date advanced. I successfully made an extra payment for XX/XX/XXXX-XX/XX/2016 using the online system. When I attempted to make an extra payment XX/XX/2016 the website was no longer providing the option of applying the extra amount to principle vs advancing the monthly due date. I went ahead and submitted the payment thinking it would of course go to the principle. The next business day I received an email that the loan company had instead advanced the due date of my next payment. I called them twice XX/XX/XXXX- once to have the payment adjusted and let them know that there was an issue with their website ; another time to let them know that they still had n't repaired the website. They assured me that they would get the info to their IT staff and the problem would be corrected immediately. I again attempted to make an extra payment earlier this week. Again the website was not giving an option as to how the payment should be applied. I called the company as I was trying to make the payment. They said that it may have been difficulties with their new website, so they directed me to a link to their old web address. The option still was not available, though they assured me that it would be applied to principle. While my online account is showing that the payment did post to the principle I still received an email that told me that the next due date had been advanced a month. I had to call again to ensure that they were not advancing the due date, which it appears that it was going to do just that. The representative advised me that the website should allow me to apply the extra payment to principle vs advance the due date. I once again told the representative that the website is no longer giving the option. I advised her that I have spoken with Navient on several occasions in the past month to get this situation remedied. She advised that she will send another message to the IT team. I advised her that I will be reporting Navient to the CFPB as this is becoming rediculous how many times I have had to call them with no remedy to the situation.
Product: Credit card or prepaid card

regions bank told me that they would right up the {$52000.00} as fraud months ago then they reported me to the credit bureau.
Product: Credit reporting or other personal consumer reports

Do not confuse my credit file with those of individuals with similar names, addresses, or SSNs. Verify all identifying information thoroughly. ALL claims, regardless of their nature, must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and compliant with all applicable reporting laws and standards, which currently include the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS, among others. 

According to laws and reporting standards, you or any entity are infringing upon my rights if you continue to retain and/or report any misleading information despite my formal consumer complaint. Therefore, immediately and completely remove any and all allegations that can not be clearly demonstrated as true, correct, complete, timely, mine, my responsibility, or fully compliant.
Product: Checking or savings account

I had an account with comerica bank. I was transferring my own money from my checking and savings. They charged me overdraft fees and closed my account. I am now unable to make an account with bank because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I have been unable to file a dispute online through Transunion.com or any site. I have contacted Transunion weekly to have the issue resolved. I have attempted to mail disputes to Transunion and was notified through certified mail that my correspondence was delivered. However, Transunion never acknowledge my disgust request and I was never notified that my dispute would not be investigated. Transunion Refuses to investigate why I am unable to submit this piece online and keeps pushing for me to make my dispute over the phone Which I am unable to provide supporting documents.
Product: Credit card or prepaid card

I made a compliant to the CFPB about AMEX ( XXXX-XXXX  ) and they closed the complaint by saying a refund had been issued. This is incorrect, no money has been refunded to date and they have intentional lied to the CFPB to close the complaint
Product: Credit reporting or other personal consumer reports

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following trade-line items are because [ Reason ] : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy, FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting, FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information, FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms, 15 U.S. Code 1666b. 

Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  XXXX XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX The Inaccurate accounts that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. Should you fail to make the requested deletion, I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed.
Product: Credit reporting or other personal consumer reports

I was in the process of checking my credit report and notcied an account in collections under my name that I had no knowledge of I believe I am a victim of identity theft because I did not authorize this account to be opened and did not even know it existed now it is in collections beacuse someone fraudulently opened this account under my name without me knowing. The account in question is XXXX for the amount of {$610.00} the date they opened the account is XX/XX/2023. I have also already obtained an FTC report for Identiy Theft This account is also in collections I found out with a company called XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an account with Bank of America ( BoA ), opened in XXXX XXXX, Tx. My credit card was cloned and used to do several transaction on XX/XX/XXXX and XX/XX/XXXX at XXXX and XXXX in the state of Texas. They spent around {$1400.00} ( all the money in the account ). 
I traveled to XXXX on XX/XX/XXXX and I came back to United States on XX/XX/XXXX. I noticed this fraudulent transaction and I called BoA and asked them to cancel the card. They did canceled the card and they offered me a credit for the money missing in my account, while they conducted and investigation. I mentioned that I was not in the country at the time of the transactions and I had proof of this, but they say it was not required. 

