23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XX/XX/XXXX paid {$2500.00} to finance XXXX XXXX XXXX ... this financial company work with individuals with bad credit or low income. The cars are old and have high mileage ... my car keep overheating and stalling. It been in shop for almost a month now. The finance of course still want me to pay loan. Im willing to keep paying if they can help me negotiate some type of solution so i can stay on road and be able to get to work. I still owe {$4900.00} on a car that only worth XXXX.
Product: Credit reporting or other personal consumer reports

The list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ; I did not give any written instructions to furnish my account, to these listed accounts mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : 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 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.
Product: Credit card

American Express has always been a good company to me for over a dozen years and have never had any problems until recently. My wife 's card information was stolen on XX/XX/2023 card was stolen and charged XXXX on XXXX. Then the next day XX/XX/2023 another three charges were made XXXX XXXX XXXX XXXX XXXX  for XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX for XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  American Express called and informed me of these fraud charges. All of these charges were removed as fraud except for the XXXX. We disputed this transaction repeatedly and even filed a police report about this fraud charge. All other fraud charges were removed except for XXXX charge. American Express claimed that used correct zip code, so it wasn't fraud. I am unable to verify exactly what happened as it was my wife 's card, but I know she didn't make these charges as she doesn't buy things on the internet as she can't see to do so ( she is visually impaired and it is possible that someone could of stolen her card details ). She really only makes charges in person and American express knows this with her history of purchases. Usually she is with me when her purchases are made. She did not make this charge and American Express claim of 100 Percent fraud protection is just a lie.
Product: Student loan

XX/XX/XXXX - student loan paid off, letter attached, XXXX XX/XX/XXXX- Contacted by XXXX XXXX about my loan, letter attached - XXXX XXXX XX/XX/XXXX - signed intent to pay under threat by XXXX XXXX to Attach pay XX/XX/XXXX- found XXXX Letter of proof of payment in XX/XX/XXXX, letter attached - XXXX XX/XX/XXXX- Mohela obtained loan contact via letter for payment transfer XX/XX/XXXX - Contacted DOE - XXXX XXXX XXXX, Faxed to XXXX Case # XXXX my documentation of proof of payment of loan. Received a call in XX/XX/XXXX about the same matter from XXXX XXXX. Did not realize she had spoken to me. Asked her what she had done to date. Response was she would get in touch with Mohela about cancelling debt collection and clear credit. Have never received any information in writing or phone call back concerning this matter. XXXX XXXX XX/XX/XXXX- Contacted CFPB regarding matter XX/XX/XXXX - Received response from Mohela that was not satisfactory. I want copies of my loans and pay off dates and schools, etc. - XXXX XXXX Legal action pending the outcome of this filing and FCC Complaint also with Department of Banking debt collection practices.
Product: Debt collection

Security credit service I attempted to contact the company and let them know this is fraudulent activity on my credit report. I did not take this like of credit out. An ex friend of mine took my information and opened a line of credit. I also reported to dispute.transunion.com. this is NOT my debt.you can check the cameras at the establishment this line of credit was taken out at.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes by means of a Credit Repair Organization XX/XX/XXXX, Transunion has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX CO XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX AU XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX not mine
Product: Checking or savings account

Hello- and thank you for helping me. 
I want to start by saying that I have tried to close my account with PNC bank at least 4 times-now. I have never known them PNC to be as unprofessional and playing hardball as they are now. I have closed my account -yet they keep it open. It was first closed early XX/XX/XXXX and the teller told me that early the next morning they would close it, but some disputes was on it, in 2 weeks - I went down town DC to the PNC Bank and was told about the disputes, so I waited 2 more weeks-when the disputes were closed because the company wrote me and said they did not want any funds. PNC has an auto machine that answers the phone and is programmed to hang if the caller does not have a bank code. I had cut up my debit cards already and was not using the account because I thought it was closed. I went downtown to the DC PNC Bank again last week XX/XX/XXXX and it was still open, all disputes have been closed, and I told the young lady that it was suppose to be close- she told me the same-thing as the last teller- in the morning they will close it. I think PNC has gone crooked or loss their minds- please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

There are things showing up on my credit numerous of times. Also wrong information inquirys I didnt do mail In forms I didnt do either.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX  had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation. XXXX XXXX Why is this information verified as accurate deleted and they left 5 remaining on my account that does not belong to me? Explain. See document attached -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- - ADDRESS DOES NOT BELONG TO ME. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 < -- -- 5 ACCOUNT REMAINING ON MY REPORT DOES NOT BELONG TO ME!
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX OLD ACCOUNT NUMBER : XXXX NEW ACCOUNT NUMBER : XXXX To Whom It May Concern : I purchased a 3 piece living room set on XX/XX/XXXX from Wayfair for {$1600.00} on account number XXXX ( see attached statement showing purchase ) In XX/XX/XXXX Commenity changed my account number to a new account number XXXX. 

One year later on XX/XX/XXXX I was issued 2 refunds from Wayfair, due to the furniture falling apart, to my OLD account number XXXX for the amounts of {$1300.00} and {$280.00} for a total of {$1600.00} ( see attached refund confirmation from Wayfair ). 

The refunds have not been applied to my balance as of today XX/XX/XXXX. 

I have submitted 3 disputes : 1 online on XX/XX/XXXX, one via phone on XX/XX/XXXX, and also mailed in a dispute letter on XX/XX/XXXX. All disputes were opened and closed by you with no investigation at all. 

Please apply my refunds {$1300.00} and {$280.00} for a total of {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX, - XXXX XXXX Account # XXXX,, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX  XXXX Account # : XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX Account # XXXX, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE
Product: Debt collection

I XXXX XXXX recently received a collection notice from XXXX XXXX XXXX , XXXX. The collection letter states that the original debt was with XXXX XXXX. I do not dispute that I had a credit card with XXXX. What I find as a problem is that I never received notice from XXXX that the debt was purchased. What I am entitled is a copy of the actual assignment of debt by XXXX to JH Portfolio Debt Equities , LLC. The Federal Trade Commission has made it clear on debt assignments, and how all collections without due process on validation has riddled the debt collection business with millions in fines and dozens of class action lawsuits. I have been recovering from XXXX over the past three years. I have had to drain my 401K and have struggled to work consistently. XXXX XXXX knew of my health issues, knowing that I was going to file for bankruptcy protection. The debt buyer was duped taking a debt that simply can not ever be paid. I believe that the assigned collection should be proved first showing an actual assignment of debt, and secondly the debt buyer should give the debt back to XXXX XXXX and be totally forgiven based upon my physical hardship. This collection is not valid based upon the lack of proof that it was ever assigned or purchased. The debt should be forgiven or I will have no other option but to file for personal bankruptcy.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. A 1681 et seq. I have recently become aware of the lawsuit involving Equifax and Experian regarding their failure t comply with the FCRA, which has raised serious concerns about the accuracy and reliability oi the information reported by these agencies. 

Specifically, I am disputing the following accounts : XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$920.00} Status Collection account. {$920.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Collection account. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1100.00} XXXX XXXX account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$370.00} XXXX XXXX account. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$370.00} XXXX XXXX account. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$250.00} Status Collection account. {$250.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$580.00} Status Collection account. {$580.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$270.00} Status Collection account. {$270.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$250.00} Status Collection account. {$250.00} past due as of XX/XX/XXXX. 
Important Messages
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I attempted to contact Home Depot to remove me as an authorized user on account ending in XXXX that was opened on XX/XX/XXXX with a balance of {$1300.00} and a min. payment due of {$29.00}. I am not aware of obtaining authorization to be an authorized user on this account. All of the representatives at Home Depot were very rude, even when I escalated to management. Please remove me from this account. I already have my own Home Depot Credit card and this is reporting on all three credit bureaus.
Product: Student loan

My student loan is currently in deferment. I would like to end the deferment and be placed on an " extended graduated '' payment plan. I work full-time for the XXXX XXXX XXXX XXXX a week and have sufficient stable income. The student loan servicer told me that they can not put me on a payment plan because I am currently in school ( I take classes online during nighttime for a XXXX XXXX XXXX  ). They told me I can make payments at any time, but they can not put me on a payment plan. This situation is causing financial hardship for me because I am unable to refinance my mortgage because XXXX assume that my payments would be 1-2 % of the outstanding balance, which would be at least $ XXXX  monthly. If I could get on the extended graduated payment plan then my payments would be only {$330.00} / month and my mortgage refinance would save me over {$600.00} per month. I also would qualify for student loan forgiveness after I make 120 " scheduled '' payments. Payments that I make during deferral do not count, so I am losing money on this as well. All I want is to get on a payment plan and have monthly payments scheduled from my servicer. The servicer said it would be illegal for them to put me on a repayment plan while I am in school ( even though I request it ). I can not believe that that is true, especially since this is causing me to lose a lot of money.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquires and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.
Product: Debt collection

I paid {$64.00} for cloth in XXXX using my Debit card, which i have receipt till now. 

After 2 months they send my personal account details and SSN and DOB to collection agency for charging debt which i never owed. Since last 4 years they added {$270.00} with some interest. They are keep sending mail and calling to me. I was not able to find what was the issues, XXXX / XXXX never helped me to resolve this issues. My credit history messed up because this fraud or some kind of illegal process by XXXX. 

