23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report from XXXX auto-this car was stole off the dealership while I was signed my contract. I was told that the loan would not fund and that I wasn't responsible for the car. Well, the dealership did fund the loan with XXXX auto and I tried everything to get this loan undone. I filed a police report three years ago, tried to put the car through my car insurance, and I tried to help XXXX  get the car back-but I couldn't get anything done. I had great credit and didn't want to have this account report negatively, but I didn't have a choice. I filed all of the fraud paperwork that XXXX  told me to do and submitted it. I thought it was done, because I didn't hear anything from XXXX. 
I started the process to get a home and this account is showing on my credit. I once again filed a fraud aff, through the FTC fraud website, I was very specific in my filing. XXXX and XXXX XXXX has blocked/remove this debt off my credit and all three blocked/removed it off my husbands. But Equifax refuse to remove/block the debt off my credit report. They tell me that it's not fraud because I can't produce a police report. And I can't get a copy of the report, because XXXX pd didn't accept the complaint because the car was never in my name. And now XXXX is trying to collect a debt that is Fraud!!!!
Product: Credit card or prepaid card

Hi i requested a dispute on XX/XX/XXXX for services i paid for but were not provided to me. 

On XX/XX/XXXX and after calling several times on XX/XX/XXXX, XXXX XXXX bank said there is no way they can help me with a dispute because the transaction was done with Square and XXXX XXXX don't have any dispute rights that the only company that could help and i should call is Square. I called Square and they said is incorrect that they were not able to help and this is something XXXX XXXX has to dispute, i kept calling XXXX XXXX and they keep referring me to Square since they are the only company that can fix this according to them. 

Square and XXXX XXXX are both violating my rights and they just dont care, XXXX XXXX said they dont have dispute rights. I was a victim of a fraud, if Square is the one that has to initiate my dispute i need them to help me with this and i need your help also.
Product: Payday loan, title loan, or personal loan

Hi, My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX Texas XXXX. The nightmare begins XX/XX/2021 when I agreed to solar energy with a company XXXX who is now out of business and their lender partner Mosaic XXXX XXXX for solar energy systems. In XX/XX/2021 XXXX sent a group out to install panels on my roof and that was all, they locked me with the panels and I was paying in good faith thinking I was going green here in the near future but it turns out that theirs been no permitting done not anything but the holes in my roof now! I've waited and waited for them to return, I've called left messages I've reached out to XXXX  numerous times in email and by phone and no response. I've tried to go through Mosaic to try to get through to XXXX and nothing. Mosaic has sent me to collections for default but both XXXX and Mosaic are the ones in default. I've asked Mosaic to cancel the loan but Mosaic is telling me that I have to cancel through XXXX ( why!?! ) who is now out of business and has left no line of communication to even try that. My credit score has been impacted by this scam and fraud ordeal and I now receive these letters from Mosaic about being in default under the Solar Loan Agreement and that they reserve the right to disable my solar equipment THAT I NEVER RECEIVED! and now like I mentioned my credit has been negatively affected and I should not have to pay for something I never received and I believe that this should be removed from my credit report as soon as possible. Please help me in getting this resolved. I've reached out to all 3 credit bureaus already in the attempt to clear myself and to just make a claim in my defense. So my hopes are to be cleared of the false claims by Mosaic to the credit bureaus that I'm in default and to get loan with Mosaic cancelled for breach of contract. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX ( Items for dispute ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dear CFPB, My name is XXXX XXXX XXXX XXXX, a resident of XXXX, Florida, and the owner of a business account with Fifth Third Bank, originally opened at their branch located at XXXX XXXX XXXX XXXX, XXXX, Florida. I am writing to formally file a complaint against Fifth Third Bank due to an alarming and unaddressed error in my business account balance, which has shown an incorrect negative balance of - {$490000.00} for more than XXXX days as of today. 

This substantial and erroneous balance has directly impacted my ability to conduct any transactions, including essential business operations. The situation has severely harmed my businesss financial standing, limited operational capacity, and damaged my professional reputation with clients and partners. 

