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

The letter below was sent to Transunion on XX/XX/22 and I've included their response in the attachment Dear TransUnion To be clear, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 



XXXX XXXXXXXX XXXX XXXX  : Account number : XXXX, Tell me, how did you verify this account? I need a full investigation done and a full report. 

You verified this account pretty fast, therefore I have a simple request. What procedures does your company have in place to investigate accounts? Please send me a copy of those procedures. Second, what data are you basing your verification on? Please send that to me also. I want to make sure you are following all laws. If you can not provide me with the documentation, please delete it from the report and send me an update. 



Once again, I believe 15 Days should be enough. As I am tracking all letters and awaiting your response. 



Sincerely
Product: Vehicle loan or lease

I am writing to complain about the Nissan Motor Acceptance Corp ( NMAC ) charge of {$1100.00} on my XXXX XXXX lease termination. My account number is XXXX. 
I am surprised that I am charged anything more than {$190.00}. 

We returned the XXXX XXXX under account XXXX to the XXXX XXXX dealership in great condition on XX/XX/2018 around 21k miles. This is way under the 36k miles contracted in the lease, and 2 months before the lease expired. We also gladly lease a new XXXX XXXX from the same dealer on that same day ( new account number XXXX ). 

We consulted with the dealer, before we returned the XXXX   and signed the new lease on the new XXXX, that the Special Lease Turn-In Offer of {$500.00} off Excess Wear and Use Charges we received in mail is good even if we put the new lease on different members of my family as far as we validate that the names are all under the same address. 

We returned the car with its manual and every single part. It is hard to imagine that a car with 21k miles have excess wear & use of {$480.00}. We even put on a new tire for the car. Anyway, this amount should be covered by the Special Lease Turn-In Offer of {$500.00} off Excess Wear and Use Charges. 

I was also told by the dealer that we do not have to worry about the Disposition Fee of {$390.00} since we leased a new XXXX from the same dealer again. As such, the only charges I can understand in the NMAC statement is the remaining payments of {$190.00}.

I kindly ask that NMAC correct the invoice promptly.
Product: Debt collection

I'm filing this complaint against Midland Credit Management as they've failed to provide debt validation on two occasions. This is my third ( XXXX ) attempt to have them honor my right as a consumer pursuant to 15 USC 1692G and provide to me in writing the information that they're furnishing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I requested that Equifax block information which was reporting on my credit report as a result of identity theft, pursuant to 605B of the Fair Credit Reporting Act. 

I provided a valid identity theft report from a Police Department which listed the account in question, a copy of my identification and a request to block the account. The account had already been appropriately blocked by the other two credit bureaus, Transunion and Experian. 

Equifax failed to block the account. Equifax failed to respond to my calls and written communications. Instead, on XX/XX/2019, within 48 hours of the request, Equifax sent me a form letter which stated that it " is not blocking the information '' pursuant to section 605B ( c ). '' Equifax failed to provide any facts whatsoever or explain how the basis for its determination, within 48 hours, that : " ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. '' Instead, Equifax urged me to " contact the source '' directly, file a CFPB complaint, or " obtain documentation from creditors showing an account does not belong to you. ''
Product: Debt collection

I received XXXX XXXX XXXX XXXX around the year XXXX maybe early XXXX for around {$1400.00} for a new account. I did not open this account I then called XXXX XXXX XXXX and they looked into it and said that it was not me and it looked like fraud I thought it was fixed from there then a debt collector called and we spoke about it they also looked into it and said yes this is definitely fraud and said they would contact XXXX XXXX XXXX. Again I thought now it would be done now sunrise collection is calling me about it but I dont trust giving out any information anymore and I do not know how to fix this. I have had great credit since I was XXXXXXXX XXXX XXXX and now I was looking to buy a car and saw my credit score has dropped XXXX points from an unpaid debt that is in collections. I have never missed payments I have had multiple loans and always pay on time.
Product: Checking or savings account

On XX/XX/2022, I noticed four fraudulent transactions on my Wells Fargo checking account totalling {$9500.00} in total : * {$1000.00} on XX/XX/2022 * {$2000.00} on XX/XX/2022 * {$2500.00} on XX/XX/2022 * {$4000.00} on XX/XX/2022 They appeared on my online statement as " WITHDRAWAL MADE IN A BRANCH/STORE ''. I immediately reported the transactions to Wells Fargo and froze my account. The bank started their own investigation. ( Claim # XXXX ) On XX/XX/2022, a Wells Fargo case specialist contacted me to let me know she'd be handling the investigation. She shared images of the withdrawal slips the thief had used to withdraw the cash. The signatures on the slips are not my signature. 

On XX/XX/2022, I filed a police report with the XXXX XXXX Police Department at the XXXX XXXX XXXX. ( complaint report # XXXX ) The same day, I noticed an additional fraudulent transaction on my account on XX/XX/2022 for {$160.00}, which I immediately reported to both Wells Fargo and the police. 

Because I have not lost any ID, credit card, debit card, checkbook, etc., I assumed the bank would return the money to my account. However, on XX/XX/2022 they responded by letter that they would not refund any of the money because I had not reported the initial fraudulent transaction ( from XX/XX/2022 ) within 30 days of receiving my statement. 

On XX/XX/2022, I contacted the police to see if their investigation had any updates. They said they had subpoenaed Wells Fargo for the security camera footage, but Wells Fargo had not responded to them yet. 

The same day ( XX/XX/2022 ), I called Wells Fargo to appeal their decision, since : * They had given no explanation of how the money was taken out of my account. 
* I reported the fraud 6 days after the most recent occurrence. 
The claims specialist called me the next day to tell me that the fraudulent transactions were made using a license and debit card as proof of ID. I haven't lost any of these, so presumably the thief was able to withdraw money simply by presenting a fake ID. She offered to escalate my appeal. A couple days later ( XX/XX/2022 ) I received an email denying my claim with the same reasoning as before : " As per your Deposit account agreement we can not reimburse you for unauthorized transactions if we are not notified within 30 days after we have made your account statement available to you ''
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over XXXX and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XX/XX/XXXX XX/XX/XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft:|XXXX||COLLECTIONS- XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - $XXXX|EQUIFAX|INQUIRIES- XXXX XXXX - XX/XX/XXXX|COLLECTIONS- XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX- XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX- XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - $XXXX||XXXX|COLLECTIONS- XXXX XXXX XXXX XXXX - XXXX - $XXXX - XX/XX/XXXX- XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - $XXXX|- XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX- XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - $XXXX
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX - XXXX - {$5700.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$29000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$4200.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being.

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

Today, XX/XX/XXXX, I used an app called XXXX to purchase XXXX XXXX tickets from a seller. Her phone number is XXXX ( XXXX ) XXXX and her email address is XXXX. XXXX does not help at all. I tried to reach out to XXXX but they will not assist. I transferred {$100.00} from my bank account to the sellers. The seller said they would immediately send me my tickets. Then, they never did.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are showing late on my credit report. However, I spoke with an agent from XXXX several times to discuss the situation, but nothing was done. I updated my bank account information with an agent, however, the old account was not removed, which created late payments.
Product: Credit reporting

I filed for chapter XXXX XX/XX/XXXX. I made an agreement with my creditors to pay 100 % of my debts. In exchange once all debts have been paid my Chapter XXXX will be " dismissed. '' I paid all of my debts 100 %! I contacted TransUnion to remove from credit report. I faxed TransUnion dismissal papers from United States Bankruptcy Courts proving my case. TransUnion still states bankruptcy is verified. I contacted U.S Bankruptcy court and the U.S Bankruptcy Courts stated TransUnion did not request my court docket file. Under the FCRA, once filed the case is a matter of public record and appears on my credit history. The public record listing for a dismissed ( completed or paid ) Chapter XXXX bankruptcy remains for 7 from the filing date! I am attaching all proof to validate my complaint! I also have an active loan with XXXX. I refinanced my vehicle in XXXX XXXX, mt next scheduled payment was to be in XXXX XXXX, XXXX XXXX mishandled the paperwork and rescheduled payment for XXXX XXXX, XXXX XXXX reorganized the loan so two months ( XXXX XXXX, XXXX XXXX ) was put at the end of the loan. I disputed with TransUnion and they still have me 30 days late in XXXX XXXX. I called XXXX and they stated they updated with XXXX. XXXX stated contact TransUnion, we did our part. My chapter XXXX should be off my credit report, XXXX should be never late! Transunion is very bias and is created to hurt the consumer and not be honest.
Product: Debt collection

I received a debt collection notice from XXXX XXXX XXXX. The debt is supposedly for XXXX XXXX XXXX. never had an account there. this is identity theft. Please see the official government identity theft document and all parties listed on the debt collection letter was included in this report. 

Please note for the record that i sent in the form and checked the box stated this is NOT my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 instructions.
Product: Debt collection

There was a debt that needed to be paid when I transitioned my phone service to another provider. That was supposed to be paid through the companies, not by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have begun the process of working with the XXXXXXXX XXXX listed on your 2022 consumer credit reporting agencies list and publication. I am trying to work with XXXX XXXX by XXXX. I asked for 2 things from them. First, I asked for a report. They want me to literally fill out all of my personal information and email it to them before theyll provide me with a report. That seems preditorial and insecure and would put me at greater risk. I also asked them to put a freeze in place to not sell my data or allow others to query it to which they said that they don't have to comply with that part of the FCRA law. 

Can you help with next steps here? I dont feel like Im able to get anything with getting my report or putting a freeze in place.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by XXXX XXXX. XXXX ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I was forced to file bankruptcy on a company that i own, XXXX XXXX XXXX 's XXXX, XXXX. The XXXX filed for a XXXX XXXX XXXX  bankruptcy. Then for some reason, my attorney filed for me personally as well. He did this by mistake because he did not have to do this. The trustee, dismissed this and advised me that i only needed to file for the business, not personal. So i should not have a personal bankruptcy on my credit reports through the XXXX bureaus. Only XXXX XXXX 's XXXX, XXXX, should have the bankruptcy filed.
Product: Credit card

I have a large overpayment on my CITI diamond card. They are refusing to refund it or put it on my other Citi card, even though I have called XXXX times.
Product: Credit card

I called Chase, I believe XXXX of last year and offered a settlement payment of XXXX $ on a credit account with XXXX $ on it. they accepted but put the money through as regular payment on the card, so I was still accruing interest, and was still liable for the rest. I tried to call and rectify the issue immediately, but they refused to help, I disputed it with all three credit bureaus, but the disputes would come back with no new information, the credit hit was still there, and they basically ignore my disputes. I tried contacting chase through like XXXX different channels and no matter who I talked to, they alI refused to help. I did not record the phone call, but if I had that record, I could prove that what I am saying is true. to top it all off, the debt has now been sold like XXXX  times so I am getting harassed by companies who have no idea what happened here. Really what I want is to sue Chase but I don't have the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft reference number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Product: Credit card or prepaid card

On XX/XX/2022, a fraudulent charge appeared on my bill. The description on the statement was listed as " XXXXXXXX XXXX for the amount of {$120.00}. 

When I received the statement, Chase bank was notified of the fraudulent charge and it was removed from the bill. 

However, the following statement period, the charge was added again to the bill. 

After many communications with Chase bank, they have not removed this fraudulent charge from the account. The last communication was in XXXX and the representative said they will review the charges again and send a letter with their decision. They have failed to follow up on this and did not send a letter. 

To detail the fraudulent charge, I was on vacation in XXXX and made several purchases in purchase amounts all less than {$43.00}. So I am sure I did not make this purchase of almost {$130.00}. I do not recognize the merchant indicated as " XXXX '' either, and did not visit a bar while shopping in XXXX. 

This charge is fraudulent and I would like it removed from the bill.
Product: Bank account or service

I opened a CapitalOne360 account yesterday and set up an ACH draft tomy credit union. I specifically asked when the ACH would occur and theyexplained that they would first send two small deposits to the credit unionand then I would have to " confirm '' those deposits before the initialtransfer to my new account would occur. This was confirmed by anumber of web pages on their www.capitalone360.com web site. 
This morning, less then 24 hours after opening the XXXX account andwith no small deposits to confirm, they drafted my checking account for {$50000.00} which caused me to incur a transfer fee of {$3.00} at the credit union andexposed me to additional fees had I not caught this situation at once. 
I am concerned that their web site and call center staff are eitherintentionally or inadvertently providing incorrect information at thepotential expense and inconvenience of consumers and I would like my {$3.00} back. This is not about the {$3.00} but the principle of what they aretelling their new accountholders both personally and on their web pagesand their response to my concerns which involve hiding behind '' procedures '' rather than just acknowledging the issue and refundingmy fee. I escalated the matter to a manager who also stonewalled untilthey could conduct " research '' into the matter.
Product: Student loan

I am a XXXX XXXX enrolled at the University XXXX XXXX distance learning part-time- a XXXX XXXXXXXX enrolled at least half-time. I should be able to get the In-School deferment. I have submitted the request about ten times and keep getting it returned. The reasons change. I called and was told by customer service at Mohela that they see the same thing I do and it should go through. I need to know what Mohela needs to prove that I am in school because I have already submitted what they requested several times.
Product: Mortgage

M and T bank sold my mortgage. I in error sent an electronic payment to them instead of my current mortgage company. M and T took the money, when I realized the error and called them it took multiple calls over 5 days, including escalating to supervisors to try to find where they put the money. They refused to do a conference call with my bank to figure out a way to prove they took the money, they refused to confirm they received my documentation proving this, all because I do n't have an active account with them. They then told me they sent the money back to my bank but could provide a tracing number to prove this. I then forced a conference call, was told they would call back with the tracing number, then they called and said they realize they still have the money, they were looking under someone else with the same name. They were unable to explain how they have someone with the same exact name who accidentally sent them the same exact amount of money on the same date from the same bank. They then reported they could only mail a check the next day, they could not electronically transfer the money despite trying to tell me that they had previously done an electronic transfer. When the money had n't arrived 11 days later I called to find out they had n't sent it the next day as agreed, but rather 8 days later. This was a clear attempt to keep money they knew was n't theirs, and completely unethical behavior for anyone but especially a bank
Product: Checking or savings account

On XX/XX/2021, XXXX transferred funds to me to the incorrect bank account. The funds were sent in my name through trace # XXXX. The funds were placed into a USAA bank account that does not bear my name and is not associated with me. XXXX will not take any action until the funds are returned, and USAA refuses to return the funds. The amount of the transaction is {$2700.00} and were placed into account XXXX. I filed a dispute with USAA and they denied my request to send the funds back to XXXX.
Product: Debt collection

After checking my credit report, I noticed that fraudulent accounts are affecting it.