I received a letter on XX/XX/XXXX saying : " Our records show the transaction activity in question was authorized and posted correctly to you account ''. I went to a BoA financial center located at XXXX XXXX XXXX XXXX, XXXX XXXX, Tx to show them documents to proof I was not the one doing those transaction. They told me they did not handle that and I need to call the Claim Center. 

I called the claim center and I asked for an explanation about the outcome of the investigation and they said they revoked the claim based on two factors : 1. '' The transaction do not reflect any urgency on getting the money out from the account ''. However the transaction were done on two days.

2. " There is proof of my pin being used on the transaction ''. I asked to show me proof of this, and they say I don't have access to this information. I specifically as for this to XXXX ( employee number XXXX ) and his answer was that they can request the information but he could not guarantee that I will have the information requested. 

Apparently the investigation was very rigorous, but they missed the point that I have transactions in two different countries in the same period of time. On top of that they refuse to give a copy of the investigation or the records showing these fraudulent transaction where my pin was used. I spoke to XXXX ( XXXX 's supervisor, from Arkansas, reference number XXXX ) and the only option they are offering me is to send proof that I was outside United States ; however this will take time and they will remove the money from my account anyways.
Product: Debt collection

Navy Federal Credit Union allowed an account to be opened in my name without my permission by someone who stole my information. The account was opened using my Access number and my correct personal information that was obtained as a result of identity theft. I have personally gone into a Navy Federal branch multiple times and explained that the account they are reporting against me and have now sent to a 3rd party collection agency was as a result of identity theft. I have also provided Navy Federal a written notification that I disputed the debt as fraud and told them that the account they are reporting against me is fraudulent, and I also provided them a recent police report. Even after dealing directly with Navy Federal they not only refused to remove the fraudulent account out of my name, they took the account and immediately sent it to a 3rd party collection agency when they plainly were told the account was fraud. This is not my account and I did not open the account and I did not provide my information to anyone else to open an account in my name, however Navy Federal refuses to act in a reasonable manner and have violated the FCRA by sending an account disputed directly with them as fraud to a 3rd party collection agency.
Product: Credit reporting or other personal consumer reports

Bridgecrest is in violation of 15 U.S. Code 1681s3. I was never sent proper notice nor given the opportunity to prohibit such actions taken against me. 
Bridgecrest is also in violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). Reports containing information solely as to transactions or experiences between the consumer and whoever made the report are not suppose to be on my consumer report.
Product: Debt collection

LVNV FUNDING account number XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year>, charged off the debt and sold me to XXXXXXXX XXXX credit report reflects it's an Open account Thats wrong. Its still reporting on my credit report. per section XXXX XXXX XXXX ' validation Notice I didn't receive a validation letter with my signature validating the debt, furthermore ; XXXX passed a law allowing consumers to request collection removal from their credit report. Thank you
Product: Credit reporting or other personal consumer reports

While with my ex-wife, I co-signed three student loans ( Navient is the provider ) to allow her to finish her education. We have been divorced now since XXXX, and during the divorce proceedings it was made clear and approved by the judge that my ex-wife would be solely responsible for any loans that I was co-signer on. Recently, in XXXX of XXXX, she unknowingly fell behind 60-days with her payments, and because of my continued association with those accounts, my credit has plummeted in response. I submitted a dispute request with XXXX on XX/XX/XXXX and asked them to remove the account and/or the negative information. I provided a justification and the document from our divorce proceedings, and they declined to do anything regarding the situation ( simply came back in less than a week 's time with nothing but a verification that it is my account ). I submitted a similar dispute to XXXX about five years ago, regarding these same accounts, and they cooperated by removing those accounts from my report. My credit scores are wildly different because of these accounts, and it has caused my XXXX score to plummet XXXX pts since this issue. I have a similar dispute currently filed with XXXX as well, for the same accounts and reason.
Product: Credit card

