23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My account was charged after the COVID tuition pause ended on XX/XX/year>, since I had my account set up as auto-pay. My account is under deferment. I have a pending case with the XXXX XXXX XXXX that allows my account to stay in deferment. I called to get this auto-pay transaction refunded on XX/XX/year>. They told me it would take about XXXX days to get my refund. I haven't received it yet. They keep giving me an update that the refund will be processed in x amount of days. The total refund amount is {$220.00}. I had my case escalated on XXXX XXXX, XXXX, and was informed that a refund would be processed in 7 business days. I called two weeks later, they told me the refund escalation was entered incorrectly and it would be processed in 7 business days. It's been 3 weeks since that day, and still no refund. On top of that, when it comes to refunds their support line barely wants to assist me. I've had them hang up on me and put me in the queue, to wait over an hour to get anyone on the phone.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXXXXXX XXXX  FRAUDULENTLY COLLECTED MY INFORMATION WITHOUT MY CONSENT AND IS FORCEFULLY TRYING TO MAKE ME PAY THEM A DEBT THAT I DO NOT OWE TO THEM FOR AN ESTIMATION OF ABOUT 2 YEARS. I SENT OUT A DISPUTE LETTER IN ACCORDANCE WITH REFERENCE, REGULATIONS OF THE FCRA, CFPB, FTC AND HIPPA LAWS AND CONSUMER RIGHTS ; AND NEVER GOT A RESPONSE BACK FROM THEM. I NEVER GAVE THIS XXXX  AUTHORIZATION NOR CONSENT TO MY PERSONAL INFORMATION. NOR DID I SIGN ANY CONTRACT WITH THIS SAID XXXX  TO PAY ANY DEBT TO THEM. ALSO, IT APPEARS TO BE HIDDING BEHIND THE SHADOWS OF NAVY FEDERAL CREDIT UNION. THEY ARE NOT REPORTING ON MY CREDIT REPORT BUT INSTEAD REPORTS DISCRETELY TO XXXX XXXX XXXX XXXX ( XXXX ), XXXX, XXXX, XXXX ( RECENTLY MERGED ) AND SENDS OUT LETTERS TO ME WHICH IS MISREPSENTATING AND IMPERSONATING AS AN ATTORNEY FOR NFCU FRAUDULENTLY TRYING TO DOUBLE DIP ON A DEBT NOT OWED TO THEM. NAVY FEDERAL WROTE THIS OFF DUE TO HARDSHIP AT THE TIME MY MOTHER WAS XXXX AND I WAS GOING THROUGH A BAD DIVORCED AND LOST EVERYTHING.
Product: Mortgage

I have a home equity credit line secured many years ago with now defunct XXXX XXXX. TD Bank took over the loan and began annually requiring a myriad of financial information that was never requested by XXXX. The loan is in good standing and my FICO score is excellent. I consider this age related harassment ( I am over XXXX years old ) and want TD bank to cease this annual harassment ritual
Product: Debt collection

Razor Capital is trying to collect a debt that is not mine. They have filed a lawsuit against me. They are trying to collect on a debt that was an identity theft issue. Report was filled with the FTC about the issue. I have not been able to file a police report because they want an original letter from the company saying this debt is mine. I have no idea who the original company is.
Product: Vehicle loan or lease

I have an account with Thrift Investment for XXXX for an auto loan of a car that was repossessed. At the that time my significant other passed away and he was responsible for the bill and i no longer couldnt afford it. I did try to get the car back from the 3 months that i owed but they wanted the payment of the car in full. This account on my report has stopped me from being able to rent apartments and to get a car. I still am not able to get a car at this time. I would like this account removed. Im even ok with setting up payments to pay my debt back. That year was very hard for me i lost my car and apartment im just trying to get things back in order for me and my son.
Product: Credit reporting or other personal consumer reports

I recently uploaded a copy of my FTC report, license and proof that my information has been exposed in the latest XXXX data breach as well as the breach of XXXX XXXX. The proof shows that my info was breached during XXXX and XXXX. I have been disputing some of these items since before XXXX and they still remain. When they were not removed based on me being a victim of identity theft, I tried to attack the huge inaccuracies and inconsistencies but Experian, XXXX, and XXXX still keep verifying the debts without sending me any verification as requested and the items remain on my credit report. I Just did a cfpb complaint and disputes pursuant to 605b and its been well beyond 4 business days and the items remain and the credit reporting agencies are refusing to remove these items from my credit score and everyone is saying that they will reinvestigate again and again when nothing is being removed and not only have I provided proof of inaccurate and inconsistent information but proof that my information was breached as well.
Product: Credit card

I stated at the XXXX XXXX XXXX overnight Sunday, XX/XX/year>. They submitted a charge of {$100.00} for incidentals. When I checked out they released the charges. They even provided me with the approval number ( XXXX ) and the reference number ( XXXX ) given to them by Cash App ( Block Inc ). 

The {$100.00} was not released I called Cash App several times. I was hung up on twice, the third time they person told me is I send her the hotel receipt on the hotel letterhead showing a XXXX balance on it she would release the {$100.00}. I also attached the above Approval Code and Reference Number. 

After she received everything I was put on hold for XXXX minute, then told it would take up to 31 days to get it back. She would not allow me to talk and hung up on me. 

I called again to make a complaint. They would not allow me to speak with a supervisor or the complaint department.
Product: Credit reporting or other personal consumer reports

i checked my credit report in XX/XX/ because I am trying to purchase a house for my family and I. I wanted to surprise my children and my fianc with a new home and when i checked, I saw there was multiple fraudulent Collection accounts on my consumer reports along with several addresses that do not belong to me. I have been living at XXXX XXXX XXXX, XXXX OH Since i was in middle school and have not resided at any other address since then. The following addresses do not belong to me : XXXX XXXX XXXX, XXXX, oh XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX AZ, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXX AZ, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ. THE FOLLOWING FRAUDULENT COLLECTION ACCOUNTS DO NOT BELONG TO ME : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00}
Product: Vehicle loan or lease

GM FINANCIAL Account number XXXX vehicle was repossessed. I could not pay for it because I lost my job. I was positive for XXXX. I pray it is deleted off of my credit report.
Product: Money transfer, virtual currency, or money service

I am a truck driver, away from home XXXX to XXXX weeks at a time. In the beginning my wife would send me money for food. About XXXX years ago cashapp stopped any transaction from her to me. They said it was for my own protection. I called several times only to be treated bad and the problem not resolved. I went from buying groceries to begging for money from other truckers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX told me my account was closed by me. That is wrong, I did not close account. XXXX tells me when I call my account is active in good standing for XXXX years. This mistake cost me XXXX points on my credit report, which I have worked on for years to get to XXXX points. XXXX refuses to send info to credit agencies, I have called them numerous times. They tell me everything is fine. I hope you can help me. Thanks XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice an item on my report that is not mine. This item need to be deleted from my credit report XXXX XXXX XXXX and there are some inquiries also that are not mine XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX Equifax Mtg, Equifax Mortgage Servi, XXXX, XXXX XXXX XXXX and JXXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX XXXX, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information.

I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance.

Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX CRED Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

We opened an account with XXXX.

Our representative XXXX XXXX provided us with approved Vendors : XXXX XXXX. He emailed me the same day from : XXXX We hired XXXX to build us a custom website on XXXX within 10 days.

They have failed to do so. We did not receive a working website after 10 days. Even though we made all the payment and more before the deadline : {$2000.00} refundable deposit and {$1000.00} to receive the product.

They wanted {$2000.00} but we didn't want to pay all of it before we get the final product installed on our hosting. So we paid {$1000.00} even though it wasn't agreed according to our contract. Email with agreed amounts is attached as an image.

When we found out that the product DID NOT work and this may have been a scam, we contacted XXXX and asked for them to help resolve the issue. They closed our account and said that we need to resolve it with the vendor.

We tried to offer a compromise. Even though they finally agreed to {$2000.00} refund, they have failed to make the refund payment.

That is why we contacted discover and asked to dispute both charges. The letter to Discover with both case numbers is attached.

Discover ruled in the vendor 's favor 8 times. We have exhausted all valid disputes and that is why we have now filed a complaint with CFPB.

We would appreciate you help with this matter. We gave Discover a curtesy call and let them know that we have proceeded in that way. Discover representative agreed on XX/XX/2019 that it is an acceptable route to use additional resources for assistance.
Product: Consumer Loan

I took out a loan with Santander USA on XXXX/XXXX/XXXX. I bought a XXXX Nissan Sentra through XXXX in XXXX TN. Since the very beginning of this loan, they have constantly stated the note is always past due. See my photo of the due date of my first payment ( XXXX XXXX, XXXX ). I was informed that I would never catch up because since my first payment was 45 days past the purchase date, I was already being charged over {$670.00} in finance charges. This is a total scam. Nothing they ever say makes any sense. I have made extra payments, made extra bulk payments and been harrassed about the car being repossessed. My rate is 24.99 %. When I bought the car, I was told I could refinance the vehicle in six months after on time payments. That was a lie. Santander does not refinance anything. I have paid close to {$30000.00} for this car that currently has a book value of {$4500.00} and I still owe over {$16000.00} on this car. Every month, they charge me a late fee but my payment is not late. Every month they also charge me an over a thousand dollars in late fees and interest. This is a simple interest loan which I did not know nor understand what that was and was never explained to me. I still do n't really understand how this XXXX XXXX company can legally charge me triple interest and late fees every single month.
Product: Credit reporting

My previous employer, XXXX XXXX XXXX reported XXXX XXXX XXXX driving records on me, both were incorrect. I filed a claim ( s ) with the reporting agency, Hireright disputing the accuracy and true facts as I know them to be. Hireright just sent me XXXX letter 's stating the report will stay the same, coming from XXXX XXXX. Hireright has said I can submit a rebuttle of up to XXXX words, but the record will stay on my file. How can the record stay on my file when the record XXXX XXXX reported is absolutely wrong? When I submitted to Hireright for an investigation of the record, I asked then to listen to the recorded conversation of my explanation of each incident and the is all the evidence needed to prove I 'am correct and that XXXX recorded be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company did not complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XXXX 

XXXX {$7200.00} ( XXXX XXXX, and Equifax )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a Federal Trade Commission Identity Theft Report with the following fraudulent credit inquiry listed on the identity theft report : XXXX, XX/XX/2021, the following credit inquiry listed on my Equifax credit report is a fraudulent and unauthorized credit inquiry and is not my credit inquiry : XXXX, XX/XX/2021
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

We continue to receive phone calls from Carrington Mortgage on a debt that we do not own. I have requested for this company to stop calling but they continue to call and leave messages to call back. When I call back the message says that they are closed but they just called. I have sent email message and left messages on their website to no relief from this harassment. I have never done business nor would I ever do business with a company as shady as this.
Product: Mortgage

My issue is my loan servicer Litton Loan Servicing LP, fraudulently serviced my account for years, from the XXXX 's up through XXXX when they were bought out by Ocwen Mortgage. This transaction took place in XX/XX/XXXX, I then noticed in XXXX of XXXX, 4 months later, that the amount of {$72000.00} had been added to my account as a " DEFERRED ACCOUNT BALANCE '', along with an inflated regular balance. As of right now, along with the deferred balance of {$72000.00}, my regular balance is at {$82000.00}, for a total of {$150000.00}. That's after paying on a {$110000.00} balance for XXXX  YEARS XXXX  months!!! So I have no been passed from Litton Loan servicing where the problem began, to Ocwen, to PHH Mortgage/NewRez who I have been making my payment s to now. Without a doubt, this property should be very close to being paid for by now!!! NOT A BALANCE OF {$150000.00}!!! Have even hired a couple of attorneys to look into this and all they did was take my money and did nothing. Been working on this issue with no help for over 10 years now. This is one of the places XXXX at the Attorney XXXX office told me to contact. Any help you could give me in resolving this matter would be deeply appreciated!! Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. -15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. the accounts i am talking about are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i also attached my identity report from the ftc to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my social security number on XX/XX/XXXX applying for nunberous credit cards and got approved for one in store card at XXXX XXXX there are numberous address on my credit report that I have never lived at..I have only lived in Ohio at n XXXX address XXXX
Product: Credit reporting or other personal consumer reports

statement of late has been added to my credit report with regions its been removed and plced back on my account with no verifying details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies TransUnion, XXXX, and XXXX have been reporting numerous accounts that solely contain information regarding transactions on my consumer report and details relating to the approval or authorization of credit card extensions, whether direct or indirect by the issuer. 

As a result, all three corporations are in violation of the following federal laws : 15 U.S.C. 1681a ( 2 ), specifically Exclusions, Subpart A, Sub-subpart ( i ) 15 U.S.C. 1681a ( 2 ), particularly Exclusions, Subpart B
Product: Credit reporting, credit repair services, or other personal consumer reports

My leased XXXX was stolen on XX/XX/XXXX. My car insurance, XXXX, sent a check directly to XXXX XXXX on XX/XX/XXXX for a Total Loss Buyout. Because the car was a lease, the check went directly from XXXX car insurance to XXXX XXXX. 
On XX/XX/XXXX XXXX XXXX deposited the full Total Loss Buyout in the amount of {$22000.00}. 

XXXX XXXX has told me they refuse to close the account due to technical error and refuse to fix the false reporting. They told me I need to wait for my credit to be fixed until they resolve their " Technical error ''. 

I have spent hours and hours and hours on the phone trying to resolve this over the past year, but it is the same answer every time. We have tried closing the account, but are unable to do so, due to technical error. 

XXXX XXXX has been paid in full and the current amount due is {$0.00}. 

I have tried disputing this on my own but XXXX refuses to verify with the credit reporting agencies that the account has been satisfied.