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

In XX/XX/2018 I was in a car accident and the vehicle was pronounced total loss. I had GAP insurance which paid off the remaining balance owed but could not pay off 2 deferred payments or 3 my monthly payment was {$290.00} which should of equal to {$600.00} or {$900.00}. My accident was a no fault and I was driving with my family including my XXXX son which he was XXXX old at that time. So long story short I looked at my credit report and noticed that the amount changed significantly to over XXXX. I was financially destroyed and overwhelmed that I had to get a vehicle so that I was able to continue to work so that I can keep providing food and shelter for my son! I reached out to company work out a settlement but it didnt take out as they demanded the full debt. Im questioning why the balance is so high??
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX and TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

Unauthorized Inquiries still reporting in XXXX : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 


Unauthorized Inquiries still reporting in TransUnion : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have attempted multiple times to submit Freeze on XXXX  website, following their online instructions. When I attempt to submit I get a message telling me that I can not submit a Freeze at this time. 

I have attempted to call XXXX  and can only get to a voice message that instructs on how to get a Credit report & how much it will cost.
Product: Credit reporting or other personal consumer reports

Trans Union failed to provide an opt-out notice, as is required by all financial institutions, in which I, the consumer, have the option to opt-out of having my information shared with unaffiliated third-parties. Thus, any unlawful use of my nonpublic personal information without full disclosure and consent constitutes identity theft. 

On XX/XX/23, Trans Union received my Notice of Identity Theft, affidavit, and other required personal identification information per 15 USC 1681c-2, requesting that Trans Union remove one ( 1 ) unauthorized adverse transaction from my consumer credit report. Neither Trans Union nor the company identified in the transaction have provided me with an opt-out notice allowing me to exercise my right to privacy. Trans Union failed to comply with the statute and with my requests by failing to block the reporting of unauthorized information identified by me, the consumer, no later than 4 business days after receipt of notice. 

Trans Union continues to unlawfully use my personal and financial information which included the sharing of information to unaffiliated third-parties that adversely affected my creditworthiness ( i.e. denial for credit of {$90000.00} and {$85000.00} from two separate financial institutions ) and resulted in defamation of my character and general reputation.

Despite three ( 3 ) written notices sent via certified mail, Trans Union continues to report damaging unauthorized personal and financial information on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion report claims I have a chargeoff from XXXX. I have never had an account with XXXX. I dont know where this chargeoff came from or what it is for. This has negatively affected my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint on XXXX, Equifax & XXXX  due to failure to report accurate information on my credit file. I have contacted the company my phone, via mail and onlin disputes.

The company has violated my rights accoridng to the FCRA section 601. Several accounts listed on my report have factual discrepancys. The FCRA states that a charge off account cant reflect any current activity such as a balance. The account must state the last date of payment/ activity. When this account was charged off. The account cant report each month as a C/O on the credit reporting. This is a direct violation. There should be a balance of {$0.00}.

Also each bureau should reflect the same information accurately. 

The following accounts are in violation and need to be deleted XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Bank account or service

In XXXX 2016, I signed up for a Citibank Citigold checking account using promotional code XXXX for XXXX Citi Thank You points upon completion of several qualifying transactions. The day after signing up for the account, I confirmed via Citi 's online customer service chat that I was eligible for the promotion and that the promotion was attached to the account. Citi confirmed eligibility and I proceeded with the required transactions. Upon completing the qualifying transactions, I confirmed with Citi via secure message that I had successfully completed all required transactions for the promotion. I was told that I did indeed complete all the required transactions and that XXXX Thank You points would be deposited into my account by XXXX/XXXX/2016. No points were deposited, so I asked Citi if there was an issue and Citi then said that I was never eligible for the promotion even after I had confirmed twice that I was eligible and completed the requirements of the promotion.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XX/XX/XXXX -- {$200.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$170.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$680.00} XXXX  # XXXX XX/XX/XXXX -- {$3500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$310.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I found 13 unauthorized ATM transactions on my Netspend online account review. Please note that every transaction listed happened while I was at work with the only card on the account in my wallet. I will list them all so you have history. I will not agree with their findings and filed a police report and was assigned a detective. 

