23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was placed into a ( Navient ) payment plan I believe during XX/XX/XXXX and payments were made of {$130.00} from that point up until today. However, during XX/XX/XXXX i received a phone call stating that the program that i agreed to was not the right one any longer so I had to complete the over the phone process again and agree to terms. I then received a phone call in XX/XX/XXXX stating that the program was not the correct program again and I had to do the entire agreement over the phone again. In XX/XX/XXXX I received another phone call stating that I was not in the correct program although payments were still being automatically taken out of my account. I was apprehensive about these phone calls as it seemed every month i was getting a call stating that it was the wrong program, so I waited to see if another payment was going to be drafted as it in fact was. I believed that since payments were coming out, that I was still in the program and i did not receive anything in writing stating otherwise. I then finally received a letter in the mail in XX/XX/XXXX stating that I was now in default and the balance was due of XXXX. The entire time payments were being made and I agreed to the program they advised me on. I don't think it is fair and practical to call three months  straight saying I was in the wrong program although i agreed to the terms and made payments. I need help getting out of the default status and I believe the burden should be on them as they gave me wrong advice and stated that I was in a program for repayment. Thank you! I plan to call again to try and resolve this, however, they are not being as understanding as they should.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my three written request, the unproven noncompliant account listed as XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, as XXXX and XXXX has already removed the accounts and the accounts still remains on my Equifax credit report they are in violation of the Federal Law. In the result of your re-investigations, you stated in writing that you " verified '' that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? Due to their continued willful disregard of the law. I intend to pursue litigation in accordance with the FCRA to seek relief and recover monetary damages that I may be entitled to under Section 616 and Section 617 If the noncompliant, unproven, unverified account is not deleted within 10days. I have filed a complaint with the Attorney generals office. A copy of this complaint and all three certified letters that I have sent your company will be submitted as evidence in the pending litigation provided that you fail to comply with this offer for settlement. The law is very clear as to the civil liability and the rememdy available to me Section 616 and 617 ) if you fail to comply with the Federal Law. please deleted this account Immediately!
Product: Money transfer, virtual currency, or money service

Sent multiple emails over last few weeks, made tickets on site which were instantly closed due to having existing ticket despite no response, have called several times and call disconnects not available.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **TransUnion, LLC** XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, **RE : Dispute of Bankruptcy - XXXX XXXX XXXX XXXX  ( Docket XXXX XXXX XXXX ** **FCRA Section 611 ( 15 U.S.C. 1681 ) Request for Reinvestigation** **CFPB Complaint ID : XXXX I am writing to formally dispute an item listed on my TransUnion credit report concerning the bankruptcy referenced above ( Docket # XXXX ), which was opened on XX/XX/XXXX. I previously filed a complaint with the CFPB regarding this matter ( CFPB Complaint ID : XXXX ). Despite this, TransUnion returned a " verified '' status in the response to my initial complaint. 

Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that TransUnion perform a full reinvestigation of this item. Specifically, I am requesting that TransUnion either : 1. **Verify the source of the information** used to return the " verified '' status in response to my CFPB complaint. It is my understanding that TransUnion did not contact the Federal Trade Commission ( FTC ) to verify the facts presented in my identity theft affidavit. I request that you provide full details regarding the source used for this verification. 

OR 2. **Delete the contested item** from my credit report if proper verification of the information can not be provided as required under the FCRA. 

Failure to reinvestigate and respond within the timeframe specified by the FCRA will place TransUnion in violation of the Act. If you are unable to verify the accuracy of this bankruptcy, I expect its immediate removal from my credit report. 

Furthermore, if TransUnion does not disclose the verification source and continues to report this inaccurate item, I will seek compensation for any credit denials caused by the continued reporting of this disputed item, as such action would constitute willful and negligent noncompliance with the FCRA. 

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

Sincerely, **XXXX XXXXXXXX XXXX XXXX ] [ XXXX ] ---
Product: Credit card or prepaid card

CAPITAL ONE BANK USA Was open on XX/XX/2021 it has a balance of $ XXXX dont know this account..
Product: Credit card

On what I think Was approximately XX/XX/XXXX, I got a call from USAA telling me that I had an outstanding balance on a credit card that was closed in XX/XX/XXXX. The balance was for {$14.00}. They told me that the card originally had XXXX cents and had accrued interest over the last 8 years. I told them that I had closed that account. They said that it was their mistake and credited my account the {$14.00} and closed the account. I asked them if this was going to affect my credit rating and they said that they were n't going to report it to the credit agencies. the following monday I got an alert from XXXX XXXX saying that my credit score went from XXXX to a XXXX. Not only did they not contact me for 8 years to settle the account, but they assured me that the outstanding balance was their fault and that no credit reporting would occur. I feel that I have been unjustly treated and my credit score should n't be affected.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these
Product: Vehicle loan or lease

