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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Blocking Fraudulent Information under FCRA 605B I am writing to formally request, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, as the credit reporting agency , block the information on my credit report that has resulted from identity theft and fraud. This request is made within 4 business days of receiving this complaint.

The fraudulent information includes the following 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 Balance : {$380.00} These accounts have led to multiple fraudulent hard inquiries and collections appearing on my FICO credit report. I have attached a list of the hard inquiries in question, along with a copy of my consumer FICO credit report that shows these fraudulent entries.

I do not recognize any of the accounts, collections, or hard inquiries listed above. They were neither opened nor authorized by me and are a direct result of identity theft and fraud. 

For your reference, I have also included a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX, which serves as proof that these accounts, collections, and inquiries are due to identity theft. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Several months ago I sent in the " Annual Credit Report Request Form '' to the Annual credit Report Request Service for my XXXX report. No reply. I tried again on XX/XX/XXXX. 
Still no reply.
Product: Credit card or prepaid card

I purchased a ticket on XXXX XXXX on XX/XX/2018 to fly to XXXX on XX/XX/2018 for {$1600.00} on flight XXXX. 
When I arrived at the airport on XX/XX/2018 to take my flight there were several delays and finally XXXX XXXX sent me an email on Saturday, XX/XX/2018 at XXXX XXXX stating that the flight would now depart on XX/XX/2018 at XXXX  and it gave me three options in regards to this flight : 1 ) hotel and meal voucher 2 ) full refund 3 ) new ticket with another airline and reimburse up to XXXX EUR. I booked a flight with another airline and I requested a full refund from XXXX XXXX. 
I booked a ticket on XXXX XXXX departing XX/XX/2018 at XXXX from XXXX to XXXX with a layover in XXXX flight XXXX. I flew on XXXX XXXX on XX/XX/2018. 
My assistant starting on XX/XX/2018 emailed and called XXXX XXXX several times per week requesting the full refund with no response from XXXX XXXX. 
My assitant, contacted Chase Sapphire on XX/XX/2018 and spoke with XXXX in the dispute department about the charge of {$1600.00}. Chase Sapphire credited my account {$1600.00} on the XXXX statement. Chase Sapphire contacted XXXX XXXX and received documentation from them in a form of a flight itinerary stating that I flew with XXXX XXXX and proceeded to rebill my credit card on my XXXX statement stating that I had I flown with XXXX XXXX. There is no conceivable way that I flew with XXXX XXXX on XX/XX/2018 as I flew with XXXX XXXX on the same day. The documentation that XXXX XXXX provided Chase Sapphire is fraudulent. My assistant contacted the FAA in regards to this fradulent documentation on XX/XX/2018. I have documentation from XXXX XXXX that I flew with them. I also have and email from XXXX XXXX stating that they would be refunding me the ticket on XX/XX/2018 at XXXX XXXX. All of this occurred before XXXX XXXX went out of business. Chase Sapphire said that my documentation did not support my side and has refused to credit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an authorized user account I am not responsible for that I would like to have deleted and the unauthorized fraudulent inquiries deleted as well
Product: Vehicle loan or lease

I have been trying to obtain a full payment transaction history for my car loan at PNC Bank since Monday XX/XX/XXXX. I have an online account, and the full payment history is never displayed. On Monday, XX/XX/XXXX, there were only XXXXwo payment transactions displayed. I called them and notified them that I need the full payment transaction history to send to My GAP Insurance Company for my claim on the total loss of my car, which would pay off the car loan that I owe to PNC Bank. The customer service representative said that she would send my full history by mail. I did not receive it. 
When I looked back online on Monday, XX/XX/XXXX there was a partial payment history for one year on my auto loan. I called again, on Monday, XX/XX/XXXX, and explained to them that I had not received my full payment history by postal mail, and that only a partial history was shown online. Again, the customer representative said that she would send the full payment history by mail. I have not received a full history online or by postal mail as of XX/XX/XXXX. 
I called again on Saturday, XXXX, XXXX, XXXX, and asked them why they would not show my full payment history online or send my full payment history by mail. The representative transferred me, and there was no response afterwards. PNC has never shown a full payment history online for my account, and removes the payments from my account online. 
In addition, my Car Insurance company had to send them a check for the actual cash value of my car twice because they had the check for almost a month, and the check was not cashed. The first check was sent on XX/XX/XXXX. I thought my car insurance company sent it to the wrong address, because the payment had not been posted to my account. I then had my insurance company three-way call PNC Bank to verify that the address was correct. It was correct. I explained to them that they keep calling and emailing me about the payment, but that my insurance company had already sent them the check. PNC had not cashed the check which had been in their possession for almost a month. My insurance Car Insurance company had to stop payment on the check sent XX/XX/XXXX, and reissue another check on XX/XX/XXXX, which was finally posted on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Ive been forced to file several disputes with Experian concerning errors on my credit report over the years. They claim to investigate and sometimes delete the error, but sometimes not. If it gets deleted, then it may reappear back on my report under a different collections company name later on. It appears different collection firms will buy out old debts that have already been deleted. 

For example ; I disputed an error on my report which got deleted, then it reappeared again. I have submitted several screenshots from Experian of the error in question. 

The error in question on this complaint is from XXXX. I have never had an account with XXXX and this is the second time it has popped up on my credit report with Experian. 

Ive also disputed personal information that was corrected and deleted just to show back up on my report days later. For example ; the spelling of my first name. They corrected the spelling then it came back up on my report incorrect. An incorrect address is in there as well. 

The XXXX XXXX was from my original XXXX  XXXX in 2016. It was sold to XXXX XXXX and was finally deleted after I filed a complaint through this website. It took 9 years for this to be deleted off of my report. 

I request compensation through legal means from this matter.
Product: Credit reporting or other personal consumer reports

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a XX/XX/XXXXand have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : 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 V - 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I 'm currently having hardship and I ca n't make regular payments. I informed creditor that I 'm trying to figure out my situation and that I will contact them as far as payments. Creditor was sent a letter. I 've never received any I written notification from creditor with attempt to garnish my wages. Creditor sent a letter to my employer without my knowledge or proper notification. I 've never had chance to talk to creditor and try to avoid garnishment. I 've never received any written or verbal communication from creditor
Product: Checking or savings account

In XX/XX/XXXX there were two transactions for {$480.00} that should not have been taken from my account. Total being {$960.00}. I filed a dispute immediately .They provisionally credited my account a month later which is far past dispute resolution timing in XX/XX/XXXX for only half of the amount but sent an email saying the provisionally credited my account the {$960.00}. I inquired on this many times. Got slim to no real response on this. Finally On XX/XX/XXXX they stated they were going to investigate this and get back to me. On my fifth they reversed the provisional credit. I filed a rebuttal and asked for documentation on their decision. They sent me redacted photos of basically nothing and also transactions from a persons account that is not even mine. I have asked about this time and time again. Reached out again end of XX/XX/XXXX. They told me to file a rebutal with them. Before i could do so, they closed my accounts, leaving me with a negative balance and no way to access my accounts, and my secured card now closed on my credit report which made my score go down.
Product: Debt collection

Called repeatedly by Portfolio recovery at XXXX and at XXXX. I had a debt with them previously but it has been removed for 6 months now.
Product: Money transfer, virtual currency, or money service

I was scammed in buying a car that was stolen.. was making false payments and was asked to use cashiers check. 

Wells Fargo is still displaying foul practice even after being loyal for 10 years.. discrimination and robbers.. theyre own employees do wire fraud
Product: Credit card or prepaid card

Had a substantial minimum payment due on credit card. Went and made the payment, unaware that even though I'd made the payment they would still try to debit the automatic minimum payment due regardless of whether it had been paid yet or not. Because that amount was more than what was in my checking account ( again I'd already paid that amount ), that bounced and I got charged {$29.00} by the credit card company for the bounce and {$34.00} by the bank ( same company as credit card - Citi ). I called and talked to them so I understood and I could deal with that. However when on that call the CSR did NOT tell me that the minimum payment would try to be put through again automatically. It did and I got dinged another {$29.00} and XXXX $ ( now up to {$120.00} ). I called to complain about that, could not get through, went on chat and compained there, no one responded, but I did see a {$34.00} credit on my bank account Then again today I get another message that said the minimum amount ( it's over {$2000.00} ) was tried to be put through AGAIN. And voila another {$34.00} charge on my bank account. I don't know when this will stop. Tried again to get through via chat ( which is what they are recommending ) and it won't connect. The idea that a minimum automatic minimum payment will be put through EVEN IF THE MINIMUM PAYMENT HAS ALREADY BEEN PAID is suspect and it occurs to me is designed to generate more fees for the company unnecessarily and at consumers ' expense. I could turn off the automatic payment and then that could generate late fees for them. I have other cards that don't do it this way - they only take the automatic minimum payment if there is any amount left due on the minimum payment, otherwise they don't take anything.
Product: Debt collection

Hyundai Auto Finance does not give borrowers an opportunity to make a principal only payment. The one time I was able to get through to someone, they told me I had to call each time I wanted to make a principal only payment. I have tried to call several times since then, but I could not reach a person. Each time I waited >90minutes in the queue but had to hang up to return to work. I dont know many people who can stay on the phone for 2 hours waiting to be served. 
Making borrowers wait hours to get someone on the phone to make a principal only payment, seems like an attempt to discourage early payoff. They statements don't include an area to indicate a principal only payment, nor does their website. Auto sales and finance should be regulated like the mortgage industry. 
https : //www.hmfusa.com/
Product: Debt collection

I have been dealing with this issue in regard to extended car warranty fraud since XX/XX/XXXX. XXXX of XXXX I was supposed to be getting an extended car warranty through a company called XXXX XXXX. In the end my card was being used fraudulently and used to pay a scam company. After reaching out to the attorney general in South Dakota ( because that is the address they were using ), he let me know that there were over XXXX other people worldwide experiencing this same issue. He then transferred me to an investigator who had been handling the cases. The investigator was on a recorded phone call with a USAA representative named XXXX & I. She jotted down all of the information he told her in regards to the case and verified that this is indeed a scam and fraud case/company. The company has since reopened under a new name and address, only to do it all over again. The problem I am having is that the charge was made on a USAA credit card and it is now in a delinquent status after the dispute was closed due to it being past their 90 days. That credit card was not used once I paid it off PURPOSELY due to the 0 APR ending. I have called and spoke with almost ALL of the departments and am constantly left with unanswered questions, no solutions and promised callbacks that never happen. Now even after the numerous calls USAA had been on with the AG, investigators and proof of this company being a scam they have now sold this debt to collections which is impacting my credit tremendously. The last thing I was told is : AG has to contact USAA ( XXXX ). AG knows who to contact in USAA about specifics. The number given to me for the private investigator assigned to this case was : XXXX and it belongs to a gentleman named XXXX.
Product: Credit card

On XX/XX/XXXX I was trying to make a purchase from a merchant using my Bank of America credit card I tried several times to make the purchase but the merchant keep canceling my order and telling me its my credit card company. However on the final try my order got cancelled again and the merchant said my refund will be issued. I waited a full week as mentioned by the merchant and I never received my refund even though they canceled my order and said I would not be able to purchase on their website. I reach out to Bank of America and opened a dispute XX/XX/2024 the dispute was opened and bank of American provided me a temporary credit and said the merchant have 60 days to respond to the dispute and if I dont hear from them I can consider the temporary credit permanent. Yes XX/XX/2024 marked 69 days and I have not received not one email or phone call from Bank of America about the dispute or asking for additional documents, yes I checked my account and see the temporary credit removed from my account with no details about the dispute or anything, even though its been 69 days. I contacted bank of American via phone calls 2 times and neither one of the customer representatives could not tell me whats going on with the transaction or my money. They keep saying they can not see any updates on the dispute. Its very ridiculous they way Bank of America handle customer. Banks of America said if any documents is need from my end they will reach out to me. They also said if the merchant does not respond in 60 days I can consider the temporary credit permanent, its been 69 days and the temporary credit was removed from my Account with no explanation email or phone call communication from Bank of America & no customer service was able to see whats going on with the dispute as both of them dont know whats going on either. Im kindly asking the CFPB to step in this matter and help since bank of American refused to conduct a proper investigation. I have all evidence of the merchant canceling my order and promising me my refund & also mentioning that I can not make any order on their website.
Product: Debt collection

Bloomingdales erroneously put " return to sender '' next to my mailing address so i never received a statement. 
Bloomingdales then put my account to collection I received at least 4 robo calls a day from collectors in florida and ohio for a month Finally i was able to speak with seveval managers in the credit department who notified me of Bloomingdales error I was promised a hard copy by mail for about a month before i received it as i said i need to see a statement before i pay a bill
Product: Credit reporting or other personal consumer reports

This is my fourth 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, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Student loan

I went to the Minnesota XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX program. I enrolled inXX/XX/XXXX with the goals of becoming a probation officer. This school got shut down for fraud in XX/XX/XXXX, only 4 months from when I was to graduate with my XXXX. With this closure, students back to XX/XX/XXXX are being hurt. Since, I have student loans through two different companies, one of which I am referring to here. After my school closed for fraud, I had been in contact with my loan companies. I have two, a federal and private loan. I am referring to the federal loan here, which I am currently on a postponed payment status with, only until XX/XX/XXXX of this year. I talked to this borrower ( Nelnet ) about what to do with my loans being I am unable to use any of my schooling, but yet required to continue paying. My response after I applied for loan forgiveness was that I do not qualify. The problem is, I qualify for all of Nelnets requirements of loan forgiveness. The school ( XXXX ) is getting away with saying I " withdrew '' from the campus, when I was actually forced to quit without a transfer option. The school canceled my program quite a while before the closure came about. Because the school is saying I " withdrew '' due to their main campus being open for some days after my campus, the loan company is saying I do not qualify due to this statement. The fact is that I was forced to quit because the whole XXXX program of XXXX was canceled and the only " articulation agreement '' with another school was not what it was said out to be. Therefore I had no transfer option, even to a different campus. On top of all this, what I originally went to school for was never a valid program to begin with. I can not even use my general classes in future schooling due to it being a complete fraudulent program. I am writing in last attempts. I testified in front of the Minnesota house today on this subject, as a result was told to contact this reference. Im XXXX, was supposed to graduate with a XXXX in XXXX XXXX around 2 years ago. Instead, I am {$50000.00} in debt with a credit score that dropped over 300 points and there is nothing I can do about it. I am working in a XXXX and XXXX XXXX. Not only am I trying to pay my regular life bills, I am trying to pay on something I have no choice about when I can not use any of the time spent in school. Even had I graduated, I would have never been able to use my degree due to it being a fraudulent program. I am not sure who else to go to after this. Please, Please help.