23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid the bill in hopes to get it back but they said I 'd have to pay a different installation fee and to send the equipment back so I wo n't be charged for it but they never removed the charges!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the attached letter to Navient/  XXXX   XXXX   XXXX  disputing the late payments on my credit reports. Navient did not respond at all. As explained in the letter Navient never informed me they were reporting negative information after  30  or 60 days. This is a FCRA violation. They report the negative information at 90 days late. Protections in the FCRA were designed to inform consumers when negative information was reported. When they do not report the information until 90 days late they are both ; not reporting information accurately, and not giving consumers the notice the FCRA was designed to give. These loans are paid in full. They were paid in full as soon as the obligation was communicated. It does not matter if Navient believes they are doing consumers a favor by not reporting at 30 or 60 days late. It is not accurate and a FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account # XXXX this account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed
Product: Credit reporting or other personal consumer reports

hello on XX/XX/2024 I received a notifications on my phone from credit karma saying hard inquiries was just reported on my XXXX and XXXX credit reports. 
XXXX reported XXXX INQUIRIES, XXXX XXXX XXXXXXXX XXXX INQUIRIES AND XXXX CAPITAL ONE BANK INQUIRIES ON XX/XX/2024. 
XXXX reported XXXX INQUIRIERS, CAPITAL ONE BANK AND XXXX ON XX/XX/2024 i did not apply for anything on XXXX in process of putting a freeze on my credit.
Product: Debt collection

XX/XX/XXXX I sent certified letter for debt validation request for a debt in the amount of {$2400.00} being reported on my credit report. No response and they Continued to report to bureaus. They Never marked account as disputed. XX/XX/XXXX I sent a second certified letter for debt validation. Again they failed to verify and continued to report to bureaus. They also Never marked my account as disputed. XX/XX/XXXX I sent a third certified letter to request debt validation. Again no response, they continued to report to bureaus, and never marked account as disputed. All letters were sent certified to address provided on my credit report and were verified by USPS tracking as received by them. I have proof of this if needed.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge-off is income is income and according to the FCRA, income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. Bank XXXX XXXX, account XXXX, After speaking with XXXX XXXX XXXX XXXX Bank of XXXX XXXX XXXX XX/XX/year>, I was informed that XXXX XXXX XXXXXXXX now owns the account. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form
Product: Vehicle loan or lease

When purchasing the vehicle I was informed by both Wells Fargo and the dealership that in order to qualify for the loan I was required to purchase gap insurance. I was never given the option to purchase the gap insurance on my own and had to pay the {$590.00} at loan closing. Since then I have tried with both the dealership and the bank to be reimbursed for this fee as I have since been informed that this is not a requirement in order to be qualified for the loan. The bank is refusing to reimburse any of the fees as well as the dealership.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 card

Hello, my name is XXXX XXXX. I have the XXXX card, and for payments, we use the link XXXX XXXX XXXX XXXX I did not shop at XXXX XXXX XXXX but I still had the card, which was not activated. In XXXX, I saw unidentified charges for around {$500.00} in my account. I immediately called Barclays Bank, and they told me not to worry. They sent me new cards, which still need to be activated. 
The case number was : XXXX Yesterday, I received an email from the bank stating that I still owe {$500.00}. I called the bank and told them I had already disputed these transactions last XXXX. I was told by the bank it already completed the transaction and decided to close the case with the resolution that I had to make the payment. This came to me as an utter surprise, and I questioned the kind of investigation done by Barclays Bank. The simple rule is, per the guidelines, if my credit card is compromised, the bank has to investigate thoroughly, and the consumer does not have to worry. I would formally like to file a complaint against this bank. 
Please be advised that the issues described in this complaint will be shared with the financial institution or company in question for their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently divorced XXXX XXXX and he is not happy with our divorce outcome, and i believe him to be the culprit for identity theft for me and my family. 

I found a user name on XXXX that i did not create, but 1 letter off from my typical user name. I reset the password and have been cleaning it up, but I can not keep any bank accts or Cc safe. They are constantly being compromised, alerts changed, money transferred out, etc. 

XXXX address and moms address showed up on my Acct as well as tons of alias and old employers that were spelled incorrectly and from prior to me opening my own business. Can you please help me obtain all the credit inquiries/accts that are associated with these incorrect details from my credit report? 

Ive never lived at either of these addresses. 

XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX, Ca XXXX This is my business address from XXXX to XXXX. I was told by XXXX XXXX that a XXXX loan was taken out in XXXX and paid in XXXX, but that may have been my ppp loan. However, i did not use the XXXX address for my ppp loans. I closed my XXXX XXXX in XXXX. I found a business credit website that showed my name and social as a business alias and so Id like to run a check against my business too please. 

XXXX XXXX XXXX. ( XXXX ) XXXX Some other issues are My phone and computer are hacked, same with email, all accts, XXXX has a fake Acct set up, most do including XXXX XXXX XXXX XXXX. Edd has an Acct with each email address of mine ( 5 ). I let them know but they only see one claim. My dad has fraud on his Acct too, and i suspect XXXX will frame me to be the one who committed these frauds, which i would never do. Ive been having cash stolen from my purse too. Today, {$500.00} was stolen from inside my dads house while i was out back with him. Two nights ago while i was sleeping {$1000.00} was stolen from my purse. I have no safe bank accts, and cant hang onto cash, so Im getting frustrated and my credit score is down 100 points since XXXX because i cant pay my bills. My internet hack is preventing me from security thats reliable. 

Us bank denied my XXXX claim. I loaned a friend {$1000.00} through XXXX on XX/XX/XXXX. That week 2 more {$1000.00} payments came through and a {$500.00}. Us bank says the three {$1000.00} transactions were reported first ; then the {$500.00}. I never reported the legit 1st loan pmt, but did call in the fraud and they added the {$500.00} without realizing the others were reported and included my pmt to XXXX XXXX. I believe it was identity theft report I also saw that checks my dad wrote to his house keeper were deposited into two banks, but she has XXXX XXXX, so XXXX in XXXX XXXX likely has an Acct open of mine but identity theft
Product: Checking or savings account

On XX/XX/2019 $XXXX was taken out of my Chase checking account and it was labeled "Returned Check."I discovered this on XX/XX/XXXX, Friday, when I went on line to check my account.  I immediately called Chase.  After 3 hours on the phone being passed from one department to another, I was told I'd have to go to the branch.On Saturday,XX/XX/XXXX, I went in to the branch at XXXX XXXX XXXX.XXXX XXXX FL XXXX  and spoke with XXXX XXXX.  I sat at his desk for over an hour while he made a few calls.  I heard him say several times, "No, I do not want to be sent to another department.  I will hold."  As I said, after over an hour he is sitting on hold so I told him I have to leave and he said he would call me in 15 minutes.  That was Saturday.  He finally calls me back Monday morning to tell me he has no answer why the $XXXX   was taken from my account.  I told him I wanted to speak to someone higher in authority.  He said he would call me back.  He never did.  I still have no answer!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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  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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My realtor checked my credit profile and there is a collection on all three bureaus for {$290.00} from XXXX XXXX XXXX  ACCOUNT # XXXX that does not belong to me I sent XXXX a certified letter DEMANDING FOR VALIDATION AND PROOF OF CLAIM and received no evidence of such a debt from XXXX XXXX This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. I called the General to verify this debt and no one could give me information on such a claim. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the XXXX XXXX XXXX ( XXXX ) 15 USC 1601 et seq. In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I am in the process of filing for {$1000.00} per violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

ABILITY RECOVERY SERVICE shows last reported reported date of XX/XX/XXXX with a balance owed of {$760.00}, shows as open balance. XXXX XXXX BANK XXXX Original creditor shows the last activity on this account as XX/XX/XXXX. This is not a valid debt. I never had an account with XXXX XXXX XXXX and this account has never showed on my credit report before this month.
Product: Checking or savings account

PNC Bank is knowingly and intentionally engaging in fraud and the use of fictions identities to perfect fraud and money laundering. There is no account opened under the the first and last name only but rather the first middle and last name. PNC Bank is using the first and last name as a fictitious entity for money laundering with respect to its DEI and WOKE internal agenda. Additionally, PNC Bank which is using a forced arbitration clause to which I was not properly notified to perfect its criminal fraudulent activity. PNC has never responded to my requests regarding the forced arbitration clause which is in bad faith and used to perfect fraud, ante. This information was also brought to the attention of the CFPB director which via ia political affiliation condones the criminal behavior of PNC Bank with my identity.
Product: Credit card

My complaint is with Chase Health Advance ... I called this company in XXXX 2014, to let them know I was not getting a bill for this account ... .Chase agreed they were sending the bill to the wrong address and agreed to send it to the proper address ... I spoke to someone prior to this and let them know I was moving, and gave them my new address, however, this company still failed to send me a bill ... .In the past I called the company to pay the bill over the phone occasionally when I had time, however, you would think after calling in to change your address, and several other times to get the bill to your house, a large company could follow through ... Having said that, I never received a bill ... This account is being fraudulantly reported to the credit bureaus without my knowledge which violates the fair credit reporting act ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY FRAUD PLEASE REMOVE FROM MY CREDIT ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an URL on my Bank of America Credit Card webpage. I have XXXX credit cards and for XXXX credit cards page it is showing a link " Request for increasing a credit line '' and I clicked so. But requesting of increasing of a credit limit is not a hard check. I found that they made a hard check for me twice for my XXXX accounts thus it reflects my credit score. Snapshot are attached with this complain
Product: Money transfer, virtual currency, or money service

I have found my access to Zelle has been permenately restricted. I have been speaking back and forth since 4 days starting on XXXX until today XX/XX/2022. I have spoke with several members of Zelle, Early Warning Systems, and XXXX XXXX XXXX XXXX. I haven given he run around since. I have asked for documentation several times and none have been provided. This information has been asked from XXXX, Zelle. Early warning services. XXXX explained to tell me there's nothing that can be done to help me, they didn't place the restrictions. Zelle has explained to me not their responsibility. Early Warning Services explained they don't have any information for me. I have done nothing against money transfers, banking guidelines. I still have not received any valid response from either party. I am just asking for something in writing. How can my account be restricted permanent with no valid response. 
This is so darn unfair as a consumer.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : Accounts Name : XXXX XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to provide me with a free credit report ; to which I am entitled.

I get, instead, pitches to buy stuff from them ... like, really, buy credit monitoring from a group that has had one of the biggest data breaches in history???

I also get told that " the system is down '' each time I call or email them ....

I want my free credit report, and so does my Wife.
Product: Mortgage

XXXX has committed several errors. # XXXX they will not accept a recorded XXXX XXXX XXXX, naming the heir as beneficiary of the estate. In the state of Florida a XXXX XXXX XXXX  serves in lieu of probate or a Last Will and testament. 

Additionally, XXXX is showing the property as a Real Estate Own, when in fact the never successfully foreclosed on the property. XXXX is still under the name of XXXX name and they refuse to review for a loss mitigation due to this errors
Product: Credit reporting, credit repair services, or other personal consumer reports

That is so funny because I called my self, and they say that I have not submitted any dispute, but I have proof with certified letters that I have sent them everything they asked for. I have called personally, and they have responded that I had not submitted any dispute. After three months of trying to dispute and no response, I mailed the last dispute with certified mail with signature evidence of being received. You need to realize that I am the consumer and I should not have all this issue to dispute to XXXX. That after 3 months they still have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX account in my name & I have been trying to get the Fraudulent XXXX Account off of my credit report since XXXX. This charge off/collections account dropped my XXXX XXXX over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only TransUnion has updated it. TransUnion updated it XX/XX/XXXX. I would like compensation for the drastic drop in my XXXX XXXX and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. XXXX XXXX TransUnion has yet to update this for me.
Product: Mortgage

My mortgage company Freedom Mortgage keeps calling, emailing, and sending me unwanted advertisements about refinancing my mortgage. Even every month when I pay my mortgage online, I have to dismiss ads about it before I am able to pay. Its getting ridiculous. I told them several times to take me off their call list and to stop bothering me about refinancing. Im not interested in refinancing and have told them this numerous times, they keep bothering me about this.
Product: Credit reporting or other personal consumer reports

I am trying to rent an apartment. TransUnion runs the identity verification questions and they are all wrong and not pertinent to my history or personal information. I've called TransUnion multiple times and spoke with their customer relations and rental department on XX/XX/2024, XXXX XXXX, 2024, XXXX XXXX, 2024, and XXXX XXXX, 2024. Every TransUnion department said there is nothing they can do. 

I was able to get my credit report sent to me and the information is accurate BUT I've failed the identity verification questions 5 times because the questions are not related to my personal history. TransUnion refuses to fix these questions and they don't reveal how or where they are pulling this information. I have lost the opportunity to rent an apartment 3 times now because the rental service XXXX uses TransUnion to verify identity. I've called both TransUnion and XXXX and neither service can fix the identity question issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent XXXX account on Experian
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Citi closed all of my Citi credit cards with no contact. I was using Citi cards for many years, paid my bills and annual fees on time. From last XXXX, I was out of US because the Covid 19, so I missed 1 or 2 payments, but paid off in second after I found that. Sometimes, Citi.com wasn't easy to login outside USA, also the Citi App. I have good financial condition, and many investments. I don't understand why Citi closed a loyal customer 's accounts, for only few dollars interest and late fees. And I was paying the interest and late fees. Also, Citi confiscate all of my cash back rewards, around {$500.00}. I need to protect my rights. Never receive any letters which explain the reasons how the decision was made, even I asked Citi couple times.
Product: Consumer Loan

I have had a vehicle loan through Wells Fargo for approximately 5 years. Both myself and the buyer are XXXX. I made the payments out of allotments through my paycheck for years. somehow my loan has consistently been overdue, charged large late fee 's, had a high interest rate and has had insurance added to the loan without my knowledge. I have done everything I can to work with the bank and now they threaten me with repossession. Due to all of the issues with the loan the loan is even more upside down than originally anticipated. How do I find out if my loan is part of the Wells Fargo military loan scandal?