Attempts to Resolve the Issue : I have made multiple attempts to contact Fifth Third Banks customer service over the phone, but their XXXX support system has repeatedly prevented me from reaching a live representative. This lack of human assistance in urgent matters raises significant concerns about the reliability, accessibility, and security of their customer service system. This prolonged inaccessibility has left me without any clear resolution path and further exacerbated the impact on my business operations. 

Supporting Documentation : I have documented all attempts to contact Fifth Third Bank and the dates reflecting the issues duration. This situation not only indicates a potential systemic error but also calls into question the banks internal security and risk management measures. 

Requested Resolution : I am requesting the CFPB to intervene by : Urging Fifth Third Bank to immediately review and correct the erroneous negative balance in my account. 
Requiring Fifth Third Bank to provide a direct point of contact ( i.e., a representative ) for urgent business matters. 
Ensuring Fifth Third Bank takes accountability and implements stronger safeguards to prevent such errors from occurring in the future. 
Impact of the Issue : This situation has had profound negative effects on my businesss operations, revenue flow, and credibility, which are critical to my livelihood. I am concerned about the lack of urgency from Fifth Third Bank to address this issue, and I hope the CFPB can support a fair and prompt resolution. 

Thank you very much for your time and consideration of this serious matter. I look forward to the CFPBs guidance and assistance in resolving this issue. 

Contact Information : Full Name : XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Checking or savings account

I ordered a {$250.00} 2 piece set from XXXX a website from a individual seller who scammed me and never sent the clothing, reported to my bank the fraud transaction on XX/XX/XXXX and made a claim and havent heard from PNC bank since or gotten my money back. The merchant company XXXX emailed me and stated they accepted chargeback but still no money from them or PNC. 
The PNC claim # is XXXX and the department number is XXXX XXXX XXXX
Product: Credit card

My name is XXXX XXXX, and a card in my name, attached to my Social Security Number was breached by Identity Theft, resulting in fraudulent charges and transactions causing fees and financial damages to me as the victimized consumer. Capital One, the violating Creditor, refused to close the card opened in XXXX XXXX  and allowed the transactions to continue after I alerted them of the fraud. They fraudulently reported this account to the Credit Bureaus and have destroyed my Consumer Profile and Credit worthiness. Capital One has violated my rights and Federal Law under the FCRA Regulations and Statutes. No proof or valid evidence has ever been provided to verify this fraudulent account and I never signed or authorized for this card and these fraudulent transactions. Therefore this fraudulent and now Charged-Off account with a total balance of {$1500.00} must be deleted from my Credit Report immediately. I intend to pursue to the fullest extent of Litigation in the Courts of Law against Capital One and any reporting agencies that fail to protect and correct my Consumer Report from fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX s ) that I have made. It is the result of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2019 Issue : Experian - Customer Services, no live person to discuss a freeze dispute. Need help to resolve a security freeze ; I dont want to remove it but the freeze is not working. Experian does not have a number to resolve this. The website for customer services -- the page is not found. Companies are able to review my credit even though I have a credit freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX  credit and was declined and when I got the letter the reason why I was declined they listed information thats not on my report like BK and late payments and charged off account, but I dont have any of that on my report, called XXXX and they told me the got the info from my report with XXXX XXXXeporting agency, called them too many times first voice mail no one answer then finally someone answer and they said it could be that my file mixed info with someone else, I asked them to remove the info and correct the problems and they wont, I asked to file Dispute they want my SS card and my ID to file Dispute!!!!!!!! I sent th fax with Dispute but no correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported all 3 major credit bureaus TransUnion, XXXX, and XXXX that the collection from XXXX in reference to XXXX XXXX has serval inaccuracies. Transunion is reporting a date of last activity XX/XX/XXXX, XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX all different dates across the 3 bureaus. Also Transunion is reporting an account status as open and this is a collection account it can not have an open status. XXXX and XXXX are reporting on account status as closed and again different and inaccurate across the bureaus. These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without paying a high interest due to these inaccuracies. 
XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX High Balance : {$400.00} {$400.00} {$400.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$400.00} {$400.00} {$400.00} Closed Date : -- -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Collection Services Other Collection Agencies Other Collection Agencies Account Status : Open Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Account informationdisputed by consumer , meets FCRArequirements Customer disputedaccount - reported bysubscriber.

Consumer disputes thisaccount information Affected by naturaldisaster Subject has not satisfieddebt. 
Original Creditor : XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type :
Product: Credit reporting or other personal consumer reports

I am writing to bring a pressing matter to your attention regarding the Credit Bureaus ' failure to delete erroneous accounts from my credit report. Despite multiple complaints I have previously lodged, it seems that no action has been taken to rectify this issue. I kindly request your immediate intervention and reinvestigation into this matter. 
Over the past few months, I have diligently reported several accounts on my credit report that are inaccurately listed and do not belong to me. These errors have had a detrimental impact on my credit score, hindering my ability to secure loans or obtain favorable interest rates. Despite providing all the necessary documentation and evidence, the Credit Bureaus have failed to take appropriate action. 

XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX I understand that the mission of the Consumer Financial Protection Bureau is to ensure fair treatment for consumers, and I firmly believe that my case warrants your attention. It is disheartening to see that my previous complaints have not yielded the desired results, and I am now reaching out to you in the hope that you can help resolve this matter. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : on consumer reporting agencies may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than Seven years.

I understand the importance of your time and the numerous responsibilities the Consumer Financial Protection Bureau holds, but I sincerely hope you can expedite this reinvestigation to ensure a swift resolution. My financial well-being and future opportunities depend on the accuracy of my credit report, and I trust in your ability to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year there have been hard inquiries placed on my report that I did not authorize. After reaching out to the credit organizations they still have not fixed the problem nor deleted the requested information after several attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has put a late payment on my credit from XX/XX/XXXX. I was hospitalized for that entire month and the payment had been sent via mail however they had not processed and I had no notifications. Once out of the hospital everything got cleared up however they still hit me on my credit report as a late payment, I have never had late payment with them and still have the account open. The account has been established since XXXX XXXX XXXX has put 2 lates on my credit report XX/XX/XXXX and XX/XX/XXXX. I was involved in a lawsuit and in order to accelerate and end the lawsuit I was forced to not pay the mortgage as the other party kept making me make payments for a house that was no longer mine. We had an agreement with the party that title will be moved over at his name and he would take the mortgage and refinance me out within 6 months. I had no interest on the property and the other party needed to get it off my name. It went 6 months or more and nothing was done so I had to do a lawsuit. The mortgage company was aware of this and said its ok. Now I am hit on credit due to this issue.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXX XXXX XXXX, 2016 Ref # : XXXX To Whom It May Concern : PRA I would like to dispute the following item on my credit reports : XXXX and XXXX XXXX Portfolio Recovery XXXX Partial account number : XXXX. 
Opened XXXX, my credit report shows a late payment in the amount of {$92.00}. As of now CHARGE OFF XXXX/XXXX/2016 However, I have enclosed copies of my cashier check purchased on XXXX/XXXX/2016 and forward via USPS overnight as payment on XXXX XXXX 2016. Payment was made in full amount of {$93.00} when the balance was {$91.00} at that time. 
See attached clearly show my payment ( Cashier Check ) for XXXX XXXX, 2016. The XXXX XXXX XXXX XXXX has verified the Check was posted for Payment Additionally, it appears that the same matter is being reported twice as a double/damaging. I say strongly state again the full amount was forward ( PD ) to XXXX of {$600.00} as payment as XXXX requested. There was not notice by either party at that time the account was sold or transferred. PRA placed additional charges on the XXXX Balance placing demands after payment was made and forward to XXXX. I contacted PRA and made inquiries / concerns there was no notices or request for payment stating the matter had been sold or transferred to them was forward to me at XXXX XXXX XXXX XXXX, LA XXXX. I was told that they do n't send them out. Then I was transferred to a PRA manager who attempted to clean that statement up. After that conversation and it being placed on my credit reports notices was forward via the mail to my address. 
I dispute the most recent change to Charge Off being report by PRA. It 's a paid matter in Full as of XXXX XXXX, 2016 payment was made overnight and received checking the tracking number given by the XXXX XXXX. Also the Credit Union states the Cashier Check shows payment / cashing by PRA 1. XXXX : Charge Off : # XXXX ( Reporting ) Not PAID 2. PRA : Charge Off / Dispute payment was made prior to reporting being made to the 3 Bureaus : XXXXXXXX and XXXX under # XXXX Please correct and I am requesting updating this as soon as possible as it 's incorrect reporting via the Bureaus. Thank you, XXXX XXXX XXXX
Product: Debt collection

