23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Someone stole my husbands wallet because he has XX/XX/XXXX. 4 months later the thief went to the bank with a paper check and Wells Fargo cashed that check even though we reported the crime immediately. They assured me that no one would withdraw any money since we had reported. They cashed a check and when they realized the account that apparently paid my husband it was a closed account they took the money from our account. I filed a complaint and they close it without returning my money. A week after that they cashed a second check for a higher amount. Were out XXXX plus overdraft fees. They refuse to reimburse my money even though it was their fault. They refuse to reopen the investigation. We need help.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I closed the billing with the company after sending numerous documents to them for damages and repair work completed on the vehicle. Sent receipts and other documents while communicating with them via fax, phone and email. A few emails where sent back and forth to compete out or rectify the remaining total of the billing to close out the account from can I trial you XXXX XXXX in XXXXXXXX XXXX. Contacting this company to close out and compete the billing would be helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have ask XXXX to remove this account that is not my account they have not yet.
Product: Debt collection

I had filed a complaint with the CFPB against XXXX XXXX XXXX as they were attempting to collect a debt I did not owe ( XXXX XXXX XXXX  ) and failed to provide information as required under FDCPA, but they did address incorrect credit reporting. However, it appears XXXX XXXX XXXX has since sold the debt to yet another debt buyer, to CREDENCE RESOURCE MANAGE ( this is how their name appears on my credit report ). This new debt buyer is trying to collect on the same debt that I do not owe, and the previous debt buyer likely violated FDCPA and other credit reporting and collection rules by selling/transferring this debt. This has risen to the level of harassment, possibly rule violations related to these debt buyers ' collection tactics. I have advised this is not my debt, I even called the alleged original creditor ( XXXX XXXX XXXX  ) as I was worried about identity theft, but they could not find me in their system as ever having an account. In fact, as I have explained to the previous debt buyer, I have never had an XXXX XXXX XXXX  account of any kind, I have never owned an XXXX, and I have never lived at the alleged address associated with the debt.
Product: Credit reporting or other personal consumer reports

These accounts listed here are all opened fraudulently without my permission : There is identity theft occurring on my credit report. 

Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year>, I had an unexpected family emergency and had to get a title loan through TitleMax on XXXX XXXX in XXXX, Texas. My loan interest rate was calculated daily, but this helped because I was able to monitor my loan payoff by adding extra money when I could in effort to pay the loan off. This loan product was available until XX/XX/year>. In XX/XX/year>, I went to pay on my loan and prepared to pay extra, but I could not pay my account online. Thereafter, I went to the store with a total commute time of 2 hours and took time off from work. A lady employee advised that the loan product once offered to me was no longer available, and I had to sign on to their new loan product that required a flat 30 days interest rate. I had no other option other than to go into default. She did not inform me that it would become more difficult to make loan payments after certain dates. For example, I tried to make a payment on XX/XX/year> in effort to pay off my loan, I was told that I had to pay the full 30 days interest rate despite only 15 days passing. Next, TitleMax employees told me that I could pay additional money towards the principal if I paid by the XXXX, but when I tried to make an extra payment, my online account did not work on XX/XX/year>, and I could only pay the 30 day interest from XXXX to XXXX even though the full interest did not matriculate. Further, the new interest rate would only be affected for XXXX. In general, I lost access to my online portal, which allowed me to monitor account, access my documents, pay {$1200.00} in interest monthly from my home on the due dates and protect my private information. Additionally, I TitleMax has repeatedly may it difficult to pay off my loan. In fact, they have forced me in a 5 month installment plan that pays {$1200.00} interest, and a payoff with the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 reporting agencies are reporting late payments on my credit reports.

in accordance to the Fair Credit Reporting Act. These agencies have violated my rights as a consumer under 15 USC 1681 section 602 states I have the right ti privacy and 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have sent letters to XXXX XXXX XXXX XXXX requesting that they validate NOT verify 3 debts that they are attempting to collect from me. I submitted these request on XX/XX/XXXX for one account. The other 2 accounts request was submitted on XX/XX/XXXX. They provided me with billing statements which does not prove that I am obligated to pay them anything. They can not provide a signed agreement between Portfolio Recovery and myself. The FDCPA 15 U.S.C. 1692C ( a ) states " Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never given above named company any type of permission to contact me, even though they have done so numerous amounts of times. I have no personal relationship with Portfolio Recovery Associates and am unaware of how they obtained my personal identifying information with my knowledge and / or consent. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of account I believe has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are as follows. 
Account name & Account -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I am writing to address a critical issue regarding my recent GM Business Card application for XXXX XXXX XXXX XXXX, with principal owner XXXX XXXX. Regrettably, I must express my dissatisfaction with the handling of my application by your underwriting team, resulting in its denial on grounds of inability to verify identification information. It is imperative to clarify that I diligently submitted all requisite verification documents to your team, ensuring clarity and legibility for review. Thus, I find it incredulous that my application has been denied on these grounds. 

In response to your team 's suggested resolution, I wish to emphasize that there are no discrepancies within my online credit reporting agencies, including both personal and business information. As reiterated to your customer service representatives, I maintain meticulous oversight of my consumer credit reports, and there are no locks impeding Goldman Sachs from accessing necessary information for verification purposes. 

In light of the foregoing, I urgently request that a senior executive within your organization undertake a thorough review of my initial application and provide transparent clarification regarding the purported verification issues. Should there be any legitimate impediments in verifying my information, I implore you to elucidate them explicitly.

Given the clarity and comprehensibility of the information provided to your underwriting teams, I am confounded by the denial of my application. I emphasize that this correspondence represents my first attempt to resolve this matter, which has arisen due to the mishandling by your internal underwriting teams. Prompt attention to this matter is imperative, and I anticipate a swift resolution that aligns with the standards of professionalism and efficiency expected from a reputable institution such as Goldman Sachs.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out loans with XXXX XXXX in XXXX XXXX. I paid them thousands of dollars in interest over the years. They finally sent my jewelry back and I found out there were issues such as missing diamonds, less gold weight, etc. I took my items in and found out that XXXX XXXX had put me on a nationwide blacklist and I was told that I would never be able to take a pawn loan. There were issues with the jewelry that I received back and it was not in the same condition as when I originally gave it to them.
Product: Credit reporting or other personal consumer reports

This inaccurate item is currently part of pending litigation due to reporting errors on my credit report. Since it is under litigation, you wont be able to verify the disputed errors, which means this item needs to be removed in accordance with 15 U.S. Code 1681i ( a ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Fraudulent Information on My Credit Report Due to Data Breach Dear EXXXX Customer Service , I am writing to formally dispute inaccuracies on my credit report resulting from the data breach that occurred in XXXX. I believe that some of the information currently on my credit report is a result of fraudulent activity, and I request that these inaccuracies be investigated and corrected as soon as possible. 

Specifically, I noticed the following items on my credit report that I believe may have been affected by the XXXX XXXX breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquires are also unauthorized : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items may have been created as a result of identity theft or unauthorized activity due to the breach. I ask that you review my credit report and take the necessary steps to investigate these discrepancies.

I request that you take the following actions : Review the listed accounts and remove any fraudulent items resulting from the breach. 
Provide me with the outcome of your investigation and a corrected copy of my credit report. 
Enclosed are copies of my identification documents ( e.g., drivers license, Social Security card, and proof of address ) to verify my identity. Additionally, I have included any relevant documentation supporting my claim ( e.g., a copy of the data breach notification, police reports, or fraud alerts ). 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you have a duty to investigate my dispute within 3XXXX days. Please notify me in writing regarding the status of your investigation. 

If you need any additional information to process this dispute, please let me know. 

Thank you for your prompt attention to this matter. 

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

I've recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Debt collection

I have previously place a complaint XXXX against R & R Professional Recovery services. My complaint was to obtain verification and validation that the third party debt collector has the right to collect the debt. 

In the response given in the complaint XXXX R & R Professional Recovery has admitted that they are not the company responsible for collecting the debt. The company failed to prove validity to collect the debt they have placed on my report. CFPB obtained a response : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/2020 The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. 

By right the CFPB investigated and found that the collection does not belong to the company reporting on my credit profile. That is false reporting and a violation of collection practices. CFPB was asked only to look into the complaint as it pertains to the company reporting on my credit profile namely R & R Professional Recovery. It was reported to CFPB that the company does not have the right to collect. No other company is listed as an affiliate with R & R Recovery with attempts to collect the same debt. A  complete violation of credit reporting.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that inaccurate information continues to be reported despite previous disputes. The credit bureaus have repeatedly verified this incorrect information as accurate, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623. These sections require the credit bureaus to conduct a reasonable investigation and ensure the accuracy of information being reported. 

I have attached proof demonstrating that the information is not accurate and should no longer be included on my credit report. The continued reporting of this incorrect information is not only unfair but also a violation of the FCRAs provisions. 

Please immediately remove this erroneous information from my credit report as required by law, and ensure that future reports reflect only accurate data.
Product: Debt collection

I receive numerous calls throughout the day from this company. Three calls in one hour on most days. On XX/XX/ I received calls at XXXXXXXX XXXX XXXX XXXX and XXXX XXXX. On on XX/XX/ I got calls at XXXX and XXXX XXXX On XX/XX/ I got calls at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX. This happens multiple days in a row and all day long. They have called numbers that I did not give them to call and told them I have credit card delinquency and they are trying to contact me.
Product: Vehicle loan or lease

I leased my car XX/XX/XXXX from XXXX and Wells Fargo manages the lease. I put {$15000.00} down for the lease on XX/XX/XXXX. The payments were to be {$190.00}. I also made my XXXX payment in XXXX. I kept making the payments so I was 1 month ahead. In XX/XX/XXXX they billed me for 2 months saying I was behind. They started applying a {$9.00} fee that month. I called multiple times and was told it was an error. It kept being there even though I kept paying it. I have a record of paying 24 of these fees but they were never credited. I called multiple times because then it kept showing I was behind at this point. I was told to ignore it and it would work itself out. When it didnt one lady when I called in said she would credit my account for the fees and that would make my next payment current. It never did. I kept calling and started being transferred and would be on hold for hours and no one would answe even though it kept saying I was next in line. XXXX told me to email my complaints so I did with no response. They then added a {$600.00} repossession fee in XXXX of XXXX. I emailed again and was not responded to. I am current on my payments, but the fees still show on my account and the repossession fee they assessed me. They repossessed my car today because of these fees even though I had made all my payments, and never responded to my emails, nor answer my calls. I asked them to fix this numerous times so I could extend my lease as keep my car another year sense the payment is so low.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX the following information that was incorrect on my credit report XXXX. XXXX XXXX XXXX Account Number XXXX Opened XX/XX/XXXX Balance {$2500.00} - THIS IS NOT MY ACCOUNT ( FRAUD ) XXXX. XXXX XXXX Account Number XXXX Opened XX/XX/XXXX Balance {$7400.00} - THIS IS NOT MY ACCOUNT ( FRAUD ) XXXXXXXX XXXX XXXX XXXX  Account Number XXXX Opened XX/XX/XXXX LATE CHARGES IN XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ARE INACCURRATE
Product: Bank account or service

i was approved for a checking account with navy federal. I was sent a debit card, account number, and a welcoming email. after my sister asked about the XXXX referral fee I was then told that my account was fraudulent and denied access. I was told that I could not have any access because my sister and I have different last names. but we have the same parents. I was told that I could use my marriage license on the phone but when I got there I could not use my marriage license. I was basically told that I was liar and my money would be sent back to the irs even though my son gave me the money from his tax refund so basically I was not only called a liar but a fraud. I have not done anything wrong. my son called which he is a member to verify he gave me the money he was told that there is nothing he could do. my mother and father are deceased. my sister name is XXXX but was born XXXX dob XXXX/XXXX/1965 in XXXX which now she resides in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always had my account at good standing until I used my credit card to pay for a item on XXXX, {$750.00} the item never was delivered, I also put my info in a {$500.00} deposit on a auction car from global auction and they submitted it and kept my money. I have contacted the company they told me to contact self since I made the payment through self, self have not contacted me about the situation, I have emailed, called, message them about this same situation, Self made my credit go down, I did not receive a refund and I have charges and late fees on my account due to this situation. 
the XXXX servicer scammed me, he created a delivery shipping label and delivery drop off from ups, the tracking number was fake delivery never delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX has violated my rights.

1 5 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