Posted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX $ XXXX Bal Inq Credited $ XXXX w/d Credited XXXX XXXX $ XXXX atm fee Credited Posted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX $ XXXX Bal Inq Credited $ XXXX w/d $ XXXX atm fee $ XXXX Bal Inq Credited $ XXXX w/d $ XXXX atm fee $ XXXX w/d $ XXXX atm fee $ XXXX w/d XXXXXXXX XXXX $ XXXX atm fee The total not credited is {$910.00}. I filed a dispute with Netspend and they have determined that they find no errors with the activity based on the PIN used and previous transaction history. I have a detective trying to obtain a search warrant for atm video but XXXX XXXX is requesting the card number used to obtain the search warrant and Netspend will not release the card number issued to me stating that I need to have legal counsel contact their legal department for that. After over a month of contesting their findings and pleading my case they have closed the dispute and I am still out {$910.00} that was fraudulently taken from my account. 

Please contact me with any futher information you may need. 

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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ROZLIN FINANCIAL GROUP L HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY, 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CANNNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted all three major bureaus regarding XXXX XXXX which is incorrect. Two of the three major bureaus removed incorrect tax lien information ( XXXX XXXX and XXXX ). But Equifax has refused via their investigative process, remove XXXX XXXX in the amount of {$11000.00} which has been paid. I do not owe {$11000.00}. Amounts were paid by way of taxes owed to me. Balance is less than {$100.00} at this time.
Product: Debt collection

I XXXX XXXX never enter any consumer credit transaction with Consumer ADJ for them to have my personal information. Pursuant 15 usc 1692 this is infringement upon my consumer right to privacy. By Consumer ADJ obtain my personal information without my consent Consumer ADJ have committed Fraud and Identity Thief. Furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can't do business with other business and banks.
Product: Credit card

What happened originally was that it was their misrepresentation stating no interest would be charged on an item purchased from Home Depot XXXX until relevant amount was paid off. But that representation was false. 
I offered them {$200.00} to settle the account but they refused to take it. And now the original amount, with all the interests added, is {$710.00}, when it was originally {$300.00}. They have to stop adding interests and accept a reasonable resolution of the matter, as what I have been trying to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom  it may co ncern, After carefully reviewing my equifax credit report i notice   XXXX   have  XXXX  accounts with the same balance amount of {$9900.00}, same dates and late payments which mean  XXXX  is reporting the same account 2 times on my equifax credit report. I am requesting my credit report is updated with the correct information or send me my loan documents showing i owe navient {$9900.00} for  XXXX  accounts.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am writing in regards on my ongoing efforts to correct the late open accounts on my record. Despite our previous attempts, I regret to inform you that these issues still persist. As we enter this attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of late open accounts not only affects my credit score but also raises concerns about the accuracy and integrity of my credit information. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. The following accounts should be corrected as soon as possible : XXXX XXXX Balance : {$430.00} ; XXXX XXXX  XXXX Balance : {$680.00} ; XXXX  XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$560.00} XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$210.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted a complaint. Complaint # XXXX about WELLS FARGO CARD SERVICES. Wells Fargo had charged my mother, an XXXX year old woman with XXXX XXXX XXXX   for services like Life Insurance that would pay off her credit card balance when she passed away ; two accidental death insurances, and a Preferred membership program for discounts to concerts and such [ REALLY! What is an XXXX  year old going to do with this? ]. Wells Fargo then raised my mother 's interest rate to 18.35 % and continued to charge her from XX/XX/XXXX to XX/XX/XXXX, all the while the balance went from around {$2800.00} to over {$8000.00}. Then they cancelled the Life Insurance that would pay off the credit card when she passed away. I sent Wells Fargo my Power of Attorney and made many phone calls. Wells Fargo stated they did not have the Power of Attorney and would not speak to me. I went to lawyers who stated there was nothing I could do. I went to the Office of the Controller of Currency ( OCC ) who told me to contact the CFPB. Finally, I found someone who helped me. I filed a formal complaint and Wells Fargo responded. They sent a letter stating they have had my Power of Attorney since XX/XX/XXXX. They also removed most of the Life Insurance charges and the preferred membership charges. The bill was brought down to {$1100.00}.

My current complaint is # 1Wells Fargo was asked to remove those services but are continuing to bill for them. My sister made a payment of {$200.00} on the balance of {$1100.00} and the balance is now {$1100.00}. When I called Wells Fargo to find out about the charges and why only {$10.00} was put toward the bill ( where did the other {$190.00} go? ) the Wells Fargo phone rep stated that was interest and there were charges put on but then they were taken off. But why then is the balance {$1100.00}?

# 2 When Wells Fargo removed the charges for services over ten years, they kept the interest they charged for those bogus services for all ten years. WHY? Shouldn't the interest have been refunded as well?

