23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the ongoing presence of fraudulent items on my credit report. 

Despite my repeated efforts to dispute and remove these fraudulent items, they continue to tarnish my credit report, posing a significant threat to my financial well-being and reputation. These inaccuracies have caused immense stress and anxiety as I strive to rectify this situation and restore my creditworthiness. 

I have provided ample evidence of the fraudulent nature of these items and have adhered to all procedures outlined in the Fair Credit Reporting Act ( FCRA ) to resolve this matter. However, it is disheartening to see that my efforts have yielded no tangible results, leaving me in a precarious position with creditors and lenders. 

I demand immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Furthermore, I expect a formal explanation for the repeated failure to address my concerns and uphold my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX TX XXXX7 US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7700.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6600.00} US DEPT ED XXXX Balance Owed : {$9000.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX has fixed the transaction history that was illegally reported per the privacy act, but failed to fix the inaccuracies on the report including labeling the account as " Repossessed/Never Late '' but did not remove the transactional dates either. On trans union, it states that the payment is XXXX and XXXX states XXXX with a balance owed of XXXX which neither of those payment amounts line up to that balance. This company has harassed me, stole a vehicle to which i hold a lien to title as well as the title, has harassed my family, employer and friends. This account is to be removed, and this company is to halt all harassment immediately. 

Attached is proof of inaccuracies including dates " missed '', inaccurate payment amounts, inaccurate, name and address reporting, inaccurate APR and falsely reporting a repossession on my credit report. 

This is to be fixed across all credit reporting agencies immediately. 

Also, after illegally removing the vehicle from my possession CAG has not provided me with a letter of intent, which i have provided them with notice of default, as well as intent to cure, both of which i have received no response too.
Product: Checking or savings account

I have the following new issues with Wells Fargo... 

1 ) Recently, WF put together a committee of senior executives that meet daily to address societal inequalities facing XXXX employees & customers ( I am one of these customers who have been lied to, treated like XXXX including Wells Fargo trying to force me out of business ) ... here is the article https : XXXX XXXX ) One of the main reasons it appears that Wells Fargo is trying to force me out of business is that they know I can not afford a lawyer. I have already called several law firms and all of them told me that the banks, like Wells Fargo, have hired most ( 90 % ) of the lawyers who practice " Lender Liability '' and the remaining 10 % are very busy suing banks like Wells Fargo and as a result, they will not represent anyone on contingency. One law firm said their minimum retainer is {$250000.00}. 

3 ) I also asked in an email to XXXX XXXX to forward the email containing the last certified letter to MR. XXXX XXXX and she totally ignored me including asking her to confirm that she received the email. 

4 ) I also set up 2 conference calls : one on Monday XX/XX/XXXX and the other on Thursday XXXX and NO ONE FROM WELLS FARGO accepted the invitation, declined the invitation or proposed a new time. Who is the customer here? Well this is consistent with how I have been treated by Wells Fargo... no response to emails, no reply to text messages, no return phone calls, no return receipts from certified letters ( I have no idea how this is possible especially considering on one of the certified letters I also sent 3 certified letters/return receipt requested to credit reporting agencies to help me clean up the mess Wells Fargo made to my credit rating, and all 3 receipts were returned ) 5 ) Good news : there is plenty of XXXX  work for US manufacturers ; customers want quotes for XXXX XXXX XXXX  XXXX  and XXXX XXXX XXXX  XXXX  but we need working capital to build a clean room to get XXXX approval, fabric, new employees, etc. We have learned on our own how to manufacture XXXX  XXXX  XXXX  and we need help from Wells Fargo.
Product: Student loan

Consumer Financial Protection Bureau, To whom it may concern, The purpose of this letter is to submit a third complaint against XXXX [ XXXX ], now known as ECMC- the Education Credit Management Corporation . The previous XXXX complaints are under file case # XXXX & file case # XXXX. Back on XX/XX/XXXX, XXXX- Ombudsman at ECMC- responded to my last complaint stating that she determined that XXXX should have refunded my XXXX loan disbursement. XXXX then made the necessary adjustments, but there are still irregularities in the final calculation of my loan balance. As I have previously stated, this loan dates back to XX/XX/XXXX, from which I have been disputing this loan with different agencies ; first with XXXX, then XXXX, and now with ECMC. 

Even though I have been disputing this loan, I have submitted payments to the amount of {$1700.00} towards the amortization of this loan. Back on XX/XX/XXXX, I submitted a request for a breakdown of how ECMC recalculated the loan balance after having removed {$2500.00} from the original balance. They sent me a new total balance of {$2100.00}, for which {$1.00}, XXXX is principal, {$380.00} interest, and {$410.00} collection costs. In one of their balance sheets, they have a current principal balance [ dated XX/XX/XXXX ] of {$780.00}. I have been disputing this loan, and it was found that I was correct in my claims. ECMC has always had my contact information- of which I have been the one contacting them in this dispute- why are they charging me collection fees and interest when they failed to acknowledge my complaints? How are they jumping from {$780.00} to {$1300.00}, unless this loan is a negative amortization loan? My question to the Consumer Financial Protection Bureau ( CFPB ) is, back in XX/XX/XXXX, CFPB came into an agreement with ECMC regarding the purchase of certain assets of XXXX in which ECMC is to provide debt relief to XXXX students ; how come ECMC has gotten a free bailout pass from the government, supposedly for the sake of many students, but they are still continuing the predatory practices of XXXX? 

Please respond at your earliest convenience, and thank you in advance for helping combat the exploitative practices of agencies like XXXX, XXXX and ECMC XXXX and protecting victims, such as myself, from these dire cases of student exploitation. 

Sincerely, XXXX
Product: Debt collection

RE : Debt Collection for XXXX XXXXXXXX XXXX XXXX NCB Management Services is trying to collect on a debt that is the result of identity theft. 

The attached documents have been received via usps mail by XXXX XXXXXXXX XXXX XXXX XXXX NCB Management Services . 

Due to the high incidence of fraud, I demand any documents presented as evidence of a debt be verified ( sworn under oath ) as valid. Once sworn evidence is received I will pay any debt owed plus 85 % interest.
Product: Debt collection

This credit agency has called my place of work repeatedly, and now has publicized a debt that I do not know about by dropping off a piece of paper at my place of work for everyone to see. This paperwork seems to also threaten me with a court appearance over a debt.
Product: Debt collection

I was paying down a debt that was in collections and the original collection agency didn't inform me that they sold the account, and I made a couple more payments to that company and now this new company wants more money. I'm not going to pay anything more. This practice should be illegal and today I'm calling the Texas Attorney General office and have this stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau has incorrect information on my credit report such as a 80 % credit usage when the correct credit usage should be 25 % per XXXX credit bureau. Also, Experian has my current debt incorrectly as {$53000.00} when my current is actually {$51000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX HAS A CHARGE ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME, THIS IS FRAUDULENT AND I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT AND ALL CREDIT BUREAUS THAT MAY BE REPORTING THIS ACCOUNT.

IN ACCORDANCE WITH THE FAIR CREDIT ACT 15 U.S C. 1681 AND DEBT COLLECTION PRACTICES ACT 15 1692 XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

I HAVE A RIGHT TO PRIVACY 15 U.S.C. SECTION 604 A SECTION 2 CONSUMER REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY CONSENT AND WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$97.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$97.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$770.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The account names are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX has a fraudulent auto loan account listed on my credit report in the amount of {$28000.00} but I only have one auto loan which was opened in XX/XX/2021 that currently has a balance of {$20000.00}.
Product: Credit reporting or other personal consumer reports

From the years of XXXX  until the XXXX Bank of America XXXX  XXXX Bank of America XXXX XXXX and Bank of America XXXX  have been sharing all my bank statements with early warning services without my knowledge or consent I was totally unaware of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have attempted to dispute a debt on my report regarding a student loan that was rehabilitated, but XXXX 's site does not allow me to file a dispute due to technical issues. I am also unable to contact anyone over the phone despite my best efforts. XXXX XXXX. I have a letter from the department of education stating that my debt is to be removed from my report. 

XXXX Also closed a dispute without taking action as instructed by the department of education. I need these reports updated on my account to reflect the work I have put into rehabilitating my debts Experian also has not allowed me to submit a dispute through their portal online. I would like to dispute the same loan through them.
Product: Debt collection

Company called several time asking for an XXXX XXXX. Asked company to stop calling and then called back to back right after for sbout 5 minutes. Used fowl language as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ; 1. I moved from XXXXXXXX XXXX to XXXX XXXX  I had two accounts and one had a credit balance. XXXX would not locate the Credit Balance ; after numerous complaints and service issues. I refused to pay until they located my credit account, which I had given to them. They turned the account over for COLLECTION. 

2. After more than 20 times over a XXXX year period attempting to resolve the issue with the collection agency and XXXX I was finally able to speak with the XXXX XXXX XXXX in their business division after I moved again. They ( XXXX ) finally found the OUTSTANDING CREDIT BALANCE. The matter was immediately credited and paid off. 
and I paid off. XXXX did not apply credits due for non service and lost business from XXXX XXXX. They told me the would clear the matter with the Collection company. This has never happened. I spoke with the collection company and they said I should take it up with XXXX. 

3. I filed a DISPUTE with the Credit Reporting companies. Nothing has been done. It remains on my Credit Report.
Product: Credit card

I am a XXXX  veteran with XXXX XXXX  and I am serving outside the country. Between XXXX till XXXX I was XXXX and I was serving in XXXX and then in XXXX. In XXXX XXXX XXXX my personal information was compromised in the USA and it was used by unknown suspect to open up a fraud credit card account in my name with Capital One bank. Once my service was over in XXXX I came back to home in XXXX and after that I am in and out almost every year for XXXX XXXX XXXX 
Around in XXXX of XXXX I received a letter from Capital One bank which was in my name. After I opened it I was shocked once I saw that Capital One bank is asking me to pay them {$14000.00} for the credit card which I did not open, I never received and I never used. I immediately called to Capital One bank and found out that the account was opened in XXXX. I explained them that I was XXXX for military service between XXXX to XXXX and that I was outside the USA I could not physically receive, activate or use that account. I also verified with them that the card was activated with a telephone number which was never been my number. For XXXX XXXX XXXX of fighting with Capital One bank and asking them to remove the fraud account from their database and from my credit reports with al national credit reporting agencies, I cam to conclusion that Capital One is not doing anything to investigate this fraud matter accordingly. I mailed and faxed to Capital One bank 's fraud department the copy of identity theft police report I filed with local police department, the copy of identity theft report I filed with Federal Trade Commission so that they can do proper investigation and remove the fraud account information from my name, but so far no results. Capital One simply ignores my letters and by reporting this fraud account information in my credit file they simply damage my life, my true credit worthiness which I built for many years and they prevent me of getting any credit from financial institutions do to negatively reporting fraud account that reflects on my credit file.

I am a victim of fraud and this bank 's actions leave me helpless and hopeless. I need CFPB to contact Capital One Bank so that they can stop reporting that fraud account in my credit history and I need them to send a request to XXXX, XXXX, XXXX XXXX to remove it from my credit history.
Product: Vehicle loan or lease

I bought out the lease for my Kia XXXX XXXX in XX/XX/XXXX. I am yet to receive a title from Hyundai Capital America and have called them several times to ask for a status. They keep saying it is pending with NJ DMV and can not do anything to expedite it. The registration for my car has expired and I am unable to renew the registration without the title. The customer service agents ( especially XXXX at XXXX leasing ) are extremely rude and provide no helpful information. This has been pending for almost 9 months now.
Product: Bank account or service

They had scheduled maintenance on XXXX/XXXX/2015 from XXXX, however, the provided time slot was extended to XXXX. XXXX came, and nothing changed. I received an email at XXXX stating we can utilize the card now, but still can not use the mobile or online services. That was not correct. It is now XXXX/XXXX/2015 XXXX and I have access to nothing! I was supposed to receive my direct deposit today, now I 'm not even sure if I 'll receive it at all, if that is the case, I would be delayed by almost 2 weeks.
Product: Credit card or prepaid card

On XX/XX/2019, I opened the American Express Platinum XXXX card with the understanding that that I would be receiving XXXX XXXX miles + XXXX Medallion Qualification Miles ( MQM ) after spending {$3000.00} and {$100.00} statement credit for any XXXX spend within the first three months of the card opening ( by XX/XX/2019 ). There was a {$190.00} annual fee for the card. 

On XX/XX/2019, I reached out to American Express to confirm if I met their eligibility requirements, which I did according to Customer Service Agent Inny. She stated that I made total of {$3600.00} qualifyingpurchases and until XX/XX/2019 statement closing spend threshold amount was not meant but now as that is made you will see the bonus miles issued to your account byXX/XX/2019. 

On XX/XX/2019, I reached out to American Express again in order to check in and see when I could expect to see the bonus mileage post to my account. This time, they stated that miles and MQMs will be credited to your account 6 - 8 weeks after you reach the Threshold Amount according to Customer Service Agent XXXX. I asked if I would see the bonus files post by XX/XX/XXXX, and they confirmed this. 

After waiting the prerequisite time and not seeing the bonus, I reached out to American Express yet again on XX/XX/2019. This time, they explained that I had only spent {$2500.00} in Qualified Spend Amount and I did not meet the spending threshold according to Customer Service Agent XXXX. They refused to clarify what spending was ineligible and why I did not receive the bonus despite two previous customer service agents confirming I would receive the bonus offer much earlier. 

I have met the spending requirements under the American Express Platinum XXXX card with purchases amounting to {$3800.00} between the card opening and XX/XX/2019 ( three month period ). American Express has refused to honor their agreement, decided to arbitrarily make up terms to renege on their agreement for the bonus, and has refused to remedy the situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX XXXX,2024 XXXX XXXX XXXX : XXXX XXXX,2024
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my consumer report. Section 609 ( a ) ( 1 ) ( A ) of the FCRA grants me the right to request the identity of the source of the information, while Section 611 allows me to dispute any information that I believe is inaccurate or incomplete. The account in question fails to meet these standards as it was opened without my consent or knowledge.