23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have dispute XXXX XXXX XXXX accounts on my credit report XXXX times, twice via online, and twice via mail. Each time I have submitted a receipt from the creditor showing that the accounts are paid in full and are to be removed from my reported. Transunion continues to say that the accounts are active collections despite documentation.
Product: Credit reporting or other personal consumer reports

The personal details on my credit report are incorrect. I've attached my documents for you to update the information. Please make sure to correct my address as soon as possible.
Product: Credit card

I USE CREDIT CARD OF CAPITAL ONE ON THE DAY XX/XX/XXXX I GOT CHARGE SOME TRANSACTION I DIDNT KNOW LIKE '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' AFTER I CALLED FOR THE BANK THEY SAID WILL SEND FOR ME ANOTHER CARD AND TAKE OUT ALL THAT TRANSACTION. NEXT DAY SOMEONE KEEP HACKING AND CHANGE MY PASSWORD AND PHONE NUMBER IN THERE. I CALLED FOR THE BANK TO LET THEM KNOW I JUST USE 1 PHONE NUMBER IS XXXX BUT WHY IT SHOW IN THERE THE PHONE NUMBER OF THE HACKER IS ( XXXX ) XXXX AND THEY ADD A MANAGER USER NAME XXXX, XXXX, AND XXXX I THOUGH IT FROM THE BANK LOG IN TO HELP ME FIX THIS FRAUD TRANSACTION BUT THEN THEY KEEP CHARGING MY CARD BY USE THAT PHONE NUMBER TO VERIFY THE VISUAL CARD. THEY KEEP ADD ACCOUNT IN XXXXXXXX XXXX AND XXXX AND THE LINK APPS. I TRIED CALLED THE BANK ALOT OF TIME XXXX TIMES A DAY BUT THEY KEEP HACKING BACK FROM XX/XX/XXXX UNTIL XX/XX/XXXX IT MAKE ME SO STRESSFUL SO I DECIDED TO CLOSE THE BANK. BUT AFTER I CLOSED IT TODAY XX/XX/XXXX THE BANK TOLD ME THOES CHARGE STICK WITH SOME USER RELATIVE TO ME SO THEY WILL CHARGE ME. I CALLED THEM TO DONT LET ANYBODY LOG IN MY ACCOUNT OR CHANGE PASSWORD OR MY PHONE NUMBER. BUT THE BANK KEEP CHANGE FOR THEM OVER XXXX EVERYSINGLE DAY. THEY JIUST CHANGED CARD NUMBER XXXX BUT IT NOT WORK BECAUSE THE HACKER JUST GIVE FOR THEM MY SOCIAL NUMBER THE BANK KEEP CHANGE MY ACCOUNT EVEN I VERIFIED MY ID WITH THEM XXXX ALREADY AND TOOK PICTURE DETAIL AND ADDRESS. THE SECURITY OF THE BANK REALLY BAD. I GOT HACKED AFTER I SHARE THE LINK CAPITAL ONE FOR MY FRIEND TO APPLY. AFTER THAT XXXX I GOT HACKED.
Product: Credit reporting, credit repair services, or other personal consumer reports

We refinanced our US BANK mortgage with another bank, and U.S Bank has not reported accurately to all 3 credit bureaus. Both our mortgage and heloc accounts are still showing up as " open '' even though we refinanced almost 2 moths ago. 

I called U.S Bank to inquire when they would report and they told me the XXXX of every month. Today is the XXXX and the only credit bureau they reported to was XXXX. XXXX and XXXX are still showing US BANK accounts as " open ''.
Product: Credit reporting or other personal consumer reports

Ive had credit card fraud with XXXX, XXXX, golden 1 and XXXX XXXX XXXX. Ive put a freeze on my credit for XXXX XXXX and XXXX.
Product: Payday loan

I took a loan out with One click cash for {$800.00} installment loan and they want to repaid over {$4000.00} in 20 months!!!! This is illegal and loan sharking.
Product: Debt collection

About XXXX XXXX, XXXX XXXX XXXX started trying to collect a deficiency amount on a mortgage that had been improperly foreclosed by GMAC in XXXX XXXX. GMAC has since admitted violating the required procedures for foreclosure and I was compensated by 2 different federal settlements from the mortgage lawsuits. 
GMAC shows my balance as {$0.00}. No Deficiency judgement was ever sought or obtained for this amount by GMAC or XXXX XXXX and Tennessee has a 2-year statute of limitations for such filings under Tenn Code XXXX XXXX. XXXX XXXX is aware of this law but has continued to report this to XXXX and XXXX as an unpaid collection. I have disputed this with both bureaus and XXXX has remove it but not XXXX. This has hindered my ability to obtain a mortgage using my VA loan. XXXX XXXX is unresponsive about this. This is an unfair collection attempt by a 3rd party for a balance that the original lender agreed to remove under the federal settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$510.00}. XXXX XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$610.00} XXXX  XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$0.00XXXX XXXX XXXX ( XX/XX/XXXX now updated XX/XX/XXXX ) {$440.00} XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$0.00} XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$0.00} And my personal information updated XX/XX/XXXX I contacted all ( TransUnion, XXXX, XXXX ) to update my information and a complaint of identity theft as well as an police Report is on file my personal information was breached and misused. And how these agencies verified information with the wrong personal information ( address, name, birthday, No ssn, No work history, as well as the address to these accounts.
Product: Credit card

I used my Bank of America Visa credit card in this transaction for which I disputed the charge. I pre-ordered an aquarium from the online retailer XXXX in XXXX XXXX with an expected ship date of XXXX XXXX. Multiple delays led to an estimated ship date of XXXX XXXX, and then finally XXXX XXXX. However, the seller stopped communicating earlier in the year and I have tried multiple times to contact them through various methods such as email, online form, and chat. In addition, I moved in XXXX and have been unable to successfully update my shipping address. I called Bank of America initially to start a dispute and the person I spoke to on the phone said that even though this was charged in XXXX XXXX, that because the latest updated shipping was XXXX XXXX, that it would be no problem and still within timeframe and she was able to initiate a dispute. I received a fax number which to fax in my request and all supporting documents. After doing so, I received a letter saying the dispute fell outside the timeframe and they can not do anything. I called in again and this time a different representative said there is nothing they can do, contrary to what I was told the first time I called.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau inserted three bankruptcies that do not belong to me. These bankruptcies belong to a different XXXX XXXX ( Whom I do not know ). They were removed from my credit report during a previous investigation in XXXX, and suddenly without notice the company has put them back on my credit report. I never lived at any of the addresses of these bankruptcies, and the person whom they belong to has a different social security number. Additionally, the agency gave me no notice or reason for the insertion of these bankruptcies. No documentation. I contacted the courts and the courts assert that Equifax DID NOT get this information from them. I am sending again copies of my leases from the last several years as proof of my address, a copy of my social security card and my drivers license.
Product: Bank account or service

PNC BANK HAS NOT RESPONDED TO ANY OF MY DISPUTES. I HAVE WRITTEN THEM SINCE XXXX. I AM REQUESTING THEY REMOVE THE FRAUDULENT INQUIRIES ASAP BY LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX refuse to remove this invalid information that I have attached. I have filed police reports, affidavits, and hired XXXX XXXX to remove without avail the XXXXDivision of Child support record that was opened in XXXX, has a zero balance, is still active and should be purged after 7 years and not in XXXX. It is fraudulent and there is supporting evidence that these bureaus and other reporting agencies refuse to acknowledge as invalid, fraudulent, and should be purged.
Product: Debt collection

Midland funding is on my credit report, I have no knowledge of this company or debit they are attempting to collect. I have disputed with the credit bureaus 2 times and requested a signed copy of the contract with midland funding and they have never provided proof. They have called me numerous times and have called my parents house as well. I want this deleted from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items like a new employer added to my credit report, many auto inquiry were also done that I never placed or applied for. These were all mostly done XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Auto FINANCE XXXX XXXX XXXX XXXX XXXX XXXX
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. Account name : XXXX XXXX # XXXX Amount {$7300.00} Account name : XXXX XXXX # XXXX Amount {$2400.00} Account name : XXXX XXXX # XXXX Amount {$3500.00} Account name : XXXX XXXX XXXX # XXXX Amount {$11000.00}, 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: Mortgage

Hello, We are in the process of a loan XXXX and partial claim with Rushmore services they have quoted us one term monthly price but sent out a letter on XX/XX/XXXX with another monthly price. I called and spoke with XXXX on Monday and she states to go with with price on the modi-cations documents, since working with this Leander I would prefer something in writing pertaining to this issue and before signing, I have sent documents to our Attroney for review. But this is very confusing as a home owner. I would like this investigated for myself and future clients. I do understand the interest rate has increase that is bad enough but to different quotes doesn't seem fair to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fait Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Crdit Reporting act XXXX Account # 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. 

XXXX XXXX - XXXX XXXX XXXX XXXX OF XXXX - XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I made a loan payment and ended up refinancing the same day so I called to have the payment reversed. Santander said I called 6 minutes too late and they couldn't reverse it. The car was paid in full on XX/XX/XXXX. I have contacted Santander several times since then about my refund for the over payment. They never responded so I called and they said they are holding my money for another month. I am a XXXX XXXX XXXX XXXX XXXX, I desperately need this money to keep my lights on-theyre disconnecting on Monday. I explained this and Santander said they can request a release but no guarantee. I'm starving, my kids are starving, and they are holding my money illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX I noticed on my credit report with Experian that XXXX XXXX XXXX still reporting an account with terms being one month inaccurately. 

There were no terms agreed Upon and I never agreed to any terms for this account. Please validate this entry. 

I have disputed several irregularities with this account and still continue to find improper reporting. 

This is damaging me in a daily basis and fear this is causing my credit score to drop significantly. XXXX is knowingly, willfully and maliciously reporting an active payment history as you will see on the documents attached,
Product: Vehicle loan or lease

I purchased a Tesla XXXX XXXX from Tesla 's XXXX, New York location on Friday XXXX XXXX. The car was purchased by fully paying for it by certified check. ( I had to use the " Car Lease '' option on the CFPB website as there is no other option to register my complaint. ) The car had been booked online on Tesla 's system in lieu of the delivery of a different car which had been booked months earlier for scheduled XXXX delivery but which had been delayed. 

On getting home I was shocked to discover that the " new '' car I had purchased had over XXXX miles on it and was obviously a demo car or a used car that the dealership had owned. 

The whole process to sign and take delivery at the Tesla XXXX location was extremely rushed. It was Friday evening ( around XXXX XXXX  ) I was asked to sign a bunch a papers without any disclosure on what I was signing, was given no documents and was handed the car at sundown to drive home. At no point was it disclosed that the car has a certain mileage that I should know about and check. Tesla 's don't come with a standard odometer and I discovered the high mileage on the car by going to the Tesla App once I got home.

I was extremely unhappy by this turn of events and contacted Tesla the next day ( Saturday XX/XX/XXXX ) to register my intent to return the car, At the same time I asked to get access to the paperwork for the car. Tesla claimed that the mileage was disclosed on the paperwork I signed. The taking delivery process was very rushed, I couldn't read the details of the contract and it was not even given to me until I asked for it again later. Bottom line, I did not expect to buy a new car but get one with over XXXX miles on it.

Tesla said they had put in a price reduction of {$560.00} for the demo car. I told them that the same is not acceptable to me. The car is over XXXX miles or 6 % into the XXXX mile warranty in addition to wear and tear. A 1 % reduction in the car 's price is not reflective of those facts. I told them that I would like to return this car and wait for the NEW car we had ordered several months ago. 

I offered to return the car promptly to Tesla, by submitting that request in writing via email to the rep I was interfacing with, but have not heard back from them.
Product: Debt collection

I am filing this complaint against TriVerity , Inc., regarding their handling of a debt they claim I owe to XXXX XXXX XXXX. Despite my previous requests for complete debt validation under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692g, TriVerity , Inc. has failed to provide the required documentation to substantiate the legitimacy and accuracy of the debt. This debt has been reported to the credit bureaus without proper validation, thereby negatively impacting my credit report. 
Summary of My Requests and TriVerity, Inc.s Response : Debt Validation Request Sent and Received : On XX/XX/year>, I sent a certified debt validation request to TriVerity , Inc. , which they received. I requested complete validation of the debt, including essential information such as the original creditors name and address, details regarding the debt transfer, dates of delinquency and default, a detailed breakdown of charges, verification of the applicable statute of limitations, and proof of TriVerity , Inc.s authorization to collect debts in Illinois . TriVerity , Inc.s response to this request has been insufficient, providing only a bill from XXXX XXXX XXXX with no further supporting documentation. 
Lack of Adequate Response and Documentation : As of this complaint date, TriVerity , Inc. has not provided the documentation required to validate this debts legitimacy as per 15 U.S.C. 1692g. This lack of response does not comply with FDCPA requirements, which mandate that collectors cease collection activities until adequate debt validation has been provided. 
Debt Reporting to Credit Bureaus in Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Despite failing to validate the debt, TriVerity , Inc. has reported it to credit bureaus, resulting in negative entries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, reporting a debt without adequate validation constitutes a potential violation, as it could result in the transmission of inaccurate or unverified information.
Product: Credit card or prepaid card

In XX/XX/2023, when logging into my American express account online, I received a popped up invitation to apply for Amex XXXX XXXX that has a sign up bonus offer of XXXX points after XXXX spending in 6 months. I applied and got approved on XX/XX/2023. I was charged annual fee of {$690.00}. 

After the approval, on XX/XX/2023, I called American express customer service to confirm the term and condition of the sign up bonus, and the service presentative reassured me the offer is valid. I decided to keep the card and try to meet the spending requirement for the sign up bonus. 

After meeting the spending requirement of {$6000.00} on the card on XX/XX/2023, I called Amex again and was told I met the condition and the points can be credited anytime. 

I called Amex again on XX/XX/2023 when no points showed up, and was told again that I met the condition, and points will be posted in XXXX. 

On XX/XX/XXXX, I called Amex and the representative agreed that I should be credited and filed a case with # XXXX. I received a paper letter later saying they already credit me, which is not correct. 

On XX/XX/XXXX, I called Amex and the representative agreed again that the first letter is incorrect and I have not been credited. She helped to open a second case. I later received a paper letter saying I haven't met the spending requirement. 

On XX/XX/XXXX, I called Amex and the representative now says I do not qualify for the sign up bonus since I had another XXXX XXXX. I asked to cancel the card and get full refund of the annual fee. The representative refused to refund me the annual fee saying it has been more than 30 days. 

So in summary, I was tricked into applying for a XXXX XXXX and paid {$690.00} annual fee. I was misled by American express after calls and paper letter telling me I qualified for the sign up bonus. I never received the promised XXXX points. 

I am demanding American Express to either fulfill the condition and credit me XXXX points.
Product: Credit reporting or other personal consumer reports

TransUnion reported child support obligations listed on credit report on XX/XX/2023, breaching consumer rights under the Fair Credit Reporting Act ( FCRA ) by disclosing sensitive and protected information without proper consent or verification procedures, resulting in potential discrimination and financial harm. There is no knowledge of such obligations or any forms of consent to debt. The amount publicly displayed on credit report is {$180000.00} which states filed by Wisconsin with reference number XXXX.
Product: Checking or savings account

On numerous occasions, I have attempted to link an external account to my Wells Fargo account. 

As per their instructions, you have to link the external account using the bank name, account number and the routing number of the external account. Upon successfully entering this information, you are to wait 2-3 business days for two trial deposits to be made into the external account. 

When these trial deposits are made, you are to go back to Wells Fargo and enter in these trial deposit amounts into the Transfer confirmation page on Wells Fargo. Once these amounts are entered, Wells Fargo approves the process and proceeds with the process of linking your external account. 

Unfortunately, this was not the case for me, I did everything required of me to link my Wells Fargo account to my external account however Wells Fargo has refused to allow me to link my account and have thus suspended my ability to do so. 

I have made many attempts, since XXXX, in fact, to complete these steps however they have blocked all of my efforts. They have sent me to Tech services, Customer service, Customer support and every other department that they could transfer me to in order to thwart my efforts. 

Regardless of where they transfer my call to and who they have me speak with, no one is willing to resolve this issue. They blame the other institution and say that they are the ones holding up this process. I contacted the other institution and they tell me that they have no issues with my account and they aren't blocking anything. In fact, they tell me that this is not the first time that they have seen this issue with Wells Fargo and it appears that thwarting the efforts of a customer to transfer funds is something that Wells Fargo does often. 

Wells Fargo deletes my requests then tells me that I have to try again only to cancel each request and try again, each time pushing the process back by 3 days. They have me in a vicious cycle of trying to access my account and each time they suspend my ability to do so. 

Each time I enter the trial deposit amounts, they claim that what I entered differs from what they have in their records. When I ask them to confirm what they claim the amounts are, they refuse to tell me. 

I have gone through this process over 20 times however they only have in their records for the month of XXXX, which is problematic. 

I need for someone to intervene on my behalf because Wells Fargo is denying me access to my account and denying me the right to move my monies to the account of my choice. 

This is wrong, illegal and reeks of shady business practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following entries on my credit report were not authorized by me : Fraudulent Accounts : XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$3300.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$3300.00} Fraudulent Inquiries : XXXX. XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Dates : XX/XX/XXXX ( multiple instances ) XXXXXXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of XXXX  XXXX  I request the following accounts be blocked XXXX XXXX XXXX XXXX XXXX