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

Sent letter to TransUnion, XXXX, and XXXX  requesting, validation of XXXXXXXX XXXX account showing past due days. Asked for contractual obligation, bearing my signature, how they came up with the past due days. I have yet to receive anything regarding verification, yet I keep getting the same responses that the account is verified. I received a letter from XXXX on yesterday XX/XX/18 from XXXX stating that they can not find my account with the information I sent them which is the account number listed on my credit report, if this is the case how is the credit bureaus verifying this account if the account holder cant locate the account? Seems like the credit bureaus are not doing what they are supposed to do and this is a violation.
Product: Checking or savings account

I opened a bank account as a sole proprietor and after the account was opened I got an email from the branch manager demanding that I file for a new fictitious business name adding my suffix to the last name field on the state form. I explained that the state does now require the suffix and adding a suffix to the last name field is not a legal last name and is a crime ( Penal Code 115 California ). The branch manager insisted that I either falsify the records or they would close the bank account. Important to note is that before I even went into the branch, I explained the situation with the XXXX  filing and went through a process to be pre-approved for the account. I never would have even went to the branch if I hadn't already been approved for the account so something is clearly off with this institution. It is unlawful as a consumer to falsify a public record, the bank is telling me they have numerous examples in their database of other clients who put that suffix in the last name field, so we are talking about falsification on a potentially massive scale. I told the bank to just close the account and send me a cashier 's check but I want this investigated. I have the email thread with the discussion to provide as evidence of them telling me to falsify and also the email thread where I was already pre-approved to open the account before I went into the branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted via email from XXXX XXXX stating I was reported Deceased on my credit report. I contacted XXXX  who informed me Hyundai Motor Finance ( XXXX  ) had reported me deceased. I contacted XXXX  on XX/XX/2020 by phone and several more emails have been sent. I am still unable to get a credit score from XXXX. My normal FICO score has always been above XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting information that is not mine. They have incorrectly reported to credit bureaus and also sent it collections. XXXX XXXX XXXX which now is a double report against me. This needs to be removed from my credit report as it not correct. 

The purpose of this letter is to dispute the XXXX Account that was placed on my account that states it was opened on XX/XX/year>. This charge of {$5200.00} from XXXX XXXX. 
I have advised that this has been a case of Identity theft yet it has been reported against my credit report to XXXX XXXX, XXXX and Equifax. 
The charge has no proof or foundation and I have advised that the charge is not valid yet your company has placed the charge against me with clear notification that this is not mine. 
I am seeking that this be immediately removed as it has been clearly provided as fraud. In addition, due to this being the second or third notice I am hereby notifying the CFPB as it is a violation of the fair credit and reporting act which is being violated by your company. 
If this is not removed immediately as there is no supporting documentation to support this bill I will have no choice but to take this matter to court and request that I be paid for damages that your company has imposed to me for falsely reporting this information on my credit file. 
Due to this being fraud I have attached the FTC report and also the letter to collection which is a double negative against me.
Product: Credit card

Care Credit. I made the purchase of XXXX. I paid the payment of XXXX which was more than what was due. I had some medical problems and I missed some payments. I called Care Credit ask my balance explaining the reason for my delinquency. I was told XXXX. XXXX. This was XX/XX/2024. I didn't hear anything from them. No bills. No texts. No emails. No calls. Then on XX/XX/XXXX I get a collection call telling me I owe over XXXX.
Product: Credit card

Online access changed in the last 6 months. My ID and password will not work. Requested via email to update both, however no email ever was sent. 

Went into the store to make payments. 

XX/XX/23 called the service number to get access for online, but they would not provide unless I give them a cell phone number. I provided a land line but this was not available since a text could not be sent. 

They confirmed who I am based on all pertinent data with date of birth, SS number, and account number. 

No online access was given and no statement or notification has been sent. 

