23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Ordered a thermostat online from XXXX XXXX tried to cancel less than 24 hours with that seller. As i had to have replaced right away as mine failed when over XXXX degrees outside... contacted By email, No reply, Tried to call them several times never answer phone only get voicemail left messages No reply... never received product only received 1 email confirmation my order .... 
I have filed a fraud complaint with my bank Truist Bank ..they denied me in there favor?? the first time with a letter stating the company has had no dealing with me whatsoever??? Find that impossible as that company can not be reached?? I then called Truist Bank fraud department back gave copies of my emails, copies of pictures of my phine calls to that company. I also went directly to my bank branch with everything. I have had to call them twice so far for update, and nothing is resolved yet.. THEY gave {$81.00} of my money to somebody be debit card or not should get it back. I had canceled that order less than 24 hours and never received refund nor did they send the thermostat either. The bank had to have lied to me when they first denied me so quick as if they spoke to this company that does not answer phone only has voicemail and does not reply to voicemail. It's been just over 2 months, I would think a good bank would take care of there customers? I have since pulled most all of my money from Truist bank including closing a CD which they charged {$100.00} to close early wow bad business. I changed to a different bank. Seriously over {$81.00} they gave it to somebody and need to refund me and take it back from whomever.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX  Date of Inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX. # XXXX Charge-Off came back as being reported factual. However, I disputed this fraudulent account and the file is attached to the Affidavit. This account was reporting as a hard inquiry. However, it's now currently being reported as a Charge-Off account.

1 ). FCR Violation : Under the FCRA ( 15 USC 1681 ), CONSUMER REPORTING AGENCIES ( CRAs ) are required to ensure the maximum possible accuracy of the information they report. Willful or negligent noncompliance with these requirements can result in civil liabilities, including damages and attorney fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was in a car  accident XX/XX/2019. The person who totaled my car was not the owner of the car and between my insurance and gap insurance I was under the impression the balance of the car was going to be taken care of. I never heard anything about that account until years later I was advised it was actually charged off. Fast forward to a few days ago, my bank informed me that my accounts had a levy hold on them for a lawsuit. Called the company that sent the legal form to my bank and they said I was being sued for the XXXX XXXX  balance on the car. I explained to them I have not been working for months and that I was never informed about the debt still being owed or that I was being sued. The gentleman got pretty upset and started saying that they supposedly did inform me and that I owed {$28000.00}. I told him could the hold on my accounts be removed and could I work something out with the original bank, and he said I needed to pay the full amount or come up with a number to have account taken care of. The hold that was placed was actually for a much grater amount ( {$36000.00} ) than what the representative on the phone told me. I even mentioned that to him and he said it was extra legal fees.
Product: Consumer Loan

I am writing with regard to my recently closed lease of my Honda XXXX ( XX/XX/2014 ) with Honda Financial Services. I was under the impression through my dealer that excess milaege would either be waived or reduced and rolled in to my payments upon return of my vehicle and leasing through Honda. 

This was not the case and I was hit with a bill to be paid up front with a courtesy reduction. I was going back and forth between Honda and my dealer regarding the fact that I wanted to roll it in, but I I was not permitted to so and I was financially unable to pay at the time. 
The matter has since been resolved, but I was hit with a late payment on my credit report which I feel should be cleared.
Product: Credit card

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX Consumer Date of XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and XX/XX/XXXX under account number XXXX as well as XXXXXXXX XXXX in XXXX of XXXX, account number XXXX. An auto loan account opened at XXXX XXXX  XX/XX/XXXX under the account number XXXX. Another auto loan opened XX/XX/XXXX with XXXX XXXX XXXX XXXX acount number XXXX. A personal loan account opened at XXXX XXXX XX/XX/XXXX under account number XXXX. Also a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$860.00} that appears related to the aforementioned personal credit card account opened at XXXX XXXX bank. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account charged off. {$15000.00} written off. {$16000.00} past due as of XX/XX/2020. 
Phone Number Unavailable Public Record XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX fcra violations not accurate informations XXXX XXXX Collection account. {$1900.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XX/XX/XXXXXXXX XXXX XXXX, FL XXXX SINGLE FAMILY fcra violations not accurate informations XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, FL XXXX SINGLE FAMILYXX/XX/XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late fdca violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late with that account.
Product: Credit reporting or other personal consumer reports

I want all accounts deleted my information has been exposed in a data breach
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX O - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX  Inquiry Date XX/XX/XXXX.
Product: Debt collection

I just received a notification from my payroll department of a judgment for garnishment in the amount of XXXX. I NEVER HAVE BEEN SERVED OR SENT A CERTIFIED LETTER NOTHING. Had I been notified of this debt I would have acknowledged or objected depending on what the debt is for!! Now my payroll director will be deducting XXXX $ every paycheck. I am a single mother who if I have to pay this along with my other bills and obligations will cause me to lose my house!! I work XXXX jobs and I 'm obtaining my XXXX XXXX. This is illegal! I was never given the chance to to object or even to take care of this debt on my own without getting my corporation involved!
Product: Credit reporting or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts and inquiries that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened XXXX XXXX amount {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00}
Product: Credit reporting or other personal consumer reports

My bank recently offered me a credit card, but my application has hit a snag in that Experian has frozen my credit report. This happened over a decade ago when Experian allowed itself to be hacked, compromising all customers ' information. As part of their settlement, they offered to freeze all credit reports. I took advantage of this, but now regret it as I can not seem to unfreeze my account. This is a repeated situation for me. It arises with every move.

