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

I've tried to get this info corrected with all 3 reporting agencies. This collection from XXXX XXXXXXXX XXXX for {$930.00} is erroneous. I've always had XXXX XXXX XXXX 've spoken to XXXX in the past and I was assured this would be removed.I also confimed with XXXX XXXX XXXX there was no balance due on my part. I'm getting no where with this issue. I've been denied credit due to this incorrect information
Product: Credit reporting

I would like this charge removed from my credit reports because it has been changed over from XXXX to XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home. 

I am currently paying the same account with XXXX XXXX XXXX. I would like to have XXXX XXXX / XXXX removed from my credit reports from XXXX, Experian, XXXX and XXXX. 
I would like to have XXXX removed from all reporting agencies : Experian, XXXX, XXXX and XXXX. 
I would like to have Home At Five removed from all reporting agencies ; Experian, XXXX, XXXX and XXXX.
Product: Credit card

I signed up for a GE Care Credit Card and was told that the loan would be interest free for 1 year. I had a {$30.00} balance ( from a {$2000.00} ) loan remaining and they proceeded to charge me on the notional/original loan amount and charge me a predatory interest rate on the original balance without my knowledge. Subsequent to this I took out another loan on the same card and all of the money was used to pay down the XXXX loan and I continued to get charged an astronomical amount of interest. When I tried to discuss this with their representatives, they could n't explain it. I made a minimum payment of over $ XXXX/month and most of that was going to interest, when it should have all been principal. It is to my understanding that GE was ordered to payback {$34.00} to others like myself who were operating under the same false pretenses.
Product: Vehicle loan or lease

On XX/XX/ 2018, we made the initial payment on our auto loan from Ally in the amount of {$440.00}. We used our XXXX online bill payment service. Several days later we got an email from Ally saying our payment was past due. After calling them, we decided to pay the initial payment again and work on resolving the problem hoping to get a credit. We consulted with our bank, who provided a proof of payment letter for Ally, which we faxed to them, along with proof that we were the owners of the bank account. We have since talked to Ally on the phone, used their online chat, and sent faxes with the documentation of proof of payment and have been told that the situation would be rectified but to date nothing has happened.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Identity Theft Notification Dear XXXX XXXX XXXX, I am writing to formally report an incident of identity theft involving my account with XXXX XXXX. My FTC number is XXXX. 

I recently discovered that my personal information has been used without my consent. I never applied for any credit with XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX - Account Type : Revolving account REVOLVING - Account Type - Detail : Revolving account Credit Card - Bureau Code : Individual account Individual - Account Status : Closed Closed - Monthly Payment : {$0.00} - - Date Opened : XX/XX/year> XX/XX/year> - Balance : {$0.00} - - No. of Months ( terms ) : - Revolving - High Credit : {$880.00} {$880.00} this company. I want this to be removed from my credit report, because this is FRAUD I have filed an FTC report XXXX ACCOUNT NUMBER XXXX Please let me know how you would like to proceed in resolving this matter. I appreciate your prompt attention to this serious issue. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For background : in 2015 I was going through a divorce and needed to get rid of my ex-wife 's car under my name. I talked to XXXX ( XXXX XXXX XXXX ), and they said I could take this car back to the dealership essentially, " give it back. '' I did this at the end of 2015, taking the car to XXXX of XXXX in XXXX, Maryland. Two month later, XXXX sent me a letter saying the car would be " repossessed and sold at auction '' if I didn't make payments, and a month later the car was sold. At this point they had already had possession of the car for 3 months and had stopped sending me bills so this was confusing. I spoke to XXXX XXXX XXXX, the woman said they sold it, sold off the remaining debt, and I owed them nothing. She also said I didn't own any third party debtor, that as far as they were concerned the account was closed. 

Fast forward 6 years, and no one has ever contacted me for any debt. I have no current account at XXXX, and they can't even look me up by my Social Security Number. Yet, All 3 credit bureaus showed there was about $ XXXX ( the amount written off ) balance, but {$0.00} owed. This was fine, except one of the credit bureaus showed a monthly reported payment status and I was trying to correct this. 

Using the XXXX XXXX app, I disputed the current balance at XXXX. It should have been a {$0.00} owed balance. They looked into it, and in the end they decided the balance was correct and changed it to an ACTIVE account, making my credit score drop 124 points! The problem here is I'm currently in escrow and buying a home. I close in 2 weeks and this puts my home purchase in jeopardy. I reached out to XXXX but since I'm currently on a work assignment in XXXX XXXX, XXXX, I'm only able to reach them through XXXX messages. I haven't gotten a response there so far. 

Please help! Not only is this a closed account, but I owe {$0.00}. I have no idea who I would even owe this to. It's not XXXX - I checked. No one else ever contacted me for any debt. It's a complete mystery and should be off my account.
Product: Bank account or service

Hello, I opened my account with M & T Bank on XXXX XXXX. I have a mortgage with this company as well. I went to a trip to XXXX XXXX recently and use the app " XXXX '' I did not know that I had linked my M & T Bank to the app, and I used the service. I thought I was paying from my XXXX XXXX account. They online banking website had been down for a while so I could not check my balance for M & T bank. When I checked on XX/XX/XXXX, my account had a overdraft balance of {$370.00}. I am being charge XXXX ( so far no sure if they will assets more fees ) overdraft fees at {$38.00} each for transactions as small as {$3.00} the largest {$8.00}. As of today ( XX/XX/XXXX ), I have not received a notice of overdraft. When I opened the account online, I was not ask if I wanted to " opt-in '' to overdraft services. I called M & T Bank to ask for an explanation and for refund of the over {$300.00} dollars in fees I am being charged on fees alone in the meter of 3 days for transactions the added up to {$60.00} dollars. The customer service rep said that there is nothing they can do and that I have to pay the fees. This is a violation of the " H.R. 1261 Overdraft Protection Act of 2013 '' approved by the 113th congress. Specially, SEC 4 " 140B.secition ( i ) OVERDRAFT COVERAGE LIMITS - I should not be charged more than one overdraft fee a month and no more than 6. Also, " the amount of any overdraft coverage fee that a depository institution may assess for paying a transaction shall be reasonable and proportional to the amount of the overdraft '' M & T bank is essentially trying to steal my money by charging me all of this unfair fees and in violation of the " Overdraft Protection Act of 2013 '' Please any help you can provide will be appreciated. I am not willing to pay the abusing and excessive fees that M & T bank is trying to make me pay. 
Thank you and please let me know if you have any questions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX USING XXXX5 USC 1681A2 I didn't give written permission to have those accounts furnished on my report. 

Account name XXXX XXXX XXXX ORIGINAL CREDITORXXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX CLOSED ACCOUNTS I NEVER OPEN OR APPLY FOR. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX AND THERE IS XXXX INQUIRIES THAT I NEVER EVER RUN MY CREDIT FOR ANYTHING BECAUSE I KNOW MY CREDIT IS BUILDING NOW. 

AND THERE IS XXXX HARD INQUIRIES THAT I NEVER EVER PULL OR RUN MY CREDIT. 

EXPERIAN. 
ALL THIS ACCOUNTS SAY CLOSE I NEVER OPEN ACCOUNT WITH THIS BANK. 
XXXX XXXX. 
XXXX XXXX. 
XXXX. 
XXXX XXXX 
XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THIS ACCOUNTS I EVER OWN IN MY LIVE. 

HARD INQUIRIES XXXX THAT I NEVER APPLY FOR AT ANYTIME.
Product: Credit card or prepaid card

Summary : I purchased a patio set online for {$370.00} at Kohl 's on XX/XX/XXXX using Kohl 's credit card. The patio set was received damaged on XX/XX/XXXX, and returned to Kohls on XX/XX/XXXX. On XX/XX/XXXX, I received a credit on my Kohls card for {$300.00}. I called Kohls on XX/XX/XXXX to find out why I received an incomplete refund on the return. The representatives and finally XXXX, the manager, repeatedly stated that I would receive {$70.00} in Kohls XXXX instead on my full refund, since I already used the {$70.00} I received on the patio set purchase. But, I did not use the {$70.00} Kohls XXXX. Background details : Based on my XX/XX/XXXX purchase amount, I received {$70.00} in " Kohl 's XXXX '' that was valid XX/XX/XXXX - XX/XX/XXXX. I placed an order on XX/XX/XXXX using the {$70.00} Kohl 's XXXX ''. The next day the patio set was received damaged. When I spoke with Kohl 's on XX/XX/XXXX, to discuss the return of the damaged patio set, I also asked if they could cancel my XX/XX/XXXX order that I used the Kohl 's XXXX  on, since I knew Kohls policy would be to charge me {$70.00} cash ( because of the return ) if I didnt cancel the order. They said since the stores were closed, the only option is that the order would cancel automatically if I didn't pick-up the order curbside. I received notice on XX/XX/XXXX that Kohls cancelled this order which used the {$70.00} Kohls XXXX. Once this order was cancelled, the {$70.00} Kohls XXXX was in fact not used, and I did not in fact earn {$70.00} cash on the patio set after it was returned. I find it unethical, and may illegal, that Kohls is receiving my money and returning it as Kohls XXXX and will not provide me with a complete monetary refund on my returned purchase.
Product: Credit reporting or other personal consumer reports

For over XXXX  knowing years I've been attempting to detach my identity from this account with the company CCM Finance. I noticed about XXXX  years ago that a car repossession was appearing on my consumer report. I had no idea where it had come from, or even how to remove the account from my consumer report. I was unfamiliar with the credit reporting process and didn't even fully understand how credit worked or even purchasing a vehicle. I have always purchased everything in the past with cash and I didn't even own a credit card up until about a year ago. After furthering my research on credit monitoring, I began researching on how I could make contact with the company CCM Finance to make them aware that I did not do business with them or request services from them. The person or institution that brokered the deal with CCM Finance was able to obtain an auto loan in the amount of {$27000.00} without my consent. This is a known fact and for about 41 months I've been dedicated to detach my identity from this matter, as it appears to be fraudulent. I have contacted CCM Finance on numerous occasions, and no one has corresponded back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly submitted a request to remove this account. It is stale dated and exceeds the statute of limitations. It was agreed that when I paid the account in full many years ago, that it would be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion credit reporting agency for failing to resolve a dispute regarding an unauthorized hard inquiry on my credit report. Despite my formal request for investigation and removal under the Fair Credit Reporting Act ( FCRA ), TransUnion has not taken appropriate action. 

Unauthorized Hard Inquiry : Creditor/Company : FACTUAL DATA Date of Inquiry : XX/XX/XXXXXX/XX/year> Credit Bureau Involved : TransUnion Violation of FCRA : Section 604 ( 15 U.S.C. 1681b ) : The inquiry does not meet permissible purposes, and I never authorized this inquiry.

Section 609 ( 15 U.S.C. 1681g ) : I formally requested validation of the inquiry, including written proof of my consent, but TransUnion has failed to provide sufficient documentation.

Section 611 ( 15 U.S.C. 1681i ) : TransUnion has an obligation to investigate disputes and remove inaccurate or unverifiable information. To date, they have not removed the unauthorized inquiry. 
Impact on My Credit Report and Finances : The unauthorized inquiry has caused harm to my XXXX XXXX, affecting my ability to secure favorable credit opportunities. XXXX failure to address this matter undermines my rights under federal law and exposes me to potential identity theft.
Product: Vehicle loan or lease

I contacted Capital One to send my lien release for the loan I paid off. Capital One instead sent me a lien release of a prior " re-financed '' loan which indicated that the lien was released to a different company ( which it was at the time ). However, I ultimately refinanced the same loan with capital one again and then paid it off. 

I need the final payoff title and lien release for the second loan I've had with capital one. 

When I called capital one autofinance and went through the prompts - the prompt indicated they could not take my call right now and hung up on me. 

I need the FINAL payout lien release and title sent to my attention as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested A copy of my Chex System report and notice 17 inquiries on my report. I disputed with Chex systems on XX/XX/2021 and some of the inquires have not been remove. Chex system didn't not provide me with any documentation showing that these inquiries were made by me.
Product: Payday loan, title loan, personal loan, or advance loan

Company is a scam. They claim to help your credit but they cost me XXXX points. I am on autopay and was never notified my autopay failed. They claim they sent emails to my email and i never received them. They reported me late for XXXX dollars and my credit dropped XXXX points. They refuse to remove the late payment. I asked to cancel and they are trying to make me pay XXXX dollars when i never recalled signing any contract with them saying i had to pay for 24 months a d couldnt cancel anytime. They have several bad reviews for these similar issues and I hate I ever got involved with this company.
Product: Payday loan, title loan, personal loan, or advance loan

making advance payments to my contractor ( XXXX XXXX ) prior to work being completed, permits taken, inspections passing and XXXX. My lender also did not do their due diligence PRIOR to paying the contractor. Now Dividend Finance is trying to put a lien on my house and demanding payments. 
There were many violations that XXXX XXXX violated and was obvious to Dividend Finance. I emailed Dividend Finance informing them that the panels were not properly installed and they ignored me. I also have requested documents to be sent to me on my complete file, proof of installation meeting each milestone ( per loan contract ) and any documentation giving Dividend Finance permission to pay XXXX XXXX in advance without my consent. I also asked for documentation giving Dividend Finance authority to accept loan payments from XXXX XXXX on my behalf. ''
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX balance {$0.00} account # XXXX 30 days late in XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not dispute anything on XXXX online the system continues to give me error messages. I sent legal documentation of my name change and none of credit bureaus updated it correctly or accurately. I can not access XXXX at ALL. 

I was a XXXX  XXXX relationship last year. Financially burdened by debt due to XXXX  XXXX. 

I am trying to dispute XXXX XXXX but the system will not let me for the amount of {$860.00} My legal name change wiped out my credit report along with the XXXX  XXXX. 

I am trying to relocate and denied housing due to my credit report. 

XXXX and Transunion both did not update my legal name in their system. It should have me listed as XXXX XXXX ( XXXX XXXX XXXX )
Product: Checking or savings account

I have tired over and over for about 2 years to fix this problem, I feel as XXXX XXXX XXXX XXXX XXXX, I know personally a colleague with the same issues me the difference is she is white and I am XXXX, we started sending documents the same time, she was able to re open her account I was denied, without anything, I have sent over every documents there is to send, I have faxed and came to the branch even emailed. By now yes this is discrimination, and XXXX XXXX because I am XXXX. My family served in the XXXX and DIED as well it is un fair for me not to share and account with this bank I mean unfair.
Product: Credit card

Since XX/XX/2023 I been a victim of fraud with Citi cards. I notified them that charges were made, and I didn't approved them or made them. Citi Cards canceled my cards and send me new ones with different numbers more than 3 times and one time they send me a card with another persons name and I called them to notified them about that issue and they said it was a mistake, that they send me the wrong card. I called so many times to the company and they never fixed the problem. They already affect my credit score because they send me to the credit bureau as if I was not making payments but I am not going to continue making payments on thing I didn't Charge. I even closed the account and they continue making charges. The Citi cards didn't knew what explanation to give me.
Product: Credit reporting or other personal consumer reports

Under Section XXXX of the FCRA, if a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must conduct a reasonable investigation and verify the item in question within 30 days. If the item can not be verified or is found to be inaccurate, it must be corrected or removed from the report. 

Experian has not conducted proper investigations into the disputed items on my credit report. I have disputed the accounts several times within the past two years. Instead, these unverifiable and inaccurate items remain, damaging my creditworthiness. This is a clear violation of Section XXXX XXXX XXXX XXXX which requires you to maintain the maximum possible accuracy of information reported.
Product: Debt collection

Portfolio Recovery has been attempting to collect a debt from me that I DO NOT OWE! I have provided proof from the original creditor, XXXX  XXXX, that this debt is FRAUDULENT, and in fact DOES NOT BELONG TO ME.
Product: Payday loan, title loan, or personal loan

Won't allow flex for renters to access my account
Product: Student loan

I am pursuing loan forgiveness through PSLF. I have been at XXXX out of XXXX necessary payments since XXXX of XXXX. I submitted a buy back reconsideration in on XX/XX/XXXX to pay XXXX eligible months from XXXX of which I should have up to XXXX that are eligible. I did not receive a buy back offer until XX/XX/XXXX and it showed that only XXXX of my XXXX loans were eligible for buy back when I strongly believe that all should qualify. I contacted customer service who said to reply to my offer email, which I did and included documentation that showed all of my loans should qualify. I did not receive any communication back. I was also told to submit a complaint, which I also did but have not received any communication back. I also submitted another reconsideration request and was sent the same, incorrect offer the next day so I submitted another reconsideration request after speaking with 4 other customer service representatives.
Product: Credit reporting or other personal consumer reports

Im writing to dispute and report instances of identity theft on my credit report, which i have identified as violations of my consumer law under 15 us code 1681 c-2, upon reviewing my credit report, i have discovered unauthorized accounts and inquiries that are the result of identity theft.

These accounts and inquiries were not initiated or authorized by me and therefore they do not reflect my true financial history or activity.

Under the fair credit reporting act section 695b and 15 us code 1681c2 I am entitled to request the removal of any inaccurate or fraudulent information from my credit report.

I am requesting that you remove these accounts and inquiries within 4 days from my credit report asap. 

Enclosed is copies of the relevant section of consumer law and supporting document of my identity. Provide updated of removal info as stated by law within 4 days. for the following account XXXX  account number XXXX, XXXX account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX  XXXX account number XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX Account XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US Code 1681 C-2 A consumer reporting agency shall block the reporting of ANY information in the file of a consumer that the CONSUMER identifies as information that resulted from IDENTITY THEFT, not LATER than 4 Business DAYS after the date of receipt by the agency. I have attached A copy of my FTC Report A copy of my ID This statement which contains the identity theft info.

In addition the information to block was not made in error by me the consumer, The block requested is NOT basis of a material misrepresentation of fact by me the consumer relevant to request to block, I the consumer did not obtain possession of goods, services or money. Please remove within 4 days or I will ; have to take further action by law as this is my 2nd request!!!!!!
Product: Debt collection

I received a letter from Credit Corp Solutions Inc Dba Tasman Credit Corp ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX regarding a XXXX account in the amount of XXXX. After numerous calls to Credit Corp and XXXX I was told by XXXX XXXX my account was paid in full and never turned to any collection agency.
Product: Checking or savings account

My first call to Discover was on XX/XX/22, a couple of days after I noticed that my checking and savings account was frozen. Since then, I have called a total of XXXX times, 6 of those calls being over 3 hours. I have spent a collective 20 hours on hold since XX/XX/22. After 3 hours and 2 minutes, the line get disconnected. I have tried to reach out to Discover through phone, their app, and multiple social media pages but have not been able to talk to someone who can unfreeze my accounts.