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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and  removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

Due to family court case I had falling a payment behind, the entire time I was in contact with them trying to work something out they refused didn't have anything to offer me they are do not care about my business that has been made obvious. I caught up on my Mortgage on my own with no help or offers to set up a payment plan it was clean they wanted to take my house from me because it's Valued around 300k and I owe XXXX so they want to take it sell it and make money off me while collecting unnecessary PMI Fraudulently collect insurance that isn't needed and doesn't exist. They have charged me 2 {$20.00} Fee 's illegally they claimed someone came to my house to check on it lol. No one has EVER come to  this property EVER! they lied to charge made up Fee 's. I have 24 video surveillance and asked for the description of the car and person because they are lying and never once came to my property. I paid all my back and late fee 's they are now charging extra just cause they can. I called the FHA and they said I only have to pay PMI if my loan is 90 % no equity which I have in writing from the FHA which said to file an FCC Complaint which I have I did. I asked Freedom if I paid for the appraisal if they would remove the PMI sense there is no GAP if my house was sold today by the bank the would get 280-300K so there is no reason at all for PMI. They false advertise that they try and find was to lower your loan FLAT OUT LIE. I Found they way and they refused they charge extra 20 fees illegally. They reversed my online payment in order to charge more fee 's. Also they stopped sending me statement so I would have trouble paying sense the online system doesn't work correctly their employee gave me the wrong XXXX XXXX to mail it in so they could collect another late Fee.
Product: Credit card or prepaid card

I ordered something from XXXX or XXXX back in XX/XX/2022. Upon doing so, I was sent a credit card offer that gave a discount for the current purchase, plus gave an " excusive '' offer of no interest for the first 13 months. I typically don't use credit cards but needed it for travel when my own bank card was frauded and I was out of state, unable to rectify it in the time needed. It is now four months later and I have been going over my credit card statements and noticed that they have been charging 19 % interest every month. I called to inquire why this was so and the woman explained that " Exclusive '' means that you must purchase from either Cabela or one of the stores of this club. For the average customer, they would view this as a short-term offer that won't last long and that only those who respond quickly will get it. 

There is nothing that told me this was store specific. I think these practices are very deceptive and the woman insinuated that they have many people confused about this.
Product: Debt collection

I was checking my credit score today and I saw some Enhanced Recovery Company has opened a collection account on my credit report on behalf of XXXX XXXX XXXX XXXX which caused a drop of 20 points due to a collecting account been opened on XX/XX/2019 stating I owe them XXXX dollars as a debt. First of all i dont know who that collector is nor I received any type of correspondence in writing notifying me regarding the debt. Today I called the Enhanced Recovery Company and talked to the agent XXXX XXXX. She looked up my name along with my last 4 digit social security number my area code and the city I live in she still couldnt locate me in their system. I filed a similar complain against XXXX XXXX XXXX XXXX in XXXX when XXXX XXXX tried to collect the debt of same amount I dont owe to XXXX XXXX XXXX XXXX and they removed the collection account. This is the second time XXXX XXXX XXXX XXXX is illegally destroying my credit score. I request to immediately remove this collection account from my account and restore my points.
Product: Debt collection

I am having an issue with a mysterious, old debt related to my XXXX XXXX account that I closed in XX/XX/2021. It was closed with XXXX debt. I have emails from XXXX stating that my account balance is XXXX dollars. I have emails documenting my account activity. I paid my bill using autopay from my debit card. XXXX had my card on file. 

In XXXX of this year I received an email from TrueAccord stating that I have an outstanding balance of {$44.00}. Apparently they were collecting for XXXX XXXX, who was collecting for XXXX XXXX. I asked for details, explaining the whole thing in detail. I am attaching a printout of my email communication with TrueAccord. They acknowledge that they don't have a record for me and told me they will cease collection activity on my account ( please refer to the attachments for a detailed overview ). Collection account fell of my XXXX credit report after that conversation. They never stopped harassing me via email despite their multiple statements that they are not collecting on the debt anymore. Eventually I just blocked their address. 

This brings us to today, I checked my XXXX credit report, and that collections account is back on my credit report. I have explained my times that I will pay what I owe, I need to know what I am paying for and why. This is beyond frustrating, I know I can just " resolve '' the issue by paying the {$44.00}. It doesn't fair or prudent though. Thank you for your help. XXXX XXXX P.S. I have many more emails that I can forward. I would need an email address though.
Product: Bank account or service

Wells Fargo Overdraft Protection from Savings account plan states that it will transfer funds to cover items when the available balance is less than the amount necessary to cover the items, however, they are executing a funds transfer and charging a fee every time the balance is lower than {$20.00} even when there are no items pending that will take the balance into a negative balance. They are charging the consumer a transfer fee just because they have a low balance and not just to cover items that will send the account into overdraft. They are fraudulently charging these fees for overdraft protection from a savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had a lease with Ally financial on a XXXX XXXX XXXX XXXX XXXX that I traded into XXXX XXXX and obtained a new lease through XXXX XXXX for a XXXX XXXX XXXX XXXX Ally at first reported i owed a balance and was 30 days late to a XXXX lease payment which was incorrect and impossible since I didnt even own the car any longer. 

I disputed the account 3 times through experian and have open disputes with the two other bureaus since Ally reported my account with them closed, paid but still show I was 30 days late. I have NEVER paid my lease late, ever. Its impossible that I could have been late in XXXX since the vehicle was turned in on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to get my current auto loan refinanced through a company called XXXX XXXX XXXX. After I submitted my request and providing them with all relevant information to pull my credit, I was told that they could not assist me in refinancing because of supposed high risk. I accepted that and moved on hoping later to get financing from another company or bank. 

On XX/XX/XXXX i received an alert from XXXX telling me that my credit has decreased and that an new hard inquiry was placed on my credit report. I looked and saw it was a company hat I have never heard of before. A company called First Investors Financial Services. I never gave this company any of my information neither did I sign any forms from them giving them access to my credit report. I believe that my information was sold to this company by XXXX XXXX and my rights violated as a result.
Product: Credit reporting or other personal consumer reports

I am a survivor XXXX XXXXXXXX XXXX and exercised my rights under the Debt XXXX  Repair Act and Fair Credit Reporting Act ( FCRA ) 609 & 605C to request a copy of my consumer report and begin the process of blocking adverse items related to my XXXX  situation. 
XXXX XXXX XXXX, through its website and public notices, instructed survivors to send requests to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent my formal written request via certified mail. However, the letter was returned to sender as undeliverable. This obstructs my right to : Access my report Dispute or block damaging information Seek protection as guaranteed by the XXXX and FCRA
Product: Debt collection

On Friday XX/XX/XXXX while I was at work I received a call from a very unexpected person. A women who identifies herself as XXXX XXXX called her and told her that she was looking for me in regards to a legal matter. See what Ms. XXXX did was she contacted a 3rd party relative from my fathers family in which I have no affiliation or relationship with due to personal/family matters. Later that day this person Ms.. XXXX shared my personal information with had told another family member everything this so called detective told her. XXXX told her she was a detective working on behalf of XXXX county looking for me in regards to very serious legal matters. When MsXXXX called me this morning XX/XX/XXXX at XXXX this morning she lied several times which raised my suspicion about her credibility and how she handled matters. She was not honest about the location of her office and she also lied about the terms of the settlement. She declined that she was a debt collector and she said that she is a firm representative for the company which she would not disclose the name for which she was representing. When I asked for documentation such as a validation notice she Failed to make that accessible to me
Product: Vehicle loan or lease

This is a continuation of CFPB Complaint XXXX As of today, XX/XX/XXXX Bridgecrest HAS NOT provide the Title for my vehicle to XXXX XXXX XXXX XXXX. XXXX XXXX is still waiting for the Title from Bridgecrest. XXXX XXXX XXXX XXXX did confirm on XX/XX/XXXX that they received the Lien Release on XX/XX/XXXX but have not received the Title as I requested in XX/XX/XXXX when I sent the payoff check USPS Certified Return Receipt. Bridgecrest HAS NOT RESOLVED THIS ISSUE. They need to send the Title to XXXX XXXX XXXX which is NORMAL and CUSTOMARY when a loan is refinanced with another institution. 

As Bridgecrest was the original lender when I purchased this vehicle, and are the only party that ever had a copy of the Title in my name, they need to provide the title to XXXX XXXX XXXX XXXX as I requested in my USPS Certified Letter mailed XX/XX/XXXX. Copy Attached.
Product: Payday loan, title loan, or personal loan

In accordance with the Fair Credit Report Act Kovo inc has violated my rights. Allowing a late payment reporting on XX/XX/22 XX/XX/22, XX/XX/22. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft while XXXX, XXXX and TransUnion is still reporting fraudulent accounts on my consumer report. I demand that these accounts be removed IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

Recently upon checking my credit report I have noticed that I was a victim of identity theft and found numerous fraudulent inquires on my credit report that I have no knowledge of here are the inquires I have found. XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year> Please remove the fraudulent inquiries and all accounts from XXXX  XXXX from my credit report
Product: Debt collection

I got a notice from hp sears in regards to a payment for XXXX XXXX for an amount that i paid in full in their not once but twice! I paid it twice through XXXX XXXX XXXX because my insurance company refused to pay the debt at the time. Why am i getting a collection notice on something that is over two years old 1 and 2 for something that i paid not once but twice! This debt is not vaild and should not be reflecting on my credit report. In the state of AZ they have 180 days to report to collections its two years old and has also been paid! Therefore this should not be reflected on my credit report
Product: Money transfer, virtual currency, or money service

Hi cfpb team! 

My name is XXXX XXXX, and I am an international student here who is currently living in XXXX XXXXXXXX. I recently fell victim to a scam perpetrated by a XXXXXXXX XXXX, resident, XXXX XXXX. He took {$1500.00} from me in his XXXX XXXX XXXX XXXX account, XXXX. Scammer 's name is XXXX XXXX. I want to launch a complaint against Chase Bank and XXXX. I complained several times to Chase Bank officials and their online fraud department, but they were unable to get me a refund of my scammed amount, nor did they take any action against that scammer. I have been a customer of Chase Bank for several years, but their fraud department has shown no respect or protection for their customer 's hard-earned money. Please help me out to register a complaint against this bank, Chase. I've also brought this up with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and lodged a complaint with them as well, but they never responded to my complaint. Please, please, please help me. I am an international student from XXXX. I can not bear this huge amount of loss. Please help me get my amount back from XXXX XXXX ( a scammer ) or Chase Bank. I've got all his information, including my sent amount proof, his address, his phone number, etc. Ive attached a couple of screenshots of the scam and my XXXX XXXX as well for your reference. I can also provide you with a chase outcome document after I complain to them. Please let me know if you need anything else from my side.
Product: Credit card or prepaid card

In XX/XX/2017, Chase closed all my credit cards with no reason given. I appealed the decision and my cards were not reopened. On several of the cards I had paid annual fees for the next year 's service of the credit card. These fees were not refunded to me, even though I not onger had the benefit of using the account.
Product: Debt collection

Hello I am writing this statement and want to say thank you for confirming that the SEQUIUM ASSET SOLUTIONS , LLC is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including the SEQUIUM ASSET SOLUTIONS , LLC. Since the SEQUIUM ASSET SOLUTIONS , LLC decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ). Due to the SEQUIUM ASSET SOLUTIONS , LLC fraudulent actions, this constitutes as aggravated identity theft for knowingly, possessing and using, without lawful authority my identification with intent to commit unlawful activity which is a direct violation of Federal Law and felony pursuant to 18 USC 1028 and 18 USC 1028A.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bank habdling resolutio of the fraud is requesting the document that you have that made you close the case. I can't access it and they say they need it. I have left voice mail for call but so far none haas returned my call. XXXX
Product: Debt collection

Lien Enforcement INC is trying to collect a debt on a vehicle that I have not owned in years. This company has sold this vehicle and now is wanting storage fees for this vehicle that I have not owned for years.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I recently obtained a copy of my credit report and I noticed that your agency showed XXXX credit inquiries that I find to be problematic. The Fair Credit Reporting Act states that only the permissible purpose for pulling a person 's credit report is : XXXX ) A Firm Offer of Credit XXXX XXXX Insurance XXXX ) An Application for Employment XXXX ) A Court Order The first inquiry in question was apparently made by XXXX on ( XXXX XXXX ) and I have no recollection of doing any business with XXXX. 
The second inquiry in question was apparently made by XXXX on XXXX XXXX and I have no recollection of doing any business with XXXX. 

The third inquiry in question was apparently made by XXXX XXXX XXXX  on XXXX XXXX and I have no recollection of doing any business with them. 

The list of the other inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted these companies and Ive contacted Transunion directly and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. They have not removed these inquiries yet and its been over a month! 
Based on my review of my credit reportI believe only XXXX XXXX should be showing on my report. 

PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY, as I am going to be applying for a home mortgage in the near future for my family. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next XXXX weeks. I look forward to having this situation rectified now as soon as possible. 
Thanks for your prompt attention to this matter, XXXX
Product: Debt collection

I believe this is a debt that I disputed in 2009 for cable services. 

I moved to the XXXX XXXX in XXXX of 2009 and asked to cancel my cable service in XXXX. 

I spoke with a representative at the time and was assured that this would be done. 

Sometime later, I was told that I owed for 2-3-4 months of service. ( I no longer have the documentation from this matter. ) I now have a {$140.00}. collection amount showing on XXXX my Credit Reports by MRS BPO, LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments marked LATE in XXXX, XXXX and XX/XX/2019. I was traveling and thought Auto Pay for monthly lease payment was enabled via the bank website. I was informed in early XX/XX/2019 that two payments had been missed and resolved the issue immediately. 
Not a single representative at CHASE was helpful, in the slightest, and my credit has been significantly affected by this error. I have explained that the error was a website issue and there should be some sort of FAIR resolution but they wont even respond to my request. I only recently received a form letter in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter concerning an alleged debt. I requested the original purchase agreement that shows they are the legal owner of this alleged debt and I asked them to include all the terms and conditions that are included in this purchase agreement. It is now XX/XX/XXXX well over the XXXX day period they are required to respond in. Secondly, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX MN XXXX is not licensed to collect debt according to XXXX XXXX XXXX.
Product: Credit card

On XX/XX/XXXX four fraudulent charges were placed on my XXXX account with Barclays Bank. 
Three of the charges were from XXXX XXXX : {$610.00}, {$700.00}, {$690.00} One charge fromXXXX for : {$8800.00}. 

On XX/XX/XXXX I called Barclays and reported the fraud. I have called them numerous times for information. 

The charges from XXXX XXXX have not been removed although I was told they would be removed no later than XX/XX/XXXX. Barclays sent me a new card. The dispute remains. Barclays has not contacted me to discuss.
Product: Checking or savings account

XX/XX/XXXX Was calling in since they closed my account down for fraud - was speaking a XXXX at the time, during the convo she said we need to open a new account, We were doing that all of sudden she stops and says " I am no longer allowed to speak to you please take your ID Into a local branch and verify you are XXXX '' I asked her what the heck happened she refused to speak to me. 
I asked to speak to a manger, XXXX said the info I am getting is not adding up. Everything I said was adding up. It is the fact that I am a XXXX and my voice does not match the correct pronoun, because of this they locked me out of my account. Because of my voice, this is 2020 I should not have to disclose personal private info about my gender to a phone rep and have my account locked because of this! I am so dishearten by this bank that I am 100 % switching on Monday. 
Disclination at its finest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt not apply for XXXX XXXX XXXX account Im seeing three accounts with one single application on my credit reports and one is open with {$980.00} balance and another one is closed due to lost and stolen card and last one which is {$1200.00} closed with past due. With experian and three accounts with XXXX Im asking for these duplicates accounts to be remove off my credit bureaus this is a fraudulent application
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting opened date and payment history in this account XXXX XXXX wrong, since this is inaccurate reporting please remove it from my credit report.