23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I told XXXX, XXXX, Equifax to reinvestigate these accounts ; Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However they stated everything was complete and accurate. But how is that possible if open date, dateof last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C. 1681 section 602 A. States I have the right 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 instructions 15 U.S.C. 1681c, ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting, I have evidence to prove my case.r
Product: Credit reporting or other personal consumer reports

identity Theft Complaint to the Consumer Financial Protection Bureau ( CFPB ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding instances of identity theft that have adversely affected my credit report. The personal information listed below pertains to accounts that I did not open, they are the result of identity theft. 
i have been disputing these accounts over 2 years, XXXX. **Account Information : ** - Account Name : XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. I did not open this account and did not give consent for its creation. 

XXXX. **Account Information : ** - Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

XXXX. **Account Information : ** - Account Name : XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

XXXX. **Account Information : ** - Account Name : XXXX XXXXXXXX - Account Number : XXXX  - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

XXXX. **Account Information : ** - Account Name : XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

I request your prompt assistance in investigating these matters and taking appropriate actions to rectify the inaccuracies on my credit report resulting from these fraudulent accounts. Additionally, I would appreciate guidance on any steps I should take to further protect my identity and prevent any future unauthorized activities. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Product: Vehicle loan or lease

Vehicle loan with Hyundai motor finance, loan has been paid off around 6 months ago, never received title, they didn't release the lien, I called at least 4 times, first they said they released the lien on XX/XX/2022, but XXXX and I didn't get. But they promised to send the lien release documents to home, I even made sure the home address is right with them, so far, nothing received, first call made in XX/XX/2022, second, third calls made on XX/XX/XXXX, XXXX call made on XX/XX/2022, still nothing arrive until today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a balance due of {$77000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a summary report from XXXX XXXX XXXX XXXX regarding my HELOC account. The report was run from XX/XX/XXXX through XX/XX/XXXX. It reports only ( 1 ) payment was transferred via online banking on XX/XX/XXXX with a reporting of a {$0.00} balance on XX/XX/XXXX. No other account activity has occurred through XX/XX/XXXX. This incorrect reporting of a balance due is seriously harming my credit score. This line item needs to report a {$0.00} balance. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached XXXX file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Product: Debt collection

I has come to my attention, that XXXX XXXX XXXXXXXX, XXXX Bank has transfer an account to Credit Control LLC. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. Credit Control LLC is refusing to discuss my concern about their acct # XXXX, balance {$1700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

After me contacting each bureau personally and creditor personally I do not see an update on my credit report. I contacted the creditor month ago XXXX regarding why a student loans was reporting not 100 % creditor then stated that everything was paid and the bureaus made a mistake on there end. Contacted the bureaus and they confirmed that they will dispute and update it they never did! They lied and keep reporting false information on my report which is against the Fcra section 609. There are wrong balances and payment dates and amounts please fix this issue ASAP XXXX shouldnt have to wait on yall when yall going against multiple laws It was never a response! They never responded to me! or updated anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card that XXXX app suggested on XXXX, because it said it wouldnt hurt my credit scorewell it did, it hurt all three bureaus, took 4 points from XXXX score aloneif I would have know it would hurt my score I would not have applied, because Im trying to work on my credit as we speakplease help with this, as it if effecting my score between good and fair reportingIm working hard to get my credit in good standing and now I dont trust suggestions from your appthank you
Product: Credit reporting, credit repair services, or other personal consumer reports

information showing to me as inaccurate or not mine to the best of my knowledge filed FTC claim XXXX/XXXX  XXXX XXXX XXXX  XXXX  XXXX  ( missed this on the ftc please add it ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 I am a victim of identity theft please remove it from my report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 I am a victim of identity theft please remove it from my report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 I am a victim of identity theft please remove it from my report.
Product: Debt collection

I have now left XXXX messages on the legal resolution team at Pressler and Pressler after receiving a XXXX letter from their offices. I spoke to someone this afternoon and the amount I " owe '' has increased from the {$820.00} ( amount which was repeated several times throughout our communication as well as the number presented as part of evidence in their notice of motion paperwork. I would like to understand how the sum owed has substantially increased as of this afternoon to well over {$1000.00}.
Product: Debt collection

This is a continuation of the previously filed complaint against national credit system. This complaint is equally against national credit XXXX on behalf of XXXX XXXX. In both cases National Credit XXXX violated the law by attempting to collect a XXXX from me that I do not own. I want this current complaint to be joined with the initial one. 

I will like to make a distinction that I have two complaints against National credit XXXX. One of which has already been reported to my credit record in the amount of {$1700.00}. The another in the amount of {$10000.00}, which national credit system says I owe XXXX XXXX as shown in their debt collection notice. I hope this will put an end to this reckless behavior by national credit XXXX 

I have previously reached out to both XXXX and National credit XXXX. The landlord in this case XXXX says I have a lease with them and hence owe them but just like XXXX XXXX. I didnt follow through with the lease because I offered to pay rent with rental assistance and they said they do not accept rental assistance as forms of payment. Then I asked that the lease process be discontinued a year even before the lease would have gone into effect. 

The common denominator in this whole situation is National credit XXXX.
Product: Debt collection

Last payment made on account was XX/XX/XXXX. After that the account had gone into collections. In XXXX of XXXX the account was closed and removed from my credit report. Now all of a sudden it has popped back in an " Active '' state again nearly 2 years after it was closed and removed, and what makes it even worse is they are stating i have past due payments as well which is affecting my credit. I have tried contacting them as they have been no help and keep transferring me back and forth between representatives.
Product: Debt collection

I am not liable with a debt with XXXX. I do not have any contract with Credence resource Mana
Product: Checking or savings account

I bought a flight on XXXX The website for XXXX  XXXX and XXXX state that if you purchase a checked bag online it is cheaper than adding it and paying for it at the airport. So I saw it was for {$41.00} to add a checked bag. So I paid the {$41.00} for the bag and paid for the flight. However at the airport XXXX  XXXX says that they did not add the checked bag to my fiancs reservation. When he called me I said show them the email. I called the XXXX and they were not able to give me a reason that the bag was not added. My fianc had to pay {$110.00}! To check the same bag at the airport. Now Chase is denying my claim to get the {$110.00} back because we already paid for the bag. After I filed the claim I saw that they messed up the claim and said it was for more money. I called the claims department and reported that no, it was only {$110.00} we were disputing because that was the bag fee we already paid for. Then I got an email from the company saying that they were going to refund the {$41.00}. So again I called XXXX to tell them to take the {$41.00} out of my account because the provision credit was {$110.00} not {$41.00}. Why would I accept a {$41.00} credit when I played by the rules and paid for the baggage ahead of time and then get charged {$110.00} at the airport? No, I want my {$110.00} back, I did what I was supposed to do. Next Chase asked for more information. So I sent the information showing that my fianc ( who is also a Chase customer ) added money to his XXXX XXXX from his Chase account and then had to use his XXXX  XXXX  account to pay the {$110.00}. Now a major problem I have is I called the dispute department for something different and I told them the situation. I asked them how we should file the dispute because I was about to call and get him on the line because it made sense to me to dispute the {$110.00} claim from the money he added to XXXX XXXX from his Chase account BUT they said no, you can dispute the claim on your account and I asked if they were sure. I could have just done it on his account and used my documents where I paid for the baggage already. Oh yeah they said and now its denied.
Product: Bank account or service

I was hit with {$780.00} in over draft fees in one weeks time. I tried to talk to TD bank, but they were no help and refused to do anything to assist me in this matte.r
Product: Money transfer, virtual currency, or money service

I was trying to send money to my brother in law because he has an emergency. I used WesternUnion mobile app, i paid the fees they asked for witch is {$11.00} Dollars to be delivered in minutes. I was sending {$290.00} + {$11.00} so total is {$300.00} Dollars. Now its been 24 hours the money is not sent. They asked me to upload my ID for verification. I uploaded all the documents they asked for. And still nothing happened. I am on the phone with them for almost 3 Hours trying to get a solution for this issue by either send it or refund it back to my bank account. But unfortunately I couldnt. Its very frustrating unprofessional people.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( KIKOFF - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( KIKOFF - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Debt collection

XX/XX/XXXX-NELSON & KENNARD, XXXX XXXX XXXX XXXX XXXX XXXX SENT A LETTER TRYING TO COLLECT DEBT FOR XXXX XXXX FOR THE AMOUNT OF XXXX ... XX/XX/XXXX-I SENT A LETTER ASKING  TO VALIDATE THE DEBT ... XX/XX/XXXX NELSON & KENNARD SENT LETTER WITH INTENT TO FILE SUIT WITHOUT EVEN FIRST VALIDATING THE DEBT AS REQUESTED ON XX/XX/XXXX.... AS TO TODAY, XX/XX/XXXX, IT HAS BEEN MORE THAN 30 DAYS.  I STILL HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THE DEBT SINCE I REQUESTED IT ON XX/XX/XXXX.  THE DEBT IS UNVERIFIABLE BECAUSE NELSON & KENNARD DID NOT RESPOND WITHIN 30 DAYS.  I WANT NELSON & KENNARD TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY.  I WANT NELSON & KENNARD TO NOW FILE SUIT.  I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY... REFERENCE NUMBER XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to to take timely and effective measures to prevent and address fraud on their platform. leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I ( with my wife ) purchased tickets with her XXXX XXXX XXXX which is advertised as allowing us a free checked bag each. Due to a family emergency she had to reschedule her return flight. When I checked in I was told I had to pay for the bag that I had already checked for free on my outbound leg. I was told they couldn't handle it at that point but I should go ahead and pay for the bag and then after the flight I should apply to be reimbursed and they assured me multiple times that I would be definitely be reimbursed afterwards. As feared, the application for the reimbursement resulted in them saying the original rep didn't tell me correctly. If the rep I spoke to had told me that if I paid I was likely not to get the money back then I could have made an informed choice. But I trusted that the rep knew his stuff and was telling the truth - that's all I as a consumer can do when I need information about a flight and what to do. Ultimately I paid {$75.00} and apparently am not going to get it back despite multiple clear assurances to the contrary from the official XXXX representative.
Product: Credit reporting or other personal consumer reports

I listing 1 inquiry fraudulent from my Transunion Credit Report. Capital XXXX XX/XX/year>. Listed inquiry de not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark this inquiry fraudulent and remove from my Credit Repot.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen, and an account was opened with XXXX using my Social Security Number, my middle Initial and my Second Surname, I received a Notice dated XX/XX/XXXX from a collection agency claiming that I owe over {$2400.00} to XXXX. The Notice shows my first name, and my XXXX XXXX XXXX without showing my legal Last Name ), and without disclosing the creditor 's account number. 

EQUIFAX Credit Report dated XX/XX/XXXX, shows the XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX Credit Report dated XX/XX/XXXX was issued in two names : 1 ) my full legal name, and 2 ) my first name, my middle initial, and my Second Surname XXXX without showing my legal Last Name. ). IT SHOULD BE NOTED THAT MY SECOND SURNAME WAS REMOVED FROM MY FULL NAME OVER 51 YEARS AGO, ON XX/XX/XXXX BY THE XXXX XXXX COURT IN XXXX, NY. The Credit Report also shows that XXXX opened an account using the XXXX XXXX on XX/XX/XXXX ; the account was closed on XX/XX/XXXX and is in collection. 

As I am a XXXX citizen ( almost XXXX XXXX XXXX ) and seldom use credit, I tried to protect myself against this type of fraud by placing Security Freezes with EQUIFAX on XX/XX/XXXX and with XXXX on XX/XX/XXXX, which I never lifted. 

I am a victim of financial fraud. I have been financially harmed because my credit information was negligently released on XX/XX/XXXX to XXXX, WITH WHOM I DID NOT HAVE AN EXISTING ACCOUNT. This was done without my consent and without regard to the Security Freezes that I placed over XXXX  years ago on all my credit files. 

I have informed EQUIFAX, XXXX, and XXXX of the above and have filed an Identity Theft Report with the Federal Trade Commission.
Product: Debt collection

I did not receive anything until this document on XX/XX/23 that was dated on XX/XX/23
Product: Mortgage

In XX/XX/XXXX I experienced a medical issue with my spine. The issue affected my hands which caused numbness and tingling for at least XXXX hours per day. I was forced to resign from my job and was ineligible for unemployment benefits. I submitted a modification packet along with the required documents. I advised them that I was unable to complete all of the questions due to the pain in my hand. PHH stated that as long as I sign it we can complete some questions on the telephone. PHH Mortgage denied the request on XXXX XXXX. I submitted the documents several times. The reason given was failure to submit information. I spoke with my relationship XXXX who assisted me in completing a new application over the telephone. The relationship XXXX stated that he would have an answer for me in XXXX days. I made several calls, more than XXXX to PHH Mortgage about my status. I was given the run-a- round time after time and began to get anxious and wanted the issue resolved before The XXXX holiday. The representative assured me that things will work out in the end. They help with the application for XXXX or more despite my repeated phone calls. On XXXX XXXX I called PHH and demanded that they provided a decision while I wait on the phone. The representative kept me on hold for XXXX minutes. She stated that the modification was denied due to the number of times that I requested assistance. She also stated that my mortgage will be transferred to XXXX, and I need to produce XXXX payments by Friday XX/XX/XXXX and there were no other options to prevent foreclosure. They advised me to call XXXX because it was out of their hands. 
PHH mortgage have done similar things to customers to include misleading them in terms of their policies. PHH knew that I was not approved but held the information from me due to the upcoming transfer. This issue needs to be fully investigated because they tend to play a lot of games with the customers and provide erroneous information to string them along. My account last XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXX {$350.00} XXXX  XXXX {$240.00} XXXX XXXX  XXXX {$150.00}