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

The amount owed is incorrect and has not been updated and XXXX XXXX continues to not update the correct amount due. I have tried to make payments on this account but was told I could only pay in full and that the IRS would get a report from them on me. This was in XXXX of 2018.
Product: Credit card

God Day, My Name is XXXX XXXX XXXX and I did not make any purchase with this card. I was XXXX XXXX from XXXX, and Suffer from XXXX from the XXXX XXXX and suffer with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, serving in the XXXX XXXX, I was being taking care of by family memebers, and They took advantage of me, while I was on XXXX XXXX XXXX. I very sorry, that it happen, but Im still here and I would kindly ask for your company to remove the financial Detriment from my credit report, It's hurt me and My family. 

Capital ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XX/XX/year> To : XXXX, XXXX, and XXXX Subject : Formal Complaint Regarding Violation of Consumer Rights 15 U.S.C. 1692g Dear Credit Reporting Agencies, I am writing for the second time regarding a serious violation of my rights under 15 U.S.C. 1692g, as you have collectively failed to address my previous complaint in a timely and proper manner. My initial complaint, which dates back over 60 days, has not been resolved. I am certain that 60 days is more than enough time to request and review the information I have already provided and can provide yet again, if you deem it absolutely necessary. 

It seems that the first 60 days was spent asking me to verify my identity, as if the extensive documentation I already provided was insufficient. How shocking, given that a simple look into your own records would have confirmed the information. But I suppose we must go through the rigmarole of further verification for your peace of mind. 

Please be advised that this delay is unacceptable and constitutes a clear violation of my rights as a consumer. Under 15 U.S.C. 1692g, you are obligated to act within a reasonable time frame. I urge you to address this complaint promptly. If further proof of my identity is required, please let me know exactly how many times I need to confirm that I am indeed XXXX XXXX XXXX. 

Thank you for your anticipated cooperation. I look forward to seeing how long it will take to address this simple matter this time around. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This collection XXXX  started appearimg om my credit report this month. It states it was a collection from a XXXX Bank Indigo  Mastercard that was opened in XX/XX/XXXX and regerred to collections in XX/XX/XXXX. I never opened any credit cards on or around this time. I comtacted Imdigo Mastercard and was told that they have no record of any account in my name for this time period.
Product: Payday loan, title loan, personal loan, or advance loan

2 months ago I requested a pause for the loan due to unemployment, my request was denied, on their system they charged my bank every two weeks and always got money, one day they sent back my auto payment saying it was not complete, I had the money in my bank, we can go to court with the dates and transaction history, this was two months ago, since then they have been predatory towards the loan and none of my payments have gone to the principal of the loan, they have been stealing my money every two weeks and not paying towards my debt. Ive reached out multiple times for resolution but hey are saying I need to keep paying and are not offering any type of relief. Due to my financial crisis from the situation Ive had to call again to pause and I called my chase bank to stop them from taking payments with no principal effect. The nature of this loan is demonized towards stealing from younger people in financial crisis. I would like to pay fair and square and Ive already paid all my finance charge. Id like them to either pause the loan or give me a one time payment I need to pay without taking installments, nowhere in the loan agreement did it state that they would charge me and not charge towards principal
Product: Debt collection

I got a notice on Friday stating I owed money for medical bills. It went from XXXX to over 1200. What was a simple blood test, turned into a huge loss. I called Monday morning to make a payment. I paid XXXX to them. Tuesday morning I woke up to see my bank account drained. I called my bank who stated it was the collection agency. I only authorized the XXXX to be paid. They took everything I had without any legal authority.
Product: Student loan

Group ID : XXXX Payment Amount : {$360.00} Payment Effective Date : XX/XX/2023 Date Payment Authorized : XX/XX/2023 Above is from the email confirmation from Nelnet regarding an online payment. I made a payment on XX/XX/2023 to loan account XXXX For approximately 20 days and 2 phone calls to Nelnet Customer Service regarding why the payment has disappeared from their website. No record of the payment exists on their site, but I have bank statements of the money being taken out of my checking account posting on XX/XX/2023. With an email confirmation as well. 

