23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My mother XXXX to call the police on XXXX XXXX at XXXX in XXXX, TN. There was a man outside her window with a flashlight walking up and down the house shinning a flashlight in every window. He was knocking on the door. When the police arrived they found a yellow card addressed to me with a number to call. I do not live with my mother and have never lived at this address. The man showed up again and asked my mother if I lived there and she has told him I do not live there. I have have contacted the name on the card asking to meet to get documents and the man hung up on me. I have attached a copy of card and believe he is a processor for Buffaloe Associates in XXXX. I have no idea why this person is trying to contact me and my mother is getting repeated calls after telling them I do not live there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I would like to follow up and express my deep concern and frustration regarding the ongoing issues with late account openings, despite our repeated attempts to rectify these matters. The persistent occurrence of late account openings not only disrupts our operational efficiency but also reflects poorly on our organization 's commitment to providing timely and reliable service to our customers. I urge you to conduct a thorough review of our account opening procedures and systems to identify any underlying issues or deficiencies that may be contributing to the persistent delays. It is essential that we implement robust controls and enhanced monitoring mechanisms to ensure that accounts are opened in a timely manner and in accordance with regulatory requirements. Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by late account openings. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$250.00}.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I was a victim of a XXXX scam. I had put up my daughter 's bed to sell on XXXX XXXX. Someone contacted me about it and wanted to buy it. They asked if I used XXXX, and I said I think I have/can. I knew it was linked with my accounts with my bank and I could go through my banking app to receive the money. I gave the person my email address to send be the money. I got an email from " XXXX '' stating I have a pending payment of {$400.00} ( the price I was selling the bed for ), but they noticed my account was limited and not a business account so I couldn't be credited. They stated I would need to ask the sender to send an additional {$300.00} so it can be changed and then I would be credited the {$700.00}. I have never used XXXX and it was through my bank, so I thought, ok, I'll do that. Well, then I received a second email from " XXXX '' stating that the {$700.00} is now waiting to be deposited into my account, but I was required to send the {$300.00} back to the buyer so that I would get my {$400.00} and for the buyer 's security. So I sent the {$300.00}, again thinking " This must be ok because it is going through my bank app ''. Then I received a third email from " XXXX '' stating they received my {$300.00}, but they noticed my account wasn't fully upgraded so I needed to send an additional {$500.00} for my account to be fully credited. They let me know that this was the last stage and once I did that, they would give me the {$1200.00} back. Again, not questioning it ( like I should have ), I sent them the {$500.00}. I then yet received a forth email from " XXXX '' stating I needed to send in {$700.00} for some I.M.F. certificate. At this point XXXX wouldn't let me send more than {$200.00}, so I sent {$200.00} through XXXX and the additional {$500.00} through XXXX. I then received a fifth email from " XXXX '' asking for an additional {$1000.00} because they deducted {$1000.00} from the buyer 's account and was putting it in my account ( which they never really stated why ) and that I was required to refund the buyer back the {$1000.00}. At this point I started to get suspicious and stated to the buyer that I was going to check this out with my bank in the morning. The whole time I was sending the money and getting the emails, the buyer was sending me messages stating he got the money and was trying to show me proof that he was sending money. After I stated I was going to get ahold of my bank, I never heard from him again. I was able to get the {$500.00} back from XXXX, but my bank has denied my fraud claim stating they were unable to get the money back from the XXXX recipient. Of course they didn't, it was a scam!
Product: Credit reporting or other personal consumer reports

I have the same student loan listed twice on my credit report. The duplicate account may have been a result of a glitch during the transfer of account that took place. I need the duplicate account removed from my credit report so I can refinance my home. The accounts on the credit report are as follows : Missouri Higher Education {$360000.00} Mohela Department of Ed {$360000.00} These are the same loan but are listed twice.
Product: Credit card

My complaint is regarding a charge I am disputing that was made on my Best Buy/Citigroup credit card, by Best Buy, on XXXX/XXXX/XXXX in the amount of {$100.00}. This charge has accrued late fees and interest, now resulting in the current total balance of {$280.00}. 

The history of this charge is as follows : On XXXX/XXXX/XXXX, I purchased a one-year Best Buy/XXXX membership service at a Best Buy store in XXXX, XXXX On that same day, I received an email ( see attached email dated XXXX/XXXX/XXXX ) from Best Buy/XXXX confirming purchase of the service and charge to my Best Buy credit card. In this email, the following was clearly indicated with regard to the future renewal of this membership service : " We will notify you via email 30 days prior to any charge to your credit card. '' With regard to the disputed charge made on XXXX/XXXX/XXXX, Best Buy/XXXX DID NOT notify me via email ( or any other form of communication ) 30 days prior to the charge made on XXXX/XXXX/XXXX despite their promise in the above-referenced email/confirmation receipt. 

It is important to note that in years past, I had received notification emails alerting me to the upcoming expiration of this membership and the pending charge for renewal ( see attached email dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ). These emails allowed me to decide if I wanted to continue the membership and also alerted me that a charge would be made on my card. Following a renewal, I was notified by Best Buy/XXXX via email of confirmation of the purchase and resulting charge on my Best Buy/Citigroup credit card ( see attached emails dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ). 

With regard to other products for which I had purchased renewable XXXX Protection, I had always received emails from Best Buy/XXXX alerting me to the pending expiration of the protection with an option to renew ( see attached emails dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ). I chose not to renew protection on these items so, subsequently and appropriately, I was not charged for the renewal. 

However, and with regard to the disputed charged, not only did Best Buy/XXXX fail to notify me 30 days prior, I did not receive any notification following the renewal/charge indicating that the membership was renewed or even that a charge had been made. 

Again, I did not receive ANY notifications of the pending renewal, pending charge, confirmation of a renewed membership, or confirmation of a charge made to my credit card. 

I began to dispute this charge in XXXX XXXX after Best Buy/Citigroup contacted me via telephone regarding this charge about which I had no knowledge. At that point, the charge was already past due. My attempts to dispute this charge have continued since that time and up until present day without any satisfaction. Over time, late charges have been applied to the original charge resulting in a total outstanding balance of {$280.00}. Furthermore, Best Buy/Citigroup has reported to these late payments to the credit report agencies causing a significant reduction in my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 3 credit agencies XXXX XXXX asking them to provide the date of delinquency for an old XXXX XXXX account. I asked them to provide this information because XXXX XXXX XXXX is showing a recent delinquency ( {$3400.00} ) for that same account in XXXX. In essence, they have re-aged the debt which is illegal. 

XXXX provided a date of first delinquency in XXXX. The account was opened in XXXX. However, they are still allowing the Collection Agency to reflect a more current date. Experian and XXXX did not provide me with the first date of delinquency, rather they are just reflecting the incorrect date from XXXX XXXX XXXX. XXXX XXXX XXXX has not responded to my inquiries. 

Essentially, re-aging an account means that a debt states differently than the original date of the first debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ). 
I want this re-aged debt entry removed from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act. To conduct a reasonable re-investigation of disputed information on my credit report. Leaving in accurate or unverifiable accounts unresolved the ( CFPB ) has recently filed a lawsuit against XXXX a legend, systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to notify consumers of dispute outcomes these failures aligned with my experience were XXXX  has neither corrected or removed
Product: Money transfer, virtual currency, or money service

PNC will not let me link my account to an external source. There is no solid reason I can see as to why this happened.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to conduct a proper investigation into inaccuracies I have disputed on my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours, stating that the disputed account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of cons
umer disputes. Additionally, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The Consumer Financial Protection Bureau ( CFPB ) recently highlighted similar violations in its administrative proceeding ( File No. XXXX ) against Equifax. 

I respectfully request that the CFPB take appropriate action to ensure Equifax complies with federal law and provides consumers with documented proof of proper investigations into disputed credit report inaccuracies. 

Thank you for addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX loan was paid in full on XX/XX/XXXX by insurance company and title was released to insurance company. Gap coverage was selected but was not processed by dealer properly on loan documents. After loan was processed and submitted to Ally Financial the contract was determined to be either incorrectly stated or omitted for Optional GAP contract by dealer. This was not my error and Gap coverage was selected and should have covered the difference and therefore no remaining balance was due. Ally and their collection agency continue to report this as unpaid debt to credit bureau. I have disputed this several times. I phoned Ally Financial on XX/XX/XXXX and the gentleman could not locate my account and stated he was transferring me to an Account Specialist but instead transferred me to their collection agency XXXX XXXX XXXX XXXX. They demanded payment but I did not contact them but was transferred to them by false misinformation.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX which were transferred from my wallet utilizing your services.
Product: Credit reporting or other personal consumer reports

Provided credit bureau with certified letter I was a victim of identity theft last year via certified letter 3 times and via email and also my SSN was compromised on the dark web by XXXX Credit Bureau ; also requested credit report be frozen. Transunion fail to lock credit report and XXXX unauthorized requests for credit - all online- were submitted and provided by Transunion XXXX XXXX between first letter and next letter. TransUnion fail to lock/freeze credit and also refused to remove unauthorized inquiries which has reduced my XXXX XXXX XXXX XXXX. XXXX has removed the same inquiries.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Accounts and Inquiries that are still reporting on my Credit Reports : Inaccurate Names : XXXX, XXXX, XXXX, XXXX XXXX ; Accounts : XXXX XXXX and XXXX XXXX XXXX XXXX Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, CERTIFIED Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card with  Wells Fargo , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and they brought it down to {$110.00} only because I disputed it. Those action lowered my  credit score.  And I have yet to receive any letters on what happened with the deposit.
Product: Debt collection

G C SERVICES Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - {$2100.00} Account number - XXXX Date opened- XX/XX/2022 G C SERVICES Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX This cause negative impact on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I so two weeks ago I fille an investgtion with Equifax to remove the inquires off my credit report. I didn't authorize any company 's to run my social security number. So if you can help I would be most grateful.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the name and business address of each individual whom you verified the above, so that i may follow up. Please send an updated copy of my credit report after your re- investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of doing business with any of these creditors below. Please remove it from my credit report. 

Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXXXXXX XXXX on XX/XX/2022 XXXX from XXXX XXXX on XX/XX/2022
Product: Credit reporting or other personal consumer reports

I was denied a job because of failure to provide required documentation for something that I already told them wasnt even on my record yet. Im being denied for no reason.
Product: Checking or savings account

My personal information was stolen an change due incorrect information can't verify my identity to any account or bank account information someone change my identity trying located my savings bonds an CD
Product: Credit reporting or other personal consumer reports

This is my third 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX  Balance ; {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Hello, there is a 2014 Chapter XXXX Bankruptcy item with docket number XXXX that was added on my score that I have been disputing for the last 4 months to get this item withdrawn. I have talked with with several representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. I called and spoke with a representative and inquired from Experian on how credit bureaus verify their public records. I want to know this information because the item keeps coming back as verified every time. I had XXXX managers tell me that the dispute is sent as a notice to the courthouse through XXXX. Once the court verifies it, the information is mailed back to the credit bureau. To make sure the correct information was relayed, I contacted the court house and they told me that they never report any information via the credit bureaus. I decided to call Experian back to speak with another representative, but this time they advised that the information is verified by the contractor who goes to the court house. I asked what information does the contractor give to the courthouse, and how & what kind of physical information does the contractor verify to the credit bureaus. They could not answer that question and just said its a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Experian refuses to give my physical documentation that they use to verify this bankruptcy is mine and reporting accurately per the Fair Credit Reporting Act.
Product: Credit card or prepaid card

Bank of America keeps adding 3- {$4.00} per transactions. I use BOA teller - they charge me ATM fee. For using BOA. 
I purchase on XX/XX/2020 large pan of rice and beans from XXXX XXXX receipt I signed was $ XXXX my XXXX says BOA charged me {$88.00}. XX/XX/XXXX XX/XX/2020I purchase chicken I digned the receipt for $ XXXXBOA alerted me with a transaction of {$23.00}. This had been going on since I had this account. Ive filled a complaint with the mass attorney general office. Called BOA to dispute these charges stayed on hold for2 hours then to a lost transfer. I would like a call back to help me get my stolen money back from BOA
Product: Vehicle loan or lease

Ally financial has been charging me daily finance charges of {$8.00} per day even though I have made advance payments in 3 to 6  months increments. I have requested a copy of my full contract and continue to receive summary. I even sent my request by way of certified mail. There is another related matter that I submitted a 12 page complaint with the XXXX where the dealership committed fraud to get me in this loan, and to avoid loosing my place of employment that requires good credit history, I am stuck in this fraudulent loan to avoid implications on my credit. Copies are available upon request providing proof of this fact.