23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am an XXXX XXXX Military Service Member and I had a 2 year contract with XXXX XXXX XXXX for TV and Internet services. I received military orders to leave XXXX, CA where I was currently stationed and deploy to XXXX XXXX for a new assignment. So I canceled my services on or around XX/XX/XXXX2017, and at first XXXX XXXX XXXX wanted to charge an early termination fee of {$260.00}, but after talking with the representative for a while on the phone, she verbally agreed to waive the charge due to military orders as long as I sent the equipment back. I sent the equipment back and then received another email on XX/XX/XXXX2017 stating that I owed {$350.00} for my last bill plus the early termination fee that initially they told me they would waive. So I called them ; after talking with the representative for a while we agreed that I would only pay the final bill, and not the early termination fee. However, they proceeded to send the remaining {$260.00} early termination fee to a debt collector ( Diversified Consultant ). Once I returned from overseas they were able to get my phone number and I spoke with the debt collector. I explained the situation and told her that it was mistake and that because they agreed to waive the fee ; I would not pay it. She told me if I don't pay the fee that I would never be able to get a loan again because they attempt to degrade my credit. Due to the fact that I can not control when I come down on orders, and they agreed to waive the fee exactly for that reason, I'm disputing this debt and believe that I should be relieved of it. They have succeeded in degrading my XX/XX/XXXX credit report with repeated negative inquiries. It would be so easy for me to pay it off but a deal is a deal. Also XXXX XXXX XXXX has been trying to collect the same debt but I have not heard from them verbally or in writing. Combined they have submitted 10 different inquiries to the credit bureaus for the same fee over the last year. I have attached 4 of them below.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I started a transaction in the Wise App, sending XXXX {$5000.00} from my XXXXXXXX XXXX  account to a beneficiary in a XXXX XXXX account. 
On XX/XX/year> the money was taken from my XXXX account and it was expected to be deposited in the beneficiary account in up to 2 work days ( XX/XX/year> ). 
As the money wasn't deposited I have contacted Wise via their chat in the app. 
They said that " XXXX XXXX '' ( their partner in XXXX ) has sent an email to the beneficiary, asking for some information. The beneficiary didn't receive any email from " XXXX XXXX ''. 
I have contacted Wise again, and they said they have " escalated to some team '' and that I should wait for a response. 
I have contacted them again, and they asked the beneficiary bank statement showing that the deposit didn't happen. I have sent to them via app chat. 
In the next day I have contacted wise again, and they said that " XXXX XXXX '' has sent an email to me ( the sender ) on XX/XX/year>. I didn't receive any email from them. 
I asked for a refund, because it became clear that they will not deposit the money in the XXXX  account. 
They said I need " to patiently wait ''. 

I am reaching CFPB with the hope that we can reach a solution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX  XX/XX/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. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft.
Product: Debt collection

These are charges that had been paid by my insurance company and  XXXX   XXXX   XXXX  continued to send me collection notices. I spoke with their office and was assured these were sent in error. Currently this shows up in my credit report as an unpaid {$2500.00} account from a collection agency identified as ACCOUNT RESOLUTION  CORPO loc ated at  XXXX   XXXX   XXXX   XXXX , MO. I 've never received any correspondence from this agency.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX OH XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts or Inquirers in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX XXXX Consumer report immediately! Ive attached a copy of the report to this request. 





Thank you for your assistance. 

Sincerely, XXXX XXXX.
Product: Mortgage

I signed up for automatic payments to be deducted from my bank account. I received a confirmation email on XX/XX/18 that this had been established and nothing else would be necessary. Some time later ( in XX/XX/XXXX ) I found out that the XX/XX/XXXX and XX/XX/XXXX payments had not been withdrawn and that my account was delinquent. I made both payments at that time. My credit report now shows missed payments with a significant impact on my credit score. 