On XX/XX/2021or around that day I sent via Certify letter to Regional Acceptance Corp a Request of a 1099 C debt cancelation form because They are reporting a car repossesion of a XXXX XXXX XXXX  and acording to the XXXX  and XXXX  Regional Acceptance Corp is reporting an inaccurate and measleding and imconplete Information of US {$11000.00} and on the XXXX  file Regional Acceptance is reporting another inaccurate and measleding Amount of US {$12000.00} wich is a violation and this trade line must be removed or delete immediately from my credit report furthermore today XXXX I received a letter from Regional Acceptance Corp where they are sending me another different Amount of US {$9600.00} wich is another inaccurate misleading and incomplete violation
Product: Debt collection

Sold me a vehicle that does not run. Refused to repair vehicle under warranty. Repeated calls to family members regarding the debt I owe. Refusal to tell me where my vehicle was located while being repaired. Contact more than 2x every 24 hours including to third parties and via Social Media. Threatening to take my property before the grace period of the loan expired. Constantly changing their phone number do that I have no idea who is calling me constantly. Refusal to accept a partial payment and bring account current within 30 days of missing one payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted 3 dispuit letters to Transunion, XXXX and XXXX Disputing 4 accounts asking them to provide proof of accuracy for these accounts. Under the Fair Credit Reporting Act, I was to be provided with proof of accuracy for these acounts within 30 days. However, I recieved no response nor did I recieve proof that these accounts belong to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my husband answered a call from a scammer that claimed to be from Navy Federal, and he gave them confidential information about his account. As a part of that conversation, they took money from him and sent XXXX to me via XXXX, which was tied to my XXXX XXXX XXXX XXXX  account. Due to this transaction, my XXXX account was compromised, and I was locked out. When contacting Navy Federal Credit Union, I was told to contact XXXX. When contacting XXXX, they told me to get Navy Federal. It has been a complete merry-go-round with Navy Federal. They have been very unhelpful, and one person was actually rude. I finally was able to speak with someone in XXXX who told me that the restriction was because of the fraudulent activity on XX/XX/XXXX from the scammer and my email was compromised and that XXXX would have to be the ones to remove my restriction. I contacted XXXX where it all started and spoke with an awesome manager who worked tirelessly for two weeks to assist me ; she reached out to XXXX, to XXXX, and no one would give her any answers. After investigating and researching, she discovered that this restriction was not my fault and removed the restriction from my account. I've reached out to Navy Federal on numerous occasions asking for the same investigation and help, and they refuse to help me get the restriction removed. I even explained that I changed my email so there wouldn't be any more conflicts, and they still refused to assist me in removing that restriction from my account. I do not use XXXX  as my primary banking because it's in Louisiana, and I live in Texas, and it's tough to find branches and someone to talk to in person. I use Navy Federal for all of my primary ( which I no longer want to do business with ) financial needs, and they are now causing inconveniences for me to use at the new banking institution that I've chosen to bank with because of my XXXX is restricted with them as well. I would also like to add that my husband 's XXXX was also restricted, and Navy Federal told him the same thing the restriction can not be removed, but his restriction was removed instantly after the scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unresolved Identity Theft Incident Resulting in Fraudulent Charges and Credit Report Discrepancies Dear CFPB Agents I hope this message finds you well. I am writing to express my deep concern and frustration over fraudulent activity that has adversely impacted my credit report. 

A few months ago, I fell victim to an identity theft incident wherein my XXXX login credentials were stolen and subsequently disseminated on dark web markets. This breach led to unauthorized charges on all the cards linked to my Apple Wallet, including a particularly significant fraudulent charge on my XXXX Credit Card issued by XXXX XXXX. 

The account details for the fraudulent charges are as follows : Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX The total unauthorized charges on this account alone exceeded {$100000.00}. 

Upon discovering these fraudulent activities, I promptly filed reports with both the local police department and the Federal Trade Commission ( FTC ). Copies of these reports were forwarded to the major credit bureaus XXXX, XXXX, and Equifax as part of my dispute process. 

Despite my earnest efforts to resolve this issue and numerous disputes submitted, I regret to inform you that these credit bureaus have yet to adequately address my concerns. Not only has their response time significantly exceeded the XXXX period stipulated by law, but I also believe that a thorough investigation into my case has not been carried out. Consequently, the fraudulent XXXX card is still unjustly affecting my credit report. 

Given the severity of this issue, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you can facilitate a proper investigation into this matter. I am keen to get this fraudulent XXXX card removed from my credit report promptly to prevent further damage to my financial wellbeing. 

Thank you for your attention to this pressing issue. I am looking forward to your prompt response and assistance in resolving this matter. 

Yours sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/1976 SS # : XXXX My phone number is ( XXXX ) XXXX
Product: Vehicle loan or lease

Hello, First of all, thank you in advance for your assistance and help.

Purchased a used SUV from XXXX XXXX on XX/XX/XXXX with a cash down payment of {$10000.00} and a loan from the Bank for {$29000.00} which included an extended warranty $ 5,500+ ). 

After a careful reconsideration, we decided to cancel the extended warranty so visited the dealership on XX/XX/XXXX and told them to cancel the extended warranty and they agreed and assured me that they will cancel the warranty and refund the Bank. 

Almost 5 months later, on XX/XX/XXXX, while checking the balances online for the loan, I realized that there has not been a deduction of the $ amount for the cancelled extended warranty. So I called the Bank and explained my concerns and asked them if they had received any information regarding this matter from the dealership. The Bank had replied that they have never been informed as well as refunded and told me because the dealership had never refunded the money, I have been paying additional interest for the monies I did not have to. 

Tried several times for all day for two days to contact the dealership including the gentleman who had helped me with the loan and the sales manager without a luck.

This has been one of the most frustrating moments and experiences in my life and feel like I have been cheated. 

Please review my case and assist me in resolving this case. 

Thank you.
Product: Debt collection

The usaXXXX CREDIT SITE HAS COLLECTIONS THAT ARE NOT MINE, refused to submit complaint.I asked all three credit bureas. 
I ASKED XXXX TO REMOVE IT, THEY HAVE TECH ISSUES ALL THE TIME.DEBT IN OTHER STATES LIKE  GEOGIA HAS NEVER BEEN MINE.collections, bankruptcys, and morgages.stop putting other DOB on my credit.stop.using other social securities, even one didget off. 
DISPUTE XXXX AND ANY OTHER DEBT WITH CONTRACT CALLERS INC. THE CLAIM TO BE AN ATTORNEY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. THIS OTHER PERSON USES INFORMATION THAT CAUSES THESE THINGS TO BE PUT ON.MY CREDIT, BUT XXXX ALLOWED THESE PEOPLE TO USE MY CREDIT, ALSO THEY ARE TAKING using my social with and different spelling. i dont spell my name XXXX XXXX, i am not XXXX, XXXX or XXXX. I dont live in GA, virgina, alabama, TENN, NEVADA, OHIO also i NEVER owed any lawyers for any debt or bills or bankruptcies. i have none. 
On XXXX, i received a court judicial findings of factual innocence as a victim of criminal identity theft. I am the victim, however the criminal suspect AKA is XXXX XXXX XXXX XXXX, this middle name was the evidence, but they might be using my current name, because the court in XXXX, calif put my info into her case i filed against her and her husband, for using infor not hers, to make others think i was the teacher, but its been her since XXXX, XXXX, ect..arrested for other traffic crimes. they give officers other persons info to evade the law. This court is grossely neglient for not solving this crime knowing now its her and her husband XXXX XXXX, XXXX   XXXX. This is not my husband, i have not been married since XXXXThey became aware this year of the court crimes by these two.. The judge stated i was the victim, but intered my name XXXX XXXX XXXX XXXX , and my DOB so now shes aware. The DA covered up this, so they wont get in trouble for HARASSINGME THE VICTIM, BEFORE I STOOD UP WITH A LAWSUIT AGAIST THE COURT FOR NEGLIENT BEHAVIOR. She is at large, still not arrested for using my information. I am trying to sue, but they never show up. I AM CHANGING MINE AGAIN, AND HOPE MY CREDIT REPORTS WILL REPORT CORRECTLY SOON.BECAUSE OF MY WAGE LOSS.I SHOULD BE MAKING A LOT MORE.BUT THE CREDIT agencies are reporting wrong. These banks are confused, i can not even open an account because the assume its me. WE DONT HAVE THE SAME DATE OF BIRTH SUSPECTS DOBXXXXXXXX.These others have been used at this XXXX, CA court XXXX XXXX XXXX, XXXX.NOT MINE ONLY THE XXXX WAS SIMILAR, BUT NOT THE SAME.STOP THESE TWO. HOPE THE BIRTHDATES HELP YOU. BECAUSE THEY STEAL OTHER DOCS. 
THANKS, MS.XXXX XXXX. WILL BE CHANGING INFO BECAUSE I AM A VICTIM OF INCORRECT ONLINE INFO. As a XXXX, i do not deserve identity theft.
Product: Bank account or service

XX/XX/XXXX, I was called by Fifth Third Bank in the XXXX of XXXX to encourage me to invest money with them for better returns than expected with regular certificate of deposits which were often paying less than 1 % /year at the time. The investment banker recommended a 5 year stock CD offered through XXXX. They told me clearly that, not only is my principal fully guaranteed, but that I would get a return of 7.5 % /yr to 12.50 % /yr depending on the stock performance. There were XXXX stocks in the portfolio. Therefore, they ensured me that 7.5 % /yr return would be the worst case scenario. However, it was clear after the first 6-12 months that there was going to be 0 % return for the next 5 years and I was not allowed to withdraw early at any time before 5 years, otherwise I would lose a part of my principal investment as well. The investment matured on XX/XX/XXXX accruing 0 % interest over the whole 5 year period. In effective, this bank fraudulently took an interest free loan from me for 5 years, at which time they certainly invested or loaned it out to others for high profits, returning only the principal to me! This is clearly a fraudulent investment vehicle with false promises and a means for the bank to get your money for a long period of time without your ability to get it back when you want. They have given me no apologies or explanations for this. This investment vehicle needs to be stopped, the bank needs to be fined or disciplined, and I should receive compensation for unnecessary loss of income. If I had put the same amount in a regular CD at a mere! %, I would be ahead a significant amount of money. This bank is taking advantage of gullible and trusting consumers. They can not be allowed to continue in their same ways!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told if I paid the overdraft balance owned on Account ending in # XXXX that the Chexsystems reported information be removed. The balance was paid XX/XX/XXXX {$420.00} and got my Chexsystem report back in XX/XX/XXXX still shows XXXX  XXXX XXXX reporting the debt. I called today XX/XX/XXXX to XXXX  XXXX XXXX recovery department told them I paid said shows it paid but they can`t remove it from chexsystems before I was told the balance was paid it`ll be removed
Product: Credit card

A fraudulent credit card was opened in my name with Capital One in XXXX, 2024. The first official notice I received that this card existed was XX/XX/XXXX. The letter from Capital One said that there was an outstanding balance of {$3000.00}, and had two missed payments. I immediately called Capital One to report fraud, and was told that they would begin an internal investigation and would follow up with me. I did not hear back from them and called back XX/XX/XXXX after filing a police report. I was told that the card was associated with a prior address of mine ( which I had not lived at in 8 months by the time the card was opened ), determined to be legitimate, and therefore the investigation was closed. I requested a second inquiry and provided them my police report information. I again received no update from them and called again. They told me, again, that the card was determined to be legitimate. The company would not give a report detailing the findings of the internal investigations, or how it reached this conclusion, or steps to appeal the verdict. 

Actions taken by me : -Fraud alert placed -Credit freeze was placed on my credit ( XX/XX/XXXX ). 
-Report filed with IdentityTheft.gov ( XX/XX/XXXX ) -A credit report was obtained from XXXX XXXXPolice report filed with XXXX Police ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XXXX, Pennsylvania XXXX Telephone Number : XXXX Re : XXXX XXXX XXXX XXXX  TransUnion CRA Online Paid XXXX XXXX Account  has the Incorrect Current Residential Address I, XXXX XXXX XXXX ( Complainant ) had ran my online TransUnion LLC ( TransUnion ) Credit Reporting Agency ( CRA ) paid XXXX XXXX report dated on XX/XX/XXXX, for which, displays incorrectly my current residential address as : XXXX XXXX XXXX XXXX XXXX ND XXXX ( See Exhibit A ) instead of : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ND XXXX. 

However, I had noticed onto the XXXX XXXX XXXX XXXX doing business as, XXXX website that offers TransUnion CRA weekly online credit report through their direct hyperlink to which, I am able to connects to my weekly online TransUnion CRA, credit report by ways of TransUnion CRA intranet that displays my correct residential address as : XXXX XXXX XXXX, XXXX XXXX XXXX ND XXXX. 
( See Exhibit B ). 

Therefore, I had attached a copy of my redacted North Dakota Real Identification Driver License Card ( See Exhibit C ) and XXXX XXXX XXXX dated on XX/XX/XXXX ( See Exhibit D ), as TransUnion CRA legal proof or evidence ; in order for TransUnion CRA to update my paid online Credit Monitoring account because I can not dispute through with my paid online TransUnion CRAs Credit Monitoring account.
Product: Debt collection

I dont remember the date but this debt fell off my credit report after 7 years not even 6 months later it reappears on one of the 3 reports in XX/XX/2017 never received any calls or notices in the mail. The creditor in question is convergent outsourcing inc . I dont see how it is legal for them to reopen a collections with out contacting the person who had the debt.
Product: Credit reporting or other personal consumer reports

I've complained to the Consumer Financial Protection Bureau ( CFPB ) about the credit bureaus ignoring my disputes. Even after I gave them proof to fix mistakes on my credit report, they did nothing. This made me stressed and worried about my finances. I want the CFPB to make sure the credit report shows the truth about my finances. I've attached of a letter that I've created to try and dispute these accounts.