I would love to see how much income was generated from late charges from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexingtonLaw has been assisting me in removing items from my credit report. Who has been charging me {$120.00} each and every month. These items that they made a commitment and promised to me. That these items would be removed from my credit report. And credit score would increase. I personal has been doing all the work. By becoming a member of the three credit agencies XXXX, XXXX and XXXX. By disputing these negatives on my credit report. Providing them with supporting documents.
Product: Credit reporting or other personal consumer reports

My credit report inaccurately lists hard inquiries that were not authorized by me, violating 15 USC 16c-2. I request their immediate removal.
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 Transunion 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 XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX  XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX  XXXX  XXXX  Balance {$3000.00} Open Date XX/XX/XXXX XXXX  XXXX  XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$990.00} Open Date XX/XX/XXXX XXXX  XXXX  XXXX  XXXX {$950.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$410.00} Open Date XX/XX/XXXX inquiries XXXX  XXXX  # XXXX Date XX/XX/XXXX XXXX  XXXX  XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX  XXXX  XXXX Date XX/XX/XXXX XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX XXXX XXXX  XXXX Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX, Experian and XXXX XXXX as they are not complying with their own policies in a timely manner. They had 30 days to review my dispute and I have not received a response.
Product: Credit card or prepaid card

In the past several months, at least once a month, I receive a letter from Chase Bank denying a request for a n Amazon .com Visa Signature card. Thankfully, these continue to be denied. My problem is I have never applied for these cards. I do n't want Amazon or Chase bank to continue to check my credit. What if my credit improves to the point they actually open these accounts. I have spoken to chase bank a couple of times. They have given me the fraud department # to speak to a specialist.      I spoke to chase bank today, I was given the fraud number and told the fraud department is closed on Saturday and I need to call during the week. The letter from chase bank is dated  XXXX / XXXX / 2017  and has a reference #
Product: Debt collection

I am a XXXX yr old XXXX XXXX a company called Spring Oaks Capital LLC. Has been harassing me with unsolicited phone calls throughout my day on a daily basis. They showed up on my credit report negatively impacting my credit and my life. This started on XX/XX/2024 that I could remember. I do not recognize this company at all, and I do not recall doing any such business with them. They claimed I owe them {$3000.00}. I reached out to them for more information and met with no successful respond from them. Please assist me with this urgent matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed several accounts with XXXX  and even provided police report and ID Theft affidavit to help resolve the issue and XXXX  has refused to address the matter. They have failed to verify to accounts 100 percent and have only relied on an automated process. The following accounts are a result of ID Theft : 1. XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3 .WF XXXX Account # XXXX
Product: Checking or savings account

I opened a Platinum Savings account at the XXXX XXXX CO branch using a {$520.00} bonus promo code I had received via email. The banker confirmed the promo code was attached to my application. Despite meeting the requirements for the promotion, I did not receive the {$520.00} bonus within the XXXX days mentioned in the terms and conditions of the promotion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I have disputed this item with you guys and the only credit bureau that have not removed. It is Trans Union This account keeps showing up as a charge off when it was paid, and several inquiries that keep popping up on my account that I have no knowledge of, and I would like the incorrect information to be removed from my credit report
Product: Vehicle loan or lease

I purchased a vehicle from XXXX in XXXX XXXX, Texas in XX/XX/XXXX. The tags on the vehicle stated that it was a XXXX  XXXX XXXX. I did not realize that it was a XXXX until after the paper work had been ready sign and the loan financed by Santander. I tried to return the vehicle 7 days later after I had heard bad things about Santander XXXX XXXX. I could not return the vehicle. Santander has not applied payments correctly to the loan. I have made double payments and they have not been applied correctly. Also, the call at all times and days. They call from several different numbers. They have said that they have cancelled my contract and will reposes the vehicle. I have never had this type of problem with a car loan before. I don't know how to get out of this loan since the contract has been cancelled. they have ruined my credit. My bank says I should have never financed a car with them. They are misleading company and are not applying the payments correctly. I am a XXXX Veteran and my XXXX since this incident has multiplied greatly. I have cars financed all my life and never had to deal with a company such as them. They seem to be in cohoots with XXXX and both companies are both deceitful and use unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

It took an abnormally and absurdly long time to get my Equifax security freeze lifted. In the end, instead of a temporary lift, I opted for a permanent lift because it was too hard to unfreeze my credit. I was unable to do it online, or by phone, at first. I tried by mail, but I was very uncomfortable sending my SSN through the mail. Eventually, I called again and got the freeze permanently lifted, but this experience was very draining and time-consuming. I hope no other people will have to jump through this many hoops to get their credit unfrozen, especially since I can provide all my previous addresses ( as a DMV resident and student, I move a lot ), my SSN, and all other personal info. The security questions asked on the phone were also too difficult, as a lot of my initial student loans were taken out by my parents and therefore I have little knowledge about them.
Product: Debt collection

I received an alert that my credit scores dropped. When I viewed my credit, I discovered an account from Vance & Huffman LLC. I have lived at my current address for more than 10 years and i have never received a collection notice or a phone call from this company. They have placed an unknown debt on my credit and i am in the middle of financing. I have also sent them a letter via registered mail over 60 days ago and I have not heard back from them.

I am requesting the unverifiable/unknown entry be deleted from my credit report. I also have a police report on file with the bureaus for false impersonation- but I thought all of that has been cleared up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX place XXXX, FL XXXX XX/XX/2018 National Credit Card/ airlines XX/XX/2018 Syncs XXXX Fl XXXX Two reports, both because of Care Credit. I have complained and they said to contact you. 
I want this removed from my credit report. I have paid off Care Credit, in full and this is unacceptable. I will never use them again
Product: Debt collection

This company keep harrasing me with emails daily about a debt that they claimed I owe. I filed a complaint with Idenity Theft.gov. Asked company to cease and decease contact with me. Company keeps emailing me regard setting up payment arrangements to clear so called debt.
Product: Credit reporting or other personal consumer reports

TransUnion : Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect on my credit report.
Product: Debt collection

For the 2nd time this year MIDWEST RECOVERY SYSTEMS is posting information on credit profiles that they have not validated nor had communications with my person before posting such updates. The company has in prior posted on my account and has faild to validate debt and was forced to remove the record : On XX/XX/XXXXMIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Credit Posting on XXXX   and XXXX  as Collections with out validation Dear, CFPB. I received information from XXXX and XXXX  that a company listed as MIDWEST RECOVERY SYSTEMS has placed negative information on my credit profile and is attempting to collect the listed alleged debt. 

Please advised MIDWEST RECOVERY SYSTEMS, that I dispute the validity of the alleged debt in its entirety. 

Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. 

The original creditor is listed as Original creditor : 12 XXXX XXXX  XXXX for which I have no knowledge of any account. 

I affirm that MIDWEST RECOVERY SYSTEMS is illegally attempting to collect an alleged debt and money that I do not owe. MIDWEST RECOVERY SYSTEMS has not allowed the consumer to validate the debt by providing a debt validate letter by law, and giving the consumer up to 30 days to review the claim and respond. 

As per the law, MIDWEST RECOVERY SYSTEMS shall cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. 

This letter is being provided to the Consumer Financial Protection Bureau ( CFPB ) for full review of this illegal act of posting to my credit profile. 

The CFPB is authorized to investigate this matter and receive related information. If MIDWEST RECOVERY SYSTEMS fails to remove the entries does not comply with this letter, I may turn the matter over to an attorney. Sincerely, XXXX XXXX Credit posting shows as follow 's Midwest Recovery Systems Opened XX/XX/XXXX {$470.00} Ori Original creditor : 12 XXXX XXXX  XXXX XXXX  Balance {$440.00} Highest Balance {$470.00} Opened Unknown Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 12 XXXX XXXX XXXX  XXXX   Creditor Information MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX See History from this Company : See complaint : XXXX-XXXX  SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection ISSUE
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling and disputes particularly in the light of my recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting decrepancies my financial institution and Zelle failed to investigate my claim adequately. They informed me recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but as also allowed repeat offenders to exploit the system leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

My name is XXXX XXXX and my phone number is XXXX. I have ordered my Tesla XXXX XXXX  under this email and I had applied for loan financing. My order number is XXXX. My XXXX XXXX was conditional approved by XXXX XXXX and I had provide my XXXX and XXXX over 5 days ago. However, I have not yet to receive a final loan approval and I am scheduled to pick up my car on XXXX XXXXXX/XX/XXXX. I have reached out to your sales representatives over this week many times and this has not been the best experience. I was XXXX through the Tesla application for a loan and I was XXXX to pay {$750.00} in order to XXXX XXXX XXXX and to apply for financing through Tesla. Now that I have done everything been asked by Tesla and I have provided my XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX deposit & been XXXX to {$750.00} and I was informed that I am approved through their prequalifying system. It is been over a week and my credit been ran and my score went down due to Tesla running my credit and I have not been in communication with Tesla financing team once because they conduct all their business via Tesla application which I have followed all their steps. Tesla have discriminated against me due to my credit per the ECOA law.
Product: Checking or savings account

