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

XXXX refuses to listen to the consumer as to the event of their credit score. I called when I knew I was late and was told they would not report to my credit report. Not only do d tgey and did they drive my credit score south which prevented me from being able to get a home equity loan from PENTAGON FEDERAL CREDIT UNION because they choose not to honor the COVID 19 cares act, which a couple weeks ago on XXXX REORDERED LINE A CUSTOMER SERVICES SAID TGEY WERE NOT WORRIED ABOUT TGE CARES ACT BECAUSE THEY ARE BIGGER THAN THE GOVERNMENT.
Product: Credit card or prepaid card

Disocover credit card keeps giving me a hard time to verify my account with all paper work printed out and notarized by my bank it self, they claim this is for identity purposes but yet my irs forms already came back to them and this same paper work im uploading to you guys has been sent to them as well They been playing games with me the hole month of XXXX saying paper work doesnt come in or not uploaded but yet how easy it is to show you guys proof of everything i sent in here i have confirmation of faxes been faxed in and is always a story the fax didnt come in or something is incomplete this is what they asked for and this is what ive been sending for the past XXXX weeks notarized and printed out at my bank institution they went as far as implying i can be an XXXX XXXX  or a XXXX on the phone and that i could be making this up please i need you guys to step in for me and stop this they will hurt my credit score if they shut down my account and im tired of asking for a super visor to call me back or even get them on the phone they claim you have to wait three days to speak to a super visor
Product: Debt collection

Reached out to the creditors regarding the validity of the debt, but they did not provide any. I have undertaken the necessary steps to address this matter promptly, reporting the identity theft to relevant authorities and disputing these fraudulent accounts directly with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. Considering the severity of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these dubious accounts from my credit report. I demand prompt confirmation of the removal and a detailed account of the measures taken to prevent such occurrences in the future. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX - XXXX XXXX  XXXX, XXXX XXXX - XXXX XXXX  XXXX, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}. Please deletet these fraudulent accounts from my credit file ASAP.
Product: Consumer Loan

I obtained a {$35000.00} XXXX Loan with Bank of America in XXXX. This loan was solicited to me as a fixed rate, 60 month term loan. However, the loan was converted in XXXX or XXXX to a revolving account without my consent. I have tried unsuccessfully to resolve this issue with the bank to no avail. From documentation I 've received, the bank does n't know how much the loan was for or the APR nor the terms. I 've received letter stating the loan was for {$35000.00} then another XXXX saying it was for {$37000.00}. In addition, I had a Bank of America credit card during this same time and all the terms and conditions on this loan mirror my credit card. Based on my bank records, I have paid over {$70000.00} on this loan. It seems predatory lending at it 's best. I have researched online and I am not the only customers with this experience with this type of loan from Bank of America.
Product: Vehicle loan or lease

I visited one of your dealerships on XXXX XXXX XXXX, at about XXXXXXXX XXXX XXXX. I gave your XXXX XXXX XXXXXXXX XXXX, a signed I retained the original CREDIT APPLICATION they likely ran through the ( XXXX XXXX XXXX XXXX XXXX which they should not have but solely through Toyota Financial Services, Fair Credit Report Act Disclosure. 

My Toyota Financial Services financing is an ( IRS Form XXXX ) barter transaction yet, the dealership/parties ( see below ) rejected the Retail Installment Sale Contract for the ( {$39000.00} ) credit to me for the XXXX XXXXXXXX XXXX XXXX XXXXXXXX, instead parties below was adamant the check from Toyota Financial Services would be a credit to Bill Page : XXXX is a conspiracy to default me the XXXX XXXX no keys/delivery of the said vehicle to me the same day I was compelled to leave the dealership. 

I called XXXX XXXX ( see attachment ) for XXXX XXXX 's phone number. I called the number and filed a verbal Complaint submitted by XXXX, Customer Service Representative, # XDRW, on XXXX XXXX XXXX at about XXXXXXXX XXXX, who assured me my complaint would be filed on the Record. 

