23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I apply for a loan on XX/XX/year>. I was denied for this loan in the amount of {$35000.00}. I was asked to supply my social security number to access my credit profile ; but according to this denial letter it states 'The reporting agencies played no part in our decision and is/are unable to supply specific reasons why we have denied credit to you ''. My question to this corporation is what was my social security number used for? This letter states the key factors for their decision was adversely affected your credit score : Serious delinquency, and public record or collection filed Ratio of balance to limit on bank revolving or other rev accounts too high Lack of recent installment loan information Number of accounts with delinquency When I called to speak with the underwriter I was told there is no underwriter available. the applications go through some type of engineering software process. This corporation as also shared my information with XXXX XXXXXXXX XXXX  Who knows what other company has obtained my information? This is a violation of my Privacy. 
According to the Federal Reserves Act I it states Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are hereby authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX Card ), XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX Card ), XXXX XXXX, XXXX XXXX XXXX, Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX  account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and suntrust bank account that made payments on these alleged accounts was opened and funded fraudulently.
Product: Checking or savings account

I dont know what to do but I did some work for this guy and he paid me in check and I cashed them thinking everything was good and it wasnt
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am writing to address a concerning issue regarding my credit profile. Your company has continuously reported multiple accounts to Experian credit services, which are reflecting delinquencies. However, these delinquencies were due to identity theft, and despite being made aware of this, the accounts have not been adjusted accordingly. As a result, they have been closed without any adjustment. I kindly request that you take immediate action in removing these accounts from the credit profile of XXXX XXXX XXXX to avoid any potential legal consequences. Your prompt attention to this matter is greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I have tried several times to try and get Experian to remove three fraudulent accounts ( the same companies that claim I do not have an account with them and/or refuse to show proof of account or they have the right person ) from my credit report and they have refused nor will they give me any information about their " investigation '' if there even was one. I have also filed more than one complaint with you all against all three and they all ignored it. 

These three are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. PC ). All three are renown for fraudulent and/or repeat billing of accounts in collections. XXXX XXXX swears up and down I do not have an account and promised to remove this account from my credit report and XXXX promised to investigate and to remove this from my report and they have done nothing including report back as promised. XXXX will not answer the phone and the one time they did they put me on hold for an hour then refused to give me requested info or provide proof of said account and authorization by me. XXXX & XXXX refused to repair or replace my phone or tablet but promised me bill credit plus removal of bill for devices and then turned around, recanted without notice, and sent me to collections. I will not pay a bill I do not owe for services I could not use for three months. 

Every time I file a dispute they refuse my request. This is every single time, not just the three I am currently fighting to get removed. The most recent dispute regarding these three accounts they will not even tell me what the report says. All I get is " dispute results not available online '' and it is like pulling teeth to get past the automatic operator to speak to a human being and when I do I get nothing but excuses and the same statement as on my dispute results. They will not put a freeze on my credit report nor will they explain or review their processes and results.
Product: Debt collection

The company Dynamic Recovery Solutions has placed a collection on my credit report and also calling me everyday. It says that it is a collection from XXXX XXXX hospital from 2008. This the XXXX that I 've heard of this. They swear that it 's me, but it 's not. There are 3 other people in this city that have the same name as I. They do n't even have the correct address for me and I 've been in my same house for over 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$940000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 i filed an ftc ID theft affidavit to have certain fraudulent items on my credit report blocked in accordance with the fcra. The bureaus blocked the information but now one of the accounts has re-appeared on my experian report. This account was blocked for the last 6 months and randomly is back on my report. I resent them my FTC documents and letter to have it blocked, however Experian is still reporting this item and is showing up on my reports now for some reason. This is a violation of the FCRA and I want it resolved immediately.
Product: Vehicle loan or lease

Payment was made to westlake financial on XX/XX/2023 in the amount of {$630.00} confirmation number for this transaction is XXXX westlake financial is insisting that they have not collected the amount of {$630.00} that was made on XX/XX/2023 we have explain to them that our bank has confirmed that transaction being processed we have called them and first representative we talked to confirmed that that payment was received but it would take 2-3 days to reflect in their system then when we called again they said another story saying they have not recieved no payment every time we call they keep telling us different story.
Product: Credit reporting or other personal consumer reports

My account # from credit report XXXX.. I have one name, one address, one phone number. I would like all reports that are not mine taken off my report
Product: Mortgage

I applied for a Home Equity Line of Credit ( HELOC ) through Better.com. They sent me XXXX checks : A check made out to XXXX for {$15000.00} to pay off a balance, which was overnighted to my primary residence in Virginia. 
A check made out to XXXX for {$21000.00} to pay off another balance, also sent to my primary residence. 
As of XX/XX/2024, XXXX has received their payment. However, the check sent to XXXX hasn't been received yet. Meanwhile, XXXX, who handles my autopayments, hasn't removed me from their system despite my request. I'm asking Better.com to reissue a check to me so I can pay XXXX directly. Alternatively, they can send a wire payment directly to XXXX for the amount owed.
Product: Debt collection

I.C Systems, INC is reporting a frivolous debt on my credit files in which I do not owe them. 

I have never in my life done any type of business with this company nor is there a contract that is binding me to this company. 

I have asked them to provide me with a copy of the legal contract with my wet ink signature and the wet ink signature of the company 's representative that shows that I entered into some type of business dealing with them but I was not provided that info. I have also asked them to delete this frivolous debt from my credit in which it still remains. 

I have never received any sum of money nor merchandise from this company so therefore I do not owe this company any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXXXXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my XXXX report. I demand that these items be removed immediately. 

XXXX XXXX XXXX NATIONWIDE CASSEL LLC   XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. These transactions do not relate to me as the consumer block and remove XXXX XXXX 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: Bank account or service

I had a direct deposit on XXXX/XXXX/2015 in the amount of {$280.00} and could n't access my money from Rushcard. They said they are having problems due to the update on XXXX/XXXX/015 and they are working hard on this issue. I have spoken to them everyday since this time and nothing has been resolved. They have no answers and I ca n't get my money out because it is saying {$0.00} balance ; even though I had a deposit on XXXX/XXXX/2015. I am very upset and bills are due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company Capital One, this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. I have attempted to disputed this charge and requested validation for this account in XXXX XXXX and XXXX and no action has been taken, there has been no response and no validation sent to me.
Product: Credit card or prepaid card

Good Day, Citibank / Home Depot account XXXX Starting in XX/XX/2019 we have had issues with Citibank Home Depot Consumer credit services teams. I have had over 6 phone troubleshooting, supervisor escalations, and efforts with both Citi and Home Depot IT teams in efforts to " fix '' their problem. The payment situation was concerning promotional balances and payments not applied properly causing delinquent situation when payments were indeed made in plenty of time, AND requested ( on phone with a supervisor ) to be applied properly to avoid deferred interest charges. 
It is now XX/XX/XXXX and again I am now blocked from access to my account online, the customer service professional this morning was not able to get a supervisor, as they are not on duty during all the available customer access hours on phone! 
I am reporting https : //citiretailservices.citibankonline.com, homedepot.com/mycard, which is the collective of both corporations credit services teams for inability to allow continued access to my credit card account, to make timely payments to my account, and to get service on my issue. 
XX/XX/XXXX was hung up on by XXXX from Citibank XX/XX/XXXX XXXX able to assist in effort to resolve access issue, access restored XX/XX/2019 ( XXXX/XXXX-Supervisor ) Statement incorrect, shows delinquency and interest charges when payments were made from online access restored on earlier calls. Made payment XXXX only available option is by phone at this time ). 
XX/XX/2019 XXXX XXXX ) Assisted by getting Supervisor to remove me from review list ( outsourced credit card disputes ) and indicated my account was being addressed at that time to avoid further delay as I had waited the 2 billing cycles to see adjustment for interest charges. Again making Payment by phone as access is not restored to account via online. 
XX/XX/2019 received email indicating there was important message for me to read about my Home Depot Credit Card. AND, access is blocked once again, message to update profile, will not accept email provided. Called and spoke to XXXX at Citibank, unable to resolve, nor was able to escalate due to supervisor unavailable. 
At this time I am not able to access my account, and only can make a payment using a telephone. With history of incorrect applications of payment, I fear another situation where I get charged interest I should not be, and not able to SEE transactions on account. 
Message for those reading this complaint, DO NOT GET A HOME DEPOT CREDIT CARD, use another bank card that offers promotional balance offers instead! 
Please investigate this credit card group for inability to provide services to their customers and charging interest on purchases that have been paid in full. They are in breach of contract made when I purchased products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have attached a redacted police report XXXX eliminating photos and text because of the size of the file exceeding 10mg ). I am asking the government to please review the information, and if needed, I can provided an original company via mail of the complete police report conducted by XXXX Police Department.
Product: Payday loan, title loan, or personal loan

I decided to refinance my autoloan to obtain a lower rate from a competitor. Through trying to pay off the auto loan, I first made a payment in the amount of {$5300.00} ( could not pay more as additional principal ). I then found the tab to pay off the loan, which billed me for {$16000.00} ( the actual payoff amount ). Therefore, I was owed a return of {$5300.00}. I called immediately and was told that despite the money coming from a Chase Banking account to a Chase Auto Loan account that it could not be cancelled. However, I would receive a refund back into my account within 10 business days. I acquiesced and waited. 

This was for account number XXXX Since then, I have talked to entry level customer service representatives, escalations, as well as the executive line. I was promised the refund would occur within 10 days. When I called back and escalated, I was told within 5 days. I am now told its under investigation and I still today have not received a refund or any promise of when I will receive a refund. 

The online payments as mentioned above were XXXX ( {$16000.00} ) and XXXX ( {$5300.00} ). Both of these payments were made on XX/XX/2020. They came out of the account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, The debt collecting company XXXX XXXX XXXX XXXX Brought a debt from XXXX XXXX XXXX  And has reported this debt to my consumer reports accounts with out prior consent. Not only has this affected my credit report negatively, but I have also been discriminated against by banks and lenders which ultimately affects my family. These abusive practices has hindered forward growth.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX-XXXX, Account # XXXX XXXX XXXX  XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX RE : Complaint Against TransUnion for Improper Dispute Processing Dear CFPB, I am filing this complaint against TransUnion for failing to properly process my credit dispute in accordance with federal and state laws. On XX/XX/XXXX, I submitted a dispute via their website regarding inaccuracies on my credit report, including 4 accounts previously verified by them without details and 5 unauthorized hard inquiries. However, as soon as I submitted the dispute, I received a notification that the results were completed and that they would be mailed to me, all within the same minute. The dispute doesnt show under the Active Disputes or Update Requests section of the Dispute page. This suggests that TransUnion did not conduct a proper investigation as required by law. CFPB, on XX/XX/XXXX, published a current lawsuit against XXXX for this exact type of misbehavior. 
Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ], TransUnion is obligated to investigate disputes thoroughly and provide evidence of verification if the disputed information is deemed accurate. Additionally, the Texas Finance Code Chapter 392 requires credit reporting agencies to validate the information reported and provide specific details upon request. Despite my efforts to follow up, TransUnion has failed to : 1. Validate any of the disputed information.

2. Provide documentation or an explanation of their verification process.

3. Identify the entities they contacted for verification.

I also called TransUnion to address the five unauthorized hard inquiries, but I was given the runaround and had to resolve this matter on my own without any meaningful assistance. This lack of compliance and transparency is a violation of my rights under the FCRA and Texas Finance Code and has caused undue stress and frustration.

I request that the CFPB investigate TransUnion for failing to adhere to the following : FCRA [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] requiring a reasonable reinvestigation of disputes.

FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] requiring deletion of unverifiable information.

Texas Finance Code Chapter 392, Section 392.202, requiring validation of disputed information.

I further request the removal of the 4 accounts and the 5 unauthorized hard inquiries and all other unverifiable information from my credit report. I appreciate your attention to this matter and look forward to your assistance in ensuring that TransUnion complies with its legal obligations.

Accounts sent back verified without process of verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hard Inquiries unauthorized on credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

There was a wire fee of {$15.00}. They shouldn't charge this when I did not get the incoming wire at a proper time. I have done wires at other banks that are much smaller and got the wire on time. 

It's unacceptable that Chase gave it to me so late. I needed to send the money. 

Not to mention when I called the local branch, they were not nice and basically gave me zero information even though they wasted many minutes of my time.
Product: Vehicle loan or lease

Vehicle purchased XX/XX/XXXX from XXXX XXXXXXXX XXXX XXXXXXXX. Mileage recorded at XXXX per purchase agreement and XXXX. Suddenly, on XX/XX/XXXX XXXX XXXX in XXXX reported the vehicle serviced at XXXX miles. This was not done by me, the recorded owner. As reported in my next inspection in XXXX of XXXX, the mileage was XXXX. The discrepancy between the time of my purchase and the time of my last inspection as recorded by XXXX is negatively impacting my ability to trade in my vehicle at the true mileage. It appears based on the XXXX  that I have tampered with the mileage when in fact this is not true. I have copies of the XXXX at the time of acquisition if needed.