23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 XXXXXXXX # XXXX, XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Consumer Loan

I am being contacted by a collection agency in reference to a vehicle that was obtain thru identify theft. I called and wrote to BMW finance explaining the situation but I have not receive and Identity theft report to fill out and send back.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1800.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$1300.00} Open Date XXXX XXXX, XXXX U S DEPT OF ED/XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to lodge a complaint against TD Credit Card Services. 

I am in the process of obtaining a new mortgage on my home that will save {$1000.00} a month. The Mortgage Lender asked for a letter from TD Bank stating what the balance owed was on the account. On XX/XX/XXXX I paid {$2000.00} and asked for letter to be sent. I went to my local TD Bank and was told that this very simple request could not be completed by them at the bank and I had to call TD Credit Card Services number on my card because they were a different company. 

I called CC Services again and asked for the letter again explained why I needed it. I spoke to 3 levels of supervisors when they each said they couldn't help. The last one was named XXXX and she said the letter was actually sent on XX/XX/XXXX and it would take 10 business days. The 10 business days was up on the XXXX I called again and they said thy couldn't help. I still have no letter. 
The delay has already cost me {$1000.00} I feel this is a totally unreasonable action on the part of CCServices XXXX XXXX  ) part. It may cost me another {$1000.00} very soon.
Product: Money transfer, virtual currency, or money service

XXXX. XXXX money to a fraudulent account {$57000.00}. I am a XXXX that XXXX XXXX XXXX  was charging this amount to install gas line. I was expecting their wiring instructions Hacker intercepted email and sent fraudulent wiring instructions. Money was sent from XXXX XXXX  XXXX Truist Bank. Truist account holder used XXXX XXXX XXXX for account name. I found out out I was scammed XXXX weeks later and contacted Truist through retail bank. I have also called them. XXXX report has been filed as well as local police department complaint. I have not received any help from any law enforcement. Hoping Truist Bank would be concerned they are being used to host a hacker that is stealing money. Truist will not divulge any account holder information, which I understand. I feel their mistake was accepting the money wire without the correct information, Account name, address. 
Thank you, XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account with Capital One bank. On XX/XX/2022, I placed a check in a public mailbox outside a US Post Office. The check was for {$360.00} to the XXXX XXXX XXXXXXXX XXXX to pay taxes. On XX/XX/2022, I saw on my bank statement that the check had been cashed for {$1400.00}. I looked at the image of the check and " IXXXX XXXX XXXX XXXX '' had been covered with white-out and the name " XXXX XXXX XXXX had been written over it. The amount of {$360.00} had also been covered with white-out and {$1400.00} had been written over it. I called Capital One that same day and reported the fraud and that my check had been stolen. The person I talked to on the phone agreed that this was an obvious case of fraud and said they would investigate the fraud and refund the stolen money. I also reported the mail theft and check fraud to the police. 

Now three months have passed, and I have not gotten a refund of the stolen money. Every time I have called Capital One ( I have called customer service several times in the past three months ), they have said the investigation is still ongoing and there is no way to estimate how long the investigation will take. I can not understand how the " investigation '' is taking so long when the fraud was so obvious ( the white-out over both the name and the amount is visible on the check ). Capital One has also claimed they have no duty to screen checks for authenticity before withdrawing the money when someone makes a mobile deposit of the check. It seems completely irresponsible to not review the check before letting the money out of a customer 's account, when mail theft and check fraud are apparently so easy to commit.
Product: Payday loan, title loan, or personal loan

I took out a loan from Mobiloans in the amount of {$1800.00}. I have been making payments on the loans and have already paid in excess of {$4300.00} for the loan. When I tried to settle the account, I was told that the amount that would have to be paid was {$2500.00}. I thought this type of fees and interest rate were illegal. My husband is no longer able to work, and I am no longer able to make payments. I have attempted via phone and email to settle the account. I told the company that I could settle the account for the amount of {$250.00} but I never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received an email alert from XXXX saying : XXXX/XXXX   obtained a copy of your XXXX Credit Report. 

It showed as a Retail Inquiry, but I did not recognize the company and had not authorized anyone to obtain my credit report. I asked a friend, who had been using my computer, and she said she was on XXXX XXXX website, and mightve accidentally submitted my info. I do not know how this is possible, other than my browser automatically filling in my name, address, etc. She said she could have not been paying attention. However, I do not believe that my social security number is saved on my computer, or is known by my friend ( other than last 4 digits ), so I do not know how she couldve authorized a credit application! I have been settling my debts, and am just starting to rebuild my credit including getting a secured credit card of my own and there is no way whatsoever that I would apply or authorize an inquiry for a store credit card right now especially, as a man, for XXXX XXXX! Please help me in removing this inquiry from my credit reports, as I am freaking out that it will hurt the progress Ive finally started to make. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were added to my credit report without my authorization. 
Accounts : 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 card or prepaid card

