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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX NC XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I started and paid for my quote with XXXX in XXXX for my policy to start in XXXX. My final month with XXXX was in XXXX because they tried increasing my insurance from {$230.00} to almost {$370.00} a month. I advised XXXX XXXX when making the payment that XXXX would be my final month and I have already started service for XXXX with XXXX. I do not owe liberty mutual a dime and the collection needs to be REMOVED from my credit file indefinitely! These practices are unethical and it is wrong to charge someone for services they canceled and paid their final charges. Please remove this account from my credit report! I submitted a dispute on the account and submitted the evidence and Transunion finished my dispute within 2 days and stated the items have been verified which is incorrect! How can information be verified in 2 days? This is my credit and my life that is being compromised! I DO NOT OWE XXXX XXXX A DIME!
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

Details are as follows : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers : XXXX XXXX  XXXX XXXX XXXXXXXX, Employers : XXXX Employers : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information that another credit reporting agency found inaccurate and had removed it. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Student loan

I have called Neltnet multiple times asking about the amount owed, when my due dates are and the information I received has never matched my statement. I have asked to speak with supervisor 's and they tell me different information that still does not match with what my statement is saying. This is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint against XXXX case # XXXX regarding XXXX XXXX acct XXXX XXXX that is on my credit report. Just take a look at the documents I have attached from both XXXX and Experian. None of their reporting is accurate and dont even match! This is unacceptable! This is where you can tell there was NO INVESTIGATION! I should get legal representation because According to XXXX response as I am quoting Please be advised that an internal review was completed and results were mailed to you. We hope this resolves your concerns. I never received any results or any response about the accuracy of the XXXX XXXX acct or investigation and steps that were taken to verify this acct! XXXX XXXX Another violation based on the last reported date on this XXXX XXXX # XXXX the last reported date of activity was back on XX/XX/XXXX I live in the state of Florida and the statue of limitations is 5 years! This acct is well over 7 years. There is no date of delinquency, pass due amount=XXXX  reported balance=XXXX  This is a clear violation/s. Its been over 35 days and no response either by mail or phone calls from either party this includes XXXX XXXX, XXXX, Experian or third party collections! Please provide detail results of how the investigation was conducted by whom and supporting documents that this account is accurate! If not please delete this acct from my XXXX and Experian Credit Report. Thank you
Product: Credit card

On XX/XX/2024 I found my trucker was leaking oil so I was looking for the body shop to fix it. I called the body shop and they said I need to pay first then they could waited me so I driver my trucked to their shop by my own ( no tow service )! When I got the body shop they said no parts so cant help to fix so I asked them to refund my payment but declined because no services provided to me. The guy in the shop only took XXXX mins to check my trucker then on his call about XXXX mins! Thats their services? When I left the body shop I called my bank WELLS FARGO go dispute this charge. This morning XX/XX/2024 the banker said they asked the business said thats their business policy so couldnt refund my payment! IT IS TOO RIDICULOUS! No service provided then charge me over XXXX XXXX XXXX!! Seriously? And the bank close my claim! Should the bank needed to be protect customers right? 
I have to complain with CFPB to get my money back because no service provided at all! 

Please see on the receipt it says call out fee ( actual we drove to their shop by our own ), shop supplies ( they said no parts ), labor fee ( no service ), service fee? It charged me {$450.00} The Wells Fargo claimed number is XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an American Express debit gift card in the amount of {$250.00}. As soon as the card was activated at the cash register, there was a pending transaction for {$240.00}. and some change at a restaurant in XXXX XXXX  New York. I called the number on the back of the card and when I finally got a representative named XXXX, she told me that they can't stop a pending transaction and said to call back in a few days. I called back on XX/XX/XXXX and the representative told me I'd have to call that restaurant. I knew that wouldn't do any good. I am out the {$250.00}. on this card and it sure would be nice to get my {$250.00}. back. I live in Tennessee and purchased the card in Tennessee. The transaction was in XXXX  NY. The card number is XXXX XXXX XXXX. Expires XX/XX/XXXX and the code is XXXX. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Experian remove false information
Product: Credit card or prepaid card

In late XXXX, XXXX, I had a credit of {$.00} on my credit card account with Bank of America. I've had this credit for at least, 6 months. All of a sudden, the credit disappeared. I assumed, the money would be issued in form of a check or receive some correspondence of what happened to the credit. I contacted BofA ( XX/XX/XXXX ), to inquire what happened to the credit. The associate checked and verified that they did " not '' issue a check and attempted to research what actually happened. They could not explain what happened to the credit and would put in a request for it to be returned to the account. I called again ( XX/XX/XXXX ) and was told, it could take up to 10 business days for it to be returned to the account. I called again ( XX/XX/XXXX ) and was told, it will take up to 10 business days ( from today XX/XX/XXXX ) to receive a response by mail, to explain what happened to the credit. There are several things disturbing here : Why was it taken? Why is it taking so long to return the credit ( it's be more than 11 business days )? Why do I have to wait, for up to, another 10 business days for a written response? My concern is, this is a hidden business practice of " stealing '' money from unsuspecting customers and hoping they don't notice. I understand, this is a small amount of money but, if you multiply it by millions of customers, it can add up. It's the principle, not the amount of money!
Product: Checking or savings account

So, bank of america charged me {$35.00} for three times and it's on XX/XX/XXXX 2 times and on XX/XX/XXXX. That comes to a total of {$100.00} and when I called the bank they said that they couldn't taken off the fee and I tried to explain my situation here that I didn't do those transactions and that is why when my balance were already low, and the transactions amount are higher than my balance, then BoFA charged me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed to be in error. Pursuant to 15USC1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave you, XXXX XXXX, Equifax, XXXX, or XXXX, any written instruction to furnish any information on my consumer report which is a violation of 15USC1681b. 

Your agencies have caused severe stress and anxiety due to the abusive and unfair practices.
Product: Debt collection

A collection notice sent to my home address on XX/XX/XXXX to the amount of {$610.00} i contacted the company named Midland Credit Management ( MCM ) they informed me that a credit card was taken out in my name in XXXX. I then went on to explain to them i have no idea about to card nor have I ever used a card from XXXX XXXX XXXX the teller then asked me about the card including my address where the card was previously residing I told him that i was renting a room and who i was sharing it with. He then informed me that in order to get it removed from my account I would have to file a police report and send it to their address. I preceded to contact the police precinct in my district which the told me that they don't handle identity theft I have to contact the IRS there they told me that i have to contact you.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report Urgent Correction Request I am writing to formally dispute inaccurate information reported on my credit file regarding the XXXX  XXXX account ( Account # XXXX ). My credit report incorrectly reflects late payments, which is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 
Errors Identified : 1. My payment history incorrectly reports late payments for XXXX, XXXX, XXXX, XXXX and XXXX, despite the fact that all payments have been made on time. 
XXXX. The reported information contradicts records from the creditor, who has confirmed that there have been no late payments. 
Legal Basis for Dispute : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits the inclusion of obsolete or inaccurate information in credit reports.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information. 
Given these inconsistencies and the attached evidence proving my payments have always been timely, I demand that Experian immediately correct these errors and update my payment history to reflect all months as " On Time '' where incorrect late payments have been reported.
Product: Credit card

On XX/XX/year>, I was XXXX XXXX XXXX XXXX XXXXrom XXXX to XXXX. We stopped by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The merchant charged us {$64.00}. I handed my Chase Sapphire credit card to him, while one of my friends paid {$65.00} in cash. The merchant accepted the cash but never provided us with a receipt. 

On XX/XX/year>, I noticed a charge of {$940.00} on my credit card from XXXX XXXX XXXX. I assumed it was the food truck vendor, so I returned to the location. However, when I arrived, a different person was working. He didnt know anything about the charge and refused to provide me with a copy of the receipt for the {$940.00}. 

After returning home to XXXX, I called Chase to dispute the charge. However, the disputes department kept requesting proof of the receipt, even though I explained that the merchant never gave us one for the cash payment. I told them I believed this should be handled as a fraud case, but they said it wasnt fraud because I knew the merchant. I also asked if Chase could contact the merchant to provide a copy of the itemized receipt with my signature, but they said they couldnt do that. Instead, Chase asked me to go talk with Merchant. I told them I'm in XXXX, and this happened in XXXX. Chase insisted that without proof of the receipt, they couldnt dispute the charge, and it feels like they are holding me responsible for the merchants failure to provide a receipt.
Product: Vehicle loan or lease

On XX/XX/2018 I inquired about a vehicle from XXXX XXXX, XXXX XXXX. I told the sales person XXXX that my credit union was giving me an 8.49 interest rate " Oh I can do better '' said. The car I wanted at first all the sudden became " unavailable ''. I don't know why, so by the time I left they had given me a XXXX month payment at a really great rate. I returned on the XXXX to pick up the car EVERYTHING HAD CHANGED. I WAS LIED TO AND MISLEAD. I wanted my car registered in XXXX where I primarily reside, I was told they could not sell me a car unless I surrendered my XXXX DL and registered the car at the address I was residing in XXXX and plus it would cost me XXXX more to register in XXXX. I LATER FOUND OUT FROM THE STATE OF XXXX AND XXXX ALL THAT WAS A LIE. Since I have complained to numerous managers there, they are refusing to fix a driving mode change and another button on the console they have just left me hanging, I have only had the care barely a month, I told them about this timely and I purchased an additional warranty. The got my title and registration WRONG AND REFUSE TO CHANGE IT THOUGH THEY CAN SO I HAVE TO CANCEL MY VACATION AND DRIVE TO XXXX AND RESOLVE WHEN THEY CAN DO IT AND REFUSE. I DON'T SEE THEM TREATING ANY OF THE CAUCASIAN CUSTOMERS THEY WAY I HAVE SEEN THEM TREAT MYSELF AND OTHER XXXX AMERICANS. They did not fill out my paperwork for any tags and registration, A XXXX XXXX from Sales department literally chased me down in the community on Sat. XX/XX/18 to have me sign papers for my tags, title registration and I ask then to have it for XXXX he said I had to sign those FIRST for him to resolve anything I did, he was to get back with me on XX/XX/18 he did not. These ppl have lied so much I can't keep up now I am stuck with not being able to get tags because the paperwork has not been done. They charged me XXXX for this service to make sure done timely and right, AND IT WAS NOT, I WANT THAT MONEY BACK CAUSE I GOT PAY DRIVE TO XXXX CAUSE THE CAR HAS TO BE THERE PHYSICALLY TO RESOLVE. I AM XXXX ON XXXX XXXX AND THIS IS A GRAVE HARDSHIP FOR ME. THEY ARE JUST DOING WHAT EVER WITH NO PROCESS AND NO COMPETENCY AND THIS HAS GOT TO BE A PROBLEM NOT REGISTERING MY CAR PROPERLY. IVE BEEN DRIVING FOR OVER A MONTH AND DON'T LEGALLY OWN THE CAR FOR REAL, THEY GOT THE MONEY AND I AM STUCK. I left messages for the owner of XXXX XXXX a XXXX XXXX, General Sales Mgr. XXXX XXXX and Asst Service Manager XXXX XXXX. I have not hear back from anyone as we speak and IM TIRED OF CALLING THESE LIARS!!!!. I SHOULD BE ILLEGAL FOR THEM TO PRACTICE THIS WAY. I DON'T BELIEVE THEY DO THEIR CAUCASIAN CUSTOMERS THIS WAY.
Product: Credit reporting or other personal consumer reports

I am locked out my XXXX account I tried to reset password online and nothing works. I try to call the company over the phone and it will not allow you to speak to someone. The automative system does not allow you to pick a representative. From a XXXX XXXX party website I can see incorrect information and I cant even dispute it get through to XXXX XXXX  XXXX XXXX was paid and should be deleted. 
XXXX was paid and should be deleted. 
As well as the XXXX days late updates it was XXXX and they had a waiver program.
Product: Student loan

I enrolled in Auto-Pay with Mohela before the federal pause on student loan repayments was lifted, but the auto-pay didn't work. Myself and thousands of others are now " delinquent '' on our first payment because Mohela failed to notify borrowers that the auto-pay wouldn't work until 2-3 billing cycles. Unsure if this will have an impact on credit reporting because its takes 5+ hours to speak to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got unauthorized inquiries on my report that has no purpose to be on my credit report 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting ogency 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 yeors.

15 U.S.C. 1681s-2 ( AJ ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable couse to believe that the information is ineccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case XXXX XXXX  XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXXXXXX  Inquiry dateXXXX XXXX XXXXXXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX  XXXX, XXXX Removal XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry XXXX  XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amount : {$800.00} Original Creditor : XXXX XXXX XXXX Company : XXXX. XXXX, XXXX I asked for proof within thirty days or please delete this item off my credit report as soon as possible and No action was taken.
Product: Credit reporting or other personal consumer reports

I had an XXXX XXXX XXXX  that took out a lot of loans and credit cards in my name. I reported him to the police department. I have a police report. Ive submitted to the reporting companies as a collection on my file for {$14000.00} and its also a credit card for {$15000.00} under my name that I have no knowledge of it not my file is not my card. Its not my account and I need it removed off my credit report immediately.
Product: Money transfers

I attempted to wire transfer the remaining balance for a XXXX to the XXXX company from my branch office at BBVA compass on XX/XX/2016. Wire transfer paperwork indicated funds available on XX/XX/2016. On XX/XX/XXXX when the funds had still not arrived in the recipients bank account, I requested a trace through BBVA. At this point BBVA still does not know where the money is, and can not produce any proof that the money has been transferred from the intermediate bank to the bank in XXXX XXXX. BBVA Compass system for tracing the money is almost guaranteed to be non-productive. I have spoken to the wire transfer department twice on the phone, to be told on each occasion that they are not allowed to tell me anything - that I must speak to someone at my branch office. I have spoken to a branch associate every day for the last 7 business days, and while she has been very polite - she is not capable of doing anything any more that sending a request to the same wire transfer department that is not allowed to tell me anything and wait for them to resolve the issue and revert back to her with an answer. I have spoken 4 times to my personal banker that BBVA Compass assigned to me, and the only assistance that the personal banker is able to offer is that this will be resolved, but she is unable to perform any more research than the branch associate. Yesterday I met with the VP of the branch that I bank at with the same results. The VP of the branch indicated that it would n't matter whether I spoke to her boss, or her boss 's boss, they would all be dependent on the wire transfer department to resolve the issue. The intermediate bank is XXXX XXXX XXXX, and none of the personnel from BBVA that I have spoken to has ever picked up the phone to speak to a representative at XXXX XXXX and secure a copy of a confirmation that XXXX XXXX has forwarded the money. 
The current steps that the bank are taking are to try and retract the money back to my account. The system for retracting the money is to send a request to XXXX XXXX to be forwarded to the original destination bank to request to get the money back. Given that BBVA has no idea if the money is still at XXXX XXXX or lost at the destination bank, and is unable to show any proof or confirmation documentation of where the money is other than not at BBVA, I dont have much faith that I will ever receive this money again, or ever learn of its final destination. 
XXXX - there should be a better system in place to ensure that banks that make international wire transfers should have to be accountable for knowing where the money goes.