Any attempt to sell said vehicle will be deemed a ( willful ) felony with applicable penalties, and fines, notwithstanding NOTE XXXX XXXX email correspondence to me [ threat ] to sell said vehicle proves the complicit " non-compliance '' to 16 CFR Section 433.1 ( d ) of my Purchase money loan transactionsee attachments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Invoice # XXXX from XXXX XXXX XXXX XXXX, Fl XXXX Date of service XX/XX/XXXX All XXXX bureaus are reporting this account as open. 
This account was paid off XX/XX/XXXX by credit card ending XXXX The address this statement was sent to was XXXX XXXX XXXX, Fl XXXX I have since moved, my new address is XXXX XXXX XXXX, FL XXXX Please help me with this so my correct information will be posted to my credit report. Each bureau states this account is being disputed. But none of them are showing the account as being paid. 
Thank You XXXX
Product: Money transfer, virtual currency, or money service

Scam checks were deposited into my account and the man who sent them to me threatened me to send them back through XXXX XXXX and then those checks bounced back so now Im left with a overwhelmingly huge negative balance in my account which I can not afford to lose. I tried calling my bank they said they annoy recover the money and I tried calling XXXX XXXX  support they also can not recover the money. Both of them said to make a police report and the police also said theres not much they can do.
Product: Credit reporting or other personal consumer reports

Student Loans from DEPTEDXXXX {$1900.00} and DEPTEDXXXX {$1800.00} has been discharged and ive attached documents explaining also Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> are accounts i never applied for and was opened fraudulently
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As such, I request that the accounts and inquiries listed below be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not authorized by me and are a result of fraudulent activity. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I applied for a loan at springleaf finance and received an email that I was approved for {$5000.00}. Per the email approval it was only dependent in employment verification, income verification and identity. 
I delivered everything they asked for then was told I was denied based on credit. The email they sent was deceptive. As obviously they was some other criteria it was dependent upon. I am happy to provide the email approval and the other they email they sent stating it was based on credit. 
They were specific in their approval letter and I was denied based on something else. I find their actions deception and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed inaccurate information in my Public section. I have I asked XXXX XXXX how the account was verified as accurate, They responded and said the courthouse provided the information. I contacted the courthouse to inform the of the inaccurate information. The courthouse sent a letter stating they do not report to any credit bureaus or third party site. I am not sure how this inaccurate and untrue information was added to my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report that may be a result of the Equifax data breach. I believe that the following information is inaccurate, and I am requesting that it be investigated and corrected immediately. The specific issues I am disputing are as follows ( See attachments ). I suspect this error stems from the Equifax data breach that occurred in 2017, during which my sensitive personal information may have been exposed. As a result I request that you investigate the disputed information, provide me with the results of your investigation and correct or delete any incorrect or fraudulent information. Enclosed I have included the following documents to support my dispute. A copy of items highlighting the inaccurate information, a copy of an identity theft affidavit and a copy of my photo identification card. Please complete this investigation with in the 30 days time frame required by the fair credit reporting act ( FCRA ). If you determine that the disputed information is inaccurate, I request that you notify me and all other credit reporting agencies to update their records accordingly. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Vehicle loan or lease

Hello, I have been trying to refinance my vehicle. The company I am dealing with is OPEN ROAD. 

XXXX XXXX The OpenRoad Lending Auto Loan Savings Team XXXX XXXX XXXX XXXX # XXXX / XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX fax ( XXXX ) XXXX text msg XXXX After an approval was offered to me, they starting adding extras which I denied. Extended coverage protection for mechanical issue and also Gap Insurance. After my denial of these products added to my loan, the pace of the transaction slowed down a lot. 
Even though I requested calls from the loan helper, XXXX, after I leave work, because I have a new job and I am currently going through an extensive amount of training and I am unable to hold on the phone for 30 minutes or more when I try to call this company to follow up on my loan. They did call once or twice but at times I was not available at the times they try to call me. 
In the meantime they are requesting additional contingencies to move forward. It has been 3 weeks or more since I applied. The loan helpers work on commission so I believe that the picture changed when I rejected their added products. I did have the chance to speak to a XXXX, 2 days ago but she tried to push the Extended coverage and the Gap insurance on my loan, once again I denied that and I got disconnected. 
The loan assistant XXXX XXXX keeps asking me to log into the application to add the co-borrower, ( which is fine ), I do understand that. However, the link he has sent twice does not work and I do not seem to be progressing much with this company. 

Now, a person in my family was able to refinance her car loan and she did recommend their services, it looks like in my case I did hit a brick wall head on. This company has rather poor customer service practices and I fear for my private information in the hands of this organization at this point.
Product: Checking or savings account

I have Bank of America Adv SafeBalance Banking ending in XXXX. I am trying to close this account- it has XXXX balance. I tried calling at XXXX three times during last Friday and Monday ( today ) .Bank of America have the very buggy, annoying and good for nothing bot which never let a customer talk to a human being.

Last week, Friday when I was talking to somebody in Bank of America, I asked them to Close the account- he said reach out to customer service.