I opened an M & T Premium Checking account on XX/XX/XXXX, using XXXX XXXX XXXXXXXX  which offered : Simply open your XXXX XXXX Checking account by XX/XX/XXXX with XXXX XXXX XXXX, and maintain an average monthly balance of at least {$10000.00} in XX/XX/XXXX and XXXX XXXX Get an extra {$150.00} Set up qualifying direct deposits to your new XXXX XXXX Checking account, totaling at least {$500.00}, within 90 days of account opening.1 I deposited some money In XXXX, so as of XX/XX/XXXX, the balance in this account was {$12000.00}. I then continued depositing money. As of XX/XX/XXXX, the balance was {$24000.00}. I continued depositing money into XXXX, and then on XX/XX/XXXX, I withdrew some money. As of XX/XX/XXXX, the balance was {$8100.00}. 

It seems to me that, although the specific calculation of average monthly balance was not defined in the terms of the offer, any reasonable calculation would have my average monthly balance in this account as higher than {$10000.00} in the months of XXXX and XX/XX/XXXX. As I understand it, the most typical definition of average monthly balance is : ( the sum of each days closing balance ) / ( number of days in the month ) By that definition, my average monthly balance was {$17000.00} in XX/XX/XXXX and {$24000.00} in XX/XX/XXXX. 

However, M & T is refusing to pay out the {$300.00} bonus. They are claiming that the account balance had to be above {$10000.00} throughout XXXX and XX/XX/XXXX to earn the bonus. But thats not what the offer said! You can see, even today, they have a similar offer up at XXXX : XXXX with similar requirements : To receive the Premium Checking Bonus, open a new XXXX XXXX Checking account between XX/XX/XXXX and XX/XX/XXXX and maintain an average monthly Premium Checking account balance of at least {$10000.00} for the months of XXXX and XX/XX/XXXX. 

And you can see, in those terms for this similar offer, there is no mention of any requirement that the balance be above {$10000.00} throughout the entirety of the months in question, only that the *average monthly balance* be above {$10000.00} for those months. 

Help?
Product: Debt collection

The date stated XX/XX/2019, contacted them and the credit bureau XXXX to remove disputed with credit bureaus.This company has me in collections for monies I do not owe at XXXX different properties at dates listed that I did not reside at!
Product: Checking or savings account

On XX/XX/2023, around XXXX, I went to the Santander ATM XXXX at XXXX XXXX XXXX XXXX XXXX PA XXXX to make a {$500.00} cash deposit. I put in my card, entered my pin, selected cash deposit and put my money in the machine. It made some noises and then said that my cash could not be collected, remove and try again. The machine made some more noises but never opened. It then said my transaction could not be completed and returned my card. I tried to do a check deposit and a cash withdrawal, just to see if the ATM would open up, I did not want anyone to steal my money. While sitting there, I called the bank branch, # on the back of my card and the # on the ATM, no answer. The next day was a holiday, I had to wait until XXXX XX/XX/XXXX to speak to the bank. I was told someone would be out to check the machine, I asked to be there but they had no idea who or when the ATM would be serviced. A provisional credit was issued to me on XX/XX/XXXX and then taken from me on XX/XX/XXXX as they said the ATM was not over. They have refused to investigate this. The video should clearly show me sitting there for about 20 minutes. The machine was also inoperable for at least 2 days. I am asking for an investigation into who stole my money and I want it returned to me. Either the armored truck driver or the person who counts the money stole it.
Product: Debt collection

I have sent Bull City Financial Solutions a certified debt VALIDATION letter on XX/XX/2018 to verify a debt they claim I owe them and asked for evidence that bears my signature. They have failed to provide all I've asked for/ physical proof that the account is mine. I have also sent the company another certified letter informing that they violated my request and to have the account removed, still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following inquiries are fraudulent and needs to be removed : XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX )