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

XX/XX/2019 i received my statement with fraudulent charges. i called to resolve the issue. At which time I was told they would handle the fraudulent charges and close my card and send me a new card. I received my new card in XXXX. I then received another statement with fraudulent charges that were transferred over from the previous account. i called multiple times between XXXX and XXXX. I kept getting transferred to the fraud department back to the costumer service department to the investigation department. At one point in XXXX the investigative department said they would look into it but was never assigned to anyone. This entire time I kept making the statement that i did not want this to affect my credit score. They said they were making corrections. My credit score was negatively impacted and my credit limit was dropped from XXXX to XXXX. I called last week and the week before each time with the person on the only line stating to give it 7 -10 business days to get resolved. At this point I feel like I am being harassed and taken advantage of. At one point i was getting daily calls from a Robo call to pay the bill. I hope that all my calls have been recorded as proof of what I am being put through. My credit score has been negatively affected and I am now having to wait to start my refinance due to the hit on my credit score. I have been treated poorly as I would have expected that by this point I would have been assigned 1 agent to take care of these issues for me. Instead I keep getting different numbers to call at a later date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting credit inquires on my consumer report without permisable purpose. I want this reporting agency to provide me with proof of this. Credit inquirys are listed below : XXXX XXXX ( bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( bank ) XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX 
XXXX ) XXXX Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has several inquiries on my report that were not authorized by me and the result of identity theft/fraud. I reached out to Transunion at least three times over the course of the past few weeks to no avail. 

Typically Transunion always responds and states that I have never reached out to them, bu this is not true. Please see my most recent attached copy of the letter that was sent to Transunion, along with a copy of my police reports of ID theft.
Product: Mortgage

XX/XX/XXXX I paid an Escrow Shortage it was NOT credited to my Escrow acct they credited it as an EXTRA PAYMENT and they did not correct that error. I rec 'd XX/XX/XXXX's payment statement and due to the fact that they did not correct the XX/XX/XXXX error the payment was lower then it should have been but I paid the XX/XX/XXXX. amount which they said I owed. They did not credit that properly, they credited that as an EXTRA PAYMENT and have not corrected that error. Then I rec 'd XX/XX/XXXX 's statement and paid that and again it was the wrong amount. Again they credited it as an EXTRA PAYMENT. They have not corrected that payment neither! The bank called me and left a message for me to call that bank. I returned the call ... .. the woman I spoke with told me I had NOT paid XX/XX/XXXX 's payment and that I was way over due on it ... ... I told her I had in fact paid it and I gave her the date of which I paid it and the check number, They STILL have not given me credit for that payment I have gone to my local branch bank and the branch manager there has also attempted to get this corrected she is not having any luck neither.
Product: Vehicle loan or lease

I put XXXX down which did not go towards the car payment loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just viewed my recent credit report from XX/XX/2024 and I discovered some inquiries that I did not authorize and also have no permissible purpose, I have also attached the evidence.

These inquiries have no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I purchased my car through XXXX. The vehicle was financed through them via Bridgecrest / XXXXXXXX XXXX 

I was able to pay off the loan this month. I generated a payoff quote amount of about {$5000.00}. I submitted payment through the Bridgecrest site as I did with all my payments. 10, then 15, then 20 days go by, and about 7 calls to Bridecrest. The money was never deducted or presented to my bank ( XXXX ) for payment. I have proof of this. 

They say they have closed my account. They will do nothing to help me and keep giving me the runaround. I call and ask to speak to a manager and am told to wait on hold. They disconnect me every time. I have called maybe 8 times and spent at least 7 hours on the phone with them. 

Today, I XXXX this XXXX and XXXX to find that this is a scheme/tactic that Brdigecrest engages in on a regular basis to extort more money from you. Apparently, the next thing they do is file a lien against you and charge you more money. 

All I want to do is pay off my loan on the agreed-upon amount. I am getting nowhere. 

I have called customer service, XXXX, and as well as their corporate office. XXXX response. 

I want to pay off the loan today and be free of them and make sure other people know what they do. 

Thank you.
Product: Checking or savings account

On XX/XX/XXXX I wrote a check payable to the XXXX XXXX treasurer in the amount of {$1700.00} for property taxes ( check # XXXX ). 

Upon reviewing my banking app in the coming weeks I saw that check # XXXX cleared in the amount of {$1700.00}. 

6 months later, in XXXX of XXXX I receive the next statement for my property taxes which showed that they never received the {$1700.00} from XX/XX/XXXX and that balance was now delinquent. 

Upon research I was able to pull up the check image and see that the check had been tampered with. The pay to line had been whited out and changed to a personal name. 

Upon noticing this fraud, I reported it to Citizens Bank and filed a fraud claim. At the time of filing I was notified that it could take a few weeks of investigating. In the coming weeks I called multiple times to check on the status and was advising that they were still investigating. I also went twice in person to a branch to check the status. The first time, the teller advised that she could not check status and to call the number I had previously called. The second time, on XX/XX/XXXX, the teller was helpful and looked into the claim. She advised that Citizens bank was still trying to get the funds back from XXXXXXXX XXXX and that once they got the money back I would get the money back but that this could take 6 months. 

On XX/XX/XXXX I received a letter in the mail dated for XX/XX/XXXX notifying me that they had reviewed the claim and since it was more than 30 days since the fraud took place, they were denying the claim per their policy. At no point during filing the claim or following up on the claim was I notified of this policy. Furthermore, more than 30 days had elapsed between when the claim was filed and when the decision to deny was made. 

The following day, on XX/XX/XXXX I called the number provided for questions about the claim. The representative simply repeated the information on the notice and did not provide me with any further options. When I requested to speak to a supervisor, she advised that it would be atleast an hour wait, given that I was at work this was not a feasible option. 

After some consideration, I called back on XX/XX/XXXX and asked to speak to a supervisor. I was advised that there was no such option. I then asked the representative, XXXX, if I could appeal the decision given that the fraud was not evident in my banking app. He assisted my with filing the second review and advised that a decision would be made in 3-5 business days. I confirmed my contact information. 

On XX/XX/XXXX, I called to check the status of the second review given that I had not heard back. The representative, XXXX, advised that she did not see the second review and offered to re-file it. I agreed and it was re-filed. 

On XX/XX/XXXX, I called again to check the status, the representative with whom I spoke saw the second review and looked into it. He advised me that the claim will remain denied due to the more than 30 days that elapsed between when the fraud occurred and when it was reported. 

As of XX/XX/XXXX, I have not received anything formally about the second review being denied.
Product: Credit reporting or other personal consumer reports

Please remove XXXX XXXX XXXX from all credit bureus. This was placed on my credit reports incorrectly. THE ACCOUNT DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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, credit repair services, or other personal consumer reports

THE ADDRESS XXXX XXXX XXXX, XXXX XXXX, FLORIDA, XXXX IS NOT MY ADDRESS. I HAVE NEVER LIVED THERE.
Product: Mortgage

Mr Cooper has NOT applied funds they received on XX/XX/23 from the NY Homeowners Assistance Fund to my mortgage. They did the same thing in XXXX of last year. Kept the money ( accruing interest for themselves ) and then sent it back to NY in XXXX of last year. It has been 8 months of my life trying to get this mess resolved. I have pages and pages of notes to both Mr Cooper and Homeowners Assistance Fund. The gross unprofessionalism and inefficiencies of Mr Cooper is unacceptable. It is truly a shame that we are all held XXXX to these companies. Mr Cooper has so many complaints on various sites including the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX ; Highest Balance {$10000.00} XXXX XXXXXXXX XXXX  ; Highest Balance {$10000.00} XXXX  ; Balance {$0.00} These accounts are not my accounts. They are reporting late and Ive never even opened these accounts nor do I know where they come from. I dont own a bank account to revive a loan. This is fraudulent!
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with TransUnion in XX/XX/2017, it still shows " in progress ''. They have not communicated with me any information. the File identification number for the dispute is XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Order was placed online with XXXX for a piece of furniture. The order showed shipped and was tracked to my building ( according to XXXX ) and the driver indicated that he met " with the cust9mer '' for delivery. Not possible as I was physically possible work records, vehicle GPS and the fact that I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX makes that statement unrealistic. XXXX requested that I was several addition days citing sometimes deliveries do arrive after the information provided. I was in conversation with XXXX most of the day and at XXXX had actually requested that the delivery be attempted the following day. XXXX reluctantly agreed to process a refund for the failed delivery and provided a laundry list of specific things to do including obtaining a police report. Over the course of the next several weeks, I provided numerous documents to XXXX and, in fact, has to work with detectives because they wanted certain verbage and some of their request were redundant but nonetheless completed. XXXX from go always maintained the Police Reports were fraudulent even though they the actually email containing the link was provided and makes their argument fall upon deaf ears. I finally contacted my bank on XX/XX/year> and filed a claim because at the end of the day, I paid ( slightly under {$400.00} for something for something I did not receive. The bank assured me they would look into it and may have but no respect is being paid to Reg 'E '. SoFi ( my bank ) is providing with erronous dates and has stated they have 45 ( and up to 90z ) to investigate. I agree, they do. However in understanding of the Reg is that if they are not able to resolve it within the initial 10 business day, and the wish to continue to investigate, Reg E has the provisional clause where by the bank is to issue a provisional credit. The bank says " no '', " no way '', " no how ''. No. No. No. Insisting that I have it wrong. Also, a lost my wallet and timely reported to credit card issuer as well as SoFi. The information was provided per their Terms ajnd Conditions ( I notified customer support via chat and followed up with them by letter which was posted that night. There were no pending transaction on my account. Howver the following day there was which was process and paid by the bank and 2 days after it was done again. When asked why and how that is authorized and a card was reported lost? Again, the representative had no logical answer. What is clearly evident is that someone is providing erronous information to banking personnel ( who should clearly know banking regulations and that tantamont to a XXXX XXXX XXXX XXXX to make be believe something that I know is not correct. Intentional violation of the law for which I think an indepth review of the policies and pracitces are obviously warranted. I have a limited amount of income and {$400.00} dollars pays a bill or two .... but not anytime in ther near futire deal with SoFi. There has to be a penalty for this action they have done and I question how many more people are being messed over by their illegal acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a regular complaint, as Ive now filled a complaint with the federal trade commission and the XXXX XXXX XXXX as well. This is becoming extremely unacceptable and I demand these accounts be deleted immediately. Ive sent in multiple letters and even have tried calling an enormous amount of times to the credit reporting agencies. XXXX, XXXX, and Experian refuse to abide by the law and Im demanding something be done about this. It has been a very stressful process, their infringing on my right to privacy and has now cost me thousands of dollars. Ive never given any consumer reporting agency the right or ability to furnish ANY information of mine. Please have them delete these accounts as I will be forced to file for litigation due to the damages and stress caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX  XXXX Account # XXXX Description : Inaccurate because the 2-year payment history for XXXX, Equifax, and XXXX are reporting different dates and inconsistent payment history for the dates between XX/XX/XXXX - XX/XX/XXXX. Also, the date last active reports XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX. All 3 bureaus can not be right. All reporting must be 100 % accurate.

I submitted this dispute with Equifax online on XX/XX/XXXX. And their investigation was complete on XX/XX/XXXX. Which makes me believe all my documentation submitted for evidence was not considered. Also, the Equifax upload portal is always conveniently having issues when documentation is uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

From the period of XX/XX/2022 to XX/XX/2022, I was on a hardship plan with Upgrade. I opted into the hardship plan because I was getting ready to separate from XXXX XXXX service in the XXXX in XXXX of 2022 and due to my military move, I needed to adjust my finances. While making payments every month, Upgrade Inc falsely reported that I had missed 4 months of payments in XXXX. I had consistently made payments during the summer for the amount of {$92.00}. I was never informed that my payments were less than the amount I was actually supposed to pay ( {$130.00} ). Additionally, I had not been given notice that my payments were flagged as late until XX/XX/XXXX. Due to them failing to inform me ahead of time to correct the error, my credit score has tanked and Upgrade Inc refuses to submit a correction to the credit Bureau. Multiple complaints have been filed to the XXXX  by others regarding Upgrade Inc and the way they conduct business for consumers. Im requesting any assistance to correct my credit and plan to cancel my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway, I am requesting that those charges be removed.