I applied for a Citi Bank Secured Credit Card and my application ID : XXXX was denied due to the credit privileges on your existing account ( s ) are currently restricted. I do not have any current or existing credit card accounts or any accounts with Citi Bank right now. So my application should have been approved by Citi Bank for the Citi Bank Secured credit card. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Credit card or prepaid card

Unfortunately, I was a victim of fraud and identity theft and although I bank with Bank of America and have a Bank of America credit card, they were unable to provide me any assistance with the matter. 

For background, I am a mystery shopper working for a company called XXXX. I was a victim of fraud when someone posing as the mystery shopping company asked me to purchase 3 XXXX gift cards of a value of {$500.00} and have me send them the gift cards and rate my shopping experience as part of my duties. 

At first they made an {$1800.00} payment to my card which should have covered the gift cards and my reimbursement for the survey and experience report but that payment was canceled. Shortly therefore after, a payment of {$1500.00} was made to cover my expenses but that was canceled as well. I am now not only being charged for the gift cards which were part of the fraud but also for the two cancellation fees and late fees that incurred on my card. 

My bank has refused to do anything about the case even though I was a victim of identity theft and fell victim of a scam/fraud in which they stole the identity of the company I work for. Their website clearly states that they have a {$0.00} liability guarantee as long as fraud is reported promptly, which it was, yet they are telling me I am not covered. They need to resolve this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a debt in XXXX XXXX 2020 in the amount of {$600.00} and was told it would be reported in 4-6 weeks. I called the debt collector XXXX XXXX XXXX and they said it shows its been paid off but dont know why the bureaus havent reported the paid off status.
Product: Credit reporting or other personal consumer reports

I have asked this company to notify capital one that my account was settled and paid off. They have yet to date and it remains on my credit report as delinquent when the account has been paid. I have reached out to XX/XX/XXXXXXXX asked them to reach out to their third-party source to verify that the payment has been made capital one has not done so Ive reached out to XXXX Provided them with the payment receipt and the payment letter and XXXX still tells me that theres a balance on there, even though I have provided them with the information
Product: Debt collection

I advised the person that they were becoming abusive by yelling into the phone and the person told me that I should be quiet and when they finished, then I could speak.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I received a email from XXXX informing Alert : Change To your credit file Detected. I contact them to ask them who inquire in my credit and they do not provided me any information they ask me to paid a credit Report. When I review my credit report from my bank loan I saw my score decrease from XXXX to XXXX, 14 points below on XX/XX/XXXX. This is very frustrated because I am working hard to fix my credit, I am planning to refinance my car and now if they do a inquiry in my credit that will affect. immediately y check into my Bank profile who also provided me information about inquiry and I noticed that the Bank SYNCB National Credit Cards/Airlines inquire my credit report with out my consent. Immediately contact the Bank and they said that I need to contact the credit Report and vice versa to fixed my score. That day I made more than 10 calls trying to find who was responsible for inquiry in my score. My big surprise was the date of inquiry from SYNCB National Credit Cards/Airline said that was on XX/XX/XXXXand that's not true I am monitoring my Bank account and that inquire was not there before in the credit Report. That inquiry appear the same day of my credit Report Decrease from XXXX. I opened on XX/XX/XXXX a account for XXXX  credit care Same Bank SYNCB but closed the account, never used the credit. SYNCB provided my information without my permission and affect my credit. That bank inquire my credit and they put a different Date. I never ask for credit/airlines. They denied any responsibility and what they advise me was to contact XXXX. I also tried to contact Complaint department from the bank and they did not transferred my call, they advise me to contact XXXX XXXX. I Was very frustrated because I am in the middle of this situation and now nobody know nothing about it. Attach my credit Report the inquire information of SYNCB and the XXXX Email, Thank You