NOT MINE, NO CONTRACT, NOT LIABLE, UNVERIFIABLE This account is claiming I opened it 23 years ago.I 'M XXXX which mean I opened this account at XXXX XXXX XXXX. This is not my account please remove it. I sent several letters and received no return response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX illegally reported Financial Transaction to all credit reporting agency resulting in damages to me the consumer and my credit report and violate my privacy according to the Privacy Act of 1974 and faild to report pay as agreed when payment was made in full and wrongfully charge off the account and closed it even when the account is showing open
Product: Credit reporting, credit repair services, or other personal consumer reports

NO THROUGH REVESTINGTON HAS BEEN DONE IN THIS MATTER.I HAVE PROVIDED COURTS DOCUMENTS AND COUNTY RECORDS TO HAVE THE MATTER RESLOVED.SEVERAL TIMES WITH NO RESPONSE.
Product: Mortgage

Predatory practices of Rocket Mortgage on XX/XX/XXXX. After providing extensive personal financial information, refusal to provide rate quote and then refusal to provide fee quote in federally mandated form. Requested that they provide the quote in this form and was refused until after I completed a full application in writing after already providing full application orally over the phone.
Product: Debt collection

I am writing to you today regarding the NAVIENT SOLUTIONS , XXXX account, Account # XXXX, Date Opened XX/XX/2005, Balance {$1200.00} and send you my notice of intent to suit. Your company has committed the following damages : legal advice expenses, not being able to obtain {$10.00} XXXX loan, emotional stress, and multiple violations. 

1. Inconsistent reporting across bureaus.

2. Failure to remove rehabbed account off credit report.

3. Negligence.

4. Breach of contract.

5. Reporting false and erroneous information. Violation to section ( 609 ) of FCRA 6. Missing CA Notice : Failure to provide notice of late payment insertion required by California Credit Reporting Act.

7. Reporting adverse/negative information without a warning notice. Violation to section 623 ( A ) ( 7 ).

8. Failing to provide notice after negative information was reported.

My demande is delete the entire tradeline reported on this account and send me a response.
Product: Vehicle loan or lease

Refund all my money owed to me from all the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Tennessee, XXXX Tennessee, and the shareholder in XXXX Alabama, all are run the same,. I PURCHASED a XXXX  XXXX XXXX see on XXXX I paid the insurance company XXXX XXXX XXXX XXXX XXXX XXXX the agent, XXXX XXXX XXXX the sale 's person at the XXXX XXXX XXXX in XXXX sold me a defaulty car with bad mechanical parts no keys was set up nor it had a purged/blocked evap-emission system and my transmission was slipping l. I read the contract front to back I showed up and I called constily he never resolved the problem he just told me don't worry about it. I could of died. I'd have two to three insurance on my side at that procise time XXXX XXXX, XXXX, XXXX XXXX. And still got OVERCHARGED with FULL COVERAGE INSURENCE. WITH AN UNFAVORABLE NOTE ON MY STATEMENT I WASN'T EVEN SUPPOSED TO DRIVE OFF THE LOT.
Product: Credit card

I had a cash advance offer on my Citicard credit card which expired on XX/XX/2017. I paid the balance in full on XX/XX/2017 however when I received my statement today there is still a balance for the cash advance of {$370.00} which not certain why if the balance was paid in full. Statement billing period was XX/XX/2017 - XX/XX/2017 and I did have other purchases during that time but if I paid the outstanding balance in full why is there still a balance reflected in the special offer?