23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a Motorcycle using HDFS in XX/XX/XXXX. During my loan obligation of XXXX months, I had several months when the loan was late. In XX/XX/XXXX I received a deferment and was told I would need to pay anadditional month at the end of the loan. After regaining a positive payment record during the last XXXX months of the loan, I came to the end of the loan and inquired as to how much interest remained due tolate payments. I agreed with the amounts and asked SPECIFICALLY " Do I continue to make payments as usual? '' and was told " YES ''. Despite specifically inquiring about due dates and payment terms, XXXX was notified of a mandatory " LUMP SUM '' Payment XXXX I received a late mark on my credit report. When I asked the customer service representative as to where in my contract it stated the " LUMPSUM '' balance was due, there was none. When I asked about the XXXX month extension I received during my deferment, I was told by a supervisor " I 'm sorry I do n't know, I cant help you ''. I expressed thenthat this is not fair credit reporting as I am making payments each month as I was advised to do, yet I am receiving added interest daily PLUS a late mark on my credit. A company should properly discloseto customers what they are being charged for, when it is due, the amount due and dates due by. XXXX XXXX was called to confirm next steps and failed to provide accurate information, continued totake payments yet reported to the credit bureaus as late. The male supervisor guaranteed the terms where spelled out clearly in my contract and I later spoke to a female supervisor who stated XXXX that it was n't. My credit is ruined and even after the long history was told " Common sense should have told me it was all due in XXXX ''. I do n't deserve to be insulted and this is business. 
Professionally I would like this resolved. I have made the payment of the balance in full and am demanding my credit file be updated to reflect what I as a consumer was told by the finance company I trusted.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous unsuccessful attempts to remove unknown inquiries from my credit report. 

Despite my repeated efforts to dispute these unauthorized inquiries with the credit reporting agencies, the inquiries remain on my credit report, adversely affecting my creditworthiness and financial standing. The persistence of these unknown inquiries is deeply concerning, as they suggest potential unauthorized access to my credit information. 

I have diligently followed all procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these inquiries, providing detailed explanations and supporting documentation to prove their unauthorized nature. However, the credit reporting agencies have failed to take appropriate action to remove these inquiries from my credit report. 

Given the seriousness of this matter and the potential implications for my financial security, I request that you intervene to expedite the removal of these unknown inquiries from my credit report. I urge the credit reporting agencies to conduct a thorough investigation into these inquiries and take immediate action to rectify the situation. 

Furthermore, I request appropriate restitution for any damages suffered as a result of these unauthorized inquiries, including reimbursement for any costs incurred in disputing these inquiries and potential financial losses resulting from unauthorized access to my credit information. With this, I am asking for your assisstance to remove these unknown inquiries in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

Dear Sir/Mdm, I set up a crypto currency digital wallet with Coinbase on XX/XX/2021. 
Bought some crypto coins and transfer into the wallet. 
On XX/XX/2021, i realised that most of the coins were missing from the wallet and i tried to log out and log in again using the 12 words recovery seed. The coins remains missing and the original wallet also went missing and was changed to another public address. 
I contacted Coinbase since then, they are unable to resolve this issue or recover my coins. 
I believe that there is a Coinbase system glitch that results in my missing wallet and ask for compensation in terms of number of coins that were in my wallet before they went missing.
Product: Money transfer, virtual currency, or money service

I paid, via bill pay, {$500.00} to my credit card at XXXX on XX/XX/2021, the payment was never made and the bank kept my money. The initial refund and admittance to the payment not being made was on XX/XX/2021. Then an authorized debit of {$500.00} was done on XXXX XXXX. They initially refused to start a dispute on XX/XX/2021 And XX/XX/XXXX and then again on XX/XX/2021. Finally I had a dispute started again on XX/XX/2021. I have not received any notification of any action thus far.
Product: Checking or savings account

Following a fraud situation where I was threatened by a criminal online to deposit money into my credit card account, my bank decided to close my account. I then asked if my IRA and checking account was going to be returned to me, upon his response was, I dont see why not. I was told to call back in two weeks and I could rollover my IRA and transfer my checking to another institution. 
I called back on the XXXX of XXXX to be given a list by the fraud team that I had to complete to get my money back. The list was comprehensive including proof off outside account legitimacy. However, one of the stipulations was to prove the legitimacy of two checks my father wrote to me from his XXXX XXXXXXXX XXXX. The proof of check and proof of bank bia signature and check guarantee didnt satisfy their list. They also want a medallion signature stamp and ( loi ) or letter of intent. My dad asked his bank about this medallion stamp and he has it on a recorded line that the teller had never heard of that stamp being used in this scenario and thats a service they provide. He then asked the teller to please ask the district manager if he knows of this practice and he responded by saying that sometimes in the case of IRAs or bigger money amounts its used, but not to simply prove the legitimacy of a check. 
So, XXXX has stated that the signature guarantee and check guarantee are not enough to release the funds. I am going crazy be I worked so hard to build this nest egg and I feel that its my right to have my money returned.
Product: Checking or savings account

Hello my name is XXXX XXXX XXXX. I am a victim of identity theft and my personal information was compromised. Accounts was opened in my name without my consent. I also just recently filed bankruptcy and I included Regions bank with my filling. Attached are the legal documents
Product: Debt collection

The account was open in XX/XX/XXXX it was closed XX/XX/XXXX. I never received any notice of it still being opened and or that I owed money. I check my report weekly. And it just hit my report about a month ago and it states that it hit XX/XX/XXXX. I have tried to call and figure this out but they say they're only legally obligated to report it so many days after they receive it in collections. I've kept a close eye on my credit because I'm currently trying to get back on my feet due to unexpected events this last year now. Please help me. It's not that I even mind paying the debt if it's accurate. I wouldn't have minded if I ever received notice. But it's been over a year! How can they do this to me now?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has several hard inquiries on my credit report that I did not authorized. These come from the date ( s ) of XX/XX/2020. They appear from the name ( s ) of XXXX XXXX XXXX and XXXX. I am asking that they be deleted from credit profile.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, XXXX, and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, XXXX, and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, XXXX, and XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Kohl 's regarding their failure to comply with my opt-out request to stop reporting account information to non-affiliate third-party credit reporting agencies, namely XXXX, XXXX, and XXXX. 

On XX/XX/2024, I sent a written opt-out request to Kohl 's XXXX requesting that they cease reporting my account information to non-affiliate third-party credit reporting agencies. This opt-out request was sent in accordance with the Fair Credit Reporting Act ( FCRA ) and the regulations outlined by the Consumer Financial Protection Bureau XXXX CFPB ). 

Per FCRA regulations, Kohl 's was provided with a XXXXday window to respond to my opt-out request. However, to date, I have not received any response from Kohl 's, nor have they taken any action to stop reporting my account information to the aforementioned credit reporting agencies. 

This failure to comply with my opt-out request has resulted in continued reporting of my account information to credit reporting agencies without my consent, which is in violation of my rights under the FCRA. 

I request investigation into this matter and take appropriate action against Kohl 's for their failure to comply with my opt-out request and for violating the provisions of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I request that my current address be updated accordingly. 

XXXX. Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that my employer be updated. 

XXXX. Date of Birth : XXXX I request that my XXXX be updated accordingly.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these inquiries that am complaining.
Product: Checking or savings account

Have submitted what was required five ( 5 ) times since XX/XX/year>, spoke to Citi bank representative and each time was given no results and told to submit request. When I explained already did that was told no record exist. The account belongs to my sister who passed away in XX/XX/year>, I am the sole heir.
Product: Mortgage

We are not able to see the scheduled activity on the portal. As we waited for the auto payment to take an effect. We are not able to cancel or see any scheduled payment. Out of the sudden we are surprised by double overdrawn from FIFTH THIRD BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my XXXX credit report and found a total of XXXX collection accounts that date back to XXXX and XXXX. The Agency is Simon 's Agency, XXXX XXXX XXXX. XXXX, NY XXXX. The phone number is XXXX. The XXXX accounts were all from the same Company, XXXX XXXX. Since I was in the hospital  for XXXX XXXX during that time period, I am assuming it was related to that. I did have Insurance and I believe I had payed everything that was due. One of those charges was for {$420.00} which I can't understand that I owe as I had Insurance that should have covered the expenses if they are even related to me. I called Simon 's and they were not helpful to say the least. They E-mailed me a bill that did not help one bit, as it did not mention what the charges were for, who did them and what was done, were they denied by the Insurance company and if so, why? I filed a complaint with XXXX and I was told to contact Simon 's agency for copies of my bill. I did that, got nowhere with them. They told me they will mail me the information, but I recieved the same balance sheet they had faxed. It in no way explained any part of my bill so I can't even check into it. I called XXXX XXXX and the phone was disconnected. I called the Hospital and they Informed me that they no longer do business with XXXX XXXX and that they are out of business. The hospital also said I do not owe them anything from back then. I need Simon 's agency to send me copies of the XXXX bills with the proper medical coding so I can submit them to my Insurance Company or challenge them if they are not my biils. If they can't do that than the XXXX accounts in collections should be removed from my credit repoirts.
Product: Credit reporting, credit repair services, or other personal consumer reports

* 'One Main Financial ' advertised an offer and i signed for, but it was a false advertisement. They were offering a 10,000 loan and the payback was over 30,000. Therefore i think they have to remove the hard inquiries for false advertisement. 

* XXXX XXXX sent me letter of pre-approval for car refinance, and i ended up with Hard inquiry. 

* I do not remember much about the XXXX XXXX XXXX I only do not want those inquiries last any longer on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

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

First of all, Transunion still reports a 30 month late on a vehicle I have paid off back in XX/XX/XXXX, still effects my score. I filled out an online dispute using their dispute page back in XX/XX/XXXX to get it cleared up. On my quick view report via XXXX, it still shows 1 late payment on my report and my score is almost 90 points lower than XXXX and XXXX. I called a few times to get this corrected and also get my free report this week XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX and each time I get hung up on. All I would like is to get this fixed because I would like to buy a home soon. 

Regards, XXXX
Product: Credit reporting or other personal consumer reports

please remove this fraud from my report I did not aortherise this
Product: Credit reporting or other personal consumer reports

They have a my name on report as XXXX XXXX and XXXX XXXX XXXX . My name should only be listed as XXXX XXXX. They also have 2 addresses on there that I have no knowledge of XXXX XXXX XXXX XXXX, Mi XXXX, XXXX XXXX XXXX XXXX, Michigan XXXX. They also have a bankruptcy on my report that I have no knowledge of and I reached out the courts and XXXX XXXX and they cant verify where theyre getting this information from. Ive disputed this information several times but the credit bureaus keep coming back stating that they verified the information but has sent me no proof. I have a letter from the court stating that they have no information also. One last thing, I havent stayed in XXXX in over 25 years so I dont know where these addresses came from I also had to file a police report before for identity theft after my divorce.
Product: Credit reporting

Experian fail to investigate dipute items on credit report. there is a payment on accounts and it saids that account has been sold.
Product: Checking or savings account

Dispute ID XXXX The person that is impersonating Chime first texted my phone on Wednesday XX/XX/year> at XXXX about a {$74.00} XXXX transaction that I did not approve of. In response, I get a text saying that Chime will call me shortly. At XXXX I get a call from XXXX. Chimes phone number so I answer. A man who introduced himself as a Chime customer service representative tells me about how he can help me avoid the {$74.00} XXXX transaction but also XXXX separate {$500.00} transfers that was going to be initiated to someones bank account by XXXX XXXX XXXX. He said that he could help me by having me send the money in my checking to a funds replacement account. He asked me to verify the amount of money in my checkings, savings and credit builder. He said a higher Chime associate was going to send me something through the app in order to ensure my funds wouldnt be stolen. At XXXX I received a money transfer request from XXXX XXXX for {$880.00} for funds replacement. I had many questions like if my password was compromised or who couldve gotten access to my account but he was very interruptive and dismissive of my questions. He urged me that this procedure would protect my funds. I started to send the money to XXXX XXXX but an error prevented it from going through so he told me that another Chime associate would be asking for the funds replacement transfer. At XXXX I received a transfer request from XXXX XXXX for {$880.00} for funds replacement. The instructions for this procedure felt confusing but I followed because I thought I was on the phone with a Chime representative and I wanted to prevent my money from being stolen. He assured me it wasnt going to take the money out of my account. He said it would just put my funds in position to prevent the XXXX {$500.00} transfers that were being initiated. He said once I initiated the funds replacement transfer, I would receive an email from Chime that was going to protect my funds. I unknowingly transferred {$880.00} to XXXX XXXX I assumed he would send the email but it never came and he hung up on me. I then proceeded to call the exact same number, XXXX ( Chime ) trying to figure out what just happened to me and how to get my money back. I was on the phone with Chime for an additional XXXX minutes filing a dispute for this transaction. 
I was scammed because I thought that the Chime phone number was something I could trust. I have attached screenshots of my call log clearly showing Chimes phone number calling me during this scam. I need to have the full {$880.00} refunded to my account as soon as possible. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter in reference to my previous dispute submitted to your agency on XX/XX/year> that remains open and it's more than a month already. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries.
Product: Debt collection

Request debt validation from Synchrony Bank, once the debt was sold to portfolio associates i Request debt verification and turned into XXXX XXXX XXXX XXXX, I sent them all information i had sent to XXXX XXXX XXXX and the Requested a fraudulent report be submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I sent the letter on XXXX XXXX but I sill haveng hot any response. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit took over the XXXX XXXX account since it was deliquent. This was then sent to XXXX XXXX XXXX XXXX XXXX. I contacted the law firm in XX/XX/2021 to settle the account. The account was then settled and they informed me they will send a letter to Midland Credit. My account has continued to show up as late/unsettled for the past 6 months. In XX/XX/2021 I called Midland Credit to ask why this is still reporting as unsettled. They stated I needed to call XXXX XXXX XXXX XXXX XXXX. I called the law firm and they reported this account was settled and letter was sent to Midland Credit in XX/XX/2021. I called Midland credit again, numerous times, and was told they would be requesting a letter from XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX again in XXXX XXXX and they are still showing a balance on a settled account. I asked what I needed to do and they asked I call the Law firm. It has been 6 months and Midland credit refuses to update my account. I have asked to speak to managers and have been refused stating they can not assist. Again, this account was settled with XXXX XXXX XXXX XXXX XXXX since XX/XX/2021. Midland credit will not udpate my account so it can reflect on my credit. 

The amount in question is {$210.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1666b Company did not mail or deliver bill within 21 days before the payment due.