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

I live in XXXX, Texas and sometime in XX/XX/XXXX my ex-girlfriend lifted personal information without my consent during a visit. She went to XXXX XXXX, Michigan and made an unauthorized charge of {$1600.00} to XXXX XXXX to make repairs to a vehicle. Instead of following correct procedure and calling my phone number, she handed them the phone and someone claiming to be me gave them my personal info. When I asked her about why she did this without asking me she texted me saying, " I was scared you were going to say no! '' Despite this evidence, despite the negligence of the staff in their method for obtaining consent for the charge, and despite the fact she made unauthorized phone payments again using lifted personal information that I did not give her consent to use, citibank and XXXX claim their investigations found nothing. There are still {$250.00} or so that they claim I owe for a charge I never made. This is on file with the XXXX County, TX sheriff 's office under case XXXX. They still have not arrested her as far as I know and she has changed her number and ignored all my attempts to contact her. I don't know if this is some kind of sexism because I'm the male partner in this relationship or why she is being treated like she is innocent and I am being treated like I should just pay even though I am the victim but it is ridiculous. I demand that XXXX XXXX and Citibank to be investigated for misuse of my credit card information and errors in their fraud investigation procedures and that the credit card charges wiped out or transfered to the guilty party, one XXXX XXXX, and to be recognized for what they are : Fraudulent unauthorized charges! I want letters sent to my credit reporting agencies apologizing for this lapse in justice. If anyone should be slighted for these missed payments, its her. I never agreed to the terms of her making payments via phone to my card directly. I tried to press charges to have her arrested. Now I don't know if that's in the scope of your powers or not, but for some reason the Sheriff isn't making any moves and I don't know why. The whole thing is frustrating and defies reason. I can provide more than enough evidence that she admitted to wrongdoing in text messages and citibank has information on the multiple permutations of her name and fake names used to may phone payments.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. The CFPBs has neglected to protect consumers leaving users vulnerable to scams.
Product: Credit card

I was promised a new XXXX card to replace old card, which had been possibly used fraudulently. 
Talked to XXXXsBank XX/XX/XXXX. Assured delivery next day through XXXX. 
XXXX also provided delivery notice. 
No card. 
XXXX then notified me of delivery XX/XX/XXXX. XXXX. Same happened XXXX XXXX, and no card today. 
I was prevented from filing a claim with XXXX because they are awaiting delivery status. 
They said to contact sender, or US Bank. 
I called US bank customer service on the XXXX, being advised by XXXX that tracking was incorrect. 
I was insulted by XXXX in customer service. She said she couldnt and wouldnt go anything. She claims she is a supervisor. 
I have signed up for a call today from the bank, but I am being stood up, despite three confirmations from the bank. I can provide a confirmation # if desired. 
I want US Bank to get my new XXXX card to me. Alternatively, I will close all four accounts with the bank and transfer to another bank. 
I want them to cancel the card being supposedly shipped and issue a new card immediately. 
This has been 9 days! No one is responding! 
This bank is absolutely terrible in customer service. 
I intend to file a more egregious complaint with the Attorney General for fraud in advertising and the difficulty I had setting up a CD. It was appalling and was never corrected. 
XXXX XXXX
Product: Credit card

My phone and wallet were stolen on XX/XX/XXXX. 
Along with my other credit card and debit card I had numerous fraudulent charges for large amounts. 
This card my Apple Credit card from Goldman Sachs had a charge as follows XX/XX/XXXX XXXX XXXX XXXX- Amount- {$1400.00} This card has only a {$1500.00} credit limit otherwise im sure it would have been more. While reporting all these fraudulent charges I also contacted Apple Card support and reported these fraudulent charges on the XXXX  XX/XX/XXXX. After a XXXX  month investigation they tell me I authorized the charges. Which is false. My balance on the card beforehand was {$0.00} and I hadn't even used the card to charge anything since XX/XX/XXXX. I have never shopped at a XXXX XXXX and I feel the company did not do a thorough investigation. I would like to figure out how to get this resolved. I tried calling the XXXX number and was on hold for XXXX min.
Product: Student loan

My account is Account XXXX XXXX with Navient, formerly XXXX XXXX. I have been paying on this loan for more than 10 years. My original borrowed amount was about $35K. Ten years in, my balance now says XXXX. I was in forbearance many years ago, right after I graduated, so I definitely incurred more interest and fees, but does it really seem reasonable that 10 years in I owe almost as much as I borrowed? I have paid over $25K and I know it was due to the forbearance, but I am wondering if there is any way to lower the principle I owe - I haven't missed a payment in over ten years. I am actually in a good place now and can even pay a little more per month, but does it really seem fair I will pay over $55K to borrow XXXX? Seems like loan sharking to me. Please let me know if there is anything I can do. I'm certainly willing to pay my full borrowed amount plus some extra for the forbearance, but this seems a little ridiculous. Thanks for any help. I have all records in my account. The loan company has some sketchy accounting so it looks like they are only charging me for the XXXX  online in my payment records, but you can see over ten years in, there is still a balance of XXXX.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX EXPERIAN XXXX - XXXX DEPARTMENT Experian XXXX Department ACCOUNTS THAT NEED TO BE REMOVE : XXXX. XXXX XXXX XXXX - Date Opened XX/XX/XXXX Acct # XXXX Original balance {$XXXX} Account Type : Collection XXXX. XXXX XXXX XXXXXXXX - Date OpenedXXXX XXXXXXXX, XXXX Acct XXXX Balance $ $ XXXX Account Type Debt
Product: Credit card or prepaid card

in XXXX of XXXX bank of American sent my card to the wrong address and somebody was able to steal my money, they did this 2 times in a row. 
my account was locked for 18 months and in XX/XX/XXXX i was finally able to unlock it and file a claim for the money stolen and i was able to request a new card. 2 weeks later after calling everyday and being instructed to wait and wait some more being denied another card, after this my account was locked again. my claim was denied because it took too long for me to file the claim " although they would not allow me to file until my card was unlocked '' but my claim was denied. i had around XXXX on my card. now in XX/XX/XXXX they refuse to close my account, issue me a check, refuse to allow me to file a claim for my missing funds, refuse to send me a new card. they wont do nothing and im stuck in a hard ship for 18 months now because of this. also they keep sending me letters in the mail and emails to my email account requesting that i call in to take care of the block that is on my account. when i call they say other wise. when i ask them in writing, and email also over the phone to stop sending me these letters and emails, the refuse to help me.
Product: Credit card

Elan credit card I paid off the card and disputed the amount I owed and then the company said it investigated it and it did not accurately do so. It showed two months prior amount, not the month of the dispute. What a poor way of correcting the issue and showing two months prior statement. Thanks for not being accurate!
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking I am notifying all consumer reporting agencies these accounts XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX has been altered fraudulent transactions has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was removed multiple times from my report and keeps reappearing. I never was associated with this account nor did I ever sign any agreement with CREDENCE RESOURCE MANAGE. It says account was open XX/XX/22 thats false I didnt apply for any accounts during that period. I will like to see a debt validation letter from this account Im 100 % confident I never signed and agreements or contracts with them.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue concerning the removal of fraudulent items from my account. This communication marks my several attempt to resolve this matter, which continues to cause significant inconvenience and financial detriment. I have complied with all necessary procedures, submitting comprehensive documentation to substantiate my claims. Despite these efforts, the fraudulent charges remain unresolved on my account, adversely affecting my financial stability and confidence in your institution 's ability to protect my interests. The persistence of these fraudulent items not only misrepresents my financial history but also poses an ongoing security risk. XXXX and decisive action is required to rectify this situation. Failure to address this issue promptly will necessitate further escalation, including seeking intervention from regulatory bodies to ensure compliance and protection of consumer rights. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX XXXX TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX XXXX TX XXXX.
Product: Credit reporting or other personal consumer reports

nefarious company called lexisnexis risk solutions, XXXX XXXX XXXX XXXX XXXXXXXX, never heard of them, I did not authorize this phony data broker to collect information on me, or masquerade as a credit bureau, there website says insurance and criminal investigations, WHY would I give these clowns my personal information so they can surreptitiously open there own file or account using my name? HOW illegal and stupid is that? This name popped up from XXXX XXXX denial letter? I want any/all information deleted, I never gave these conniving data brokers my permission to XXXX open any phony nefarious file on me/ Nobody has heard of them? WHY is that????????
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had many issues with Equifax and their credit reporting errors and issues. I am never able to request a free copy of my credit report because each time that I attempt to Equifax has me send them proof of identity. Then, each time that I do so there still continues to be errors or issues either preventing my access to MY credit profile with their company and the right to file a dispute of erroneous information due to these continuous roadblock tactics. Today, I attempted to begin a dispute on an account that has since been deleted with other bureaus for inaccuracy, yet was told I have a NH ( no hit ) credit profile. This meaning that I don't have a credit profile at all, which can't be true if I check my Equifax credit profile and am able to see all of current credit accounts, along with ones that are inaccurate and fraudulent. The account in questions is XXXX XXXX XXXX for a XXXX XXXX account that I never owned, nor was ever contacted by them about opened in XXXX of XXXX, without my knowledge and then appeared on my credit report out of nowhere in XXXX of this year ( XXXX ). I have disputed it with other credit bureaus and it has since been deleted. However, am unable to do so with Equifax due to their constant credit profile roadblock tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Original creditor : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Original creditor : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights Original creditor : XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights Original creditor : XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX  In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights Original creditor : XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit card

When I was purchasing a XXXX XXXX XXXX XXXX, American Express offered to pay for the ticket with a statement credit. I chose to have the ticket paid for by the promotional credit. Upon applying for the offered credit, the webpage loaded the credit information. Then the screen went blank with no option to retrieve the XXXX reservation and no option to retrieve the XXXX XXXX account information. 

It's a bait-and-switch tactic. 

The offer was for purchasing the ticket for a flight in XXXX days with the promotional credit. The offer was rescinded by slight-of-hand. 

I contacted XXXX XXXX at XXXX and spoke to XXXX XXXX to get the promotion and have been denied the offered promotion as shown. I requested access to my account, and was denied access to my credit information. I was told to wait until the card arrives in a week to get the offer. The flight will have flown before the credit card arrives. American Express offers virtual credit card numbers. The representative denied me a virtual card number which would have resolved the issue.
Product: Credit reporting or other personal consumer reports

I have tried to fix this problem but the credit card company doesn't want to fix the problem. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these companies are not mine and I would like you to research these to see if they are mine and if not delete them from my credit account. On the XXXX  15 USC 1681 Sect. 602A States that I have a right to pvcy. and that Consumer XXXX. can't put thing 's on credit that is 15 USC 1692C 604A.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, Maryland on XX/XX/XXXX. I have had the car for two years. On Monday, XX/XX/XXXX, at approximately XXXXXXXX XXXX  the cars engine failed while I was transporting my XXXX  to school. The car suddenly shut off while I was driving on the highway at XXXX miles per hour. My XXXX and I were terrified, and I had to quickly get the car to the shoulder of the highway as it was slowing down. 

Later that morning, I had the vehicle towed to XXXX XXXX XXXX. On XX/XX/XXXX having assessed the vehicle and determined that the vehicle had suffered from an engine failure XXXX XXXX XXXX recommended that I have the vehicle towed to a local XXXX dealership for repairs. Subsequently, on XX/XX/XXXX, I had the car towed to XXXX XXXX XXXX for diagnostics. 

The dealer confirmed that the cars engine would need replacing ; the repairs would cost {$6800.00}. I promptly contacted XXXX Consumer Affairs to inquire about remedies. XXXX informed me that the vehicle is under several recalls, one of which XXXX would have extended the vehicles warranty and guaranteed an engine replacement in the event of a failure. Upon further research, I discovered that this recall ( and several others ) was issued prior to my purchasing the vehicle from XXXX XXXX. XXXX XXXX, however, failed to address the recall prior to selling me the vehicle. Even worse, XXXX XXXX did not make me aware of any recalls on the vehicle- not verbally or in writing. XXXX XXXX knowingly sold me a vehicle that was faulty, and Regional Acceptance Corporation ( RAC ) financed the loan. 

I have tried contacting XXXX XXXX on multiple occasions ( the last attempt of which was on XX/XX/XXXX at XXXXXXXX XXXX ). Ive left three voicemails for the General Manager, XXXX XXXX, detailing my concerns and requesting a return call, but no one has returned my calls. In addition, I contacted my loan financer, RAC, to make them aware of the circumstance and to inquire about relinquishing the vehicle. To my dismay, the RAC representative informed me that if I were to voluntarily release the vehicle to RAC, the company would report the vehicle as repossessed to the credit bureaus, and I would still be liable for paying my loan ( or at least the difference between my loan amount and any money that the lender could recoup from reselling the vehicle ). I am dumbfounded at the prospect of paying for a vehicle that would no longer be in my possession and that I can no longer use. At the very least, XXXX XXXX should pay for the car repairs prior to RAC repossessing the vehicle, and RAC should relieve me of this loan.
Product: Mortgage

We have been participating in a lender approve short sale previous through XXXX XXXX XXXX and now through Carrington Mortgage Services since XX/XX/XXXX. Our loan was previously sold to Carrington from XXXX XXXX XXXX in XX/XX/XXXX while in negotiation for a VA Approved short sale. As part of the loan package a loss draft insurance claim that was issued in XX/XX/XXXX was given to Carrington mortgage Services identifying roof replacement as the single cause to damage to our property. Due to the hardship that has fallen upon our family we have been unable to replace the roof with out in any assistance from the insurance company. Upon notice of transfer of loan in XX/XX/XXXX we informed Carrington of our short sale status and the roof claim. Carrington inform us that they did not have the complete package from BOA so that could not issued or find the claim. The potential buyer 's insurance company would not issue a new policy on the house without the claim being settle, so we unfortunately loss that buyer ( Buyer1 ). In XX/XX/XXXX we contracted another buyer ( buyer2 ) to purchase the property. We confirm we Carrington Mortgage Services, that we had a purchaser, we receive approval for the short sale. Carrington Confirm that they have received there paperwork, and could issue the check for the roof. As of XX/XX/XXXX. No check had been issued. Our second buyer cancel, due to no policy being able to be issued on the property with a pending claim for roof again. We contacting Carrington again they told us they were processing the claim but need more information for the insurance company. We engage the buyer again, ask to come back in to the contract and give us more time. We were given an additional 15 days to close. As of XX/XX/XXXX Carrington still had not issued the partial payment for the insurance claim needed to get the contractor start to repair the roof. The buyer cancel again .... We now have engage a third buyer ... based on the same approval given by Carrington set for a closing date of XX/XX/XXXX. At this time Carrington sent another appraiser out to visit the property for a liquidation sale as of XX/XX/XXXX. Carrington and XXXX XXXX XXXX while approving us for the short sale, did in every instance avoid allowing us to sell the home. They intentionally held up the issued claim that has cause us to lose a total of XXXX contracts. If they did not intend for us to sell the home, why have they put us through so much grief and inconvenience. We only ask that we be allowed to sell our home. Please Help US, we have done everything they ask. the amount of XXXX and grief this has cause of family is enormous.We just want to be able to sell.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my balance with jefferson capital for XXXX XXXX XXXX for XXXX and disputed it off of my credit, but they still have it showing as charged off and I never paid anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked EXPERIAN ( report # XXXX ) and XXXX ( file # XXXX ) to verify an account reporting on my consumer report for errors by XXXX XXXX XXXX After multiple disputes, I am reaching out to the Bureau to help delete this unauthorized, inaccurate account that has financially hurt me and hindered my ability to extend credit. This account is said to be closed in two different times and written off amount are completely different. 

EXPERIAN claims this XXXX has a past due amount of {$1900.00} however the account was said to be written off for the amount of {$1400.00}. How can this account be written off on the corporation and then still accumulate additional money after the account is charged off? This is a clear error that has been reported for years. Experian continues to update this account without correcting the error. 

For this XXXX account to be valid and continue to report, It needs to be the same across the board. Because EXPERIAN and XXXX have validated the same account reporting inaccurately with errors. 

I am asking for the immediate deletion of this account.
Product: Credit card or prepaid card

Opened Capital One Card, within short time was alerted fraud charges in TX were showing up. New Card issued XX/XX/XXXX. Promised credit fraud protection..

Then in XX/XX/XXXX I looked online at my credit cards and bank statements horrified I found Capital One had issued a new Card to persons unknown using my name and attempting to move my perm.Address to Colorado. I have been in contact with them daily or every other day and yet things do not seem to be resolving. I closed a XXXX XXXX account that was paid off and no activity unknown nature but the Platinum Card they are still playing with. Refunding then taking back, via phone took money from a XXXX bank account and I had to close my account so Capital One couldn't take any more. And mad at XXXX did a via phone transaction to them.In 10 yrs have never done a phone transaction why didn't XXXX alert me..

They have made no effort to notify the businesses that they have been stolen from contact the police in my state or TX after I filed a report.. They just think it's not a issue ... Yet they were supposed to be protecting my credit since they allowed the breach in XX/XX/XXXX and allowed it again in XX/XX/XXXX and XX/XX/XXXX I live in KY. I spent almost 2 yrs getting my Mother 's home out of my brothers greedy paws after her death and will not be moving to Colorado or any other state.!!!
Product: Credit reporting or other personal consumer reports

UNAUTHORIZE INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX