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

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft.  The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value.  Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit card or prepaid card

XXXX XXXX of AMAZON CS heard my Complaint that it's partner, SYNCRONY BANK, is source of problem. It reported on XXXX that my account was refunded. It closed my access down in XXXX ( acct ending XXXX issued to " XXXX XXXX '' ), and {$110.00} came back into it from AMAZON since that time. If I chat or call Syncrony, it arbitrarily transfers me into FRAUD DEPT in spite of repeat requests for CS. XXXX XXXX in SYN on chat said it was mailed without tracking, so wait. But SYN has delayed my refund for months. It skirts this issue by inventing FRAUD concerns of its own making, meaning it repeatedly disconnects or sends calls unannounced into its FRAUD, where FRAUD says it can not issue refund nor close account. To date, I have asked SYN to close my account several times since XXXX, disconnects. Ms XXXX knows I am seeking review of its false refund narrative for AMAZON to review as it originated the missing refund credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notice to Trans Union on XX/XX/XXXX which they received on XX/XX/XXXX ( USPS Tracking # XXXX XXXX XXXX XXXX XXXX ). In the notice I requested that specific info in my file be verified & deleted. I also requested a notice ( according to FCRA 611 6 ( B ) iii that provides me with " A description of the procedure used to determine the accuracy and completeness of the information '' including the business name and address of any furnisher of information contacted in connection with such information. However what I received ( which was dated XX/XX/XXXX but not actually received until XX/XX/XXXX ) was a bunch of papers placed in an envelope numbered but unorganized ( pages out of order ) duplicate copies of letters & memos. It took me 2 days to organize it to the best of my ability. However none of what I requested was amongst all of the pages. It said : " Information Updated '' on 1 account on another it said " disputed information updated and other information updated '' ( however the last 'date ' it was updated according to the report that was thrown in the envelope was 3yrs ago ) also there was a message that said. " verified as accurate and updated ''.
Product: Debt collection

I have disputed this through the credit bureaus but it still remains. I question if this is an accurate and verifiable debt and if it indeed belongs to me. I have never heard of Portfolio or XXXX. I believe this is an error
Product: Credit reporting or other personal consumer reports

Experian notes two latest on credit report but only one furnished to me. This indicates identity theft during the commission of a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it has been more than 30 days, and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report from Transunion XXXX XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX. { XXXX XXXX XXXX XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b 2. { XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b 3. { XXXX XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b 4. { XXXX XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b 5. { XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b
Product: Credit card or prepaid card

My account was closed without notice on XX/XX/2019 without notice by bank, They claimed i made a dispute that was misrepresented. I had not, they would not hear my story or discuss what happened and all communication had to be done by snail mail, which they did not respond to. 

I have resigned to the closing of my account and started using different credit cards, but to add insult to injury they are now stating that the cashback i have earned on the account is being forfeited and I will not get the {$950.00} that i have earned to date. I must have spent over XXXX with them to get that amount back in cashback rewards. I could have used any other of my credit cards to get points/miles instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this back in XXXX and haven't heard back from XXXX until yesterday, I also disputed with Experian. XXXX continues to mail XXXX XXXX XXXX, And my name is XXXX XXXX no middle initial. I was told to be exact on your name. And my name is XXXX XXXX15.US Code 1681 E ( b ). 15.US Code 1681 ( 5 ) ( a ) Accuracy. 15. US Code 1681i ( 5 ) ( B ), Reinsertion of deleted items.
Product: Debt collection

My phone # is registered on the DO NOT Call List since XX/XX/17. I get calls all day from different # 's each time & it's a robocall recording asking me to hold on the line for next available agent.
Product: Vehicle loan or lease

We leased a XXXX XXXX XXXX XXXX. The lease ended in XX/XX/XXXX. We bought the car for over {$20000.00}. We filled out the forms and the odometer statement. Hyundai Motor Finance said we will receive the title in 30 days. End of XXXX no title, XXXX no title. Called multiple times and they said they sent it and we will receive end of XXXX. Never came. In XXXX called again. They said they sent but we never received. They said they would send a letter for release of title federal express we could take to the DMV. We waited all of XXXX and nothing came. Called again beginning of XXXX. They said we will send a release of title XXXX  XXXX on the XXXX. NEVER CAME. We have now gone 5 months with no title. We need help. Hyundai should not be allowed to not fulfill their obligation to customers who buy a car from them. Since this has happened I have researched on the Internet- this is happening to thousands of customers. 

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

I am writing to formally file a complaint regarding a dispute with Experian, one of the credit reporting agencies, concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and to this date, they have not responded. The following are the details of the inaccurate information and the required corrections : Account Information : Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00}
Product: Money transfer, virtual currency, or money service

So on XX/XX/XXXX chase executive office called me and said they sent a cashier check of {$420000.00} to my address and i asked why they didnt call me earlier before they sent out the cashier check to give me the tracking number or to even verify my address given the amount on the check. I went further to inform them that I no longer live in the XXXX XXXX address since XXXX and i am unable to access the address. I also requested that there should be a stop payment placed on the check and that Im very worried of the check getting into the wrong hands.i was later assured that nothing would happen to the check and if anybody try to cash out the check, it wont go through but i should go into the branch first thing in the morning on XX/XX/XXXX due to the fact that i was called by chase on XX/XX/XXXX XXXX when the check already arrived at the address. So i was asked to go in the branch the next day to sign the lost/ stolen check declaration and other documents. I went in the bank and spoke to a branch manager and i filled all the paperwork and i was assured that nothing would go wrong and no one would be able to cash my cashier check and i should be receiving a new check to my new address on XXXX  XX/XX/XXXX. On XX/XX/XXXX i called the bank so request for the tracking number of the mail which is to be delivered to my address on XX/XX/XXXX and i was told that it was cashed out in XXXX XXXX in on XX/XX/XXXX. So i asked how that was possible given that I did everything chase asked me to do right on time and i was assured that my money is safe. And also the cashiers check was paid out to only me so how would someone go into XXXX XXXX and negotiate a cashier check in my name and citizens bank paid it out to the person. Chase further asked me to file a police report and also fill out the forged signature document and open a claim on the money. I did all that and i was asked to wait XXXX XXXX. My main aim is to be able to get my money back without any excuse because my money is meant to be insured by chase, and citizens bank were supposed to verify the check from chase before releasing it to whoever came in the branch with my check.
Product: Checking or savings account

First I have to say that I am confused as to who you are referring to when you ask if the " company '' was contacted?? Are you referring to the merchant or the Financial Institution? ( In this case, Chime Financial ) I have contacted Chime and that is the issue! 
On XX/XX/2023, I requested that a block be placed on my debit card for a particular merchant, XXXX. They acknowledged my request and stated that a block had been placed. 
However on XXXXthey allowed the merchant to take {$260.00} from my account! I contacted Chime immediately and requested that they stop or reverse the transaction since the block had been placed on it. At this point I wasn't very upset! it wasn't until they told me that they had to wait until the transaction " settled '' before they could do anything AND that they would need to conduct an investigation! INVESTIGATION???? WHY? YOU PLACED A BLOCK ON THE ACCOUNT!! It never should have been allowed to happen!!!! 
I am more than XXXX! Not only was the transaction not authorized, but it those funds were already earmarked for a different purpose and it cause me to overdraft! 
This is not the first time this bank has mishandled my funds. Even though the previous situation did not include a block, someone somehow got a hold of my account information and stole {$300.00}! They wouldn't do a XXXX thing about it!! And what also adds insult to injury, is they won't close the account and allow you to open another one! 
RIDICULOUS!! Plain and simple, they should not be trusted with anyone 's money! 
Their business practices are at the very least, shoddy! 
I know there are others out there who have had legitimate issues with them so I am going to try to get a class action suit started against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, XXXX is reporting inaccurate information on my credit report. They have reported that I was late making my student loan payments during the timeframe that I was in forbearance on XXXX occasions. XXXX lists my account as 90 days late in XXXX of XXXX and 120 days late in XX/XX/XXXX on my XXXX credit report. However, during that same time period, I was reported as " on time '' on my Equifax and XXXX credit report during that same timeframe. In XX/XX/XXXX, they also reported my credit report as 90 days late, which is also inaccurate. If I was 90 days late, in XX/XX/XXXX, why was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX marked as " paid on time '' on my credit reports?! Furthermore, the account number listed on my XXXX credit report is not correct ; my correct account number per the XXXX online portal is XXXX. The account numbers listed on my XXXX credit report begin with " XXXX '' and XXXX '', but was verified as " accurate '' when I disputed with the credit bureaus. These accounts do not belong to me and need to be COMPLETELY removed from my XXXX credit report. Per the XXXX, XXXX is required to report complete and accurate information on my credit reports. I previously disputed these accounts with the credit bureaus and reached out to the student loan Ombudsman, and this issue has still not been resolved. I am aware that there is a current lawsuit against XXXX filed by the CFPB and several attorney generals for unfair and unjust student loan servicing practices ; I am a victim of those corrupt practices, which has damaged my credit rating and caused severe emotional distress. 

I am attaching a copy of all three of my credit reports, a copy of the complete Department of Education Student Loan Data System report that proves that I was in forbearance as during the time that I was reported late, as well as my email that was previously sent to the Ombudsman requesting that these issues be corrected. I am hoping that the Consumer Financial Protection Bureau can help me resolve this matter.
Product: Credit reporting or other personal consumer reports

I have a collection account listed on my TransUnion credit report listed as XXXX XXXX Account # XXXX for the amount of {$2200.00}. 

An a collection account in my XXXX credit report listed as XXXX XXXX XXXX Account # XXXX for the amount of {$2200.00}. 

