23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NCC is calling my home and leaving messages over many months to collect a debt not owed by me or any of household members. I contacted them many times but they keep bothering me and leave voicemails for person who is not a member of my household. They fill up my voicemail with message and call with different names, location and fake caller ids.
Product: Checking or savings account

I deposited a distribution from an inheritance from a deceased family member. I deposited into my Bank Of America checking account on XX/XX/XXXX. I received two wtitten receipts for the transaction. Those receipts inducated that funds would available on XX/XX/XXXX. Later thst day the bank changed that wait time to 10 days, XXXX. I only found out because I checked my on line account and noticed the ten day hold. Ive caled them XXXX XXXX. They will not release any portion of the funds. I told them I was unemployed, behind on the rent and running out of food at home. They refused to tekease the funds. This XXXX was written on XXXX XXXXXXXX XXXX branch and the issuer is XXXX.
Product: Credit card or prepaid card

Credit Card Account Number : XXXX To whom it may concern, I have tried several attempts to get in contact with Truist credit card department in regards to the account listed above. I want to settle this account once and for good but Truist is not responding to any of my attempts. 

I tried calling, left voice mails, sent letters the last letter was mailed certified in XXXX and tracking shows that it was personally picked up at the post office ( Tracking ID : XXXX. My last hope to get in contact is through you and I look forward to finally settling my account. 

I have also e-mailed the CEO and was told that my letter was forwarded to the appropriate department but I have yet to receive a response and it's been more than a month since my last attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2020, I have been disputing 2 XXXX XXXX accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : XXXX, XXXX, and TransUnion. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are requests for me to supply XXXX XXXX with more information in order for them to investigate the account. I am unclear as to why I need to help XXXX XXXX investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the 3 bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on XXXX -Dispute remark missing
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two hard inquiries listed on my experian credit from a company name XXXX dated XX/XX/2020 and XX/XX/2020. Both inquiries were without my consent/permission. I had no idea. I called experian and they informed there is nothing they can do about it. So apprently any company with ones information can just decide they want to be nosey and pull ones credit without consent. I also called navient and apparently they do not have a department for this issue and was told to mail them. The address I was given was a false address as well.
Product: Checking or savings account

I use  XXXX  to file my taxes. I mistakenly left my old checking account information from  Chase as  the account to deposit the refund in. I have not had a refund for many years, so until now, this problem has not surfaced. I tried to alert the IRS about this problem but they informed me that I needed to contact my financial institution.  <P/> The ACH was made on or around   XXXX   XXXX   XXXX     in the amount of {$950.00}.  <P/> I contacted  Chase  on   XXXX   XXXX   XXXX     and they were able to locate the ACH. They instructed me to call back during business hours and provided me a number to reach the ACH department.  <P/> I called back on   XXXX   XXXX   and spoke to another customer service representative and then a supervisor. They were not even able to locate my closed account this time ( based on my SSN ) and instructed me to reach back out to the IRS ( creating an infinite loop ). They have apparently lost my account information. They claim that I never had a checking account. I told them I was looking at a check from my old checking account and they responded patronizingly that it must be a cashier 's check or something. They were also not able to locate the ACH transaction this time, even though they were able to last time. They are holding the money and I have no way of getting to it.  <P/> I included  two  attachments : an old check from my checking account and the  XXXX  printout that shows the ACH information with their routing number. The  two  account numbers do n't match ( I 'm not sure why ), but the routing number is clearly a Chase number. I also included a third attachment that shows the status from the IRS.  <P/> NB : The initial refund amount was for {$1100.00}, but there was a deduction, bringing it to {$950.00}.
Product: Payday loan, title loan, or personal loan

On XXXX/XXXX/2015, I took out a loan from Rise Credit for {$5000.00} because I was faced with a financial hardship. That hardship included vehicle almost getting repossessed, hard time paying rent, and etc., because I did n't have any other outlet to borrow money from. Even though the money provided a temporary relief at that moment, I have been struggling to pay the loan. It seems like they know when I get into a difficulty because they would offer a refinance option which basically gives you the principal that is paid down from the amount borrowed. This option makes the situation worse because every time they offered it, I basically had to start over and to make matters worse, they do n't even try to lower the interest rate. In another desperate need for help, I reached out to them for a refinance and they told me that you only get three refinances and that they could n't do anything until the loan is paid in full.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN BATTLING TRANS UNION REGARDING CREDIT BUREAU SYSTEMS LLC TO REMOVE ILLEGAL INFORMATION REPORTED. THEY DO NOT OWN MY AUTHORITY TO REPORT ALLEGED DEBT. ALLEGED DEBT IS BEING PROCESSED THROUGH MISSED SECONDARY INSURANCE. I HAVE WRITTEN CREDIT BUREAU SYSTEMS LLC 5 TIMES TO CEASE AND DISIST. THEY HAVE VIOLATED HIPPA RULES AND REGULATIONS BY ILLEGALLY OBTAINING MY MEDICAL INFORMATION AND DETAILS OF MY TREATMENTS. I WANT ALL THE INFORMATION REMOVED ON TRANSUNION REPORT FROM CREDIT BUREAU SYSTEMS LLC
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 privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX Account XXXX Account XXXX Account # XXXX Account XXXX Account # XXXX AccounXXXX XXXXt Account # XXXX Account XXXX XXXX Account # XXXX Accout XXXX XXXXXXXX XXXX XXXXccount # XXXX Account XXXX XXXX XXXX Account # XXXX Account XXXX XXXX Account # XXXX Account XXXX  account # XXXX Account XXXX XXXX  Account # XXXX XXXX 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 a 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: Credit reporting, credit repair services, 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 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I contacted the credit bureau regarding some accounts that i noticed on my credit report that are open fraudulently. I spoke to a person named XXXX in the fraud department who told me i need to get an FTC report. I sent it through the mail on XX/XX/. I gave it 10 days before to give it some time for it to be delieverd. On XX/XX/XXXX i called and I was told that they received it and its being processed. I still haven't seen any updates on my credit report regarding these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Mn. 55125.My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX, XXXX XXXX, XXXX, Ca.XXXX.Some time ago I opened a checking account at XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX added a feature called " bill pay '' without explaining to me that there were risks involved in having that feature, and they then paid XXXX fraudulently submitted bills out of my checking account without asking me whether the bills were legitimate, which they were not. I was then held " responsible for the " debt '' so created, and reluctantly paid it off as soon as I could, even though it was not my fault. Nevertheless the matter was reported to XXXX XXXX by the XXXX XXXX and XXXX XXXX has been barring every attempt by me to open a new checking account, such as at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and so on, all based on derogatory information from XXXX XXXX  XXXX XXXX XXXX XXXX even closed down my existing checking account based on derogatory " information '' from XXXX XXXX   XXXX XXXX XXXX has no business causing me harm this way, especially since I paid off my falsely create " debt '' so-called to XXXX XXXX XXXX XXXX XXXX and have had no defaults anywhere. I called XXXX XXXX   over the phone but received no satisfactory information from them. They would " disclose '' nothing. They would not answer any questions nor provide any relief. I appeal to CFPB for help with this problem created by XXXX XXXX XXXX and would like CFPB to stop XXXX XXXX from doing all this to damage my reputation. Thank you, and I look forward to a favorable response.
Product: Credit card or prepaid card

Upon checking my credit report synchrony bank have a few cart on my report they are not my cards they are not even under my social security number they all were all Open around the same time. They should have knew something was wrong then now I have to deal with this and no one is helping I have disputed with all three credit companies nothing had happened
Product: Credit reporting, credit repair services, or other personal consumer reports

I was soliciting business with several banks that promised me that there would only be a soft inquiry into my credit report but did hard inquiries anyway. The following companies are : 1. ) Onemain  2. ) XXXX XXXX XXXX 3. ) XXXX  's XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unfreezed my credit report numerous times. However, everytime I apply for credit or a credit limit increase I'm declined because they can't verify my credit reporting information. Transunion keeps saying I don't have a payment history. That's not true. I have 3 credit cards that report to all three credit bureaus. Transunion isn't reporting my credit report accurately and I have a bunch of inquiries due to companies not being able to verify my credit information.
Product: Vehicle loan or lease

This is my second time filing a complaint with this Company.

The company did not issue the correct amount in the refund they sent out. The refund should have reflect the 19 months of XXXX XXXX time. ( XX/XX/XXXX- XX/XX/XXXX, when I paid off the car ) I spoke with someone from the company on XX/XX/XXXX still no update. I have been waiting on this refund since XXXX of XXXX. The company never applied the new APR to my account due to error in their system. ( Each time I called, this was the reason ) The monthly payment difference with the new APR rate was roughly {$78.00}. Therefore, the refund should be {$1400.00} ( $ XXXXx19 months ). My monthly payments were never adjusted on my statements either. 

I did receive the {$430.00} refund, however, that was not the accurate amount. I have spoke with multiple representatives from this company and still no update.
Product: Credit reporting

my bankruptcy is still showing on my credit report. Bankruptcy XX/XX/2004 submission
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. Bureau didn't provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1. This account resulted due to identity theft. 
XXXX XXXX XXXX  Account Number : XXXX Please remove this account from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to XXXX, Experian, and XXXX via mail on XX/XX/2020. 30 days later I received no response so I sent them all my disputes again. We are now toward the end of XXXX and its been almost 45 days and nothing. Not a letter, not an update- nothing. 

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I called Equifax Information Services and Experian to unlock my account so I could check on my credit report they requested a copy of my driver license and social security card and i sent in the information but they have not unlocked the accounts
Product: Credit reporting or other personal consumer reports

hello I have reached out the the credit bureaus ( XXXX, XXXX, and Equifax ) numerous of times about the fraudulent activity reporting. I have also reached out to the creditor requesting proof of the debt but none has been provided. I have also reported the accounts the the FTC. Could you guys please assist me in this situation? I request that the unrecognized accounts please be removed as soon as possible. Thanks for any assistance that you may provide in this situation.
Product: Credit reporting or other personal consumer reports

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following ACCOUNTS XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX... PLEASE DELETE FRAUDULENT UNAUTHORIZED OF REPORTING INFORMATION ON MY CONSUMER REPORT INQUIRIES... XXXX XX/XX/year>, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX. I ONLY LIVE AT XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX PLEASE DELETE ALL OTHER ADDRESSES. I NEVER LIVED AT ANY OTHER ADDRESS. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXXXXXX XXXX NEW YORK XXXX.
Product: Checking or savings account

I opened an account with Citibank on or around XX/XX/2023. I enrolled in an offer with the following terms : if I made {$1000.00} in qualifying debit card purchases and made two or more enhanced direct deposits totaling {$1000.00} or more within 90 days of opening the account, I would receive XXXX XXXX  bonus miles within 30 days of completing the requirements. On XX/XX/XXXX, I received a qualifying deposit of {$500.00}. On XX/XX/XXXX, I made a debit card purchase of {$1000.00}. On XX/XX/XXXX, I received a qualifying deposit of {$500.00}. I fulfilled all the requirements on XX/XX/2023. On XX/XX/2023, a Citi representative confirmed to me over chat that I had met the requirements on XX/XX/2023. Thirty days later, on XX/XX/2023, I had not yet received the bonus miles to my XXXX  account. I followed up with a Citi agent over chat, who confirmed that I had met the offer requirements and escalated my request to the dispute department. On XX/XX/XXXX, I received a response that said they could not give me an update on the status of the promotion because I had to wait 90 days from the date of satisfying the terms. I have since contacted Citi multiple times, with several agents confirming I met the requirements but saying they could not do anything about it. After I escalated my dispute a second time on XX/XX/XXXX, I got another response on XX/XX/XXXX saying I had to wait 90 days. That is far longer than the amount of time guaranteed by the offer terms, which state, " If you fulfill the Required Activities for this offer and are eligible under the qualifications of this offer, then the XXXX  bonus miles will be credited to your existing AAdvantage account within XXXX calendar days from the date you complete all Required Activities. Your Checking Account must remain open and in good standing from the time it's opened until you receive your bonus. ''
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 4th 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : - XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Nissan has a basic manufacturers warranty on their XXXXXXXX XXXX of 3 year/XXXX miles & a 5 year XXXX miles power train warranty. I purchased an extended service contract for an additional {$2500.00}. Today XX/XX/XXXX, I contacted XXXX XXXXXXXX XXXX. The provider and administrator that XXXX XXXX used for the extended warranty. The representative confirmed that I had the platinum plan, which I learned, today, actually started XX/XX/XXXX ( the day I purchased the car ) and is good until XX/XX/XXXX or XXXX miles. Now my vehicle ( a XXXX XXXX XXXX XXXX ( which has XXXX miles ) needs some mechanical work completed. As Im out of the warranty window on both the manufacturer warranty AND the extended warranty I am paying out of pocket. My understanding with extended or the way it was explained to me upon purchase was that when Nissans manufacturers warranty ended, the extended one would kick in providing additional coverage. NOT run parallel to what I already had in place. XXXX XXXX XXXX recommended I contact the dealer and request a refund they could see that I have never used the warranty. I did as suggested. The dealer denied on the basis that I was past the mileage. This wouldnt be the case if it was a true extended warranty. For example ; I have to drive 20 miles one way to work. Thats 40 miles round trip. 5 days a week equals 200 miles which then becomes 800 miles a month. Of course there are other obligations like my kids school which is 390 miles a month or the grocery store, dr. appointments, etc, but you get it. That extra XXXX extended miles for {$2500.00}. Gone. In less than a year AND not even used for car repairs! XXXX deceptively sold a product and unnecessarily overlapped it with their own manufacturers product.