23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Formal Complaint I RENTED A CAR FROM THIS RENT A CAR FROM XXXX XXXX, DBA. THE COMPANY RENTED ME A VEHICLE MONTH BY MONTH WITH UNLIMITED MILES THEN WHEN THE MONTH BY MONTH IS UP, I RETURN THE VEHICLE, I RENTED ANOTHER VEHILCE FROM THEM MONTH TO MONTH IN REFERENCE TO PUTHASE THE VEHICLE. COMPANY CHANGE THEIR POLICY WITHOUT NOTICE AND FORCE OUT THE VEHICLE AFTER I DRIVIEN XXXX MILES BREACHING THEIR OWN CONTRACT. THEN TURN AROUND AND SUE ME FOR MILES OVERAGE ON A RENTAL CAR THAT HAS UNLIMITED MILES. THEY HIRED A DEBT COLLECTIOIN COMPANY TO COLLECT ON A BREACHED CONTRACT THE ATTORNEY WHO NOTIFYING THE WRONG ADDRESS OR NOT CONTACTING ABOUT A LAW SUIT. COMPANY HAS SENDING INFORMATION TO AN ADDRESS I DONT LIVE AT SO I CAN LOSE THE CASE. ALSO, THEY PLACED A XXXX HOLD ON MY BANK ACCOUNT FOR {$12000.00} AND TOOK MY TAXES IN THE AMOUNT OF {$6700.00} PUTTING MY FAMILY IN A POSITION OF GETTING EVICTED OUT OF APARTMENT. IT'S SO EMOTIONAL DISTRESS AND I AM ASKING IF YOU CAN HAVE STOP THIS FRAUD DEBT PRACTICE IN THIS PENDEMIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had am auto loan that i paid on time using their website every month but one month somehow they show that i missed one. This can't be possible. I never missed a payment and has to be something that they have wrong internally with their systems that changed or paying off a different loan internally. I've tried to work it out with them but they refuse to remove it. I've also disputed the account 's accuracy with the credit bureaus and not had success. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The list of account below has violated my federally protected consumer rights to " Accuracy and Fairness of Credit reporting '' under 15 U.S. Code 1681 ( a ), ( 1 ), ( 4 ), and Compliance and Procedures under 15 U.S. Code 1681e ( b ). 

XXXX XXXX XXXX XXXX Account # Has violated my rights XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Has violated my rights Accounts # XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX Has violated my rights 1. No Account # was posted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax 11 letters and NOT received one response regarding Unknown XXXX XXXX XXXX XXXX XXXX XXXX 

Nor has Equifax deleted said item due to their inability to verify or validate said collector. 

This is very annoying as this is my only negative thing on my credit report and it is reported incomplete, and inaccurately. 

XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX   Equifax Submit XX/XX/XXXX XXXX XXXX  Submit XX/XX/XXXX XXXX XXXX  Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report on XXXX XXXX shows 3 hard inquiry 's which i disputed with XXXX  as unauthorized. their response # XXXX dated XX/XX/XXXX indicated the " results were a factual record of file access ''. they advised contacting the creditors " if you believe this was unauthorized ''. multiple phone calls resulted in refusal of any of these companies to either justify their inquiry with evidence or to request its removal from my credit record. they are XXXX XXXX XXXX Ca XXXX XXXX, XXXX ; Institution Information XXXX XXXX Ca XXXX XXXX, XXXX ; and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XX/XX/XXXX. 
In each case the companies transferred me to multiple departments and attempted to require me to document details of the questioned inquiry 's and of course I do not have any such details such as which of their customers or departments triggered the inquiry.
Product: Credit card or prepaid card

On, or about, XXXX of Year XXXX, over {$500.00} in fraudulent charges posted to our Chevron/Synchrony Bank credit card from a XXXX, Texas location. We have never traveled to, nor visited XXXX, Texas. Moreover, our owned vehicles do not have a tank size to accommodate the amount charged at each fueling in XXXX, Texas. 

Chevron/Synchrony Bank was contacted monthly in Year XXXX, both by telephone and at the Chevron/Synchrony website, regarding the fraudulent charges to our account. 

Chevron/Synchrony Customer Service promised each month that it would be 45 to 60 days for the fraudulent charges to be researched and corrected. Chevron/Synchrony Customer Service promised that this matter would be escalated to a supervisor. 

In fact, the XXXX County Sheriff Department in California actually detained, arrested and prosecuted the criminals who had perpetrated these crimes upon California citizens with Chevron/Synchrony credit cards. The crime was covered by news media in California and we have records of all the fraudulent charges. Still, after being notified over 12 times in Year XXXX, Chevron/Synchrony has done nothing to correct the fraudulent charges to our account. 

We paid the legitimate charges in full each month for all of Year XXXX, minus the fraudulent charges. Chevron/Synchrony then began charging MONTHLY INTEREST on the " disputed and fraudulent charges. '' As of XX/XX/XXXX, over 1 full year from our first notification to Chevron, fraudulent charges have not been corrected and interest on the fraudulent charges continues to accrue. 

Worse, the victim of the fraudulent charges is a senior citizen and is a United States Veteran of foreign wars. 

Any help toward remedy and redress is greatly appreciated. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 Credit Bureaus in XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. I have attached the copy of my report showing the accounts as well as my certified receipts of my letters requesting that the bureaus do a full " investigation '' of all of these accounts and every piece of information. 

According to the FCRA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquitted or who may have knowledge concerning any such items of information.

The Bureaus stated that these accounts are verified, which is completely false, due to the fact that not one Bureau completed a full and legally proper " investigation '' according to the law.

Every piece of information on these accounts is still not being reported 100 % accurately, and the FCRA 15 USC 1681 states that everything on a consumers report must be reported accurately.

The credit reports are attached showing these inaccuracies. 

The bureaus have failed to follow the law and continue to allow this false and unlawful information to be reported on my consumer report. 

These accounts should all be deleted and blocked from my consumer credit report. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my credit report and found this credit account that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX, we were finally approved for a VA Hamp modification after the attorney sent XXXX XXXX several letters due to them denying us. They placed us on a temporary modification for 90 days as it was required. The month of XXXX, XXXX and XXXX were all paid on time, therefore we were given a VA Hamp permanent modification. We paid all of our payments on time yet XXXX XXXX  continues to report I was late all the way to XX/XX/2016 which is incorrect. If I was late like they claim why did they approve me for the Permanent Modification? There was {$16000.00} in arrears that were placed as a balloon payment in the modification so they were not suppose to be reporting anything late. Attorney XXXX XXXX, XXXX. told me I could file suit against them but we didn't have the money at the time to do so. I applied for credit and was told my credit score was low and the reason why is because of the mortgage late, even though they are almost 7 years old. I have a spreadsheet I downloaded from their website showing all of the on time payments. Also have a letter XXXX XXXX  had sent our attorney at the time stating all payments being current. Payments had a grace period in which we kept it within that grace period.
Product: Debt collection

1. this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars 2. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all three credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. Both of these accounts have been disputed on several separate occasions and the collection agency continues to report inaccurate and unsubstantiated information. This inaccurate information has caused my family the inability to obtain housing.
Product: Credit card

Bank of America emailed me an eroneous bill. They have admitted to the mistake but can not explain it. I told them this was illegal. You can not be sending out eroneous bills and hoping that people pay them without looking. On XXXX XXXX I received an email saying that I owed them {$53.00} due on XXXX XXXX. I knew this was incorrect because I had just scheduled my payment of {$28.00} to be paid on XXXX XXXX. I XXXX checked and I was correct. 

I went online to chat with a B of A rep who could not explain what happened. He said a Manager would call me back on Monday. No one called. I chatted again on Tuesday night and the rep just told me to call the XXXX number which I hate doing because I know there will be a long wait. I called the XXXX number and explained everything again to a rep who was researching it then mysteriously I was transferred to another person. Now we are a XXXX into the XXXX attempt at a resolution. I get a manager on the line named XXXX who I had to tell the story again to. After XXXX minutes of him not really making any progress I told him to call me back the next day with an explaination and I wanted a written apology. He called the next night but I missed his call. His message said he would call back in an hour and that he could not give me a call back number. He has never called me back. 
Are n't banks suppose to be fined for these types of errors. If I had been a senior citizen who was not on the ball I may have gone on line and paid the eroneous bill. Something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy.XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$5600.00}
Product: Checking or savings account

