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

I have been requesting information on a car loan that was fraudulently put into my name by XXXX XXXX XXXX XXXX ( XXXX ). I have been requesting the following information for 5 years. XXXX ignores and purposely sends what they want. I requested information per the attached memo dated XX/XX/XXXX and I received the attached. It is not what I requested. Why? Does that look like what I requested? XXXX  XXXX XXXX XXXX is illiterate or playing games. 
A careful examination of the permissible permission and the credit report will reflect the fraud. THAT IS WHY I NEED IT! When I became aware of the forgery, fraud, etc etc, I immediately filed a sheriffs report on XXXX XXXX XXXX XXXX XXXX as reflected on the application. Which I have sent XXXX multiple times! The presidents office of XXXX XXXX XXXX XXXX informed me I need an affidavit PLUS sheriffs report reflecting XXXX with VIN number which I was not aware of in XXXX and did not know to do when I filed the sheriffs report. Therefore, I have sent convictions and police reports on XXXX XXXX XXXX XXXX XXXX reflecting forgery, false pretenses for many cars. XXXX XXXX is even listed on the application! AS FURTHER PROOF, my personal information was accessed WITHOUT MY PERMISSIONS one day prior to an INCOMPLETE application. The incomplete application should not have been processed at a minimum AS EVEN STATED AT TOP OF APPLICATION. 
PLEASE READ THE FOLLOWING REQUEST AGAIN CAREFULLY. Again, I request : Copy of dated Permissible Permission used to pull my credit report on XXXX Copy of Credit Report pulled on XXXX. 

XXXX  XXXX XXXX XXXX based their decision upon the credit report and I need the credit report pulled XXXX. In addition, I need the permissible permission used to access my credit.
Product: Debt collection

I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. However, there are several credit cards where I was added on as a user only, and its time that I request the removal of my name off of the accounts of my husband XXXX XXXX. I also demand the deletion of these accounts from every pertinent credit reporting agencies, XXXX, XXXX  and XXXX XXXX respectively. I believe its necessary to file my notice through the Consumer Financial Protection Bureau, as I do not see these creditors working fairly or quickly. Accordingly, I request the deletion of these items from my credit bureaus and the purging of my information with each financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the credit reporting act this creditor has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 A states consumer reporting agency can not furnish an account without my written instructions 15 USC 1666 B a creditor may not treat a payment on a credit card account under and open under consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and NOT accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow a reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts " 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 ; are not complete and accurate. 

And XXXX more thing according to 15 USC 1681-s 2 A person shall NOT furnish information relating to a consumer or to any consumer reporting agency if the person knows reasonable cause to believe the information is inaccurate.

Check the comments attached.
Product: Mortgage

XX/XX/2019 XXXX year old was diagnosed with XXXX, he stayed in the hospital x 2 months. I notified penny Mac of hardship no options were offered denied need for forbearance. I eventually picked up second job to catch up. In XX/XX/2019 my son fell really XXXX from XXXX and stayed in the hospital until XX/XX/XXXX. My son was seriously XXXX near   XXXX unable to go to work during this time had approved leave of absence without pay mostly, explained to penny Mac they didnt care or offer any assistance until Covid-19. I have written them and asked if they could delete the late payments since account is in good standing and provided medical documentation from my sons XXXX and hospital stay during the months the payments were late, I received no response. Can you please assist? Im asking for forgiveness if the late payments can be deleted due to my previous hardships?
Product: Checking or savings account

My business account is being manipulated by the bank so that when my checks come in to get paid, the bank freezes and holds the money without paying the check demands. In other works, they 're holding my checks for XXXX to XXXX days for security reasons and allowing electronic trsnsferes to bounce without covering the amounts, even when there is money in the account.
Product: Checking or savings account

Past 24 months also taking money from my account that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance - ; LXXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXXXXXX XXXXXXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX
Product: Money transfer, virtual currency, or money service

Was trying to register for an event titled the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX NJ as a XXXX  XXXX XXXX XXXX, XXXX misrepresented herself as being affiliated with the event. I transferred {$87.00} to the above email address via PayPal. Subsequent to making the payment I was informed that she was not a representative of the event and was a scammer.
Product: Credit reporting or other personal consumer reports

I made various attempts to submit proof to remove inaccurate information from my credit reports. Im attaching all documentation submitted to the bureau. They are violating my right to have accurate information reporting on my credit report. As such, they need to rectify immediately.
Product: Credit reporting or other personal consumer reports

I requested for Equifax to send me my credit report. I sent a copy of my current driver 's license and proof of my address. It has been on 30 days and I have not recevied my credit report.
Product: Checking or savings account

A transaction of XXXX dollars was used from my debit card at a XXXX location. I received an alert from the bank that my debit card has been used and that it was a PIN transaction. I called in to report it immediately but my claim was denied. I had filed a police report as well and provided this information but still nothing was done to return my funds. The transaction wasnt authorized because I had lost my card and the bank refuses to even consider the fact that it was fraud.
Product: Student loan

I have not received any rate reduction information, my loan has not gone down since my start day of payment, which was back in XXXX. 
After numerous phone calls to Navient, and put on hold and put on hold for extended time ( 30 or more mins ), with every phone call if I was not cut off completely. All my loans were variable and taken out between XX/XX/XXXXto XXXX. My loans were with XXXX XXXX, which were then sold to Navient. 
Since XXXX I have yet to receive any rate changes to my loans, with one as high as 12.75 %. Every time I ask for a supervisor I am cut off.
Product: Checking or savings account

I transferred money from one of my banks to my Truist bank account. After doing so, they blocked all withdrawals and debit transactions on the account. They only allow deposits to the account. Ive tried to close the account or have a support member return my funds but they told me I have to visit a local branch. I live in a state where there are no Truist branches and I have told them that but they told me I have no other option. I had no written notice or text/email stating my account was in deposit only status.
Product: Credit reporting or other personal consumer reports

Transunion sent me a document stating that they have deleted ALL of the below listed Hard Inquiries from my consumer credit report- For which my Transunion consumer report still displays every hard inquiry that it claims have deleted. 
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 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
Product: Credit reporting or other personal consumer reports

PLUSFOUR INC. Has mistakenly reported that I owe over XXXX $ to the original creditor XXXX  XXXX the account number is XXXX the date it was opened is XX/XX/year> but I payed the amount owed in full to the original creditor XX/XX/year>. With that being said it was wrongfully put on my credit report because I dont owe them anything and I have the proof that it was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL YEARS AGO MY PERSONAL INFORMATION WAS COMPROMIZED THROUGH XXXX DATA BREACH. I HAVE RECEIVED A LETTER WHICH SAYS TO BE AWARE SO MY IDENTITY WAS COMPROMIZED. AFTER A YEAR I HAVE RECEIVED SEVERAL LETTERS FROM DIFFERENT COMPANIES THAT I HAVE OPENED AN ACCOUNT WITH THEM AND DID NOT PAY UNDER SOME FRAUDULENT ADDRESS. I HAVE CALLED AND NOTIFIED ALL THESE CREDITORS AND ALSO I HAVE CONTACTED THREE MAJOR CREDIT BUREAUS AND ADDED A SEVEN YEARS FRAUD ALERT. CREDIT BUREAUS ADVISED ME TO GET AN IDENTITY THEFT REPORT AND FORWARD IT TO THEM SO THEY CAN BLOCK THESE FRAUDULENT INFORMATION. IT HAS BEEN OVER SIX MONTHS THAT I HAVE FORWARDED THEM ALL THE REQUESTED INFORMATION BUT CREDIT BUREAUS REFUSED TO BLOCK OR REMOVE THESE FRAUDULENT INFORMATION THEY NEVER SENT ME ANY RESULT OF INVESTIGATION. I HAVE CONTACTED THEM BY PHONE AND BEEN TOLD THAT THESE INFORMATION WILL STAY ON MY REPORT FOR SEVEN YEARS. THESE FRAUDULENT INFORMATION IS REALLY HURTING MY CREDIT RATING AND MY LIFESTYLE. 
I HAVE JUST BEEN A VICTIM AND NOW SUFFERING BECASUE XXXX COULD NOT PROTECT MY PERSONAL INFORMATION. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING A ACCOUNT WITH XXXX SINCE XX/XX/2021. XXXX REFUSED TO CONDUCT A INVESTIGATION AND KEEPS SAYING THE ACCOUNT IS VERIFIED. I HAVE FILED A COMPLAINT WITH THE XXXX AND THEY HAVE NOT RECEIVED A RESPOND FROM THE COLLECTION COMPANY. I HAVE SENT LETTER OF VALIDATION FOR THIS ACCOUNT AND HAVE NOT RECEIVED ANY RESPONSE BACK. THIS ACCOUNT HAS BEEN DELETED FROM XXXXXXXX AND XXXX  DUE TO NOT BEING ABLE TO VERIFY. HOW IS IT THAT XXXX IS ABLE TO " VERIFY ''.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is a victim of identity theft Equifax failed to protect my consumer rights according to section 605b of the fair credit reporting act and did not remove these accounts or inquiries Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And all the inquiries were not removed Im now filing a legal suit against Equifax
Product: Credit card or prepaid card

I opened an account with Capital One with the understanding that there was a rewards program. I have now accumulated {$440.00} that I would like to be paid. I have requested multiple times that they send me this money however they claim there has been fraud on the account. I can see no such evidence of any fraud. They initially asked me to take pictures of my drivers license and send these to them via text, which I did on multiple occasions. They claim that they did not receive these images. Then they said that I could send them a copy of my drivers license via email however they have never sent me an email that I could respond to. It has become apparent that Capital One has no intention of paying what they owe me and furthermore every time I try calling their XXXX number I end up on hold for 30 minutes or more and their customer service personnel are less than helpful. One could say that they go out of their way to be difficult. At this point I am closing my account with them but feel that I have been scammed out of {$440.00} and am owed that amount plus damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that do not belong to me. These accounts are stopping me from getting my dream home. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX US DEPT ED XXXX XXXX US DEPT ED : XXXX DPT EDXXXX : XXXX DPT ED/XXXX : XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting

I have not been able to obtain my credit report or score for over a month. The last time that I could access my credit report was XXXX/XXXX/2016. Since that time I have called everyday to try to get this corrected and I have not been helped. I have spoken to supervisors within the credit monitoring department and they have placed a total of XXXX tickets to have this resolved and keep promising me that it will be, however it never has been. I have been promised phone calls back countless times to tell me why I could not access my credit report and when it would be corrected, but not one person has called me back about this. When no one called me back I contacted the corporate office and was then promised a call back from them as well. I never received a call back not from anyone. I then contacted XXXX XXXX XXXX the Vice President of Information Services with Experian and requested that she call me back on two occasions, and she never called me back. I sent 5 emails to XXXX XXXX XXXX requesting that she call me back, but she has refused to call me back. I have been in contact with more that XXXX people at Experian and explained that I am not able to access my credit report since XXXX/XXXX/2016 and requested help from all of them and to date not one of them have assisted me and not one of them has even bothered to call me back. 
This presents breech of contract because I paid for a service that I ca n't use. I have also been provided this service as a part of a security breech at a company to help monitor my my credit because of the breech, and this service is not working so this is yet another breech of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

A 30 day late was incorrectly placed on my credit report and I have placed countless calls to Mechanics Bank to try and rectify this error. They continue to lie and cover up their mistakes and not letting me speak to a supervisor who the customer service agents say that is the only way to fix the issue but they are never available. I've asked them to " run their tapes back for quality assurance '' but that request is also ignored. 

I have not received a statement from Mechanics Bank as they have the incorrect address on my account. The listed address is in XXXX XXXX, Az. I do not nor have I ever lived in XXXX XXXX, Az. I did not give Mechanics Bank that address. I have not been properly notified of any billing concerns or regular statements. Pursuant to consumer Fair reporting act 1026.5 ( b ) ( 2 ) and 5 ( b ) ( 2 ) ( i ) my rights have been violated. I am requesting immediate reversal of the improperly reported to all credit bureaus.

As the lien holder, they should know my address associated with the DMV, registration and car insurance is still in CA. My primary address which is also my DMV registered address and a home I own. NO other creditors/car loans made this mistake. ONLY MECHANICS BANK. 

Per Customer Service rep on XXXX the reason Mechanics Bank changed my address was because a change of address came in on XX/XX/2021 for the household of a sold home. This is also incorrect because the home wasn't sold until XX/XX/2021. Even if that is the case, Mechanics bank changed my account information without verifying it with me, the borrower. 

I've asked several times for a curtesy reversal/corrections as my car is now paid off with this predatory bank. The customer services agent says " no because we've left messages for you and your account has been passed due before ''. Regardless if my account has been passed due before, this filing is inaccurate and I have not received statements and therefore should be removed from all bureaus.
Product: Credit card or prepaid card

Hello! This situation with Citicards started earlier in XXXX when I tried to make a payment. I was traveling for work in XXXX beginning of XXXX. My payment was due on XX/XX/XXXX and that was the day I was scheduled to fly back to XXXX. Tried to access the site several times on XX/XX/XXXX and kept getting this message which I am still currently getting 21 days later! 
We're sorry. Citi.com is temporarily unavailable. 
Citi.com and Citibank Online are currently unavailable. If you need immediate assistance, please call XXXX ( TDD/TYY : XXXX ). We apologize for any inconvenience and appreciate your patience. 

The next day XX/XX/XXXX I contacted them at the number listed above - they said my account was flagged because they thought there was fraudulent activity since I tried to use my card in XXXX for a travel expense. I confirmed I did try to use the card. They cleared my account and was able to logon to pay. I told them I do not want to be charged the late fee since this was technically not my fault. They agreed and told me I need to call back after XX/XX/XXXX and speak to a customer service rep to check to make sure it is off account and the fee is canceled. Their site has been down since. XX/XX/XXXX was the last day able to get into online account. I tried to access through mobile app which seems to be working but I can not get in touch with citi via phone or through the messaging in the app. Every time you call it makes you go through all these prompts for 5 mins and then loops you back and says sorry please call back. This has been going on for weeks. Tried to message them through app XX/XX/XXXX afternoon to find out about the site being down still plus what they are doing for people affected by covid. Didn't message me till next day with a tiny window to respond to their message and I was unable to respond in the 4 min window they gave me because I was on the phone with work! No response after I sent another message saying how disappointed I was with their customer service. Messaged again today XX/XX/XXXX since my payment is due soon and I want to follow-up about that late charge being taken off my account. Same situation when I call - spent 5 mins going through prompts to be told to call back and then get disconnected. Tried to message again through app and 20 mins later still nothing. This is unacceptable. I think everyone is understanding given the climate of what is going on that there will be wait times but to not have the option for a actual call back is ridiculous you should not just be cutting people off the line with no option. Also the fact that their site has been down for like 3 weeks is unacceptable and the messaging through the app is poorly done. I feel like I am making all the effort to be a responsible card holder and making my payments and it is terrible I have to do all this extra work to just to protect my credit especially when this situation was not my fault with that late payment. Citi needs to be adult and take responsibility. I have seen similar complaints online through various sites with Citi. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want equifax. I want my Equifax account to also show that this is been closed out and posted as current status with the credit are updated to XXXX  fax current status to update my XXXX account to XXXX balance is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXXXXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Employers : XXXX Employers : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXPrevious Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Checking or savings account

I called XX/XX/21 to get an update regarding my dispute for the XXXX XXXX concert in XXXX, FL that was cancelled and postponed due to COVID. After providing supporting documents on four occasions, I thought the matter was resolved. Unfortunately, the rep stated an email was sent requesting the invoice, name and location of the event along with something that shows the show was canceled/postponed. I did not receive any additional request and am being made aware of this today. I am hoping these final documents can resolve this year long catastrophe. I am now being penalize for navy federal mistake. Instead on issuing a temp credit while they figure out whats going on with their system they take the little bit of help I received on the day it was deposited into my account.