Customer service is not reachable via phone or chat.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Guy XXXX called me repeatedly on my cell phone and my job leaving messages. i called him back because i did n't know what it was. He stated that he was a lawyer and that his client was taking legal action against me because I had committed a crime and that I needed to pay his client today or I would be charged in court for the crime i committed. His number is XXXX ext. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Account # XXXX To whom it may concern at the CFPB office, I can prove the Predatory Lending Fraud, Mortgage Fraud, Foreclosure Fraud, and Evictiction Fraud. As well as the Fraud at the XXXX. District Court, The XXXX Police XXXX. and XXXX XXXX. 
Predatory Lending. A $ XXXX mortgage on a house that appraised at $ XXXX in XXXX. Even now the house appraised value is $ XXXX XXXX reply is also an admission to Mortgage Fraud. with the reference to the balance of {$2500.00}. XXXX then decided to add an amount on top of the balance enacting a HAMP program that has no approval from XXXX or XXXX XXXX. Especially in XXXX I also feel this XXXX 's admission to Foreclosure Fraud. XXXX had a copy of the death certificates. Sending back the {$2500.00} pay off check, letting me assume the mortgage. but foreclosing on my dead parents for $ XXXX on a $ XXXX house. 
And finally, I believe now I can also prove the Eviction Fraud, The fraud at the XXXX District court, the fraud at the XXXX Police and the fraud at XXXX XXXX. 
On XX/XX/XXXX I was mowing the lawn on my home and side lot that I inherited from my deceased father and stepmother. The estate went through probate, I was awarded the estate and registered it withThe Registrar of Deeds in XXXX. 



A few XXXX police officers showed up to my house around XXXX am as I was inside my side lot. they told me they had a call from the balliff that they had said I threatened the bailiff. I said what do you mean I am mowing the lawn. The police then wanted me to come out of my fenced side lot .I asked them if they have an arrest warrant? What is your probable cause? The police didnt answer. 



More police started to appear all around my home and side lot stating they wanted to talk to me about the threats I made to the bailiff. I told them I didnt know of any bailiff Im mowing the lawn. If you dont have an arrest warrant I dont have anything to say and get off my property, At this time more XXXX police officers started showing up outside my fenced yard. 

The on duty Sgt.? came with bolt cutters, He cut the lock off the gate to the side lot XXXX XXXX. I have pictures and videos of him. 

The Sgt and a few other uniformed police officers attacked me and put handcuffs on me and dragged me to the police car. 

The police then broke into my home of 10 years and had animal control take my dogs and impounded my car out of the driveway. 

I was then lodged into the XXXX XXXX XXXX for XXXX hours as I was at the XXXX XXXX XXXX the police supervised while all my possessions were loaded into 3 dumpsters and locked me out of my house. 

During the finger print process. The officer that rolls my finger across the scanner. Rolled it on a sharp edge of the reader. And caused a very serious XXXX. I went to the XXXX. 3 times and finally had to have XXXX to remove the XXXX from my thumb.
Product: Credit reporting or other personal consumer reports

This account is not CLOSED. my credit limit increased by {$1000.00} this month. closed accounts dont raise credit limits. All three credit agencies needs to report the account as open.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed I had a fraudulent account appearing on my report. Please remove this fraudulent account from my credit report, this fraudulent account is hurting my ability to obtain credit to purchase a home.
Product: Debt collection

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sick in the XXXX  with XXXX  for 2 months and immediately upon discharge I contacted Chase and made payment arrangements and was told by 2 different customer services reps on 2 different dates with the last date being XX/XX/22 where I was advised that even though I was in the XXXX  with XXXX  that the CARES act did not apply to them and I could not get a deferment. I made arrangements to bring my account current and was told that I would not get a late payment and I would not be charged late fees. I was given both immediately after! I called back and asked the manager to review both calls which she did and said that would provide better training for staff but would not rectify my situation. I disputed with all credit reporting agencies. XXXX DID NOT do a thorough investigation I disputed on XX/XX/22 and on XX/XX/22 it responded with verified
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and have affected my livelihood to provide for my family. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am deeply disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which is a significant deficiency. I demand the immediate deletion of this flawed and inaccurate report, or else legal action will be taken for the non compliance with the relevant legal requirements. 

( Original Creditor : XXXX XXXX ) Collection {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Collection {$220.00} XXXX Collection {$1400.00} XXXX  Charge-off {$480.00} XXXX XXXX Charge-off {$0.00} XXXX Charge-off {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

PayPal - negative {$3300.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$3300.00} XX/XX/XXXX Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3300.00} USD ; PayPal Posting Date : XX/XX/XXXX ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 

XXXX XXXX