23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

The lease to VWCredit Inc ( d.b.a. Audi Finance and Volkswagen Credit ) was paid off on XX/XX/2023, and the check cleared my bank on XX/XX/2023. The contract states the title will be sent in two to four weeks. I have called twice, and they offer no updates and won't send a written notice that the lease has been paid off or a release of lien letter that I can use at the California DMV to change the title. All the proper paperwork ( Odometer Disclosure Statement, Bill of Sale, Executed Payoff Quote, and the check for $ XXXX ) was sent, and the Customer Service line at XXXX verbally confirmed that fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with XXXX XXXX  XXXX XXXX XXXX XXXX, Mn XXXX. This involves a settlement that I reached with this bank that they offered me and I accepted. They specifically told me that this would not effect my credit in any way. I have a letter from XXXX   dated XX/XX/2019 stating that the debt had been settled and I was released from all obligations. I will attach a copy of this letter.The next thing I find out is that XXXX ( which I subscribe ) lowered my score due to the settlement 100 points from XXXX to XXXX. I have filed two complaints with XXXX with no results except to tell me that no adjustment would be made. Equifax also lowered my score almost 100 points also. XXXX did not lower my score at all. My scores as of today are as follows : XXXX XXXX, Equifax XXXX and XXXX XXXX. They all should be in the XXXX range as I value my credit very much.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert from a credit monitoring company that a new Equifax inquiry was present. Upon reviewing the information, it stated that XXXX XXXX XXXX placed a new inquiry. I disputed this with Equifax, who denied the dispute. I then, on XX/XX/XXXX, called XXXX Card Services ( I do have an open credit card account with them since XXXX, but did not request a second one ) to ask about the inquiry. After talking to both member services and security services there, they do not have any record of such an inquiry connected with any of my personal information. Given this, I again filed a dispute with Equifax, which has again been denied, as the inquiry is deemed " factual. '' No supporting documentation is available from the company to support the factual claim, and as there is no record from XXXX to show this inquiry was not made, there is no way to remove it from my credit report via Equifax. In the interim, I have had to freeze my credit and place a fraud alert given the possibility of such.
Product: Checking or savings account

On or about XX/XX/XXXX I reached out to who I thought was a client of mine via text and asked him to set aside some baseball tickets for me like always. We begin to have a conversation nothing unusual. Who i thought was a good client of mine said that he had reached his XXXX limit and wanted me to XXXX  a contractor some funds to finish a job on a condo him and his wife had recently purchased, I had no problem with it because he have been a client of mine since XXXX. Between XXXX XXXX a total of XXXX was sent. On XX/XX/XXXX I was scheduled to meet what I believed was my client at his place of business. I arrived at the business and talked with my client at that point he showed me his phone and there was not text thread from us and began to tell me that his number was cloned and he was working with XXXX XXXX to get his number back. At that point i contacted Chase Bank to file a claim of fraud. The bank told me it was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I refinanced our mortgage in XX/XX/XXXX with Cross Country. Since then, we decided to refinance with a small bank on XX/XX/XXXX but this time to take money out. 

When going through the refinance process with the new bank, Cross Country wanted to compete with the rate both me and my husband were offered by the small bank. Cross Country did not want to lose us as customers. We sent them the rate information we received from the small bank to see what they could counter. Cross Country said they could beat the rate we were offered ( based on our old records ) by the small bank but at that ran a hard inquiry without warning or approval from myself and my husband. We never heard back from Cross Country as to that rate was. I=Both myself and my husband received a hard inquiry notification from XXXX XXXX on XX/XX/XXXX and it wasn't until the next day that I decided to contact Cross Country about that. I contacted them on XX/XX/XXXX about the hard inquiry. The woman who answered took my information and said someone would return my call within a few business days. It is now XX/XX/XXXX and I still have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRIES : 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 XXXX COLLECTION : XXXX XXXX-REPORTED Balance {$240.00} XXXX XXXX-REPORTED Balance {$110.00} INQUIRIES : CXXXX 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 XX/XX/XXXX EQUIFAX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX ( Self Lender ) will not remove late payment due to covid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian bureau and requested that there were inquiries on my credit that I wasnt aware of & they wasnt removed. The inquiries were 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 and according to the FCRA unverified & unrecognized items must be removed.
Product: Debt collection

XX/XX/XXXX I set up a payment plan with uscb corporation to pay my XXXX XXXX debt to XXXX and I asked for an itemized list of the charges they couldn't provide it for me. when I asked for proof of a payment plan they won't do that either. It's prohibiting me from getting a loan on a car and now I'm sticking walking to work.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear MCA MGMNT CO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Sections 570.223 and 570.224. 