I am told by both the bank and Experians phone line recording to go to the Experian website and unfreeze my account. I do not have my password memorized, and so I request it. In order to prove who I am, I must provide a PIN. Like the password, I do not know this PIN. I am then told that I can obtain my PIN through the phone number they have on record. This number has not been attached to me in over 5 years.

I send them a letter. I detail my situation. I request my report to be unfrozen, and I supply my two current phone numbers, as well as the old number, and then I sit and I wait for them to reply. This time, they sent me a letter stating that there isnt a freeze on my report. They did not offer me my PIN. They did not provide a phone number.

Why does this incompetent, uncaring company have so much control over my life?
Product: Credit reporting, credit repair services, or other personal consumer reports

We were a business client of American Express for almost 20 years with excellent payment history, due to Covid-19 our business was closed in XX/XX/2020 and is still closed, during this time we checked in with American Express twice a month as they required to updated our situation. In XX/XX/2020 Amex closed the account without notice and the account was placed overseas in XXXX with individuals you could not understand, we asked and tried several times to speak with someone in the US, AMEX did accommodate that request, we still continued to call AMEX and update them as we were waiting for funds. To avoid any issues with credit we entered into an agreement with American Express ( Uploaded ) in XX/XX/2020, that clearly states credit will not be affected. AMEX did not honor the agreement and even though this was a business account AMEX placed a charge off on credit with all 3 agencies on personal credit which dropped credit from XXXX to XXXX and has severely crippled our ability to finish with refinancing assets to pay the debt in this Pandemic. We have tried several times to Speak with a US based AMEX Customer Support and each time the call goes to XXXX and with NO RESULTS. thank you in advance for your assistance. Please Help XXXX
Product: Credit reporting or other personal consumer reports

This account has been paid either in full or through settlement.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesnt belong to me. Thank you
Product: Mortgage

During VA refinancing from PHH ( loan # XXXX ) to PHH ( loan # XXXX ) the closing date was moved by PHH. A XXXX payment was not required as closing was supposed to be XX/XX/2016. Closing did not actually occur until XX/XX/2016 because of repeated delays by PHH. Then, because of the 3 day right of recision and a weekend, the loan did not fund until XX/XX/2016 PHH reported the XXXX payment 30 days late on the same day they funded the new loan. I did not miss any required payments.
Product: Credit card

I applied for the CapitalOne Savor Card that promised me that if I apply for the card and spend {$500.00} with it then I would get {$200.00} bonus. 

I did not receive this bonus. 

I called CapitalOne on XX/XX/year> to inquire about it. 

They say the promo applies only to people with excellent credit score. 

I told them it's misleading and when I applied there was a large button to apply and I did apply before to other credit cards and always got the bonuses. 

They are using misleading advertising, I asked them to give me that reward because of these misleading practices but after speaking to a supervisor I understand they remain firm with their view they did nothing wrong.
Product: Credit card or prepaid card

... I probably should have called instead, but have always found the written word to carry more weight. 
I'm simply letting you know that I will not be using your Credit Card account for my billings on PayPal. I consider your APR to be exhorbitant. I would be using it as a means of keeping easier track of a certain class of purchases that I might make each month, and which would normally be paid for at the moment or when due at " month 's end ''. It hasn't been that long since the appropriate APR for such an account would be less than 6 %. I see no reason, other than corporate greed, that would call for such an inappropriate rate as you are asking. 
Good luck finding anyone XXXX enough to get tangled into these kinds of deals ; there should be a way to prosecute you for over charging honest citizens.
Product: Credit reporting or other personal consumer reports

This is my first 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, TX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$93.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXXXXXX XXXX XXXX  Balance : {$540.00} XXXX XXXX Balance : {$93.00} XXXX XXXX XXXX  Balance : {$490.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$530.00} XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$550.00} XXXX XXXX Balance : {$93.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$230.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX
Product: Student loan

I consolidated my student loans and applied to SAVE. I was told by MOHELA I was successfully enrolled in SAVE on a phone call after I received an initial bill after consolidation. The injunction happened, and I received a bill from MOHELA stating I was in standard repayment. I was accruing interest which shouldnt have been happening, then I was told to apply on paper for idr which I did, and a month later Im still on the standard plan and theyre trying to bill me. Ive accrued over {$7000.00} in interest that should have happened at this time due to the interest freeze that was supposed to happen if I was enrolled in SAVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 

I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements