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

Hey I haven't authorized these hard inquiries on my credit report please help me remove them as they are affecting me.
Product: Credit card

The credit card from Capital One was opened without my consent or knowledge. I got a notification at XXXX XXXX  ( PT ) on XX/XX/year>, regarding a new inquiry ( hard credit check ) and also got an email a few minutes later about getting approved for a Capital One Walmart reward card. When I was trying to access the document regarding this application, my personal information wouldn't match with what was provided on the application since it was opened fraudulently. As soon as I checked my email around at XXXX ( PT ) on the same day, I called Capital One to report this fraud and deactivate the account. They were asking for the mailing address of this credit card and it was unmatched which is how they figured that it was fraud. They deactivated and closed the account for me and told me that they would go through the investigation. However, they wouldn't provide me with the unmatched address and phone number that was used for the application. Instead, I was told to make a report to the Federal Trade Commission and it redirected to the CFPB from there.
Product: Vehicle loan or lease

I currently have title loan for my vehicle. I have constantly gotten calls of harassment from the office threaten my vehicle would be repo. If I am week late or two weeks late. Recently had a company that was willing to buy out my car. With XXXX I had my car auction off. Contact the title max company advise the XXXX regarding a 10 day payoff. XXXX fail to provide the appropriate amount. Which then my deal fail through at the time of drop off. The general manager and the Store manager call titlemax that day on Saturday XXXX of XXXX and was told that she could not provide them what they needed at the time. I even called and could not get her to provide me the 10 day payoff. On Monday XX/XX/23 I get a phone call from title max I answered the call dead silence. I called back after the call and XXXX answered the phone I asked her why did Hangul on me she state she did not hear me. My property manager was here in the office when these calls were being made. Upon speaking to aylissa she proceeded to tell me that if I had not brought a payment in she was going have my car repo. I then proceeded to ask XXXX why had she not provided the 10 day payoff that I asked her for on Thursday XX/XX/23. She said she could but then would manual a 10 day payoff. I loss the deal with the company do to her negligence and on top of that she called me right on Monday threaten to take my car. I then proceeded to call corporate regarding the issue. Which they redirected me to XXXX advise them I did not want to speak to her I wanted to speak to her superior. I finally spoke to XXXX who is her boss no result only apologizing saying we hold off until next week of payment. Which at this point in time is not a solution. I am very distraught with the harassing phone calls which on several occasion XXXX has threaten to pickup my car and it hasnt been a 30 day window to do so. I have asked XXXX on several occasion to transfer me to another store where she has refused. I even attempt to sale my car with no avail was not able to because she purposely did not provide proper documentation. I pay over XXXX to XXXX dollars already on this vehicle with a pay of XXXX. Which at this time is too high. Not to mention ot does not hit the principle of the loan. I want something done this has mentally stress me out where I am not able to function with this constantly over my head. Then to be constantly threaten. Titlemax has no integrity whats so ever. I filed a complaint each month to corporate to nothing happening I can barley pay my other bills with economy prices going. All my money and time is going on this vehicle. I tried to have bought out still couldnt get that done. I am now keeping my car but want to get out of this loan. I borrowed XXXX dollars on this loan. And have paid over XXXX but still owe XXXX. I can not do this. I want file complaint agains this company literally stressed out because of all this. Please help.
Product: Debt collection

XX/XX/XXXX I had a XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost 19 years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a newly single mother currently going through a divorce. The debt is registered in the state of XXXX and I have lived in XXXX for the past 8 years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice 2 days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( Nelson & Kennard Attorney at Law in XXXX, XXXX ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the earth and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I per the FCRA as a Federal protected consumer, am now Opting-Out of any and all authorization. I, the consumer now have given you written, unwritten, verbal and non-verbal instructions XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Capital one ending in XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Capital one Auto Finance, XXXX XXXX XXXX, XXXX XXXX XXXX accounts XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX  XXXX, are all stated closed, which is now a certificate of indebtness and should be removed from all credit reports. 

The balances and payment history are inaccurate on the Capital One, XXXX XXXX  Please update me with results per your rules and regulations. 
Feel free to contact me with any questions or concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, a " hard '' credit inquiry was made by XXXX to Transunion. This inquiry was made and went through even though my credit was frozen at Transunion. I have tried to find out how this hard inquiry was allowed to go through when a freeze was in place. 

Note : This freeze has been in place since XXXX when I found out I was a victim of identify theft. The freeze is in effect with all 3 credit agencies ( Transunion, XXXX, and XXXX ). I have lifted the freeze on specific times ( to buy house, car, etc ) but immediately froze the credit again. Transunion has confirmed that my credit is frozen. 

As a result of this hard inquiry, an account was opened in my name with XXXX ( of which I am not and have never been a customer ). 

I want to know why Transunion allowed this inquiry to be made - as a result of it my identity has been used fraudulently and made me a victim of identify theft despite actions taken with Transunion to prevent such actions.
Product: Credit reporting or other personal consumer reports

I am still trying to get a XXXX - c from sst/seed Fi and I can't get one and I also have submitted previously a request for arbitration I am afforded that luxury according to the account disclosure the last one I sent I called them and ask what was the status of my request and I was told that they weren't going to do anything about my request because I didn't file it correctly and I am sending a copy of my request that I sent to systems services technology. This is the fourth or fifth complaint that I ha XXXX lodged against systems services technology in the last year and NOTHING has been done about it and now something has to be done about this company they are not above the law.
Product: Vehicle loan or lease

My husband and I purchased a vehicle in 2022 for XXXX. We put down XXXX and purchased a warranty. We agreed to a 12 month loan. We ended up with a loan of over XXXX which does not add up, and now a year later owe more than the car costed. We were told to sign here sign there and the terms changed after we signed. This is not legal.
Product: Debt collection

Medical treatment received from an automobile accident. The 3rd party and XXXX accepted responsibility. The insurance company states this has been paid. After sending documentation numerous times and discussed on the phone, the debt collection agency continues to call, send mail and reports to the credit bureaus. I have had to send documentation to the credit bureaus to have this removed, sent documents to the medical facility, insurance company and debt collector with continued harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi1, I contacted the company and transunion and was'nt sucessful did not removed the unauthorized inwuires from my credit report. 

thye XXXX rep was very rude and said to contact FTC and that they was not going to remove the hard inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items reporting on my credit report. It has been well over 30 days I haven't receive an investigation results.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX are showing and reporting incorrect information on my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts on my credit report as fraudulent due to identity theft. Attached is a copy of an identity theft report filed with [ Name of Law Enforcement Agency ], along with other supporting documentation. 

The fraudulent accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are required to block information in a consumer 's file that results from identity theft within four business days of receiving : A copy of an identity theft report.

Identification of the fraudulent information.

Proof of identity ( attached to this letter ).

I have attached the following documentation to assist in your investigation and fulfill the requirements of the FCRA : A copy of my identity theft report filed with FTC.

A copy of my government-issued ID for verification.

Proof of my current address ( e.g., a utility bill or bank statement ).

Please take immediate action to block and remove the fraudulent accounts from my credit file and provide written confirmation that the changes have been made. Additionally, I request a copy of my updated credit report reflecting the removal of the fraudulent items.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have tried speaking with supervisors nobody never comes to the phone to answer. I also called today XX/XX/2023 requesting proof of validation of the alleged debt they failed to give me the information claiming they can't because it's against policy. I have a right to privacy 15 USC 1681 a number 3 you guys assumed this role without my permission, you also did not have my consent. I feel Experian was unfair and partial, you did not exercise your grave responsibility. I am now demanding that Experian delete this account. I have also filed a complaint with the attorney general. Also I filed a ftc report against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the inaccuracies, and I request an immediate investigation and removal of the late payments on XXXX and XX/XX/2022 that are shown for CB/KAY account per 15 US Code 1666 and 15 US Code 1681b. 

I have not made a late payment to this account. The information across each bureau is different. there are several inaccuracies. On the XX/XX/2022, it is showing an on-time payment ( OK ) on XXXX and XXXX. However, it is showing 30 days late on XXXX. Please update XX/XX/2022 to show that an on-time payment was made ( OK ) or leave this field blank as it is reporting in XX/XX/2022. 

In addition, on the XX/XX/2022, it is showing 30 days late on XXXX and XXXX. However, it is showing as a blank on XXXX. Please update XX/XX/2022 to show that an on-time payment was made ( OK ) or leave this field blank on XXXX and XXXX.
Product: Credit card or prepaid card

Tried to call navy federal credit Union about the account and they said to file a dispute and there was nothing they could do to help me since the account has already been charged off. Someone had my information and opened a credit card for XXXX in my name and maxed it out, leaving me with the debt. I can not afford that and it doesnt belong to me. I was a victim of defraud or identity theft. The date the account was open was back in XX/XX/2021. I was unstable at the time and didnt have a working phone so I couldnt report it at the time. I dont have the contact information or any information on the person at the moment who did this. This individual might have posed as me as well.
Product: Credit reporting or other personal consumer reports

My credit balances were not updated after EXPERIAN recieved info with updated balances. 

ALL attempts to contact an agent, or resolve the dispute with updated balances were snubbed.
Product: Mortgage

On XXXX XXXX, 2015 I, XXXX XXXX called in and spoke directly with XXXX XXXX ( XXXX ) XXXX XXXX, whom Wells Fargo Home Mortgage Executive appointed as my point of contact. Due to her lack of understanding and knowledge to grasp the simple requests I made in previous correspondence and her inability to control herself when engaged in a conversation, playing semantics ( constantly talking over the client, to attempt to control the conversation ), I hereby request a different point of contact. It is my observation that the representatives are trained to become passive aggressive and combative, in an attempt to upset the mortgage holder. In inquiring this matter with several Wells Fargo Mortgage holders, legal counsel and the XXXX organization, they all agree that this is common practice with Wells Fargo. It is my goal to resolve any and all confusion when it comes to the deposits I have made, but I can not accomplish this task if I 'm not given the tools on the end of the Wells Fargo Organization to compare how they applied the money I deposited into my account towards my mortgage and my records, without them sending the records, they posses for comparison. So moving forward, I request a representative whom possess knowledge, respectfulness and professionalism, whom will listen to the concerns of the mortgage holder and resolve the problem, so that we can both move forward.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX || DATE : XX/XX/2023 XXXX. XXXX || DATE : XX/XX/2023
Product: Checking or savings account

1. I have asked for, and have been repeatedly ignored, apparently, regarding overdraft protection/coverage and fees. There has to be a way to end the overdraft protection. I never asked for it, I can not afford it. 

2. I do not want unauthorized charges coming in to be overdrafted. Not in my son 's account ending in XXXX and especially in mine ending in XXXX. Especially those which I have attempted to block. 

3. Since I have asked for this repeatedly and, apparently been ignored, I am asking for a refund of {$320.00} in overdraft fees. See attached. 

4. I called in several weeks ago and asked that a charge I am not familiar with and had not authorized- be stopped and blocked. The agent on the phone said he would waive the fee and do this. 

5. I do not want my account closed. I have important authorized withdrawals coming out which are necessary to turn around my credit. 

6. I need to know which branch is the location with whom I can speak with a personal banker. I have been told that the branch in XXXX XXXX XXXX is not mine, and have been told the same at the
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit card or prepaid card

The Card Security Program at Synchrony bank card services is credit card issuer for PayPal Mastercard and also servicer to the account. I have paid for card security insurance protection for more than 10 years on this credit card account and filed a claim for XXXX that started in XX/XX/XXXX due to XXXX XXXX   and related impacts it had in my well being. I became unable to do anything except go to walk-in emergency urgent care and hospital emergency room care to try to find diagnosis and treatment for the XXXX of which I was suffering extremely difficult life threatening symptoms. 
I filed my claim for XXXX multiple times between XXXX and XX/XX/XXXX after the forms were filled out by the XXXX XXXX original treating physicians. After seeing 5 different specialists doctors for a number of XXXX related ailments and complications my medical file is ripe with substance and proof of my condition. Therefore I followed all directions to file the XXXX claim which I was also unable to work at all but I only focused on the XXXX claim. I could have also claimed unemployment benefits related claims with Card Security however I was completely unable to work and conduct normal daily routines from XX/XX/XXXX until approximately XX/XX/XXXX. 
Card security had me send them the claims forms about a half dozen times over the course of the first 6 months of XXXX wherein their online system was offline and was not accepting nor processed any payments or claims for my valid XXXX and all I received from Card Security personnel was excuses and zero substantiated support for my claim. 
I have called and written Card Security many many times documented all interactions with them. Their response to me after taking nearly a year to tell me they have struggled to get the XXXX XXXX doctor or his office to respond to their inquiries is that my claim is invalid because the doctor office XXXX XXXX XXXX in XXXX XXXX FL where my treating XXXX XXXX XXXX XXXX worked as staff doctor and my date of XXXX is not valid. I have 5 treating doctors I have seen that all have reached the same conclusions and this is what I am left with. Being told by Card security personnel that my file is wrong and someone has not been contacted to prove that otherwise and that is nothing I can do about it.

I filed a legitimate claim for legitimate reasons after paying for this service of card security for more than 10 years without a prior claim and I am told Im not entitled or eligible? 
This is fraud by card security and bias plus discrimination against my medical conditions and age. Plain and simple and all I want is what I have paid a lot of hard earned money for coverage of my health care claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent mortgage loan by XXXX XXXX- ( PARTIAL ACCOUNT NO : XXXX .... ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.
Product: Vehicle loan or lease

Application number XXXX I was denied an extension of my own consumer credit under my own open end consumer credit. This is adverse action pursuant to 15 USC 1681 ( a ) ( k ) ( 1 ), and 15 USC 1691 ( d ) ( 6 ), UCC 8-105//UCC 8-502
Product: Credit reporting or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following itemsXXXX 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

On XX/XX/XXXX, {$18000.00} was wire transferred out of our company Trust account to an unknown company. No body has access to this account as no withdrawals are made. No one authorized this and we called Capital One bank immediately. They gave us a case number and said they would call back but they could not stop the wire. We called back since no one called us back and they said that it had to be sent to Fraud and they would call us back. No one called back and we received a letter stating that they were doing nothing and the case was closed because we had to call the fraud department within 24 hours of the fraudulent transfer. We called them and said we got a case number and no one sent us to the fraud department but were told to wait for a call back with a status. As of today we have zero resolution and have no idea where our XXXX is.