Today on XX/XX/2023 I checked and found the payment incorrectly applied to the wrong loan, in this case loan account XXXX. They are misappropriating my payments to the incorrect loan in their care. My goal with this payment is to payoff interest accrued on my loan account XXXX. They make this impossible. 

I will contact customer service for a 3rd time regarding this payment over the span of 27 days since I scheduled the payment. 

It is very difficult to pay back loans if I have no control over my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Agreement the Fair Credit Reporting Act XXXX with the Accounts : XXXX. XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights.

By the law under 15 U.S.C 1681 section 602 : states I have a right to privacy & 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent.
Product: Checking or savings account

My atm/XXXX  was in my possession was not lost or stolen and US Direct Express Debit Master card issued by Comerica Bank XXXX Notified them on XX/XX/2022 of unauthorized electronic transfers from my account. I did not notice the money was missing until I tried to make a ATM withdrawal on that day. Direct Express said they would send me a new card and paperwork to fill out within 10 days and be provided a provincial credit if I returned the forms within the 10days. I did not receive the paperwork to fill out for the fraudulent activity until XX/XX/2022 which was 15-days and went to fax the documents to XXXX  on XX/XX/2022 but it would not go through and was going to cost me {$31.00}. I called XXXX  and they said I could email the documents, ( I asked if the documents could be emailed to me to fill out on XX/XX/2022, but they can not email me, I can only email them ). I sent all the documents they requested back to them on on XX/XX/2022. I called to find the status of my claim 10 days, 20 days and was told it was still under investigation. Needless to say I was never given the provincial credit nor was the amount on the initial documents for around {$600.00} less than the actual fraud on my account. Before I received a answer on my claim XXXX  sent me their brochure stating they were required to send me one every year, which I never received until now. My claim was denied via mail with out explanation 45 days after I filed. I disputed the decision and was told it would take 48 hours to get the answer. On XX/XX/2022 I was told my claim was still denied. I am a representee of a XXXX XXXX  child, and he lives on a very limited amount of money ( {$560.00} a month ). Direct Express allows someone to steal over {$800.00} out of his account which is in my name via XXXX XXXX  in the increments of {$2.00}, {$4.00}, {$9.00}. One would think if I have never paid a XXXX XXXX anything let alone spend every cent in my account this is fraud. This is not the first time Direct Express has allow a unknown entity without my card to steal money from me, it was not with XXXX XXXX  but XXXX XXXX last year. I can not see how when a person steals money from Direct Express via my account they hold me accountable. They actually let some one steal money from them, I should not be held accountable if they have a security breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report indicates that there are XXXX delinquents as of XX/XX/XXXX from Ocwen Loan Servicing : accounts XXXX and XXXX. 

My records indicate I no longer owned the property as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is actually very simple. We have two credit cards. a personal card with a credit limit of {$19000.00} and a business card with a limit of {$29000.00}. This gives a total credit limit of {$48000.00}. Each month our total balance for both cards is approximately {$10000.00}. Both XXXX and Transunion, according to XXXX XXXX, calculate the balance to limit ratio and If this number is over 30 % it is a " high impact '' factor for determining the credit score. This would be fine except that each month the " limit '' number used is shown as {$19000.00} instead of {$48000.00}. The " balance '' number used is always the sum of that of both cards, usually around {$10000.00}. $ XXXX {$19000.00} = 51.3 %, well over the 30 % guideline. The actual number should be, of course, $ XXXX {$48000.00} = 20.6 %, well under the guideline. It should be noted that we pay each card off completely every month so that in reality our " balance '' is XXXX. We haven't paid any interest charges in years. In any case I would simply ask that the proper number showing the sum of the limits of both cards be used in the calculation. The system for resolving disputes with these companies is very opaque and seems to allow only the most determined to make any progress. Thankyou for your kind attention in this important matter.
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : CREDIT COLL XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a drop in my credit score on XXXX. After investigation, I found that there was report of a credit card from Barclay 's Bank for which I owed XXXX dollars. I have no knowledge of this credit card or the XXXX dollar purchase. 
I disputed this with XXXX and they reported that the card and charge was verified. How could this be verified if I have never owned a Barclay 's Bank credit card?
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Illegally Removed My Positive Account XXXX  # XXXX from my credit report they claim I said the card was not mine which is a 100 % Lie I dont have any issues with the XXXX  or XXXX reporting my account every month. 


I spoke with XXXX  XXXX  XXXX  Who handles the account and was informed they send updated account information every 3rd of the month And TransUnion is Blocking the account they have Tried numerous times to get my account reinstated with TransUnion and they have yet to do so. 

This is causing me financial harm by it not reporting to my TransUnion account my credit score is not being adjusted properly. 

I have had this account for 4 years with no issues TransUnion needs to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report on both the XXXX XXXX XXXX XXXX XXXX, it is being reported that I have 2 accounts open with BJs club, one for the amount of {$7700.00} and another for the amount of {$7500.00}. This information is incorrect as I only have one account open with BJs with a current statement balance of {$7400.00} as of XX/XX/26 but its being reported as 2 total accounts.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, FL, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL, XXXX ; XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00} ; XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I left apartment in XXXX and paid all amounts whichever they said but after 2 months they send me letter that you have left over amount when i went there they they remodel the apartment and i have to pay that amount and they said we send you ketters which I didnt receive any kind of letter then I contacted the debt company i told them I didnt receive any letter they said they dont know you have to pay that but when i left the apartment everything was good but they lied to me they said it was broken when i asked them for pictures or any proff they didnt provide me nothing.so I request to you please take remove this debt from my account which I dont own. 
Thank you
Product: Checking or savings account

Hello CFPB I recently applied for a Premier Checking account with XXXX XXXX XXXX. The account was approved on XX/XX/XXXX. I then deposited XXXX dollars into the account and had no further activities since the account was approved. I found out yesterday that I can no longer access my account without any notice or explanation from HSBC. 


I called customer service today on XX/XX/XXXX and was finally told that due to " rules of deposits '', HSBC has decided to close my account with no further explanation or possibility to resolve. I can not possibility imagine that depositing XXXX dollars into my HSBC account has violated any rules for deposit or wronged the XXXX XXXX. Note there is absolutely no requirement for minimum balance level, and my account was already properly approved. I had absolutely zero activities since my initial deposit of XXXX dollars. 

Further, when I called customer service, the client relationship manager refused to have me talk a manager and informed me that HSBC is unlikely to do any business with me in the future! I mean I am now banned from opening any accounts with HSBC. If they don't want to do business with me, they don't have to approve my account in the first place. 

If HSBC is so negligent and improper for dealing with US customers, I sincerely hope their Charter be reconsidered for this country. 

Best, XXXX XXXX XXXX
Product: Credit card or prepaid card

I got to myself into some debt and asked my friend to help me. He did a balance transfer from his citi bank credit card to my Ally Bank Ollo Mastercard. Ollo decided that the transfer was fraud. They closed my account, reported the fraud, my credit score has gone down and they have kept the nearly XXXX XXXX dollars. I don't have the money, my friend has not gotten the money back either. 

I call Ollo every day, and every day I get a new excuse. We have provided them with all the documents that I will attach. We told them to simply call XXXX bank and authorized them to do that. They won't read the documents, they won't call XXXX Bank, they won't transfer the money back to my friend XXXX. They could simply call XXXX and verify? They won't do that either. 

They have stolen our money and called us the thieves. 

The stress has actually caused me to break out in XXXX.
Product: Mortgage

A credit report was requested and Real Time Resolutions was reporting an account opened and currently past due. I requested several things directly from Real Time after disputing with the bureaus and this was not resolved. I am sending a copy of the letter that was sent to them along with their response. What was requested was not a print screen but complete information. Their response is unacceptable as I 'm sure anyone would agree.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, THE ACCOUNT ARE BEING DISPUTED DUE TO THE ACCOUNT BEING INACCURATELY PLACED ON MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE.
Product: Debt collection

Hello, I have submitted multiple disputes to XXXX, made multiple calls to United Collection Bureau, as well as tried to resolve this issue directly with XXXX XXXX XXXX to no avail. This issue has been resolved with XXXX and XXXX with XXXX refusing to make the appropriate changes. 

XXXX XXXX XXXX improperly reported me to United Collection Bureau without seeking to collect payment from me directly. Upon calling XXXX XXXX XXXX, they have no record of ever sending a bill via mail or email. They only have a date in which they created a statement. 

After numerous calls with XXXX XXXX XXXX, they refuse to investigate the situation citing that this case has already been turned over to United Collection Bureau. They refuse to produce any record that they ever attempted to bill me for my services and simply state the this has been turned over already and is out of their hands. 

United Collection Bureau insists that XXXX XXXX XXXX has the burden of remedying this situation and that they are only the reporter. 

In talking to XXXX and filing multiple disputes, this bureau continues to somehow find that the improper reporting of the delinquency is valid despite XXXX XXXX XXXX having no records to support. 

That said, United Collection Bureau should be removed from my report. The account is closed, paid, and was improperly created as the result of fraudulent practices by XXXX XXXX XXXX. 

Thank you, XXXX XXXX ( XXXX XXXX Service Date : XX/XX/2020 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
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/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. After reviewing my credit report from TransUnion, XXXX, and XXXX, I noticed the following inquiries that I do not recognize and did not authorize : [ List of Inquiries ( include company names, dates of inquiry, etc. ) ] I request that these inquiries be removed from my credit reports as they were not authorized by me. To resolve this matter, I would appreciate it if you could investigate these inquiries and take the necessary steps to correct my reports with the credit reporting agencies.

Attached are copies of my credit reports showing the disputed inquiries, along with identification documents to verify my identity. Please let me know if any additional information is required to process my request.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX, I got XXXX XXXX  XX/XX/XXXX. XX/XX/XXXX I started having issues with the car. I was reassured that the issues were because the car has been sitting for a while. Anyways the issue continued. I let them know. Didnt get a response so I was told it was the brakes so I paid to get them replaced. This wasnt even 30 days into having the car. After that the car wobbles when I turn and makes a noise.. this is early XXXX. Im thinking its the tires. I replace the tires and get an alignment {$1200.00}. A few weeks go by ( Late XXXX ) and the waddling is back, there is a loud noise when I turn and its time for my oil change so clearly its NOT the tires. I call XXXX and they tell me itll be a month before they can do any service. I didnt want my engine to lock up. I pay for an oil change. ( XXXX ) I wait a month ( XXXX ). They had my car XXXX weeks and say they replaced the brakes and fixed the waddling but Ill need an alignment. ( {$290.00} If they do it ) Why not align it already? The car has been having this issue from the jump. I got it aligned at XXXX. I just purchased tires from them not too long ago so its included. I got my car back and the back was indeed fixed HOWEVER. All the issues I had in the back are now in the front. EXACTLY the same issues. The front was PERFECT. I have an ALL WHEEL DRIVE car so I KNOW all they did was flip the car parts underneath. Ever since I got this car, Ive had issues. Ive been putting money into this car from day one. I have fell behind on payments because its IMPOSSIBLE to pay for repairs and rent and car insurance. I cant make payments AND pay for repairs. I have reached out to Mercedes sent them the screenshots, bank statements confirming me paying for repairs, I do not want this car anymore. I wanted to trade. Now they wont finance it because my credit has fell behind due to this issue particularly. They wont resolve the issue do a payment deferred. Swap the vehicle out NOTHING. I traded my car in for this one so this is my ONLY means for transportation. They are XXXX up XXXX. Ive already reported them 6 times to the XXXX. They need to be shut down immediately I called XXXX financial and they said they wont accept any payments from me except the XXXX  XXXX full pay off amount THEY SOLD ME A BAD CAR AND THEY KNOW IT! Now the community needs to know it! I WILL SUE AND ILL LEAVE WITH MORE THAN WHAT THE CAR IS WORTH ESPECIALLY FOR THE PAIN & SUFFERING IF WE CAN NOT COME TO A RESOLUTION