On XXXX booked a flight using XXXX for AA. I was not allowed to board due to XXXX  XXXX. I attempted to rebook with AA but I was denied because I booked with a third party ( XXXX  ). Contacted XXXX to be told that my ticket is nonrefundable and they can not rebook my flight. So far I am in red for {$470.00}. On XXXX contacted Chase and opened a claim against XXXX. All supporting documents were provided to Chase. On XXXX received a letter from Chase stating that my Claim is denied because my transaction was authorized. My claim was never regarding authorized or not. My claim is for fraud perpetrated by the merchant. I contacted Chase for more information and was informed that XXXX won the dispute!!!! I did request supporting documents submitted by XXXX. I was told that I should get them within 15 days by mail. Today is XXXX I still do not receive any document from Chase. Why : 1. No such documents exist. Chase can not be an arbitrator since has a financial interest in the transaction. 3. That is the predatory practice by bank institutions. 4. This violates The Federal Arbitration Act ( USA ). Title 9, US Code, Section 1-14.
Product: Credit card or prepaid card

I received a bill for an Apple card via email. I called apple and reported that I did not open an account. They told me the could start a fraud case but it would not be settled until I filed a claim with you and the police and reported it to 3 credit agencies. This all happened over the last week. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've received an obscene amount of inquiries on my credit profile between XX/XX/XXXX up until as recent as XX/XX/XXXX. I've never initiated any of these inquiries nor provided anyone with written authorization to access my credit. I've spent several days and hours contacting equifax, XXXX, XXXX and the creditors but I'm not receiving any assistance from any of the companies mentioned and they have failed to provide me with proof showing I consent to these inquiries.
Product: Credit card or prepaid card

Synchrony Bank ( Lowe 's Credit Card ) is continually trying to collect payment on a disputed charge in the amount of {$440.00} which is currently under investigation. The item purchased was never received, which can be easily verified by contacting the merchant. They have not removed the charge from my bill despite multiple requests, and initially attempted to charge interest on the balance of that {$440.00}, after I had initiated the dispute. Fortunately, they removed this interest charge upon my complaint. They still have not suspended the disputed charge.
Product: Student loan

I am a XXXX XXXX XXXX XXXX VETERAN HAVE ASKED THEM TO REMOVE THE LOANS FROM MY CREDIT REPORT HAVE FAXED AND MAILED THE INFORMATION IN NUMEROUIS, TIMES, I HAVE ATTACHED PAPERWORK THAT STATES I AM XXXX XXXX XXXX XXXX XXXX.
Product: Student loan

on XX/XX/year>, with completion processing on XX/XX/year>, I put in a request to move back to IBR from SAVE that I had moved to in XXXX of 2024. I was told that if they could not process my IBR paperwork within 10-business days of my request to move to a new payment plan, I would moved to processing forbearance, a status that is necessary for PSLF buyback. my paperwork was not processed as of XX/XX/year> which is 10 business days. I have called many times and emailed many times to be move to this status. I have been told they will look into it. They did not. I sent emails every day for the last week and finally received a form letter that states I am already in forbearance. I am, but I am in SAVE forbearance, not processing forbearance. Per the email they sent me, they have an obligation to move me to processing forbearance after 10-business of my original request. I want them to honor and be held accountable to their own policies and procedures because I have taken the appropriate steps in a timely fashion.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of the accounts and credit inquiries listed below from my credit report. I am a victim of identity theft resulting from a data breach, and I believe these accounts and inquiries were made fraudulently without my authorization. My request is made in accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( a ), and FCRA XXXX ( b ). 
XXXX Accounts : XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$15000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$4500.00} XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2500.00} XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$14000.00} XXXX. TEXAS XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$15000.00} XXXX. TEXAS XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$4500.00} XXXX. XXXX - TEXAS XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$15000.00} XXXX. XXXX - TEXAS XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$4500.00} Fraudulent Inquiries : XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXuiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX WOOD FIN XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

some time on or about XX/XX/2018 I lost my Daddy and fall on a hardship and lost seven credit line but I work it out with the bank and settle the account and canceled the debt with bank, XXXX XXXX agree to settle the account by issues a 1099-c at the end of the year. and the account being resolution and canceled., I file a dispute with Equifax and XXXX  and they refuse to delete for my credit file.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian XXXX and XXXX immediately! 

XXXX XXXX XXXX  XX/XX/2021 {$460.00}
Product: Credit reporting or other personal consumer reports

Account # XXXX I ask that this company submit the original wet ink note with signature and a copy of the original creditor on the 1099-C. The note holder or the equitable title owner are the only positions who should receive payment. 

If the contracts that was signed was taken to be collateralized wouldnt the debit/ credit books balance each other according to Proclamation 2039 Banking Holiday by XXXX and XXXX XXXX XXXX in 1933? 

Also this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from XXXX XXXX , however, future payments may be received.
Product: Checking or savings account

My bank reached out to me about a transaction on my account from a company called XXXX in the amount of XXXX my bank reverse the transaction and cancelled my card and I just got this card. I went to the site and others are going through the same thing with this company. Please help!
Product: Checking or savings account

I opened an account with Citi that was funded by {$20000.00} from a XXXX XXXX  money market account that I own ( on XX/XX/XXXX and XX/XX/XXXX ), {$10000.00} from XXXX ( XX/XX/XXXX ), {$970.00} check from Citi Bank credit card rewards. I had also removed {$6200.00} from the account to have a final balance of {$25000.00}. 

Citi accused me of fraud over the {$10000.00} from XXXX and closed my account. After a prior CFPB complaint they allowed me to " prove '' I own the XXXX account. After I showed them a statement they provided a check of {$10000.00} to me, leaving {$14000.00} in the account. Citi considers the matter " closed '' and although they see a balance of {$14000.00} in my account ( interest was added I believe ) they do not think that it belongs to me. 

The funds they're holding from me were NEVER in dispute. They only cared about the {$10000.00}, and I proved I owned it. So now they are penalizing me by withholding the rest of what they owe me. This is ridiculous, they can see they money came from an account with my name on it. I want all of my money back and want to sever my relationship with this terrible company. 

Attached is a statement from XXXX XXXX showing that I own the account and sent in 2 transfers of {$10000.00} each to fund the Citi Savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was sent court documents saying I was a defendant in a law suit from XXXX XXXX XXXX, for XXXX XXXX XXXX XXXX, for non-payment of a credit card debt ( attachment 1 ). The suit alleged I co-signed a credit card application for XXXX XXXX on XX/XX/XXXX and she ran up a {$3600.00} credit card debt that was delinquent. I did not request, or, co-sign any credit card request from XXXX XXXX XXXX and responded to the law suit with the attached documents I supplied to the court, in XX/XX/XXXX ( attachment 2 ). XXXX XXXX XXXX continued sending me notices and refused to remove the collection information from the credit agencies, as I requested ( attachments 3 & 4 ). After a year of trying to get this off my credit report, I told XXXX XXXX I would pay the debt, even though, I had no legal responsibility to do so, if they would get it completely off my credit report ( attachment 5 ). They agreed. I paid it in full and received their letter, dated XX/XX/XXXX, stating it was paid ( attachment 6 ). To date, this debt collection information still shows up on all three credit reporting agencies. It continues to cause me complications with credit applications, leasing agreements and anything requiring a credit score or evaluation. All XXXX XXXX says when I contact them is, the debt is paid in full. They have taken no action to have this removed from the credit agencies.
Product: Debt collection

CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I entered into a purchase agreement with an individual who contracted with XXXX XXXX limited for the sale of a vehicle. I was advised to register at the company 's website, I was contacted via email by XXXX 's agent and was supplied all documents related to the transaction. Per the company 's directions, I wired funds on XX/XX/2022. Upon receipt of my funds, the XXXX agent stated they supplied me the wrong account number as the one supplied was for domestic transfers within the XXXX XXXX. The stated they would return the funds accordingly. I advised them to send me the vehicle or return my funds. It has been over XXXX days since they stated my funds would be returned. They will not respond to inquiry at the email address of XXXX and their website no longer interacts/brings up my transaction.