I have chat history with XXXX customer support. I want to file case against XXXX / XXXX 

XXXX share my personal identity to XXXX different collector agency which is here below, 1. XXXX - call @ XXXX / fax @ XXXX / XXXX - XXXX XXXX. Northland group - please find attach document 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX | MO | XXXX Tel : XXXX Fax : XXXX Web : XXXX | Email : XXXXXXXXXXXX Regards,
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : late payment XXXX XXXX XX/XX/XXXX {$640.00} Credit Card XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$8600.00} Auto Loan inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX personal information Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item from XXXX XXXX XXXX XXXX that is reporting on credit file, that is unknown to me and I do not owe {$870.00} this is false information.
Product: Debt collection

Had checked my credit report in XX/XX/year> and seen that this was in my credit report. Disputed it with the company, as I have no knowledge of the account. I am not responsible for this collection. Please provide me with account details, proof of address and a copy of the account owners Identification Card. I did not open this account.
Product: Checking or savings account

Wells Fargo had ridiculous overdraft fees for me I XXXX time was over drafted XXXX XXXX and no lie XXXX it was their overdraft fees and they dropped their fees but closed out my account when I attempted to pay back what I was behind
Product: Debt collection

I received a letter today informing me that this company is no longer servicing my account, yet it still shows up on my credit report. I would like this company to reach out to all three credit reporting agencies and request the removal of this account from my credit report. It has been affecting my ability to obtain credit for over six months. Please ensure it is removed from my credit report. 

Also, the state they have is FL. I have never lived in Fl.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate, incomplete and unverifiable information. I have given them plenty of opportunities to fix the error but they allow their disputes to be completed by an automated machine and as a result i have suffered with inaccurate information on my credit profile for a very long time. This is a blatant disregard for the FCRA and the " reasonable '' investigation to be conducted by Equifax. This has likely cost me thousands of dollars in interest payments. 

I am requesting Equifax to complete an actual investigation and remove the following items from my credit profile : 1. " XXXX 's XXXX XXXX '' - Account opened XX/XX/2018, has a balance of {$200.00}. Original creditor listed as XXXX XXXX XXXX XXXX To date I have not been given proof of what this debt is nor of my agreement to pay. I have allowed Equifax more than 30 days to produce the information and they have failed to do so. As such the account is to be removed from my credit report by the FCRA. 

2. Ch XXXX Bankruptcy - Equifax cites the source of this information as XXXX. I have contacted XXXX and they have confirmed that Equifax has not contacted them to verify the information. They have also confirmed that they do not share this information with Equifax. As more than the time allowed has been provided, this public record is to be removed from my credit report by the FCRA. 

3. XXXX XXXX XXXX - Reporting a balance of {$5500.00} - I am not responsible for this account. XXXX has agreed to remove this account from the credit reporting agencies, yet Equifax continues to report this account. Please delete this account from my credit report. 

4. XXXX XXXX XXXX - Reporting a balance of {$390.00} - I am not responsible for this account. XXXX has agreed to remove this account from the credit reporting agencies, yet Equifax continues to report this account. Please delete this account from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$2000.00} to myself through XXXX to my acct in XXXX XXXX. I chatted with XXXX to let them know I had noticed a mistake in the bank acct number. They stated the money had been delivered yet it was not showing in my account in the XXXX XXXX. I have already contacted both compliance departments at XXXX XXXX XXXX and XXXX which I spoke to the head of the money transmissions division who couldn't find the transaction registered on his system either with my name or my phone number. He told me to tell XXXX to contact him directly ( which they didn't do ). When I first contacted XXXX to present the claim, the stated they would escalate to the escalation team which would reach and let me know of the status. Every time I have called, I receive the same answer and nobody calls me back. MY previous 2 caslls I spoke to supervisor XXXX who told he would call me back by the end of the day but never did either. I am still waiting on an answer from anyone at XXXX. There is also misleading information since the XXXX  system states the funds were delivered yet the money is not yet available ( images uploaded ).
Product: Credit card or prepaid card

On XX/XX/2021, I noticed a transaction of {$9.00} for " XXXX XXXX XXXX '' in the Capital One app on my phone. Since I have never been to this restaurant, I clicked on the charge and saw that the transaction was made on Sunday, XX/XX/XXXX, and posted on Tuesday, XX/XX/XXXX. I immediately called Capital One and notified them of this charge and told them that I have never been to this establishment. Capital One promptly closed that credit card and said I will receive my new card in the mail. 

Today at XXXX XXXX ( XX/XX/XXXX ), I received a notice from Capital One saying that there was no indication of fraud since they found insufficient evidence. I then called Capital One, asking what evidence they collected. I was told that since I did not report the card lost or stolen, they could not prove that it was a fraud because the card was physically present at the time of the transaction. 

I asked the fraud representative at Capital One, asking when exactly the transaction was posted. I was told it was processed on XX/XX/XXXX ( Sunday ) at XXXX XXXX. Also, I was told that the card was physically present at the time of purchase. I notified the representative that the restaurant does not open on Sundays and during the days that they operate, ( based on XXXX and their website ), they close at XXXX XXXX. 

After notifying this discrepancy between the hours of business and the time of the transaction, I was again told that Capital One could not help me out in this case because I had physical possession of the card. I asked the representative if they could direct me to another department that doesn't deal only with fraud. I was told to contact the dispute department only if the vendor does not reverse the charge.