When I contacted the bank they suggested I send a letter to a P.O.   explaining the problem. Which I did.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found that it contains fraudulent accounts. I request that these accounts be removed, as they are negatively affecting my creditworthiness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit reporting

In XXXX XXXX, there were XXXX isolated fraudulent credit card charges on my XXXX credit card account, an account which I opened in XXXX. At that time, I contacted XXXX about the charges, and XXXX replaced my card. I subsequently contacted TransUnion to request that a security freeze be placed on my account. I did NOT dispute the XXXX account, but TransUnion contacted XXXX and required that my account be closed. Further, my 11 year XXXX credit history was entirely removed from my credit report without my consent. On XXXX XXXX, XXXX, I contacted TransUnion and spoke to XXXX, a Supervisor in Special Handling. She looked at my security freeze request and verbally acknowledged that TransUnion was responsible for the error. She stated that I would need to contact XXXX to have the account reinstated, and then TransUnion would update my credit history. XXXX, however, has refused to reinstate my account because they were ordered by TransUnion to close it. I am caught in a XXXX and have tried working with XXXX, TransUnion, and XXXX All XXXX companies tell me that they have no power to reinstate my account ; therefore, my credit history is inaccurate. Because TransUnion made the initial error, I believe it is their responsibility to work with XXXX and the other credit reporting agencies to correct it. I would like my positive credit history with XXXX to be reinstated on my credit report and my XXXX credit card account to be reopened.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX.
Product: Consumer Loan

Auto loan XXXX, 2012 for {$8400.00} Paid over {$11000.00}. Requested full verification and requested explained how the added interest fees or other charges due that not agree or not permitted by law. Requested & they would not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

covid 19 and identity theft has ruin my life. i have accounts that i did not open. please block all fradulent accounts from my credit report. 


XXXX XXXX  XX/XX/18 {$0.00} XXXX ACCOUNT XXXX  XXXX XXXX ACCOUNT XX/XX/18 {$25.00} XXXX   XXXX XXXX XX/XX/18 {$0.00} SEVERAL MISTAKES NOTICE LIKE SPELLING OF MY NAME. SAME ACCOUNTS WITH DIFFERENT NAMES AND FRADULENT ADDRESSES. 
INQUIRES XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ALL SINCERLY, XXXX XXXX XXXX
Product: Credit card

I have had a citi credit card for a long time, since 2007. In fact it was one of my highest limit cards ( about {$14000.00} line of credit ) and one of the oldest accounts I had. I had not used the card for quite sometime and all of a sudden it was closed without any prior notice to me. I just received a message saying my card was closed. There was no balance on it but if I had known my card would be closed for non-usage, I would have used it! I believe Citi did this because they wanted to switch away from the old rewards system model for that particular credit card. 

I believe their action has adversely affected my credit score and I did not deserve this. I did not receive any notification prior to being emailed that my account was closed.
Product: Debt collection

LVNV Has violated federal law. They refuse to cease and desist. This is in fact harassment and abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. Transunion, XXXX  and XXXX  in XXXX, XXXX XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. XXXX, XXXX, ( XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXX and Chapter communication. Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. This is part of fraudulent acts against me. Police reports were send along with documentation of identity theft. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax not letting me login to see my disputes
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing, my family and my well being in being able to survive this has caused me to losing shelter for me and my child as my credit standing plays a significant role in allowing me to sustain my life for me and my family which has also caused me great stress. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates Federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

After the fourth re investigation this account is still inaccurate remove this account IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXXXXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. This fraudulent report is only reported on one of the three Credit Reporting Agencies. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Product: Credit card

We mailed two cheques to Synchrony and attached the purchase summary notification. The cheque was # XXXX dated XX/XX/2024 XXXX Cheque # XXXX dated XX/XX/2024. They stamped the cheque per our account history and I showed them proof Via Fax XX/XX/2024. We have also called and spoke to a supervisor every month without resolution and they will also not own anything, no person or call back just rejection into our account. The Notification from Synchrony has the payment to be mailed to Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX. They have stamped and cleared our other 4 cheques with the same stamp that we have in our account proving they took the money. But yet keep denying they received the 2 cheques from our first two payments? The XXXX XXXX that is ours in XXXX has also stated they took the money. 

Long story short, nobody owns anything with Synchrony and they have stolen our money. We had one supervisor state they put it into another account but will not reimburse us?
Product: Credit reporting or other personal consumer reports

The credit report is showing 2 wrong collection in my credit report ( XXXX XXXX XXXX  # XXXX ) and ( XXXX XXXX XXXX # XXXX ), i dont recognize this account as mine, these two account are a mistake or may be something else... 1 one was open on XX/XX/2023 and 2 one XX/XX/2023. Also they sowing these account in collections and opend... I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 

Please send me my updated report as soon as your investigation is completed.
Product: Vehicle loan or lease

This whole week from the dates XXXX Toyota of XXXX continuously is violating my rights as a consumer. They are continuously, providing misleading and incorrect information. They are denying me credit on prohibited basis. Theyre discriminating against me in in which they dont answer my calls. When I call them, they send me to the regional call line instead of answering my calls directly they send me to one department them to another department into another department and its just a run around. They are not explaining in its entirety what the finance charge is and includes. 
They continuously withhold information by which I mean the continuously deny giving me numbers to either theyre underwriter or their finance manager
Product: Credit card or prepaid card

I have contacted Comenity Bank through XXXX. The last time I spoke with the customer care team was on XX/XX/2022 I spoke with XXXX badge number XXXX. I have spent several hours on the phone with various representatives from customer service including managers. XXXX and XXXX, were particularly rude and provided no help at all. In fact, they laughed at me when I explained that I the terms and conditions on credit application in which I signed stated I would pay 14.99 % interest rate for 36 months.This company has been charging me with 29.99 % interest for the past year and it was not brought to my attention until recently as my fiance was in charge of my bill for my household and this purchase was an engagement ring. The representatives filed 2 separate disputes after several hours on the phone and continued to tell me that the XXXX Store must have input the purchase wrong and there was nothing Comenity Bank would be able to do. I have gone back and forth between Comenity Bank and the XXXX Store. The XXXX Store has been more than helpful, in fact the last time I called the store XXXX was able to return and re-ring the purchase taking into account the amounts that I have paid with the correct interest and I paid the difference of the balance. So, I am now paid in full for the purchase of the ring with the appropriate interest. However, after the store communicated this to Comenity Bank, the bank is still refusing to update the account with the transaction at the store. Comenity Bank is trying to say that I owe them over a thousand dollars. I did file a motion with the State of Ohio and they directed me to you to file a complaint.
Product: Debt collection

Repeated, daily robo-calls, offering me payment plans. I have no idea what this is about, I am on the Do Not Call registry, and I want the calls to stop. I will not have any contact with this company ( Gulf Coast Collection ).
Product: Checking or savings account

On XX/XX/year> I have received a letter from Marcus by Goldman Sachs notifying me on my account closure. My account was opened earlier this year and was in good standing. The last statement I have received in mail is dated XX/XX/year> and shows the balance of {$1500.00} decreasing to {$0.00} due to account closure forfeiting the interest of {$27.00} and the original deposit funds of {$1500.00}. 
I have not received any explanation neither about a reason why my account was closed, nor about why the funds were not transferred back to the original account ( from which Marcus account was funded ) or mailed in a form of check to the my address ( where the statements and other communication mail was sent earlier ). 
Following the notification of account closure I called Marcus customer service multiple times during the month of XXXX ; the calls were transferred from XXXX representative to another with a claim of inability to confirm my identity using the phone number on file, promise to follow up, and dropped with no call back. I have not received any substantial answer in regards to a reason for my account closure or prospects of the funds transfer back to me from any of the representatives.
Product: Checking or savings account

I opened a Savings account and Checking account with Citibank for their promotion of {$700.00} bonus per their terms in XX/XX/XXXX. 
Citibank 's XX/XX/XXXX letter ( XXXX ) acknowledged the {$700.00} bonus. 
But Citibank is making the excuse of my accounts was closed on XX/XX/XXXX. 
My accounts were set up by XX/XX/XXXX. 60 days term + 90 days to receive bonus would be XX/XX/XXXX. But till now Citibank has not paid the {$700.00} bonus.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with Equifax, XXXX and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXXXXXX XXXX  Acct # : XXXX Unauthorized Credit Inquiries to be Removed IMMEDIATELY : XXXXXXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX