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

First of all, I purchased a used car on XXXX from XXXX XXXX XXXX XXXX XXXX XXXX whose agent forcibly sold me a " Vehicle Service Coverage '' in an amount of {$1500.00} and GAP protection in an amount of {$650.00} through Credit Acceptance. 
At the time of purchase the dealership set me up with Credit Acceptance for refinancing the used car. After 7 month, I refinanced the car with XXXX  XXXX XXXX due to high interest rate ( % XXXX ) with Credit Acceptance. However, at the time of refinancing I requested payoff letter from Credit Acceptance to cancel all product associating with my account. They provided me A payoff letter on XXXX and indicated that I did not have XXXX XXXX. I contacted several times to make sure everything was cancelled on XXXX but recently in XXXX of XXXX  I found out that XXXX was not cancelled. I expressed my sadness to the Credit Acceptance because of their lack of proficiency by their agent. Then, I told them to cancel it and refund me the coverage difference. They refunded only small amount of {$160.00} but not the complete amount that I requested at the time of payoff letter. I tried to resolve this issue with the Credit Acceptance but they are consistently denying my request. Considering the fact that XXXX was forcibly sold and Credit Acceptance did not disclose that I have XXXX at the time of payoff, I kindly ask help to restore fairness. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to urgently inform you that I have been a victim of identity theft, resulting in several unauthorized accounts appearing on my credit report. These fraudulent entries were made without my knowledge or consent, and I am requesting immediate action to correct this issue. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ), and I demand the prompt removal of these fraudulent accounts to restore the accuracy and integrity of my credit report.
Product: Debt collection

I have been billed for an account that is not mine. I have never had XXXX  BANK. THIS ACCOUNT IS INVALID AND FRAUDULENT. XXXX XXXX KEEPS HARRASSING ME ABOUT AN ACCOUNT I HAVE NO LIABILITY OFF.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had my identity stolen in XXXX of XXXX. Made an ftc report etc, I didnt know of the debt until it reported on my credit along with other companies with accounts I didnt open. 

I tried to reach out to the company in XX/XX/XXXX, including sending a letter letting them know it was fraud and to take it off my credit. However I got no response and today is XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has failed to provide me with an investigation result for over 60 days. However, I requested you to send me the result by mail to the address on my profile.
Product: Money transfer, virtual currency, or money service

Hello, I firstly meet the girl on a dating app and we had agree to talk on XXXX, then she being so careful for me and we started to talk about personal life where I started to trust her. After a while she invited me to join XXXX XXXX in coinbase wallet, supposedly to make a generous return. I agree. Now after I had deposited over XXXX I start to questions my self and was about to wither the money but I couldn't. I asked her how to get my money back but I was told to put more liquidity in the pool so I can withdraw my money. Now I'm very desperate called Coinable Suport but they just redirected me to Dating app Suport. Can you please help me? I can provide more info and screen shots with conversation. Please, please help refund my money its all I had
Product: Credit reporting or other personal consumer reports

I recently paid off my autolone through XXXX XXXX XXXX. After paying off my loan, my credit score dropped by XXXX XXXX points from XXXX to XXXX Taking my credit from very good To good. This absolutely makes no sense that your credit score would drop once you pay off alone. Credit scores should go up. It should show you have less debt. The company is unable to explain to me why my credit score dropped by XXXX points. When there is nothing else new on my credit report. I'm currently in the process of trying to buy a house and this drop will severely impact my abilities to purchase a house And provide me a lousy interest rate. This company needa to explain how my credit score dropped by XXXX XXXX points by paying off my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been diligently contacting Equifax in order to remove a Consumer statement from my report Since August 30th for a month now. I have spoken to 3 different managers and 5 customer service representatives and they all say they have removed it and will be removed in 72 Hours and give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately. Last 4 digits of my Social security # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have re-inserted a Bankruptcy on my account when it was already deleted. It does not belong to me and it was fraudulently re-inserted back onto my credit report. This is illegal and against the law. XXXX  has already verified this account does not belong to me and has removed it. 

Bankruptcy Chapter XXXX-Discharged. Filed XX/XX/XXXX # XXXX  Court : US Bank Ct. XXXX , Il.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On my auto loan with Mercedes-Benz Financial Services, there is an incorrect mark on my credit report that shows I was 30 days late on a payment. This is not true. I had spoken with an MBFS associate on the phone to set my account to back to auto pay, since I had disabled it. This associate said they would do so for me. A month later, when I noticed their mistake that it had not been done, I promptly made payment - as my record clearly shows ( I have 5.5 years and 3 different accounts with them with perfect records ). I called back in a 2nd attempt to remedy the problem and get my auto pay set up, and ONLY THEN was when a different associate told me that the auto pay needed to be completed on a written form. My record with MBFS is outstanding and I hope you can help me resolve this simple misunderstanding. I was taking means necessary to rectify the situation as it was happening, but was misguided by the first employee I had spoken to. I have tried to dispute this with the company, as well as dispute it through XXXX  but have this issue has not yet been resolved. 

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

I received communication from XXXX XXXX, XXXX and XXXX XXXX notifying me of recent unauthorized credit inquiries. These inquiries occurred mostly from XXXX XXXX from multiple agencies. I am concerned as I feel an unscrupulous automobile dealer has done this. Please remove these inquiries. Companies noted with unauthorized inquiries include : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Additionally, I did not authorize the following credit inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are incorrectly reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and W-2 for identification purposes to proceed with the investigation of my complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

I had my purse stolen in early XXXX. The person that stole my personal items went to the local branch and deposited a check that was written out to my new married name. Not the name on my actual account with wells Fargo. I hadn't changed it yet. They allowed this individual to deposit several large checks with immediate cash back to an account with names that do not even match. With an ID that doesn't even match my account. This goes to show how much attention they pay to transactions and if they paid any bit of attention, this criminal never would have walked away with thousands of dollars. The XXXX at the local bank wouldn't even meet with me. A teller have me a number to call and that person just offered an apology with no information on what they are going to do about allowing an employee to mess with my account with someone that didn't even have the same name. Could have been completely avoided if they paid attention to names. I will be taking my business elsewhere.
Product: Credit card

I opened my HSBC credit card in XX/XX/2024, and by early XXXX, my card was frozen, with the available credit reduced to XXXX. It has remained frozen since then, and despite my attempts to contact HSBC multiple times, there have been no updates. I am paying a high annual fee for this card, yet I have not been allowed to use it. This is an absolutely ridiculous experience. I request that the restriction on my card be lifted immediately or, alternatively, that the card be closed and a partial refund of the annual fee issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND EQUIFAX AND XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT XXXX ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT XXXX DELTED IT BACK AND XX/XX/2022 N NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE XXXX AND CANT MOVE ON WITH MY LIFE
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I had 13 accounts on my credit report that didnt have any company information. I reached out to XXXX and asked them about it, could they remove it. The second thing is I have court documentation I have opened disputes in XX/XX/XXXX for XXXX XXXX XXXX. and XXXX XXXX XXXX concerning I also submitted the court documentation that the judge has dismissed both cases, and the XXXX representative said they would not take the documentation. Every time I call I get somebody in XXXX and I dont feel comfortable talking to someone in XXXX, so when I asked to speak to someone in the States, they get offended sometimes. The reason I asked is because of the XXXX breach, I have been constantly getting scam calls that I have a virus on my computer, or I got approved for a loan and theres no virus on my computer because I work for XXXX and my computer is monitored. Because of this breach, it has greatly caused anxiety and I have to spend money for ID protection software, credit monitoring software, I just today XX/XX/XXXX paid for the XXXX XXXX XXXX subscription to monitor my credit because of the breach. Im trying to repair my credit so I can purchase a house for my family. Also i sent over court records of accounts that was dismissed by a judge. XXXX and Transunion did not take the court document. Even in the last complaint the only thing they did was open a dispute a
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XXXX about incorrect late payment reporting on my account for XXXX XXXX. They did not do an thorough investigation, as they responded within 6 hours just showing my payments online. They are disputing I was 60 days late on XXXX XXXX, On time payment for XXXX XXXX, 60 Days late for XXXX XXXX, 90 days late for XX/XX/XXXX and 120 days late for XX/XX/XXXX This is invalid data. On my XXXX report I am showing XXXX late payment for XXXX XXXX at 30 days late. This is the only correct late payment. I have reached out to their support team via email several times to rectify this and they have not responded. The email I am sending it to is XXXX XXXX
Product: Mortgage

I am trying to get a short term forbearance due to a divorce. 
I am divorced. My divorce decree required I pay this mortgage for 4 years. The 4 years is up and the exwife must now sell the house. I have plenty of money to pay additional monthly payments, but I will not. Continued payments will be a waste of money. I only want to preserve my credit while the house is being sold. According to the PNC website : https : //www.pnc.comXXXX " To initiate a short-term hardship assistance option ( generally means the hardship will be resolved within 6 months ), the request must be made by calling XXXX. There is no documentation or form required to initiate this payment assistance option, but you must call us to request and determine eligibility. '' After I started the process, they are requiring tons of bank statements, paystubs, tax info, asset info. None of these are required for this short term forbearance. I have tried calling them twice, I am left on hold for nearly 2 hours and then hung up on. Voicemails to my single point of contact are not returned.
Product: Checking or savings account

I am reporting this as the bank is violatioing REG E, specifically pertaining to the provisional credit. 

I filed a dispute on XXXX, for a return of merchandise that was not credited to my account. They took my dispute and issued a provisional credit of {$280.00} on XXXX. I received no notice and on XXXX the credit was debited from my account. I called on XXXX and it was advised I received a refund from the merchant and my case was closed. I did receive credit from the merchant, but it was more than the amount I disputed and not in relation to the disputed transaction. Furthermore, the letter they sent advised the provisional credit that was issued was going to be made final. I let them know this and they said it would be reviewed and I would be called. This is a violation of REG E, as no prior notice was given that the credit was being debited. 

I then continued to call for the next 3 weeks and was told repeatedly it was Huntington Banks 's error and I would see the credit. On XXXX I saw a credit for the disputed amount, however, the next day it was reversed. I called again and was told that credit was issued, however, it was reversed because I did not send in any copies of receipts. I was never asked to send any information in or directed to by mail. 

I was now advised they will look into this, but no credit will be issued until they are done reviewing over the next 45 days. 

Please investigate the REG violation.
Product: Credit card or prepaid card

capital one closed my account with no phone call, no letter, and no email notoce. I go to nakr my onlinr payments and it says restricted. I call in and its dtates closed. The rep said due to an NSF history on 1 card they closed all 3 accounts. I have hard these cards for years and was not aware of this policy. And they didnt attempt to call to advise me. I got no warning in the mail. I didnt even know they were closed until I call on XX/XX/XXXX, The day before XXXX. I dont tbink its right that tgey dont give you a warning or notice that this could occur. Thid has messed up my credit attempting to get a house and I was getting a bonus check to pay all 3 cards off XX/XX/XXXX. We were just advised that on XXXX Friday. I believe these practices are unfair as you get a notice about everything else, but this. This is something crucial and affects peoples credit and life. Now my credit is ruin.
Product: Debt collection

XXXX XXXX has 2 accounts for cards that had {$500.00} limits, and have now inflated to over {$1000.00} each. I get at least 3-4 very aggressive calls everyday, some weekends as well. I'm met with hostility ; in the last call taken XX/XX/year>, I was yelled at, told I was being sued and they have the case number to move on if I don't pay. I've advised I tried to work with the creditors as I'm now unemployed and dispute the additional {$500.00} in fees on each card. I was ignored and passed to another agent that said the same thing.
Product: Checking or savings account

I am try to pay with using checks with merchant and always get denied my checks, XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit XXXX XXXX XXXX Account XXXX Please remove it from my credit report 5. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report 6. XXXX XXXX Account Number : XXXX Please remove it from my credit report 7. XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report XXXX. XXXX  Date of XXXX : XX/XX/XXXX Please remove it from my credit report XXXXXXXX XXXX Date of XXXX : XX/XX/XXXX Please remove it from my credit report XXXXXXXX XXXX Date of XXXX : XX/XX/XXXX Please remove it from my credit report XXXX. XXXXXXXX XXXX Date of XXXX : XX/XX/XXXX Please remove it from my credit report XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report XXXXXXXX XXXX  Date of XXXX : XX/XX/XXXX Please remove it from my credit report XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX FCU Date of Inquiry : XX/XX/XXXX Please remove it from my credit report Please remove it from my credit report 15 U.S.C 1681 Section 602 A. States any consumer has 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 prior consumer 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 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

I have tried on numerous occasions to have my credit report updated with Equifax, my report has not been updated since 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ex husband married woman with same name as me, spelled differently ( XXXX  ) and different middle initial ( XXXX  ). Collection agencies are sending her notices to my new address, having changed the spelling of her first name to mine. They are also calling me, even though my phone is not listed nor has it ever been under my name. I dont understand how they got it. I am remarried with a new last name. I do not want her debts to be attached to my name, or worse, to my new husband. My old and new last names are connected to her on many people search sites as well. This is very frightening ; it causes me much stress. 
Also, I have not been able to reach an actual live person at any credit reporting agency to get answers to my situation. 

Any help would be greatly, greatly appreciated Thank you XXXX XXXX XXXX Her present info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX dob XX/XX/1956 XXXX