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

On XX/XX/2020 I mailed out a letter to Transunion Consumer Reporting Agency in regards to several accounts that never belonged to me that I noticed on my credit report. It has not been over 60 days I haven't received any correspondence from Transunion since my initial dispute. My dispute included accounts XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX. My identity theft report # XXXX was clearly documented outlining specific details regarding my dispute. Since the mail was not returned to me I can only assume Transunion has failed to abide by the Fair Credit Reporting Act by not responding within 30 Days of my initial dispute. Instead of responding to this complaint by saying they will initiate a dispute, Transunion must comply by removing the accounts in question that are mentioned above from my credit report. This is the law and there should not be any exceptions.
Product: Credit card or prepaid card

I previously contacted synchrony bank CareCredit in response to noticing a charge that was not authorized by myself XX/XX/XXXX. I gave them all of the information regarding my personal information and everything that they asked me for in terms of helping them to do a thorough investigation. The charge was initially taken off of my card and then it was reversed in XX/XX/XXXX. I am now having the same exact issue on XX/XX/XXXX. There was a charge made on my card that has no merchant name it just has a city and state of XXXX Ohio. This is not a charge that I am aware of it is fraud. I have made no purchase in this amount of {$2300.00}. What also concerns me is that someone is able to fraudulently obtain my information and make these charges to my card I have expressed my concerns with CareCredit, Synchrony, Bank and I am not getting the support. I feel that I need to ensure that my information is being protected, I have had a fraud alert, put on my my credit report because I have been a victim of identity fraud in the past. However, it is very concerning to me as a consumer that I keep getting my information compromised, and these fraudulent charges are being made. I originally initiated a claim with the ftc.gov which brought me to the CFPB. I also am in the process of going to the authorities to file a police report because I am now becoming a victim of identity, fraud, and Internet crimes more often I am comfortable with something have to be done about this as a consumer we do not deserve to have our information stolen and charges made and then we are responsible for this. I also hold the company is responsible for making sure that we are not liable for any charges that were not authorized by us.
Product: Credit reporting or other personal consumer reports

i paid balance in full XX/XX/2024 the company agreed to have account deleted on credit report
Product: Mortgage

XX/XX/2020 Sold the property and closed on XX/XX/2020. Escrow account had a balance of {$6700.00} and change, due to be reimbursed to me from the lender. According to their policies this check was to be processed and sent to me within 20 days of the mortgage account being closed. They claim a check was mailed on XX/XX/XXXX. This check was never received. They now claim to have sent another check in midXXXX which has also NOT been received. 76 plus days have elapsed from the closing date as of today. I am monitoring all mail via the USPS notification system daily and have not received either of these checks at the old address or forwarded to my new address.

Account information : PennyMac Loan Services ; account # XXXX ( closed XXXX address : XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 a fraudulent charge was made to my account with Truist. I asked to close the account agent she said she wouldn't be able to credit the charge back if I closed the account. Instead she debited the charge back to the card and then closed the account. She then reopened the account, credited the charge and now I have two cards feeding into the account. I was told they were investigating it and nothing could happen for 60 days and then it would be closed. Nothing happened in 60 days. I was never mailed any notice of an investigation. I have spoken with at least 20 people and I get a different excuse each time. I have closed all my accounts with Truist but this one credit card account, which now has two monthly statements being printed every month, is still open with a balance on both, which is earning interest. The balance from one needs to be credited to the other and it would cancel out the balance on the account. There are two debits and one credit ( one debit is a bank adjustment ) which appears on my online statement and also separate on a statement. The debit shown on my online account where there is a debit adjustment is the same as the one on the XXXX statement all by itself. I am being told that is not a real charge, it never affected my account. Well it is affecting my account now, because I am being charged interest on the invisible debit.
Product: Credit reporting or other personal consumer reports

XXXX IS REPORTING INACCURATE INFORMATION ON MY REPORT. XXXX IS NOT THE OWNER OF THIS ACCOUNT AND THEY ARE FRAUDULENTLY TRYING TO COLLECT, SEC FILINGS PROVE THAT CREDIT ACCOUNTS ARE TRANSFERRED INTO A TRUST AND ARE SECURITIZED THE DATE OF THE ACCOUNT OPENING DATE THE ACCOUNTS ARE TRANSFERRED/ASSIGNED INTO A TRUST, SECURITIZED AND TRADED AND NEVER TRANSFERRED/ASSIGNED BACK TO DISCOVER. IF XXXX CAN NOT PROVIDE A CHAIN OT TITLE PROVING THAT THE DEBT WASN'T SECURITIZED THEY DO NOT HAVE THE AUTHORITY TO COLLECT AND REPORTING IT TO EQUIFAX XXXX XXXX IS VIOLATING MY RIGHTS. DELETE THIS ACCOUNT XXXX
Product: Vehicle loan or lease

We were sold a XXXX  XXXX XXXX from XXXX XXXX that had a factory defect in which it was easily stolen. The loan is in my name and my son, XXXX XXXX. My son is a veteran. This is a poor way to treat a veteran. On XXXX XXXX the car was stolen and totaled. We still have the loan to pay for. No insurance will pay for it. We were rushed through the paperwork because it was closing time at the dealership and was not given the time or opportunity to read the paperwork. We purchased GAP insurance and roadside assistance. The wheels were stolen XXXX month and no one would pay for this so we spent {$2500.00} out of pocket for tow and rental and new wheels and tires with wheel locks. Now we are stuck with a car note we have been paying since it was stolen in XXXX because 3 insurance companies refuse to pay including the gap. The gap insurance that we bought refused to pay because the XXXX value of the car is more than the remaining balance of {$16000.00}. So we are either stuck with paying for a car the XXXX boys gang stole and wrecked or we can ruin our credit. I have every piece of paper involved in this but I dont know what you need. Feel free to contact me to provide the information you need. Can you help any?
Product: Credit reporting or other personal consumer reports

Transunion and XXXX are reporting inaccurate information on my personal credit reports to others. I have filed CFPB complaint and the FTC reports which I have provided to them more then twice. They still are reporting fraudulent XXXX accounts on my reports despite me giving all information contrary to their claims. 

I have called, mailed, uploaded all pertinent documents and requested information at twice over past XXXX  days. I have called multiple times to verify their receipt of request to delete block and remove all inaccurate information with regards to the XXXX XXXX XXXX XXXX accounts. 

I have had inquiries on my credit reports allowed even though I have credit freeze and locks on my credit reports. 

I need to have them follow the rules and laws of procedures regarding my credit reports account accuracies. I need help with this as they keep telling me they do not have my FTC reports or CFPB reports supporting my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting 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 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 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 XXXXXXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

We have been paying our credit card for over five years and were recently alerted that we have been taken to a small claims court. We have contacted the attorney representing them, contacting American Express ( said they are researching it ) and contacted XXXX XXXX XXXX ( nonprofit counseling service ) who pays our credit card bills. It has been several weeks of contacting all three companies and even just sent the attorneys screenshots/proof from Amex 's website clearly showing 14 consecutive monthly payments ( see attached ) from XX/XX/XXXX to XX/XX/XXXX with no missed payments. 

This is clearly an abuse of power and very unethical for a bank to have this type of power without any type of reasoning and or proof for arbitration. 

We need the federal government to assist us with this great abuse of power from this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING FRAUDULENT ACCOUNTS WITHIN 4 BUSINESS DAYS OR LEGAL MATTERS WILL TAKE PLACE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I traded in a XXXX XXXX XXXX that was financed thru Ally Finacial at XXXX XXXXXXXX XXXX XXXX XXXX for a XXXX XXXX By XX/XX/XXXX Ally finicial stated they never receievd payment from XXXX XXXX  XXXX I than called XXXX XXXX  XXXX and they stated a check was sent out to Ally in XXXX XX/XX/XXXX Ally stated they still did not recieved payment from XXXX XXXX I than filed a complaint with the Better Business Bureau stating this activity as well as I reach out to XXXX XXXX telling them the issues XXXX XXXX than investagted and was shown that a check was sent to Ally Financial within XXXX of the vehicle being traded in by ALLY did not cash the check in a timely fashion XXXXXXXX XXXX XXXX than issues another check by than Ally had already issuesd me 60 days of late payments on the behalf of there negligence I have reach out to them many time to remove the late payments as the vehicle was no longer in my possession
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Please have an actual human review these documents and think! Someone must review this. You all keep sending me automated verified letters that are clearly not accurate! This account needs to be deleted as the creditor is abusive and threatening and clearly keeps changing its story and details such as original amount. And you all are just following whatever they say. This is the point when more responsible credit reporting companies would delete the record. I expect the same from you. 

Notice that in the attached letter from XX/XX/XXXX XXXX XXXX acknowledges the lease term was paid in full. They attacked an additional charge of XXXX after the lease was finished. Its NOT part of the original amount as they have reported to Experian. They have are so inconsistent with the dates and amounts on this lease. The original lease is finished and paid in full. If they want to try and rob me of more money by claiming the fraudulent charges of another XXXX they need to delete the original record from my account then add another record to the credit report as they have threatened. These predators are evil and are agents of XXXX. Stop letting your hands be used by the XXXX! If you refuse to delete these records and stop empowering this predatory lender to keep abusing me, understand you will answer for this in the day of Judgement. 

Please delete this now! Its not accurate and should not be on my credit report because this creditor is clearly lying and trying to extort money from me. I will never give them any money. They can send all the letters they want. They won't send this to court because they know they will lose! XXXX if you refuse to delete this, I ask you to send your lawfirm to file this. They will tell you to drop this and leave me alone! I hope you arrogant monsters fall into the legal trap and do something so I can expose what you and that dealership did to me. I have found other victims and will be working on a class action against you for your leasing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am with XXXX XXXX ( R-ID ), Chairman of the Senate Committee on Banking, Housing, and Urban Affairs in demanding answers from BofA and XXXX about their recent anti-gun activity. I quote his XX/XX/XXXX comment : It is deeply concerning to me, he wrote, when large national banks which receive significant forms of government support and benefits, use their market power to manage social policy by withholding access to credit to customers and companies they disfavor. 

XXXX also raised the issue of the banks collection of personally identifiable information ( PII ) and how it might be used to monitor and deny financial services to individuals and companies who are engaging in completely legal and, in this case, Constitutionally-protected activity. He additionally sought further information about the banks restrictive firearm policies and any other legal transactions, industries, and businesses they disfavor, prohibit, or boycott. '' I am very concerned if banks seek to replace legislators and policymakers and attempt to manage social policy by limiting access to credit. I have been a BofA customer for years and will look into changing my banking.
Product: Credit card

CAPITAL ONE BANK HAS A VERY HIGH INTEREST RATE. THEY HAVE A VERY HIGH LATE PAYMENT FINES. THEY ARE A SCAM FOR THE COSTOMERS WHO NEED A CCREDIT CARD. I FELT CHEATED, HELPLESS FOR NOT GET HELP SOLUTIONS ON TIME AND THEY DAMAGED MY CREDIT BY RUNING A SCAM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was accused of using a credit repair company and I am not. I dont see how someone exercising there right to dispute is using a repair company. This is my problem Ive sent multiple attempts to get this issue resolved Im demanding a reinvestigation of the issue
Product: Credit card or prepaid card

Bought a coffee maker advertised for {$20.00} made in XXXX by XXXX with delivery on XX/XX/2023, after paying they changed delivery date three times to XXXX and XXXX and said its coming from XXXX instead of XXXX, then changed sold XXXX instead of XXXX, I asked to cancel it right away, they failed, I said that I am no longer interested on it. Chatted with XXXX XXXX another liar. 

Tried to reach Capitalone, online they make it impossible to initiate a dispute, and they ask to be called, calls are not answered, when answered they say either to busy or they will return a call which never happens, making impossible to dispute a charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act inquiries XXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$19000.00} XXXX XXXX XXXX {$540.00} XXXX   XXXX {$8500.00} XXXX XXXX {$8600.00} XXXX XXXX {$10000.00}
Product: Student loan

I previously reported problems with XXXX Bank and XXXX XXXX regarding XXXX : XXXX. I made the report in XXXX. I told them I was making a complaint. And they mis-applied the funds, yet again, this month. There are XXXX loans. They apply payments to pre-pay 2 loans ( now paid up to XXXX ), but don't apply any funds to the 3rd loan, now marked overdue and subject to a penalty. Amazing! I put the correct loan # XXXX on the check, but I assume it is all automated with out-dated equipment. 

Further, XXXX bank has previously been fined by the consumer financial protection board ( CFPB ) ( $ millions! ) for failing to properly respond to customer complaints. They won't " talk '' to me, because the loan is in my wife and daughter 's name, but more importantly, they won't listen despite numerous complaints, from me, from my wife, from my daughter, by phone and by electronic mail. 

I defer to CFPB as to whether to publish or not. It seems contemptible for XXXX XXXX to continue to disregard customer complaints despite the prior sanctions. And we made numerous complaints to the bank and XXXX XXXX, for months before, before filing a complaint with the CFPB. I assume my complaints are not unique. Thank you. 
XXXX XXXX. XXXX. XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX of 2022 Venmo Credit Card The credit card advertise that they give XXXX XXXX back on the highest used category and XXXX XXXX back on the second highest used category. 
I have multiple charges at different doctors offices, and utility company. The credit card refuses to categorize the merchants as health and utility categories respectfully, and gives back only XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a credit card XXXX XXXX  XXXX ending in XXXX yhere unauthorized charges placed on this card. I did everything I was supposed to do with this credit card and the service rep for XXXX XXXX  gave me wrong information. XXXX XXXX  said that I was still responsible because my XXXX XXXX XXXX son got a hold of my credit card and purchased a bunch of online games. Under Federal law it states that I am not responsible for these charges. So now the credit reporting companies are publishing wrong information on my credit reports. I have explained to these companies numerous times about this and they continue to post this fraudulent account information. ( XXXX XXXX XXXX ) & XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach that has compromised my personal and financial information. As a result, I am requesting that all accounts listed below be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are : 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 XXXXXX/XX/XXXX
Product: Debt collection

Re : St John Cobb Inc. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX Phone # XXXX I received a letter from them claiming that I owed them {$36.00} for False Alarm fees that I had not paid. They said my case had been referred to them for collection, and I had 5 days to pay them. I went to the City of XXXX utility billing office and they said they never heard of this company. I also went to XXXX Police dept and they had never heard of this company. I called XXXX XXXX XXXX, and they said they were not showing any false alarms or late payments on my account. I therefore believe this is a scam, and I am not paying it.
Product: Credit reporting or other personal consumer reports

In XXXX i noticed that i had an account that i didnt recognize, after some investigation i found out that my XXXX XXXX opened it without my knowledge. This is clear and cut identity theft and i have done everything they asked me to do but they still havent removed it from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019, XXXX Inquiry : XXXX. XXXX, 2019, VOLKSWAGEN CREDIT Inquiry : XXXX. XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX ( XXXX ) XXXX IS REPORTING THIS BUSINESS BELOW, AS A COLLECTION ON CREDIT REPORT THIS IS DUE TO IDENTITY THEFT PLEASE REMOVE OFF MY CREDIT REPORT BUSINESS THAT'S REPORTING A FRAUD ACCOUNT ON MY CREDIT REPORT XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE OFF MY CREDIT REPORT.
Product: Debt collection

Supposedly I owed {$2.00}. But the company is trying to collect {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in 2017, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX of XXXX : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry XXXX XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry XXXX XXXX Inquiry : XXXXXXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXXXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX  XXXX XXXX XXXXDate of Inquiry : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX