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

Details of my complaint : XXXX attempted to obtain a pay day loan XXXX XXXX XXXX XXXX XXXX 

I was told that I was denied due problems with upgrades to the new system & to wait about three days before I could re-loan. ( I had just paid off a previous loan a few days prior to going in, & had to wait to reloan until the XXXX of XXXX ). On this day I reached out to XXXX XXXX XXXX XXXX at a different location spoke to Customer XXXX XXXX asked if they were indeed having problems. She said yes & that there were others experiencing problems as well & she would add me to the list to call me back when things were fixed. 

On XXXX rec 'd a call from that Rep. I went in to obtain a pay day loan. She stated that a lot of my information was off due to system upgrades apparently. At no time was I told that a " hard inquiry '' would be conducted nor was I told that my credit report would be pulled. ( If I would have known I would not have approved, I am currently working towards improving my score w/ several agencies to purchase a home ). I rec 'd XXXX XXXX XXXX in the amount of $ $ $ like I normally have for the past several months. 

After leaving I started getting alerts regarding XXXX XXXX XXXX XXXX hitting my credit report w/an hard inquiry. I reached out to the rep that I had just rec 'd my loan from & she said that she would reach out to the feedback line. She had know idea why they would pull a hard inquiry & asked if my credit score took a hit. On the same day XXXX I Called XXXX XXXX XXXX XXXX XXXX the feedback line spoke to rep, he stated that I applied for an " Exact Loan '' I told him that's not true, he then took my complaint. Again, I notified my customer rep where I had just obtained the loan & she stated no you didn't apply for an Exact Loan only payday. 

Reached out again on XX/XX/XXXX spoke w/ another employee @ the office where I obtained the loan, she stated she would notify her district mgr. & let me know. In addition to speaking to the noted employees I took it upon myself to file a complaint as well w/the XXXX XXXX XXXX XXXX feedback line On XX/XX/XXXX, & XX/XX/XXXX and I have contacted them since on XX/XX/XXXX, XXXX, and XXXX of XXXX to no avail. XXXX rep even said I would receive an email that day, another told me my case was pending & the other 's told me that they could not see anything and would send my case # to corporate. 

In addition to all of this the company sent a XXXX card to an address that I lived @ over two years ago a week ago. I never requested a XXXX card.
Product: Debt or credit management

I received a phone call on XX/XX/year> around XXXX pm from " XXXX XXXX '' stating she was in Bank of America XXXX department and asked if I authorized {$600.00} ( ish ) to another person. I said no and she said that my information has been part of a scam and transferred me to " Consumer Affairs ''. 
I then spoke with " XXXX XXXX '' and he explained that I had " red flags '' on my credit report and that I qualified for debt settlement program under " Fair credit Reporting Act '' because of my age and good credit, regular payments and no bankruptcy. He stated I should not be charged more than XXXX % interest. 
He named XXXX of my active credit cards ( without me telling him ) and knew all the information on my credit report such as XXXX XXXX etc. 
He requested XXXX of my credit card numbers, exp date, cvc code, and ss number. 
XXXX. XXXX card XXXX XXXX XXXX XXXX cards XXXX. XXXX I provided all of the information to them. 
They said that they would charge the XXXX card as part of the resolution {$7900.00}. 
I was instructed not to use my cards and they would close out and they would send me a " XXXX '' credit card for use : limit $ XXXX, at XXXX XXXX for XXXX months. 
He said that I was approved and would get within XXXX business days and guaranteed XXXX XXXX reduction on my debt. 
I was then " transferred '' to " XXXX XXXX '' a " senior advisor '' from debt relief solutions department. He went over all of the information and transferred me to the " legal '' department to set an appointment on XXXX and I was told that the attorneys would be paid for by the XXXX credit card. 
The line was disconnected during transfer to the XXXX department, and then XXXX came back on the line and advised to hang up and legal department would call back. 
I attempted to call the number given : XXXX ext : XXXX, and no one answered. 
I called again today XX/XX/year> and someone did answer and said it was " consumer affairs '' and would not state the name of the business and became rude when I did not provide my name. I believe that they called themselves Bank of America and XXXX XXXX as company name. 
I cancelled all XXXX credit cards within XXXX hours of this starting and notified FTC today by completing a Fraud Report vs ID theft report? unsure.
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 Original creditor : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX has violated my rights. 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

On XX/XX/2021, I sent a letter regarding in accurate and unknown things on my credit report. 

To this day exactly 60 days later I have not received a response yet. 

I feel like Ive been taken advantage of and me and ignored on my dispute. 

Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days give a reason to immediately remove those items from my current point and it has been at least 60 days and should we delete it properly.

I demand these accounts be deleted immediately or I will file litigations due to the stress you caused me.

My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.
Product: Vehicle loan or lease

On and off again ; From the first XXXX of the Year of XXXX to My new account t as of XX/XX/XXXX ; TOYOTA FINANCIAL SERVICES ; have been, I REPEAT AND I APOLOGIZE FOR MY TEXT LANGUAGE BUT THIS IS HOW FAR THEY HAD MAKE ME ANGRY ON HOW TO RESOLVE PAYMENT PROCESSING ISSUES ON THEIR SYSTEM ; I HAD THE WORST XXXX DISGUSTING TIMES WITH THIS HORRIBLE XXXX COMPANY AS IF I NEVER CALL THEM OR CURRENTLY HAVE PAST DUE AMOUNT DUE TO THEM NOT EVEN ATTEMPTING TO TAKE MY XXXX MONEY FROM MY XXXX BANK ACCOUNT IF I NEVER CALL AND HAD TO TALK TO OVER XXXX SUPERVISORS AND MANAGERS TO RESOLVE THIS ISSUE ; I WAS UNABLE TO GET ANY FOLLOW UP ON ANY COMPLAINTS FOR THEM TO MAKE SURE THERE WILL BE NO MORE ISSUE WITH THE PAYMENT ; ALL I SEE WAS AN ATTEMPT FOR THIS COMPANY TO REJECT ALL MY PAYMENT AFFECT MY CREDIT WITH BOMBARD THREATS AND CALL AS WELL AS NOW A POTENTIAL LAWSUIT WAIT FOR ME SINCE THEY ARE CURRENTLY REFUSING TO TAKE MY MONEY IN THE LONG RUN BUT IM STILL OWE THE LOAN ; THATS NOT FAIR AND I WONDERING WHY I HAD THIS PROBLEM WITH ALL PAYMENT ; I EVEN REQUESTED THEM TO REVIEW THEIR PHONE LOGS AFTER CLAIMS THEY WERE GOING TO DO AN INVESTIGATION ON MY ACCOUNTS ; I DONT KNOW IF THEYR ARE TRYING TO BE RASICT OR NOT BUT PLEASE GET TO THEM TO FIX THIS ISSUE AS I ALREADY HAD A THREEWAY CALL BETWEEN THEM AND BANK SEVERAL TIEM TO ADDRESS THIS ISSUE AND THIS IS STILL A XXXX PROBLEM THAT SHOWS THAT THEY ARE LEGALLY ATTEMPTING TO DAMAGE MY FINANCIAL FUTURE AND SECURITY ; PLEASE RE-READ THIS AS THIS IS MY CURRENTY STATE OF MIND WITH THIS COMPANY DUE TO THIS UNRESOLVED UNRESOLVED XXXX BELIEVABLE ISSUE IS STILL CAUSING ME PROBLEMS I ACTUALLY HAD THEM EMAIL MY COMPLAINT THIS TIME AS THEY LOST ALL DOCUMENTATION I REQUESTED WHEN I ASKED EACH REPRESENTATIVE TO REVIEW THE ACCOUNT TO ADDRESS MY ISSUES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I checked my personal credit report on XXXX XXXX which I had noticed from your company an unauthorized credit inquiry had been made for a new credit card without my permission or consent. The Date of this erroneous inquiry was made on XX/XX/2021. I will attach a screen shot of it on my file from my XXXX XXXX  account. I had called XXXX XXXX late in 2021 about this matter and was assured this would be handled as I do not have any new credit cards with them.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to Experian, XXXX and XXXX 's failure to honor my credit report update request, despite my numerous attempts to rectify incorrect information on my credit report. 

On XX/XX/XXXX, at XXXXXXXX XXXX  XXXX, Experian received my certified mail in XXXX, TX, XXXX, containing my dispute request. Despite this, Experian has not made any changes or adjustments to my credit report. I have sent multiple follow-up mail attempts, but they have continuously failed to respond appropriately. 

On XX/XX/XXXX, I submitted a dispute to challenge the accuracy of specific information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681i ( a ) ( 6 ) & 15 U.S. Code 1681i ( a ) ( 7 ), Experian is required to investigate and respond promptly. Instead, I received a generic stall letter, which did not address my concerns or show any real progress in investigating the disputed items.

I have conducted research and discovered a CFPB report indicating that Experian uses automated methods to send stall letters, likely in an attempt to push consumers towards using their online dispute systems. However, there is no law prohibiting me from utilizing today 's technology to analyze, create, and send disputes via mail. 

Despite my numerous attempts and the clear evidence provided, Experian has not updated my credit report or addressed the specific disputes I raised. The inquiries I requested to be removed from my credit report include 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 Experian 's refusal XXXX address my dispute and their continued use of stall tactics are unacceptable. I demand that Experian immediately removes the aforementioned inquiries from my credit report and provides a detailed explanation for their failure to comply with the FCRA requirements. 

I have submitted my letters and stall letters sent with dates received. I am not getting any support from the credit agencies.
Product: Debt collection

On XX/XX/year> I Paid Westlake Portfolio Management in the amount of {$1200.00} to settle my account which was settlement offered through the company. However till this Day the company refuses to provide a letter of satisfaction and remove the debt from my credit report after several communications via email.
Product: Prepaid card

I have XXXX AMEX prepaid gift cards, each for {$100.00}. I registered them with AMEX. I have tried to use them at multiple locations and they are rejected every time. I would just like the money that is on the card so I can spend it in the manner I should be allowed to do so if the card worked correctly.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in unauthorized inquiries on my credit report. I am requesting that all inquiries listed below be blocked and deleted from my credit file, in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ) : XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Checking or savings account

Today I noticed NFCU ( bank ) adjust {$1100.00} from my account for a closed account. I told them to please stop taking what little money I have in the account. Ive tried contacting them multiple times to come to an agreement. But they keep trying to get me to make a payment on the account to start the clock again on debt collecting. I find that practice distasteful and illegal. I called XXXX today from the debt charge off department and he was unwilling to reverse the adjustment the bank took of my income that is protected from garnishment or levy. The account is way over the XXXX years of collections and the bank will not answer me to arbitrate or less provide me a legal department phone number or representative. All they give me is an address to forward legal correspondence. 

As a victim of theft and fraud I wish not to be harassed while the legal system is in play. The bank should allow the law to take place and stop them from taking my income.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX/XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX/XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/2019 that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Product: Credit reporting or other personal consumer reports

I'm unable to login to my account with TransUnion due to some " fraud lock '' created without my awareness years ago ( if what TransUnion support told me is true ). 

The company is not fixing my issue. I spent hours on phone on multiple calls with many representatives of TransUnion. The same questions are asked each time I call, they promise to call back in XXXX business days, but no one calls back. 

When I call them myself, the same questions are repeated again, I am again transferred to new and new people, until the call eventually interrupts.
Product: Checking or savings account

On XX/XX/XXXX I logged into my Bank of America accounts and noticed there had been multiple fraudulent electronic transfers out of four of  my accounts totaling more than {$15000.00} to an account I did not know title XXXX. There were several transfers that took place on XX/XX/XXXX and several that showed in process on XX/XX/XXXX. As soon as I discovered this I contacted Bank of America to try and stop the transfers. They would not give me any information regarding the account where the transfers were going. They did put a hold on the account so additional funds could not be transferred. I filed four claims for fraud with Bank of America and was told I would receive a temporary credit for the funds within 10 days and a resolution within 30 days. On XX/XX/XXXX I went in to my local Bank of America Branch and opened 4 new accounts. On XX/XX/XXXX I logged into my account and was asked to verify my contact information. The recovery phone number for my new accounts was a New Jersey number that did not belong to me. I contacted Bank of America to report this. 

After two weeks, I contacted Bank of America after receiving absolutely no communication via USPS, secure e-mail, through the Bank of America website or via phone. I was told my claims had been denied and that in order to have my claims reopened I would need to have my home computer taken in and have it forensically analyzed. I took my computer in and paid {$500.00} to have a company go through the computer and compile a report showing malware and a link to the dark web. I was also advised by the company to file a report with the FBI and IC3 which I did. I submitted the companies report and FBI report to Bank of America via fax. I still received no contact. I went into my local Bank of America branch and had the manager send the information to the fraud department via secure Bank of America e-mail. 

I continued to contact Bank of America every week and half to check the status. Each time I called I spoke with a new representative in the fraud department who stated they would reopen my claims and contact me in 24 hours, this never happened. Nearly two and half months later, I still have not received any contact from Bank of America or a return of my funds. I have called repeatedly and have never been able to be connected to the person reviewing my claims. I am simply promised that someone will reach out to me within 24-48 which has never happened. 

At this point ( XX/XX/XXXX ), I am left with no other option than to retain legal representation to go after Bank of America to recoup the money transferred out of my accounts.
Product: Vehicle loan or lease

XX/XX/XXXX I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a credit card, I was denied my open-ended credit. I sent a certified letter to the company that was signed and has a return date of XX/XX/XXXX with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for for non-compliance pursuant 15 USC 1861o , 15 USC 1640, 15 USC 1691e and have not received any response.
Product: Debt collection

I have medical insurance with XXXX.I have excellent credit numbers.This is the first I have heard of this bill and it 's from XX/XX/2016.Not very fair.I have never even seen a paper bill from this.I had my medical bills from XXXX.It was XXXX I need paper verification as to why I owe this bill from Thomas Agency .
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 reporting agencies, plus XXXX, XXXX, and a number of others. I am XXXX and XXXX and have had criminal investigators from the US GOV helping me from 2 field offices and, the IRS, State and local law enforcement. In XX/XX/2013 my identity was stolen and my tax return was never delivered to me. They re-routed it to Texas and then north where it was cased. The CI 's  worked on this for 4 years and finally had so many other cases they threw in the towel. Well, these crooks have destroyed my life. I have nothing left except earning my XXXX XXXX XXXX at XXXX. I cant get a car, house, credit card, not even a secured one. There are almost 700 inquiries on my reports and I dont recall instigating any of them. I have to live with my parents and have since this happened. They ruined my computer, tapped into my cell phone, stole my information off both of them so trying to go to school I am using my grandmas little bitty laptop and a pre-paid phone. My life was stolen from me and they are still doing it. I cant live like this anymore. Life has no meaning anymore and the credit burieas dont really care. Ive contacted them every year, put freezes on my accounts and they all 3 still let people do inquiries on my reports. I want a clean slate. I am the victim and didnt ask for this.Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

In a recent copy of my credit report ( Confirmation # XXXX ), Equifax reported no payment activity during a XXXX year period ( XXXX XXXX XXXX ) on any of XXXX credit cards I have. 

In addition, a high credit balance that significantly exceeds the credit limit does not correspond with the period for which monthly balances are provided by XXXX, while XXXX XXXX  XXXX and XXXX XXXX report high credit balances exponentially greater than any balance reported in the XXXX period under review and for which monthly data is reported.
Product: Debt collection

XX/XX/XXXX Received a letter from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX Account # : XXXX, Notice # XXXX, IL Plate # XXXX, Violation XXXX, Amount Due {$28.00}. The letter indicated unpaid toll violation on the 495/95 Express Lane on the travel date of XX/XX/XXXX and the letter is from a debt collection agency. 

1. ) This was an old license plate number which was discontinued usage in XX/XX/XXXX due to moving to Missouri yet the letter indicates travel date of XX/XX/XXXX. 
2. ) I have never been on 495/95 and did not know it was out east until looking it up. 
3. ) Although the return address on the top of the letter is XXXX, VA ( as noted above ) the Address Service Requested reads XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 
4. ) May pay by sending in the bottom statement, XXXX, or by phone at XXXX.
Product: Credit card

starting in XX/XX/XXXX identity theft led to fraud on two different citibank credit cards.

emails and primary phone number were changed on accounts in XXXX, XXXX and XXXX continued to occur. 
at one point up to {$10000.00} in fraud charged, corrected by citi - no $ loss for me over 4 months, changed out credit cards 4 times added every level of 2 factor and security measures fraud was always the same phone number and email as of XX/XX/XXXX, despite security and checking the accounts every few days both accounts contact info were recently changed again. no new $ fraud. But seems CITI has no way to stop it. AND wont tell me any information which is frustrating.? Inside job? wonder