It has unequivocally come to my attention that MCA MGMNT CO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223, emphasizes the necessity of consumer consent for the use of personal identifying information. Furthermore, Section 570.224 establishes clear penalties for unauthorized use of such information. These laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for MCA MGMNT CO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that MCA MGMNT CO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 570.223 and 570.224 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MCA MGMNT CO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Credit card

I purchased a camera at XXXX XXXX XXXX in XXXX via the internet. I was charged {$340.00} for this camera for a total {$350.00} including tax. A few days later an additional charge was made by the merchant for {$80.00}. Capital one never gave me ample time to challenge the merchants " documentation '' to show and prove that I have NEVER authorized an additional charge of {$80.00} for any reason.
Product: Checking or savings account

On XXXX XXXX  I deposited a check via mobile deposit that turned out to be bogus. I did not know this ath the time of deposit, it was an email scam that I found out about later. I contacted Ally Bank and reported the circumstances and provided all information regarding the scam including various emails I had received. I was assigned a fraud case number XXXX. I am a VICTIM. At that time, my accounts were frozen. My ability to access my online accounts were stopped. It has been over a week and I still can't access my money. I have a XXXX XXXX  bill in my wallet. My debit card does not work. I am receiving alerts from ally informing me of low balances and I can't access my accounts. I am XXXX XXXX XXXX, I don't have credit cards and live on social security. I need food amd medicine and can't get either because I have no access to my money and afetr contacting Ally every day this past week I have gotten no where. Please help me.
Product: Debt collection

On XX/XX/XXXX I sent a correspondence to XXXX, XXXX ( received XX/XX/XXXX per USPS tracking XXXX and signed for by a XXXX XXXX ) in regards to this corporation being sold an alleged debt, that is not mine but is in my name. I initially request for a lawful verification of the alleged debt and advised that attempting to collect is in violation of 15 U.S. Code 1692g. I initiated this correspondence before receiving any communications from anyone from  XXXX, XXXX. On or about XX/XX/XXXX I received 3 ( three ) correspondences at once from a Resurgent Capital Services that claims to service XXXX, XXXX accounts. All of these correspondences are dated XX/XX/XXXX, which is very odd since all of the content of these correspondences say different contradictory things. One claims that I have 30 days to dispute the validity of the debt, which I already initiated on XX/XX/XXXX before receiving any communication from XXXX, XXXX  or any other organization ; another requesting an affidavit from me, when they are the ones that need to provide a sworn affidavit to verify the alleged debt, not me ; and finally the remaining correspondence claims to have provided verification of the alleged by providing so called statements which may have been forged from the alleged original creditor ( XXXX XXXX BANK ). This sending 3 simultaneous letters with different content appears to be some type fraudulent and unlawful act on the part of representatives from Resurgent Capital Services and XXXX, XXXX. Also, none of their correspondences provided anything from my initial request. I immediately responded and sent another correspondence dated XX/XX/XXXX ( the same day I received their communications ) rebuking their fraudulent correspondences, it was received on XX/XX/XXXX per USPS tracking number XXXX and signed for by a XXXX XXXX. As of XX/XX/XXXX, I have not received any response from a representative of XXXX, XXXX or Resurgent Capital Services which demonstrates to me that this corporation and it's representatives are intent on practicing fraudulent and unlawful activities. In addition to this complaint I have filed a police report with my local Police department ( XXXX Police Department TR # XXXX ) as one of the final steps before pursuing litigation. I have attached copies of my XX/XX/XXXX and XX/XX/XXXX correspondences for the record.
Product: Credit reporting or other personal consumer reports

XXXX reaching out to dispute several incorrect details on my TransUnion credit report that could harm my credit. My correct legal name is XXXX XXXX XXXX, but the report lists incorrect variations, including XXXX XXXX XXXX, and XXXX, XXXX. The report includes incorrect addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX Bath Av XXXX XXXX XXXX, NJ XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The correct address should be XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. The employer listed as " self-employed '' and " XXXX XXXX '' is incorrect ; the correct employer is XXXX Kings XXXX XXXX These mistakes have caused me considerable stress and concern, as they damage my financial reputation and raise worries about identity theft. These errors could negatively affect my credit, and I believe they violate the Fair Credit Reporting Act, which requires that credit reports be accurate. I'm requesting that these issues be corrected immediately to ensure my personal information is accurate and up to date, and that an investigation is conducted to determine if fraud is involved.
Product: Bank account or service

Months ago I went to the bank to get options from regions bank about IRAs. I explained I was interested in a IRA but this employee insisted on telling me to put the money in a annuity after I explained what I needed the money for. She did not tell me all the of the pitfalls of the annuity. When I needed to take out money for an emergency I then learned from the annuity that there was a stiff penalty. I complained to the bank manager after finding out the penalty and he said he would cancel the annuity for me after being duped by this bank employee. It was never done and I have a medical emergency and can not take out the money without a stiff penalty. I do not know where to turn to. Please help.
Product: Credit card or prepaid card

I recently paid off the entire balance of my Chase Sapphire credit card to the amount of $ XXXX in one large payment- XX/XX/2019. Have never missed a payment-never been late. The VERY next day, after the payment was received and posted,, apparently this triggered an account review, of some kind ... Chase then REDUCED my {$8500.00} credit limit by XXXX XXXX dollars to just XXXX XXXX dollars. When I called, clearly upset, I got the runaround from supervisor after supervisor, until I was told I would have to agree to a HARD INQUIRY review just to see if the reduction could be reversed. After over 45 minutes of very intrusive, sometimes inappropriate financial, employment, family and credit report questions and, worse, suppositions/- including why my credit card was maxed in the first place ( umm- unexpected disability and related medical expenses?!? - isnt that line of inquiry illegal anyway?! ) ... I was merely told Nope, sorry, too bad-theres nothing we can do ... .although, as a side note, this supervisor did fully admit that the initial account review done by computer the day before was inaccurate in some of its credit report findings after his further manual review- his name was XXXX, btw.  In the end, it didnt matter, and I got the proverbial rug pulled out from me after paying a VERYsignificant amount of money in the honorable cause of paying this credit debt off and do the right thing. Absolutely AWFUL the way I was treated, and more importantly- the whole excruciating process. Not to mention the loss of {$8000.00} of my credit card limit, along with more importantly, on my credit report utilization rate and credit score ... JUST AFTER paying the whole card off in the first place! One last note- amazing to me when the card had a high revolving balance, they had NO PROBLEM with the XXXX limit then and the 25 % APR in interest they were charging me for it every month!!!
Product: Mortgage

During the time of XXXX XXXX and now we know XXXX XXXX since he presented a purchase agreement to XXXX XXXX in his handwriting and they alluded to XXXX XXXX at XXXX XXXX XXXX XXXX, mi XXXX and back at that time in XX/XX/XXXX and XX/XX/XXXX I made several calls and mailed you plenty correspondenced seeking answers about the supposed sale. 

Please provide answers in writing of the sale of XXXX by XXXX and his daughter XXXX XXXX both list on the covenant deed as husband and wife.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inquiries I have found : XXXX XX/XX/year>, XXXX XXXX XX/XX/year>. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have put several disputes on negative accounts that show up on my credit report. All of these accounts have been paid in full. The Apple Card was paid in full in beginning of XX/XX/XXXX. The other cards were paid in full XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax = under investigation for improper credit reporting. Credit Reporting is what they DO!! WHAT? That would be like CFPB not doing their job!!! No public statement from them to address what occurred and when?? Starting to sound like the crooked bunch I have suspected for years -- their silence tells me all I need to know... They will get a slap on the wrist ... shell out a XXXX  XXXX in fines and then a ruling to reimburse some a XXXX XXXX and NOTHING changes... But, it's ok they will release a new phone app that allows people to buy a higher credit rating that they can then go and report incorrectly .... America is really GREAT now!!
Product: Payday loan, title loan, or personal loan

Title Loan was taken out on a XXXX XXXXXXXX XXXX XXXX. 
The check for {$4200.00} was hard to cash. No store would cash it. Title Max arranged for XXXX XXXX XXXX to cash the check. 
A stop payment was made by Title Max due to a duplicate deposit. Title Max refuses to fund XXXX XXXX XXXX with a new check to cover the {$4200.00} one cashed at their store located in XXXX Missouri. XXXX is requesting payment as well as Title Max. 
Title Max refuses to look into the matter and continues to try to collect on an unfunded loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with speedy cash was never mine to begin with so I disputed it over a hundred times I have letters from speedy cash the original creditor and also from the third party collector ad Astra both stating the account was never mine it was open fraudulently and that they have requested the collection to be removed from my credit report yet it is still on my credit report Ive sent the letters to all three agencies only to be told that they can not do nothing until ad Astra tells them to do it. Due to this collection remaining on my report I was days away from closing on my home for my family after a long struggle to repair my credit due to this collection my score dropped XXXX points over night and continued to drop with no relief in sight as I stated before this collection was open fraudulently without my knowledge since then Ive tried to remove it I actually paid it in full just to have it removed and it was a part of my XXXX XXXX  bankruptcy but yet remains on my report. Ive spoke on the phone over 100 times with ad Astra and speedy and XXXX and XXXX and XXXX only to be told the same thing Ive done everything asked from me but still have no help in regards. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report because i am looking to purchase a house and noticed I have fraudulent accounts. this is stopping me from obtaining credit.