23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

This incompetent company continues to report my balance incorrectly to the credit bureaus. I DO NOT owe the {$20000.00} that they are reporting. This is another example of a terrible company taking advantage of a consumer. This is also another example to validate all the horrible and terrible reviews that you see about this company online. Unacceptable.
Product: Bank account or service

I requested copies of cancelled checks that were used to make payments on a home equity loan owned PNC Bank. I made the request to a PNC customer service representative on XXXX XXXX, 2015 and got no response to date.. I need this information to use as evidence in a pending court case.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached files and provide your feedback.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention several hard inquiries that have been recorded on my credit report without my authorization. The details of these inquiries are as follows : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX {$860.00} XXXX XX/XX/XXXX {$660.00} XXXX  XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX  XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX XX/XX/XXXX {$620.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$160.00} XXXX  XXXX XX/XX/XXXX {$82.00} XXXX & XXXX XX/XX/XXXX {$770.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$6300.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit card or prepaid card

I am writing due to an incredibly frustrating experience attempting to redeem my Chase Ultimate Rewards points via a points transfer to the United Mileage Plus Program. Due to what appears to be a system error on the side of the bank, I have been unable to transfer points from my Chase Ultimate Rewards Account to my United account since at least Tuesday, XX/XX/XXXX. I have called and attempted to resolve this issue with Chase customer service representatives on five separate occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the first two instances I was told that the system would resolve itself within 48 hours. In the second, I was told the system would resolve itself in maximum one week. In the fourth instance, I was told that the customer service representative would escalate the case to " the marketing team '' who could likely resolve the system error within 5-7 business days. After waiting 7 days and still being unable to transfer points, I called for a fifth time and was told by a supervisor that they would again escalate this case and that I should again expect a resolution timeline of approximately 3-5 business days. To date, I still do not have the ability to transfer points despite this being a well advertised service and main draw of Chase Bank 's credit card rewards program. Thanks to the bank 's system error and subsequent inability to either address the underlying problem or simply help me to facilitate a simple, one-time transfer I have suffered the following loss : - Loss of approximately 2 hours of time spent on hold, repeatedly explaining the same issue to multiple bank representatives- Loss of value in the points accrued in Chase 's program as the flight I had originally desired to purchase with Ultimate Rewards Points is now significantly more expensive
Product: Credit reporting or other personal consumer reports

I recently viewed my credit and noticed fraudulent activity on my report. Please remove fraudulent activity as it is hurting my ability to obtain credit. Thank you.
Product: Checking or savings account

Cards used without my knowledge Banking information used without my knowledge Fear for my life
Product: Credit reporting or other personal consumer reports

I notice on my credit report that the comments remarks, I called Equifax more than six time and ask for the dispute wording/ comment remarks to be removed. I am not disputing this account, Just want the remarks to be removed. And every Agent that I spoke to tells me that it will take 72 hours and the remarks under XXXX XXXX XXXX Account # XXXX would be removed off of the account. I have been asking since XX/XX/year> to be removed and they have deliberately and intentionally cause me great pain. The loan officer had paper ready for me to sign, because of Equifax giving me the run around about the dispute wording/ comments will be removed in 72hours. And nothing was done It's been XXXX  weeks. Now the home has been sold. Equifax also send me a report saying it would be removed. But the comments remarks are still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I consolidated all of my XXXX student loans with XXXX XXXX. The new loan appears accurately on my report. However, my 12 XXXX  loans appear as follows : {$0.00} balance, paid, current and closed. 
I am seeking the removal of all closed and late patents connected to these accounts if possible. 
I reached out to XXXX but they said that I had to contact the credit bureaus for further information. I have sent letters to the three major bureaus in XX/XX/2019. That above status remains. 
Im simply needing clarification or the removal of the accounts along with any negative reporting/late payment history that is now current.
Product: Debt collection

I am a victim of identity theft and noticed a collection from AFNI. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the new collections account with XXXX. Letting them know that I had already filed a complaint with CFPB about XXXX. They ignored my dispute immediately and even when I submitted proof refused to do anything about it.
Product: Credit reporting

I am unable to access my credit report because the information I have entered to receive my credit report does not match the information that the credit bureau has for my reported information. I know for sure that my information is correct because I have only ever had one address, and I have my social security card and driver 's license in front of me. I have no debt, assets, have never taken out a loan and have never gained credit, but I am getting calls from multiple debt collection agencies and I am worried I have been the victim of fraud or identity theft, but am unable to affirm or deny my fear because I can not access my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Balance Owed : {$270.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES WERE NOT INITIATED BY ME IN WRITING AND BEAR NO PERMISSIBLE PURPOSE. THESE ARE FRAUDULENT, DELETE IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I'm writing asking for help because I have pleaded for a fair investigation from Transunion for the following account XXXX XXXX XXXXXXXX XXXX, # XXXX Because this account is predatory, misleading with false statement of representation. I have tiresomely contacted Transunion by mail and gave them factual details of this account. Pointing out specific information that's being reported inaccurately, and they still have yet to correct this situation. To my knowledge they are non-compliant when it comes to me as a consumer. They are very dismissive and seem not to care that they are reporting inaccuracies on this account. 



According to the FCRA they have violated the following laws : 15 USC 1681 a, 15 USC 1681i 5, etc.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX XXXX, I started a Cashapp transaction to my niece. The money was removed from my attached XXXX  XXXX XXXX account on XX/XX/. When I checked with my niece to see if she received the {$100.00} I sent, she informed me that she neither received a notification of this transaction nor the {$100.00} I sent. I verified that I had send the Cashapp to the correct user name and we checked my niece 's Cashapp and XXXX XXXX XXXX  account to ensure that the money had not been received. 

I called Cashapp several times over the following days to try to find out where the {$100.00} had been sent. I was advise to request a refund from my niece and have her decline it so the transaction can show up. While the refund request showed on her account the original transaction did not and she still did not receive the money. When my niece tried to resolve issue on her end she was told to change her Cashapp name to solve the issue. This effort did not resolve the issue. 

At this point Cashapp advise that I file a dispute with my bank, XXXX  XXXX XXXX. I file a dispute with XXXX  XXXX XXXX on XX/XX/2023. I received notice on XX/XX/2023 that XXXX  XXXX XXXX was unable to return my funds. 

I contacted Cashapp again on XX/XX/2023 to inquire how to file a dispute with Cashapp since transaction took place on their platform. Not only was I told I could not file a dispute the support agent on the Cashapp chat disconnected the conversation with me, while I attempted to ask follow up questions causing me to have to start the conversation over with a new agent. The second agent disconnect the conversation as well without allowing me to dispute the transactions. 

I would like the CFPB to look into this situation to find confirmation of where the {$100.00} was send and have Cashapp return the funds to me. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon im writing today to talk to you about experian i recently tried to apply for a mortgage and new credit card with XXXX  XXXX XXXX and found out something is on my report that i need fixed XXXX  XXXX approved me for a XXXX dollar limit but denied me the card because they have the wrong contact number on file for me my number is XXXX and as for the mortgage i have dispute comments from XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX that need to be removed and i tried to call them at the number provide by XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX XXXX, learned that my personal information was used to open several accounts I did not authorize. I immediately contacted Experian, XXXX and XXXX. All 5 accounts now are reporting closed but status is incorrect as they now show balances. 3 of the accounts are reporting late/past due. I am a victim of at least two data breaches and identity theft. I closed the accounts in question immediately. They were not delinquent. None of the accounts were reporting balances. I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent supporting documents. 
I enclosed is a copy of my Identity Theft Report, a police report and a copy of my credit report showing the fraudulent items related to each company that are the result of identity theft. Ialso enclosed a copy of the CFPBs Notice to Furnishers of Information. 
I asked each company involved to investigate this matter, absolve me of all subsequent charges, take the steps required under the Fair Credit Reporting Act and send me a letter explaining all findings and actions.
Product: Checking or savings account

Charges for overdraft on transactions that were dated previous to a larger transaction and that happened XXXX to 5 Days preciously. 

Credit card payment posted on the XXXX/XXXX/XXXX by the credit card company and being charged on overdraft fee 4 Days later. 

No ryme or reason to how charges are posted other than they process large transactions first regardless of the date the transactions are received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX REPORTED LATE PAYMENTS FROM ME IN XXXX, XXXX XXXX AND OF 2018. I ATTEMPTED TO GET IT RECTIFIED AND XXXX XXXX SENT ME A LETTER WHICH I THEN FORWARDED TO THE THREE CREDIT BUREAUS, HOWEVER XXXX AND EXPERIAN CONTINUE TO REPORT LATE PAYMENT DURING THIS TIME ON MY CREDIT REPORT..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, and USPS XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00}
Product: Debt collection

Pursuant to 15 USC 1692a, the word communication is described as " the conveying of information regarding a debt directly or indirectly to any person through any medium ''. This is a notice to cease all communications pursuant to 15 USC 1692c on this this alleged debt which clearly includes credit reporting as it is an indirect medium. Except you may ONLY communicate with me under the stipulations that you are responding to a cfpb complaint and/or sending me validating documents through U.S. mail . Validating documents must also include the entire purchase agreement to which I had indorsed on this transferred instrument with you pursuant to UCC 3-204. I had not indorsed this instrument ( a.k.a contract ) so you legally can not collect pursuant to UCC 3-203.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$47000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX. 
XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$18000.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - - PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$18000.00} Original balance $ 0 Monthly payment {$270.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments XXXX XXXX  Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number ( XXXX ) XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Vehicle loan or lease

I purchased a vehicle and XXXX  was then original lien holder for the car then subsequently taken over by Westlake Portfolio Management. I have paid off my account in 2019 and I still didn't received the title for my vehicle. I went to the DMV to request a title and I found that they never released the lien hold on my vehicle e ven after paying the entirety of vehicle loan. I reached out to Westlake and they sent me a notarized lien release and power of attorney indicating that they have taken over the original lien holder, XXXX. DMV Hawaii requires that Westlake Portfolio sign and notarized the Application of Title. Which they adamantly declined to cooperate and not allowing to obtain a title for my vehicle. I have spoken to numerous employees and even provided them with application and still nothing. I even tried to ask for their supervisor and I was told that the supervisor is too busy to speak to me and address the issue
Product: Credit card

I have had my Bank of America credit card for several years now and it has been an ongoing issue. Out of all my credit cards, this is the only one that I get late fees and penalties because they put up so many barriers to making a payment. I have tried now 4 times to set up my external bank account to process payments on, with no success and no support from customer service. This seems like a shady way for Bank of America to charge fees for late payments, since they put up so many barriers to pay your statement.
Product: Debt collection

I am writing regarding a collection account dated XX/XX/XXXX ( capital one account ) being handled by XXXX XXXX. I have disputed this account since approximately XX/XX/XXXX without any documentation from XXXX XXXX concerning validation of this debt. After many attempts disputing with all 3 credit reporting agencies I decided to dispute this debt once again. My most recent dispute letter dated XX/XX/XXXX addressed to XXXX. I did receive a reply today XX/XX/XXXX received by email message XXXX XXXX ( credit monitoring service ) that this debt is being reported as " past due '' and no longer a collection account. This maliciousness has to stop by this company. In the past they have reaged this account on many occasions and have caused headaches and damage to my credit. During this time I was also a victim of identity theft. As a result I have received free service through the XXXX credit monitoring service for several years. According to FCRA, all debts have to validated in order to collect a debt. To date XXXX has not complied with the law and should be held accountable for deceiving actions. I would appreciate if CFPB could help me resolve this problem which I have tried to do myself with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX was contacted on XX/XX/2021 on behalf of reporting inaccurate inquiries on credit file. Also EQUIFAX could not verify that the consumer gave permission to report on credit file violating rights under 15 USC 1681b.
Product: Debt collection

In their own information that they sent showed that I had paid and overpaid just as I had thought and stated in fact this isn't even my debt it is an ex-boyfriend of mine who opened this credit card but he even stated he paid he said he know he did he paid with my account I had covid at the time anyways the account has since been closed but they have in their own notes that I overpaid and I have the proof of it. Screenshots of their XXXX XXXX. I will absolutely take them to court and sue them for every dime I am out including court cost and I'm sure I will win.