I am grateful for what you have done for me at CFPB. Can you please investigate Wells Fargo and ask them to return my mother 's interest?
Product: Money transfer, virtual currency, or money service

I have money on my cash app and it wont let me deposit it or send it.
Product: Debt collection

I have been contacted by Portfolio Recovery Associates in regard to an alleged debt to XXXX XXXX of {$610.00}. I am a XXXX year old man, never been to XXXX XXXX, never had an account there and have been divorced for over 10 years. I am also on XXXX. They have sent paperwork, requesting numerous forms of private information and identification. I am not willing to provide them with this information. This is not my debt. I believe this be a fraudulent misrepresentation in order to obtain personal and private information and to extract money under false pretenses. Their phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Payday loan, title loan, or personal loan

The problem is I financed furniture a year ago. I had 1 year no interest. I paid off my furniture on XX/XX/2019 so why do I still have a balance on my account. Yesterday someone called offering me money I told them my account is closed they said no XXXX the manager need to close it out. Called back today spoke to receptionist she says XXXX says haven't closed out my account and don't know when it will be closed out. This is unacceptable. I will never deal with this company again. Don't want my credit ruined behind a open account that should be closed.
Product: Checking or savings account

Hello, my name is XXXX and I was scammed majorly. I was first asked to contact Consumer Financial Protection Bureau ( CFPB ) which I did yesterday XX/XX/2020 and your department told me to contact the State of CT Department of Banking which I did XX/XX/2020, now they are telling me to contact you again. I need someones help to resolve this matter I was offered an opportunity to advertise for XXXX XXXX and was provided a check, which I deposited into my account. Unfortunately, my bank ( Bank of America ) let the check clear right away and I withdrew money. The check ended up being counterfeit and I am now {$2100.00} in debt due to this fraud. I have an open case with the fraud department with the bank and with local police department. I have called my bank numerous times to stop all transactions from withdrawals to deposits. The bank put a freeze on my account, but they are still allowing deposits to go in without my permission. After telling the bank over and over that this account has been defrauded, they are still allowing monies to go into the account. I cant understand how a bank can allow any activity with a defrauded account. I have tried to stop this, but they continue to let money in the account. I have lost my paycheck for the week and I am so trying to save my stimulus check. Unfortunately, no one is available to assist me with changing my account with the IRS due to their overload and my bank will keep the stimulus check which I need terribly at this time. I don't know who else to reach out to, to help me resolve this. I work in health care and my hours are lowered due to COVID 19. I am desperate to stop the bank from taking my check because I need it to survive  at this time.
Product: Debt collection

On XX/XX/XXXX I sent out my approved XXXX to XXXX  XXXX for {$990.00} It was recieved by them on XX/XX/XXXX around XXXX am XXXX certified mail. My account was closed due to sending in a payment coupon, they didnt want to accept. I havent heard back from them regarding the XXXX they are continuing to leave the account closed on my end but open on theres incurring interest.
Product: Debt collection

On XX/XX/XXXX my mother and I decided we would merge our cell phone accounts together. We called in and did this. We got everything changed and working and I asked the guy any outstanding bills for the number ending in XXXX after this he advised no. A little while goes by and I receive a bill in the mail for {$140.00}. I call XXXX and spoke to a representative and advised we were told no balance for me and she stated that she didn't see any notes on my account but because of the inconvenience she would cut the bill in half and I would then owe {$73.00} and to give it 24 to 48 hrs to show on the account and call back. So I called back 4 days later really upset cause not only did I receive another bill in the mail but this time it was 219.75 so instead of taking the {$73.00} off they added it sent it to collections and reported this information to all 3 credit bureaus. After repeated calls to XXXX I decided I was getting no where so I went and called the Collection agency and paid a settlement in the amount of {$160.00} to get rid of this and be done with it since nobody will help me and take responsibility so called the collection company to ask why this was still an open balance on my credit report XX/XX/XXXX and spoke to XXXX and she stated they didn't receive my payment but sent me a payment receipt XXXX bal. I paid more then what I was supposed to and now this. I am trying to purchase a house and this being reported to all 3 credit bureaus after stating it would not be is very upsetting. Even after all this I still have been trying to call XXXX and the collection companies all to get nowhere and completely disrespected and no help to resolve what so ever. I have never been talked to or treated in such a manor it was ridiculous. Nobody wanted to hear or acknowledge anything I tried to say. Like I was just lying trying to get out of a bill I was very offended. I still have XXXX for my cell phone and XXXX for cable and internet and I am seriously considering breaking my contract and moving elsewhere very disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX Balance Owed : {$3200.00}
Product: Payday loan, title loan, or personal loan

I applied for a {$200.00} loan from Avant and they turn me down, but they still have my banking information. I called them various times asking about my personal information.