23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Someone opened a credit card with XXXX  XXXX  and they live in New Jersey and used my information to obtain the card and have quit paying on the card therefore it is affecting my credit causing me to be denied on obtaining a loan which I wanted to purchase something. My home address is in Missouri and I had no idea of the card until I applied for the loan and was denied. I have contacted XXXX XXXX  XXXX  company and also the credit bureau to inform them of the theft. The date of my loan application was XX/XX/XXXX and the card was initially issued in XXXX of XXXX and they have not paid anything since XXXX or XXXX of XXXX. XXXX  is currently investigating the issue as of XX/XX/XXXX as well as the credit bureau as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have been on the phone for the past XXXX weeks disputing accounts that are not mine. Incorrect information regarding auto loan with XXXX XXXX the loan is reporting on my report as well as XXXX XXXX XXXX notice they made a correction by changing the balance to XXXX and placing the account with XXXX XXXX in collections the account was reported from XXXX as a different account thats the reason I dispute and also ask the company to forward documents I have not receive anything. As I have been explaining to Transunion and Equifax Experion that XXXX of my account in collections and close accounts does not belong to me. They assured me that the accounts are being diluted but when I check 24 hours later they are not in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX ; XXXX ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

After finding the incorrect information on my credit report I contact the company SYNCB/car care XXXX XXXX and explain to them this was not my account I have no knowledge about what this account means they then explain that they understood and said that it was not me and that I needed to call the three credit bureaus and to report to them this information of an accurate nature then after calling them again they told me that they have found the problem and that it would be corrected and the error information would be taken off of my credit report this was not done. This began in XX/XX/2021 and now it is XX/XX/2021 after several or more attempt to rectify the problem they are holding me hostage with this miss information that is on my credit report. To look on my credit report will show that my credit is impeccable I never am a delinquent with my bills.
Product: Student loan

Dept of education sent me a letter in XX/XX/year> stating that due to the XXXX XXXX lawsuit my loans would be discharged its been almost XXXX years and XXXX still waiting. Most of these Ive paid and I was told I would get a check still waiting. I have called the department of education every XXXX months and keep getting the run around they keep extending the timeline and refuse to provide me any information
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX credit bureaus ( Transunion, XXXX, XXXX ) are violating my rights to privacy by reporting on my personal credit, and bankruptcies without my consent. 
Laws violated ; 15 U.S.C. 1681 # 5 15 U.S.C. 1681 XXXX XXXX XXXX CASES AND NUMBERS  ; Case # XXXX XXXX  XXXX XX/XX/XXXX Case # XXXX XXXX  XXXX XX/XX/XXXX Case # XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I noticed on XX/XX/ that this account was opened a result of identity theft and this person pretended to be me along with making payments on this account. This has greatly impacted my credit score along with me getting a job, a vehicle and a home as I have been XXXX for a year as a result of a job loss in which I was unable to pay my expenses. I have no family nor friends for support, I have been disowned by my family for my XXXX lifestyle which has resulted in me being on my own since the age of XXXX, I have no friends due to my social XXXX, money problems and I was taken advantage. This situation has caused a lot financial distress/hardship, mental anguish and multiple XXXX attempts and I just want this to be over so I can move on with my life.
Product: Debt collection

PenFed is in violation. They have marked my credit file with a repossession. My vehicle was never repossessed. In fact, I had a Covid 19 hardship that did not expired until XX/XX/2021. They claimed the vehicle was repossessed on XX/XX/2021. I was never notified of anything until XX/XX/XXXX and when I was notified, I immediately called and I was told that the information was incorrect and that the vehicle was not in repossession and to simply ignore that document. I lost my job and was unable to pay for my car that is why a hardship was granted to me. I was also given XXXX XXXX through PenFed as insurance because I couldnt afford insurance while being laid off due to Covid 19. The insurance only covered the vehicle in the event it was damaged or totaled the insurance was cover my entire costs for my vehicle. 

On XX/XX/2021 I was hit by a drunk driver and the car was totaled. The drunk driver also ran my physical body over with his vehicle fleeing the scene. I informed XXXX XXXX and I had the vehicle towed to a body shop out of my own expenses. The insurance company came out and told the body shop to fix the vehicle if it could be fixed. They gave me {$13000.00} in my PenFed bank account for the body shop to pay them for the repairs and their time and work. The body shop took the vehicle apart and noticed it was unable to be salvaged and had the insurance come back out and they totaled the vehicle out. They body shop charged {$4900.00} for their time and work. However, PenFed was refusing to pay the body shop until the threatened to put a lien on the vehicle. PenFed still has the {$13000.00} issued by XXXX XXXX. They are claiming that they paid the body shop {$4900.00} through their money and not the body shops {$13000.00}. And that is why it is legal to put it as repossessed on my credit file, although my insurance already sent over a check to cover the {$4900.00}. 

Again the vehicle was never repossessed, because my loan was under a hardship due to Covid, the vehicle was totaled as of XX/XX/2021, and I was never informed of PenFed going to get the vehicle. And even if they did, the insurance paid for the body shop and paid for the vehicle. 


Please call me if this is unclear. PLEASE HELP ME. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters and they will not fix the error. They are reporting a public record ( bankruptcy ) from XXXX. However, XXXX deleted it because they could not verify the bankruptcy ( see attached deletion letter ). Please help me. They are lying to me and being deceitful. 
I have tried to resolve this issue to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to know that I understand my financial obligations, and have an excellent repayment record. I requested to explore my loss mitigation options in XXXX to eliminate any financial penalties ( late fees, credit worthiness ) after suffering from an unfortunate and unforeseen life event leaving me with a $ XXXX bill. I was assigned to XXXX XXXX who struggled to communicate the terms of the repayment plan and next steps. I sent a money order by completing instructions from XXXX and signed the repayment agreement. I continuously followed up via phone and email to check status and confirm that everything was properly in place. There were some lapses in communication but I was informed that while my contract and payment was received as agreed Dovenmuehles bank couldnt process the payment and would resend it via traditional mail. I also was informed that money had been sent to me via XXXX XXXX which wasnt correct. I called XXXX several times to understand how to quickly remedy this issue and to advise that I had not received my returned payment. Additionally I specifically inquired about how this would impact me financially ( reporting and fees ) and she stated it would not. If she had responded to questions differently ( accurately ) I would have never entered into this agreement. I emailed to ask how I could pay instantly as I had issues getting a refund for XXXX since it appeared to be processed however I never received a response. To remedy this manner as soon as possible please remove the late payment that was reported. I also do not trust the advisement received from my loss specialist ( XXXX XXXX ) and believe that I deserve counseling from another rep to truly understand the terms of the agreement. I have canceled the repayment plan that I was in compliance with ( & was told this would be the agreement I needed to honor for 12 months ) in order to create a win-win for all involved. I truly believe that the measure does not reflect the accuracy of this situation, my creditworthiness and commitment to repaying my debts. To show my dedication for resolving this issue I provided full payment on XX/XX/2019 to cancel my utilization of the repayment plan. After this traumatic and deceptive experience I believe this company should better train their staff and remove this mark immediately. Remove incorrect mark - this was removed last year and in the past few weeks inaccurately reconverted
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to remove the account ( XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXDate opened XX/XX/2022 Amount : {$260.00} from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland Equifax XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX XXXX Account Number, XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressfor these violations.
Product: Credit card or prepaid card

I've purchase an XXXX  XXXX 38 Inch Curved XXXX UltraWide QHD+ ( 3840 x 1600 ) Monitor from XXXX as in " Like New Condition '' from XXXX XXXX on XX/XX/2021 for {$1300.00} ( Order # XXXX ). When I received the merchandise, I opened the box to find out the monitor panel has been cracked across the screen ( with photo proof attached ). The box was packaged well, which leads me to believe someone else broke the monitor screen and returned the package to XXXX XXXX where XXXX miss-stated the condition of the merchandise but still tried to sell the item anyways. Given that the unit was dead on arrival, I've contacted XXXX for an XXXX return Label. Later on XXXX tracking XXXX showed that it has been successfully returned back to XXXX warehouse on XX/XX/2021. About a month later, I've chatted with multiple XXXX reps to inquire about the refund I did not receive. Each rep assured me to wait a couple business days for the refund to show up but it never did. On XX/XX/XXXX, I filed a chargeback dispute with my credit card company Chase, where a temporary credit of {$1300.00} was issued. On XX/XX/XXXX, the dispute resulted in a rebilling of {$1300.00}! I contacted Chase dispute department and submitted XXXX proof of delivery of the return merchandise, but Chase completely disregarded my dispute documents and reported my dispute to the 4 credit bureaus, which impacted my credit history. I kept on reaching back to XXXX for help, but the account specialists said I have an outstanding dispute so they can not refund me the money which doesn't make sense because the dispute resulted in me getting rebilled for a merchandise I returned back! I appealed Chase 's decision on the rebilling, and on XX/XX/XXXX, Chase mailed me a letter stating that my appeal has been denied. At this point I've lost {$1300.00}, and countless hours back and forth with XXXX and Chase trying to get my money back for a merchandise I've successfully returned. At this point I've exhausted all my options working with XXXX and Chase and am writing this complaint hoping it can result in getting my money back.
Product: Mortgage

I purchased a home XXXX/XXXX/XXXX. The loan was with First Mortgage Corp. XXXX # XXXX. Approx. 
18mo later the company calls me to ask me for add documents because for some reason they can not insure my loan with FHA. I provide them with what they are asking for and then they have more Doc after that. We are good for 2years then I get a letter and mind you my loan is current not behind that because they can not insure my loan with FHA they are going to call the Note Due. They stopped accepting my payments and then Sold the company to XXXX XXXX with nothing for them to trail or refer to. I have not made payments since XX/XX/XXXX now and I still have not heard from anyone. 
I have no Notice of Default nor do I have a Notice to Sale. But I am not wanting to lose my home due to someone not answering my phone calls nor responding to me. I feel that I am being descrimin- ated against because I am a minority and I am in hopes and have been since XX/XX/XXXX trying to process a loan with another company but these 30 day lates are continuing to prevent me from having someone else help me get out of the current loan I am in. 
They will not remove these off my credit nor will they take payments from me, and are putting me in no other position but to sale or go into foreclosure. 
Please help me keep my home.
Product: Checking or savings account

Hello I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so sometimes the XXXX payment comes on days I don't expect because it takes 3-5 business days to deposit. My schools first bank account was over drafted many times and they have given me 12 fees re-imbursed but now when I ask for the fees reimbursed they said they already reimbursed more than 12 fees and I have exhausted all help when it comes to this. I heard Biden say he made these fees illegal referring to them as junk fees. Please help I try to be a servant of all and this is how i'm treated no mercy from a XXXX dollar bank they need my money. It's written how you treat the least among you is how you would've treated XXXX. Please investigate Schoolsfirst XXXX for their blatant thievery and greed of taking from the least financially inclined individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the credit bureaus about these unauthorized inquiries to no avail. I am told I have to speak with a special department but they said they can not transfer to the department. I have to wait for them to call me back in 4 days. This is ridiculous! Someone is using my information and applying for credit and I have to wait?
Product: Mortgage

We sold the home and closed on XXXX/XXXX/219, the Nationstar mortgage was paid off XX/XX//2019.  We made the XXXX/2019 payment. We were never late, ever, on this account! Now Nationstar reported both of us on this account as 30 days late in XXXX 2019? We have mailed dispute letters to all bureaus and a direct letter to Nationstar. Have not hear anything back? We are trying to close on a new mortgage in XXXX, but this will not happen with this egregious payment error on both of our credit reports!
Product: Credit card or prepaid card

indigo credit card made my payment on the due date..they credited my account, and then turned around and returned the payment and billed me a late fee. on top of all that they let my available credit stand and then they charged me for going over my limit... i got this card in hopes of straighting my credit out ... and all they have done is made it worse!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, Chapter XXXX Bankruptcy Discharged XXXX
Product: Credit card or prepaid card

Please see previous complaint # XXXX. Capital One has either stolen or is fraudulent in a sum of {$1.00} for a transfer that was taken out of my account but never received on the opposite side of the transaction. They have only reached out once for my XXXX account numbers, that is it. XXXX from capital one called. I returned his call on XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX at XXXX. They have not contacted me any other time or in any other way. I gave XXXX this information and he said he would be in touch. Im exhausted from capital ones excuses. Why would I not want my money of {$1000.00} back. This issue is not resolved and will not be, until I get my money plus the interest that they would have charged me for this very lengthy time. XX/XX/XXXX!!!! please let me know how I can take further action on this matter and get my money without getting an attorney.
Product: Debt collection

I made a cash for keys settlement with the bank of Albuquerque through there attorney, me and a state anointed foreclosure prevention guide. This settlement was completed inXX/XX/XXXX. I have repeatedly tried to endure this information was processed at bank of Albuquerque and their attorneys office yet since XXXX of XXXX Im still being penalized in my credit report as owing a debt which I do not!
Product: Debt collection

I dispu ted a derogatory item placed on my credit report by IC SYSTEM INC in err or to  XXXX ,   XXXX   and   XXXX   --  XXXX  and   XXXX   fixed the error by removing the item from my credit report --  XXXX  DID NOT.  XXXX  refused to remove the item and said so after their " investigation '' was complete. I disputed this item  with IC System ( a collection company )  and they have not even acknowledged my complaint. On  XXXX  I resubmitted my dispute with   XXXX   and warned both IC System and   XXXX   of pending legal action I intend to take if this situation is not resolved IMMEDIATELY. The derogatory item was for an unpaid dentist bill ( {$900.00} ) which IS PAID and the account ( my husband  XXXX  's ) is IN GOOD STANDING with  XXXX   XXXX  ( merchant ). This item should NEVER have appeared on my credit report in the first place -- and since the item is PAID, this item DOES NOT BELONG IN COLLECTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding the Equifax data breach, they have failed to protect sensitive information and exposed every aspect of mine and my families life. This is disgusting, they should be shut down, why are they still allowed to operate?
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Debt collection

My long term partner XXXX XXXX, after unsuccessfully trying to collect this debt from his estate this collection company aggressivly came after me. This is not my debt, it was not a debt I was aware of, I do not live in an area that would make me any way legally liable for this debt. After providing the requested XXXX certificate they simply removed his name from the debt and added mine. This is and unfair, unethical and not even legal way to collect a debt.
Product: Credit reporting or other personal consumer reports

Equifax on XX/XX/2023 stated XXXX XXXX XXXX XXXX  was removed from my credit report. It is still reporting on Equifax as of XX/XX/2023.
Product: Credit card or prepaid card

On approximately XX/XX/XXXX I contacted American Express regarding how I can reduce the high interest rate American Express is charging on my credit card or how I can enter American Express 's debt settlement program. I was told by a XXXX XXXX XXXX that American Express has a debt settlement program that was available for a monthly charge of $ XXXX/month at 7 % /year for 5 years. When I followed up with American Express in early XX/XX/XXXX I was sent to 4 different extensions without ever receiving an answer regarding American Express 's debt management program. I was, also, told American Express could not locate XXXX XXXX.