I recently added XXXX dollars on a chime card at XXXX to pay my Internet bill because I go to online college and I need the Internet to do so and I get home to pay the bill and it was declined i then called chime and they informed me that my account was suspended I was then asked to send copies of my ID and a bill with my address on it so I did that numerous times Because every time I sent the documents they would send me an email saying to send them again. I have spoke to chime repeatedly but they just gave me the run around saying that they would have someone contact me I got i spoke to a supervisor and he told me that they would have this taken care of as soon as I sent the documents so I did that and it's 4 days later and they still have not returned my money and now my internet is going to be shut off and I won't be able to attend class
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion and blocking of the following accounts from my credit report, as I have been a victim of a data breach. The fraudulent accounts listed below have been compromised, and pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that they be removed from my credit file. 
The following accounts have been affected : XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$570.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1900.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$2500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$570.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1100.00}
Product: Credit card or prepaid card

Avant credit card company charged late fee of {$25.00}. Because they could not pull out monthly payment from my bank account. I did try with them to waiver this late fee. But they denied twice.
Product: Checking or savings account

On XX/XX/XXXX my checking account was suspended from withdrawals with money in it. It said to cal them to solve it. Ive called about 15 times and they never answer. They say to leave a voicemail and they will get back to me within 48 business hours still nothing. The email they sent me said theyll mail a check within 7-10 business days been way longer than that and no check.
Product: Mortgage

Called Carrington Mortgage to apply {$19000.00} to my principal which according to the customer service rep was the max daily amount. I was very clear about principal only wit the rep and his manager. I was told that {$9900.00} was the max daily on their app but they were able to process {$19000.00} with a customer service rep. 

This was spread over XXXX payments including principal, interest, and escrow. Not the intended purpose whatsoever. 

Today is day XXXX with no resolution. They have set several target dates to have this resolved and those dates have passed, and it has not been resolved to date. Another payment has been processed ( standard monthly auto withdraw ), so I can only assume this was processed against the current principal balance which is wrong, causing even more confusion. 

I've contacted customer service 9 times since XX/XX/2022 and get the same result every time. It's in process..
Product: Debt collection

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report and found that this account is inaccurately and erroneously reporting in XXXX Credit Bureaus. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Also, I tried contacting the XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the collection was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMG MONEY REPORTING WRONG BALANCE ON MY CREDIT REPORT, BALNACE IS NOT XXXX TRIED NUMEROUS TIMES TO GET THIS MATTER RESOLVE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2021 ; XXXX  XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$15000.00} ; XXXX XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX PL XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card or prepaid card

An item I purchased using my American Express credit card was returned which created a credit on my account. Since I had a XXXX  balance, I contacted American Express and requested that this credit be refunded to me. They refunded the credit of {$290.00} by directly depositing it into my Checking/Savings account. A couple days later while reviewing my account, I noticed that I now had a {$290.00} balance and the transaction was coded as a " DB ADJ CREDIT BAL REFUND ''. I immediately contacted American Express to inquire about this charge that had posted to my account. They told me that this error would be corrected in 24-48 hours. The following day, I received a check # XXXX dated XX/XX/2018. I contacted American Express and asked them if I should destroy, or return the check. I was advised to destroy the check as they had already started a stop payment. After the 48 hours expired, I still noticed that my account still reflected a balance so I contacted American Express once again. I was then told that they would have to do an investigation and that would take 6-8 weeks. I explained that this time-frame is unacceptable because it would appear that I was using available credit which in fact I was not and my balance with them should be XXXX. Additionally, I explained that this was their error and why should my credit history be subject to this AMEX error. In addition, I did n't want a finance charge or any fees resulting from their error as my balance should be XXXX. I asked them why my account did not reflect the credit reversal within the time frame that I was told. AMEX keeps giving me different timeframes of when this will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 inquiries made on my report from loans and credit card applications that I did not make. Someone had stolen my identity and I didnt realize it until I received a XXXX  XXXX card that I did not apply for I then called and canceled the card and started to see notes about loans being applied for and made a XXXX report to see what all was created. I noticed they was all made on XXXX and the accounts are as follows Lendmark Financial, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX card XXXX and XXXX XXXX. I would like these marks removed from my account and the amounts closed please.
Product: Credit reporting

XXXX account # XXXX I paid for 1 month of service when they came to do the install. I received poor service and cancelled it within that first month. I had no contract for extended services and we returned the equipment in good working order. They have attempted to bill me for an additional month for which no services were provided. This needs to be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my identity was used to open multiple accounts fraudulently without my consent. Despite taking immediate action by notifying the credit bureaus and providing them with a copy of my FTC Identity Theft Report, these fraudulent accounts and the associated debts continue to appear on my credit report. 
These unauthorized accounts are negatively affecting my credit score and causing significant stress and financial harm. The credit reporting agencies have failed to remove these fraudulent accounts, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit bureaus are required to conduct a thorough investigation and promptly remove any inaccurate or fraudulent information from consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : DPT EDXXXX XXXXXXXX XXXX DPT EDXXXX XXXX XXXX DPT ED/XXXX XXXXXXXX, DPT EDXXXX XXXX XXXX DPT ED/XXXX XXXXXXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # -- XXXX, XXXX Account # -- XXXX, XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # -- XXXX, XXXX Account # -- XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint on XX/XX/XXXX to remove inaccurate 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 's XXXX, XXXX, XXXX. I am including it again. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$9300.00} XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose