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

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX, XXXX, AND XXXX XXXX BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND XXXX AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Credit card

In XX/XX/year>, I received a bill for {$65.00} from my Amazon credit card for a purchase that I did not make. I filled out a dispute and I thought that the dispute was solved in my favor. Yesterday, I found out coincidently, that my balance was {$180.00}. I called to check where this balance came from, I was told that the balance was from the initial charge in addition to late fees and interests. The credit card had not updated the status of the dispute and they never notified me about their decision but they kept adding late fees. I tried to settle the issue with them by paying the initial charge which I was not responsible for it but refused to reach any agreement. It was not my fault not knowing about their decision otherwise I would have paid the amount in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some account I had previously disputed. However, I have still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

On XX/XX/2022 XXXX XXXX remitted payment to me XXXX XXXX XXXX ( XXXX ) and my single member LLC, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) in the amount of {>= $1,000,000} ( XXXX XXXX XXXX Dollars ). The payment was received by Wells Fargo into my correct account XXXX but at an incorrect amount of {$0.00} ( XXXX Cent ), indicative that bank personnel affected an offsetting net-zero debit transaction to steal the funds and eliminate the reporting requirement for the transaction, but did an inept job of even theft leaving the telltale {$0.00}.
Product: Consumer Loan

I purchased a vehicle 1 year ago the vehicle in the past 4 months now has been having start issues thinking it was something wrong with the car I spent money trying to fix it i then took the car to a mechanic shop who determined it was the past time sensor. I took the car to get a second opinion who also determined this. I contacted the company about 1.5 months ago to get this fixes the Company since then has been giving me the run around saying the company they use is based in Florida and have to call around to get an installer in my area. I asked the manager who I have been dealing with XXXX what would happen to the repair bills, tow bills, and lost of work they stated that they could not give me an answer from there it has been call after call with noone to help and everyone XXXX me around with no answer i finally took it to the place the recommended and the gentleman said he could not recreate the problem because the module had been disconnected for so long. I explained this to the bank so because of all the trouble said they would defer 1 payment for me i did n't realize what she meant because she was making it seem that they would cover the payment vs reimbursing me. I have every conversation with this Company and they are very unresponsive, rude and do not want to reimburse me OR help me with the situation.
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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please remove the accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting

I keep an eye on all XXXX because I 'm in the process of buying a house. After monitoring my credit profile with all XXXX bureau, on XXXX XXXX I check my Equifax report everything was fine, I rechecked it on XXXX XXXX my score fell XXXX points without any negative activity whatsoever besides making all my payments on time and all balance decrease. After speaking with XXXX representatives they said theres NOTHING they can do about it.
Product: Credit reporting or other personal consumer reports

This is my numerous requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I did a Wire transfer two months ago with Bank of the West for the amount of XXXX Then a few days later they call me and asked for more information to complete transfer so at that time I asked them to refund the money back since it was to much of an issue then the person that was dealing with this transfer told me that they still wanted the other person info if not they were not able to refund my money back so two weeks ago provided the information that they requested but still no refund
Product: Debt collection

To Whom It May Concern, I am writing you in regards to CFPB complaint # XXXX. According to United States Code 15 USC 1601. Be advised, Congress is aware that economic stability would be enhanced and the competition for consumer credit transactions would increase throughout financial institutions, which means my credit is needed. The goal of Congress is to ensure that all consumers, such as myself are aware of the proper use of credit and to know how to avoid the uninformed use of credit and to protect consumers against inaccurate and unfair credit billing and credit card practices. XXXX XXXX, I made an uninformed decision to enter into a consumer credit transaction with XXXX XXXX XXXX I made an uninformed decision to enter into an agreement without knowing the meaningful disclosure of the credit terms. Pursuant to Blacks Law Dictionary ( XXXX XXXX. 2004 ), an agreement is, a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was given a generic computerized agreement that is given to all consumers who enter a consumer credit transaction, without clear and conspicuous terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision, this debt becomes null and void. I, the consumer and natural person did not receive a printed adequate notice. Pursuant 15 USC 1602k. The adequate notice is to give me the pertinent facts clearly and conspicuously so that I had noticed and understood its meaning. XXXXXXXX XXXX XXXX had the choice of printing the notice, giving it to me on each periodic statement, or by other means to assure I was in receipt of the notice and I did not receive either. As a result of deception of this one-sided agreement, your institution shall remove any derogatory remarks. XXXX XXXX XXXX has already updated the account to a {$0.00} balance after making them aware of initial violation of reporting on my consumer report as a charge off which you all are still in violation of. XXXX 's ( canceled debt ) is defined as XXXX. XXXX does not go on a consumer report. You also stated that you mailed me something but did not verify my accurate mailing address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX there is no other verification needed for my mailing address as I just provided it to you in this complaint. I have also attached complaints to attorney general. I expect to hear a response from you all within 15 days. Best Regards, XXXX : XXXX ' Without Prejudice. All Natural Inalienable Rights XXXX.
Product: Student loan

Enrolled in auto payment and somehow still have a payment that is past due. Should be totally impossible to have past due payments if enrolled in auto payment.
Product: Mortgage

XXXX. I am told that PennyMac is obligated to return all monies in my escrow account within 21 days. I called PMac last week and was told the check was sent on the XXXX or XXXX of XXXX. I called PMac today and advised them they were in violation of the law as it is now 30+ days since closing. I was put on hold for about XXXX minutes after telling the rep I wanted the check Sent by XXXX. I was then transferred to a voice mail where I repeated the problem and again requested the check which is for about {$400.00}. Your aid is requested and it feels good to have a place to go to when people with wobbly business practices display their contempt for us. Thanks!!
Product: Vehicle loan or lease

So in reviewing my loan with Wells Fargo, after paying on this debt for 5 years, I see this was a Consumer Credit transaction in which I never received cash in hand. I was charged a XXXX XXXX charge, total sale was over XXXX more than the amount of the vehicle which was XXXX ending Total sale XXXX. Why Am I still paying this debt. After viewing the 15USC 1692F -G a couple of Consumer laws have been violated here. Please review this account for its validity in consumer violation laws being broken. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX Account # 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 an account without my written instruction. 

The accounts that have violated my rights, will not share the information with me such as where the account came from, or account numbers are as follows. 

XXXX XXXX XXXX. they have harassed me and don't even show that that they were charging my card payments. 

XXXX XXXX, I made no written agreements to add this to my credit reports. 

XX/XX/XXXX I made no written agreements to add this to my credit reports. 

XX/XX/XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XX/XX/XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports.
Product: Debt collection

1. Caine & Weiner has been harassing me by phone, text and email. 
2. Caine & Weiner is attempting to collect on an alleged debt that is not my obligation. 
3. Caine & Weiner DID NOT provide to me the notice of debt contents within five days after initial communication with me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute some unauthorized hard inquiries on my credit report. Upon reviewing my recent credit file, I noticed these inquiries. I never gave consent for these creditors to perform a hard pull on my credit report.
Product: Credit card or prepaid card

XX/XX/XXXX I ran a copy of my credit report and realized that Synchrony Bank was reporting three separate inquires that I did not authorize! XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I attempted to send an inquiry to Synchrony asking who authorized the inquires however my letter was sent back as undeliverable. Not only are they reporting unauthorized inquiries on my report, they are also reporting an inaccurate dispute address. 

I did not authorize these inquires and I am NOT benefiting from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was opened XX/XX/XXXX, I have NEVER made a payment on the loan. They falsified payments, stating that I had made a payments in XX/XX/XXXX, I am assuming the reasoning was to keep the account open longer therefore it is still listed on my credit report. The account should have went into collections in early XX/XX/XXXX and should be removed from my credit report within 7 years, however, because they falsified the payment history the account remains long past it's time. I have disputed this information with all three credit bureaus numerous times and XXXX keeps stating " dispute resolved, customer disagrees '' but they have not changed any status on payments or provided proof of payments.I have been fighting this false information for years and I am unsure what to do in order to get results and have the correct information reported. Also, the loans ( 3 ) were sold to another company and I have agreements with that company. I am not trying to escape paying my debt I just don't understand how they can report incorrect information and refuse to fix it, and after selling the loan ( that account is also on my credit report currently in good standing ) I would just like this issue removed if possible, or corrected so that it will expire within the year.
Product: Debt collection

I have a debt showing on my credit report from a utility company that was turned over for collection in XX/XX/XXXX. It says I was a cosigner on an account. I have never cosigned for anyone.

I called the utility company and they looked through their records and the only thing they show is my current account which is the only account I have had in my name since XX/XX/XXXX. 
I have contacted the collection agency twice and they do n't show any accounts with my name or social security number. 
The girl I spoke with yesterday said she cant do anything without the name of the person I cosigned for. Since I did n't cosign for anyone I do n't have a name to give her. 
She said there is nothing they can do so they wont remove this from my credit report.
Product: Checking or savings account

With Chime my accounts were in good standing with about XXXX in checking and over XXXX in savings at XXXX they shut down my account with out any explanation. These monies are used to pay my living expenses and my XXXX treatments.
Product: Debt collection

This complaint is the result of multiple violations to my rights as a consumer, and to the Fair Credit Reporting Act that American Honda Finance is committing.

I want to report that American Honda Fiance is doing the following : - Reporting different information across bureaus.

- Failing to investigate the account.

- Damages : legal spent, emotional stress.

I am demanding this company to remove the following item from my reports : AMERICAN HONDA FINANCE. Account Number XXXX Opened XX/XX/2018. 

I have a strong case. I am sure that any attorney would be willing to take this to court. I am willing to do it if Honda does not get the late payments ot the item removed from my reports.

Please send the attached documents to American Honda Finance.
Product: Debt collection

I am being harrassed on Continuous calls troughtout the day, at least 3 x per day
Product: Credit reporting

Student loans are more than XXXX and have been closed with original loan servicers paid off and are XXXX through XXXX for XXXX they are no longer delinquent since XXXX. Bankruptcies were XXXX or dismissed but still reporting violating confidentiality. Collection accounts for utilities companies are invalid. Accounts remaing after bankruptcy XXXX. Request removal of all inquiries. This prevents my family from for qualifying for any mortgage. No change in my credit score since bankruptcy XXXX and have opened new auto loan and credit cards. XXXX Equifax and XXXX are the violating companies.
Product: Debt collection

This debt was paid XXXX XXXX. 2015 and they will not take it off my credit report after disputing this over and over.This is with USCB
Product: Credit card

In XX/XX/2023, Chase falsely advertised a promotion offer to get me to sign up for a credit card. I followed the exact requirements of the promotion offer, but I never received the promotion I was entitled to. Chase has repeatedly failed to remedy the situation. 

I opened a Southwest Rapid Rewards Credit Card with Chase on XX/XX/2023. Chase and XXXX advertised a promotion from XX/XX/2023 to XX/XX/2023 that if you signed up for a XXXX XXXX Credit Card, you would earn a Companion Pass ( allowing a designated companion to fly with you for free ) once you spend {$4000.00} in 3 months. I clicked on an advertisement for this exact promotion to sign up for the credit card. 

I met the {$4000.00} spending threshold as of my XX/XX/XXXX credit card statement. By XX/XX/XXXX, I had maintained an active Chase account for 3 months. 

In XXXX, XXXX, and XX/XX/2023, XXXX repeatedly confirmed on the phone that I had received this promotion offer and that the requirements I described were correct. But Chase repeatedly claimed on the phone and in written messages that the promotion did not appear on my account. 

I clearly signed up for the card during the promotion dates and met the spending requirements. I sent Chase evidence via internal message that I clicked on this exact promotion offer to sign up for the card, that this promotion offer was valid on the date that I signed up for the card, and that I met the spending requirements within the first 3 months of opening my Chase account ( those documents are attached ). Chase refused to remedy the situation. 

Today, XX/XX/XXXX, I called Chase and gave them XXXX more chance to give me the promotion offer that I had rightfully earned. XXXX of the Chase representatives claimed that he couldn't apply the promotion to my account now because the offer had expired. The offer expired on XX/XX/2023, but IT WAS VALID on XX/XX/2023, the date that I signed up for the card. I signed up for the card explicitly because Chase advertised this offer to me! 

Chase 's false advertising and horrible customer service has forced me to pay full price for XXXX XXXX flights in 2023 totaling more than {$2000.00} that should have been free with the XXXX XXXX.
Product: Credit card

I have contacted capital one numerous times. Unauthorized payments they took out of my account. I have fraudulent chargea on my statements
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is wrongfully reporting a bankruptcy to creditors ( used to deny credit to me ) from a bankruptcy from XXXX XX/XX/XXXX that was removed from other agency credit files on XXXX XX/XX/XXXX and currently does show in Trans Union Public Records area in my credit file. However somehow Trans Union is still reporting the Bankruptcy to creditors as shown on credit denial from XXXX XXXX XXXX XXXX attached ) from XXXX XX/XX/XXXX which clearly shows their reason for denial was " Your credit reports reflects a bankruptcy '' as provided by Trans Union. 

Why is Trans Union reporting a bankruptcy almost 11 years later? How is Trans Union providing this information to creditors ( XXXX XXXX XXXX XXXX when Trans Union itself does not show a bankruptcy in Public Records? What other means is Trans Union using to wrongfully report this bankruptcy to creditors?
Product: Credit reporting or other personal consumer reports

Certainly! Here 's a draft for your CFPB complaint regarding Ally and your car loan : Subject : Complaint Regarding Inaccurate Credit Reporting by Ally Financial Violation of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to formally file a complaint against Ally Financial regarding inaccurate and derogatory information they have reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX has reported four derogatory marks on my credit report, which is incorrect. I have consistently been current with my car loan payments and have made all payments within the required time frame. These inaccurate entries are unjustly damaging my credit profile and do not reflect my actual payment history. 

I have contacted XXXX XXXX directly to dispute these errors, but they have failed to correct the inaccurate information. Since the FCRA mandates that furnishers of information report accurate and complete data to credit reporting agencies, I believe XXXX XXXX is not in compliance with these regulations. 

This incorrect reporting has caused me unnecessary stress and hardship, as it has negatively impacted my credit score and financial standing. I request that CFPB investigate this matter and ensure that XXXX XXXX corrects the inaccuracies and removes the erroneous derogatory marks from my credit report. 

Thank you for your time and assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account for Credit Acceptance is violating my FCRA rights by not deleting its account, that is XXXX years old. It's still reporting on XXXX and XXXX. It is beyond its statute of limitations to be reporting.