I am requesting validation of this debt from this collection company.
Product: Debt collection

I was out of work for over a month because I was in the hospital. I told them this and they told me I had to come up with the money. Then they asked me to borrow it from family members to pay on my account.
Product: Credit card

I applied for XXXX mths no interest credit card with Service Finance Company XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/year> and was denied credit. I received adverse action denial that is false, score listed as XXXX and turn down reasons of too many accts with balance, proportion of loan bal too high..false as have XXXX credit card XXXX less that 20 % use of available credit. When I called Service Finance co XXXX representatives said real reason for denial is incorrect ss #. But that is false as it hit my credit bureau, verified XXXX XXXX XXXX on XX/XX/year> file XXXX. This inquiry and denial reduced my credit score from XXXX to XXXX!!!! Think offer of no interest for XXXX is a scam, as sales person that called in my application said getting many turn downs that don't make sense.
Product: Vehicle loan or lease

I attempted to buy a car from XXXX XXXX in XXXX California. I was told I could not purchase the car with my own financing but that they could finance me at a higher rate and for a longer term than my bank could. Additionally they would not allow me to purchase the car if I did not purchase an extended warranty to the tune of {$2900.00}. I offered to pay cash and they said that they could not sell me the car unless I paid for the extended warranty that I did not want. 

There were 5 exact cars that already had a 30 % market adjustment applied to the sales price which I was willing to pay. 

They refused my business..
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES FCRA FTC VIOLATION 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 


Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I believe FCRA XXXX mandates the elimination of any erroneous accounts from my credit report. Could you review the documents? Some of the accounts listed contain inaccuracies in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I received an email from XXXX today that a collection company by the name of " Credence '' placed a collection on my credit report with Experian Indicating that I owe {$3500.00} to XXXX XXXX  XXXX. I told them that I never had an account with at & t. I need to file this claim as this is the XXXX time that this is happening and I do not think that it is fair for them to place collections on my credit with out verifying first. They never called me nor they never sent me a letter to inform me. Now this is affecting my credit score and I need it to be removed ASAP.
Product: Vehicle loan or lease

XX/XX/year> To whom it my concerns, Im writing this letter to dispute the late payments and inaccuracy information by Ally Financial. 
This is not the first time Ally Financial is intentionally reporting inaccurate information to the credit bureau knowing they are. 
Ally financial has reported my account late from XXXX to XX/XX/year>, but what they did not disclose is that they created the situation by blocking my access to the account for me to be able to make payments by check and credit card in their portal. I communicated this to Ally and they have been very dismissive about it. 

I have also filed a complaints with the Maryland Attorney General Office as well as the Consumer Financial Protection Bureau for their practices. 

XX/XX/year> Ally Financial accused me for stealing someone identification and using it fraudulently and told me they were not going to process my request for documents required to complete my loan approval process I acquire from another lender on XX/XX/year> because I used someone info to acquire my initial loan with them and that was confusing to me. 
When they realized they made a mistake they try to blame me and said I made the inquiry and not someone else. 

I mention to them how will I do such a thing knowing I was approved for a refinance and it would affect the process and they just dismiss my point, After I told them Im going to file a complaint with the credit bureau, CFPB AND Maryland Attorney General office and their representative told me all they had to do is deny they did as well as with my credit and the credit bureau and other entities will go with their word and not mine. 

They block my access for a very long time and are now reporting me being late and trying to destroy my credit. Ive asked them for a letter or documents about the identity incident and they have refused and tells me they do not give out letters and do not see any info in their computer regarding anything of that incident all of a sudden. 

This incident I asked be giving priority please as I am in the process of a refinance Im disputing all info on my credit report and asked the credit bureau removed them as well as investigation into the matter by the CFPB and the MD Attorney General.

I have attached some evidence with this letter pertaining to some of the things that has happened. 

My apologies for any errors in my letter
Product: Credit card or prepaid card

On XX/XX/2022, I took my partner out to dinner at XXXX! restaurant. After we were seated we waited over 15 minutes for a waiter to come over to take our order. We were told by another waiter that the person in-charge of our section was busy but would be over soon. After waiting about 5 more minutes, we decided we would place an order on the website to take home instead. When we were placing the order, the time of pick up was estimated to be about 15 minutes. When we clicked place order and our order was confirmed by the restaurant, our pickup time changed to 1 hour and 20 minutes later. We decided to wave over the nearby waiter and explained the situation and asked for the order to be cancelled and my money refunded. I was assured that they would cancel my order and I would get a refund in 5-7 business days. I didn't feel assured by the waiter saying that so I contacted Apple Card by Goldman Sachs within 20 minutes of the transaction posting and was told I could file a dispute once the charge cleared but they would let me file a dispute that would go through once the charge cleared. My statement above was included in the dispute. I was informed on XX/XX/XXXX that my dispute was denied. I appealed that response with XXXX the XXXX, who allowed me to attach my XXXX statement and call logs to the restaurant to the dispute. I was told I would get another response in 90 days. In XX/XX/2022, I received a balance reversal and contacted Apple Card again and was informed that my dispute was denied again and they would not allow me to submit further disputes and there was nothing they could do. This is unacceptable since I essentially was stolen from when I paid for a service that I did not receive.