23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

A fraudulent account was opened in my name online. I contacted their fraud department and they instructed me to file a police report. I contacted the police and they told me they needed more than just a copy of the original loan agreement to prove it's fraud. I asked the company for a copy of the original application, an explanation of how they verified identity before approving the application, and a transaction history of the account created in my name. It's been several weeks and I haven't gotten the information they requested. They claimed payments were made to the account so it can't be fraudulent. I explained that the only reason payments were made were because whomever opened the account in the first place also had my actual checking account information and they setup automatic payments. That's how I discovered the existence of this account in the first place. After emailing customer service, they told me to call the main phone number for customer service and speak to a representative from the fraud department. When I called, they told me the fraud department only communicates to consumers through email. They then said they would create a ticket and reach out to me with further information. It's been several weeks and I still have not gotten anywhere.
Product: Credit card or prepaid card

Bank of America abruptly closed my account on XX/XX/XXXX. I have used this card since XXXX and its the oldest card on my credit report. I was not using it for the last 18 or so months until this XXXX when I took a trip to XXXX. I charged {$1000.00} on a credit limit of {$4500.00} and was not able to make a payment before the due date of XX/XX/XXXX. Because of being in XXXX, I was not able to use the online payment methods and was going to make the payment on XX/XX/XXXX when I returned. This has a major negative impact on my credit, being the oldest credit card I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX  Identity Theft BLOOM/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block this account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

An {$26000.00} auto loan for American Credit Acceptance showed up on my credit report that I am totally unaware of. It was opened in XX/XX/XXXX and recent monthly payments of {$660.00} have been missed or overdue. I called American Credit Acceptance twice. I spoke to a XXXX named XXXX on XX/XX/XXXX and a worker named XXXX on XX/XX/XXXX. Initially I asked how to report identity theft and XXXX said she would forward the information to the fraud department and they would reach out to me. I haven't heard anything back. When I talked to XXXX she gave me a little bit of information about the account and said she would email me a copy of the loan document, but I haven't received it. I also emailed the company on XX/XX/XXXX reporting that this is fraudulent and that I should not be liable for this account. They didn't email me back, so I emailed back on XX/XX/XXXX and they still didn't respond up until now and it's been past 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent XXXX letters and I'm not getting any help with my credit reports. 
I am having a few problems with Equifax because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and Equifax is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by Equifax. 

# 1 Problem with Equifax is I sent a letter to equifax on XX/XX/XXXX asking them to remove someone else name and date of birth from my credit report and they did not delete the incorrect names or birthdays. I sent my driver 's license and utility bill so they can correct my name, birthday and address and Equifax FAILED to make the corrections. My credit report dated XX/XX/XXXX is attached still showing someone else name, birthday and addresses on my credit report. I want this deleted right away! Equifax has no excuse to have somebody else information on my credit report. 

# 2 Problem with Equifax is On XX/XX/XXXX I sent Equifax a letter and a copy of my credit report with my driver 's license again because someone else accounts are on my credit report. Equifax claimed they verified this but it's impossible because I know for a fact the account not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit XXXX  times and I never been to XXXX College of Wisconsin. I also wrote to Equifax and XXXX XXXX because this account also belongs to someone else and XXXX and Equifax is still ignoring me. 

# 3 Problem with Equifax is 2 Collection accounts XXXX  XXXX  XXXX is showing 120 days late. XXXX  XXXX  XXXXis also showing 120 days late on my credit report. I wrote to Equifax and asked them to delete this and again, my letter was ignored. I wrote to the collection agency also and asked who the original creditor is and how are they reporting a collection account 120 days late because I know I read something that said a collection account cant be reported late on a credit report because thats against the law but Equifax and XXXX ignored my letters. My credit report is still showing this collection account as late. 

# 4 Problem with Equifax is that I sent Equifax another letter on XX/XX/XXXX about the accounts still being on my credit report after I provided proof that the accounts couldnt be verified accurately and my letters keep getting ignored. Equifax did not respond to my letter and none of these collection companies responded to my letters.
Product: Vehicle loan or lease

I questioned the charges at lease termination in XXXX 2017. I requested a copy of the lease because I misplaced mine. I reviewed it and sent them the following letter : Dear Sirs : I received your bill in XXXX for the lease settlement costs. I questioned the charges and requested a copy of my lease. Now that I have received and reviewed it, I have the following questions : 1. You invoiced me at the rate of {$32.00} per day for 23 days, a total of {$730.00}. The amount, according to the lease, should have been {$690.00} ( calculated as XXXX ( Section 29 of the Agreement ) times the Residual Value of {$17000.00} ( Section 7d of the Agreement ) times 23 days. 
2. Your charge for excess wear on two tires exceeds the cost of two new tires of the same brand and type, XXXX XXXX XXXX. Ive enclosed a copy of an on-line ad, and there were several at similar prices, showing new XXXX XXXX XXXX tires to be {$120.00} each. You charged me {$190.00} for each tire. That seems a bit much to me. Again, there are tires on the vehicle, you are only supposed to be charging for excess wear, not a replacement tire. 
3. You charged me {$110.00} for a missing Center Console Vent Trim. Honestly, I cant understand how it would be missing, if it was ever there. I am single. If anyone sat in the back seat, it was rare. I cant imagine them stealing the vent trim. Regardless, the item is {$18.00} on ebay. Hard to see how it could cost you more than 6 times that amount to obtain one. 
4. The allowable mileage on the lease was XXXX. The mileage at the end of the lease was only XXXX. I understand there is no credit for unused miles, but in view of this and the reasons I put forth above, the other charges appear excessive to me. 
I think the cost would be acceptable somewhere around {$800.00}. Above that I truly feel I am being unfairly gouged. 

They called repeatedly, standard collection calls. I told them I had questioned some of the charges. I never ... NEVER ... received a response to the letter I sent in XXXX, neither by letter or telephone call. I did finally speak with someone who said that they could see that my questions had been reviewed and that the conclusion was that the charges were correct. No other explanation. I walked this person through the calculation of the fee for excess days and they concurred I was right and said they would ask again for it to be reviewed and I should check back in a week. I believe this was in XXXX. I did check back and got the same answer. It had been reviewed and it was correct. No other explanation for where the charges came from, why they were using the amounts they did, why the calculation was wrong per my reading of the contract. Nothing. So we have reached an impasse. I can not get any explanation for the charges, or any answers to my questions. I have never had a company just tell me I owed something and not be willing to explain where the amounts they want to charge me come from.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Dear Sirs : I am XXXX XXXX XXXX. I am trying to pay my Walmart credit card bill from 2013 and I called and was transferred to 10 different numbers. No one could find this account but it is in my credit and is preventing me from buying a house. I can't understand this?!?! If they can not find it then how am I supposed to pay it? This is ridiculous. Please help me. Either they have it and I can pay it or they don't and I don't owe it. Please contact me or them and let me know what I can do.

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Product: Student loan

I have autopay set-up for  XXXX  federal loans. Navient did not process the autopay as contracted for  XXXX / XXXX /   2017  forcing me to make a manual payment. They are claiming I am pass due. They are responsible for initiating the autopay.
Product: Debt collection

On or about XXXX XXXX 2015 I ordered a refurbished Heavy Duty XXXX wheelchair from XXXX of XXXX Florida. I paid the company {$2200.00} electronically using my debit card. 

The chair sent to me was neither identified as a Heavy Duty model, nor were there any shipping tags or bill of lading, and the chair did not operate properly. 

After a volley of nearly XXXX, at times heated, emails, the CEO of the company offered to send me a NEW Heavy Duty model, as well as to refund my payment, and allowing me to keep the old chair which remains inoperable. The chair was delivered and operates, though in a very disappointing manner. Again, no shipping label or bill of lading was included with this replacement chair, that identified it as an HD model ... 

Now XXXX is apparently NOW attempting to collect for the new HD chair, though XXXX CEO promised it because of the deficiency of the chair that had originally been delivered. 

XXXX has never sent me a bill or any other written communication regarding this claim -- they did n't even bother to send a shipping tag/bill of lading until two weeks ago ... which I suspect they just dummied up because they had not sent it originally ... 

XXXX is using a firm called ALLIED INTERSTATE, which apparently is a subsidiary of an XXXX firm called XXXX, which firm has contacted me, asking for my social security number and to verify my name ... 

I owe XXXX nothing, based on the promises of their CEO, despite threats from a customer service representative ... 

I believe XXXX is operating in Florida illegally by not including proper labeling of purchased items, proper delivery information, and some sort of serialization of their products ... 

I was also suspicious when they offered to give me the new chair AND repay my payment to them, as well as to keep the old chair in response to my complaints about the old chair ... 

I want the harassing calls from this XXXX importer and debt collector to cease for a debt that is not owed by me ... 

Thank you for your help ...
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached letter to Equifax. See enclosed certified documents from the account in dispute ( XXXX XXXX ). This lender 's documentation confirms that the balance can not be validated. See page 3, the balance shown is {$3000.00} while page 6 shows {$3700.00}. Which balance is due? No one knows. In addition, the lender admits that the documentation for payment history does not align with dates of payment, as stated on page 1, paragraph 4 from  XXXX XXXX. Furthermore, page 3 of the document from XXXX XXXX shows payments in XXXX, XXXX, XXXX, and XXXX of 2020, page 6 shows payments for only XXXX and XXXX of 2020 ; my credit report shows " Negative '' payment history for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020. However, actual payments were made in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020 by the primary account holder. Obviously, as XXXX XXXX admits, the payment history does not align with documentation. 
According to federal law, the consumer is not responsible to maintain the appropriate records for payment history and balance. This is the responsibility of the lender. To comply with the Fair Credit Reporting Act, the account should be removed from my credit report since the account information can not be verified.
Product: Credit reporting or other personal consumer reports

I requested a method of validation on XX/XX/2024. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

I am currently on a three year Modification Plan with my mortgage company. This Plan will end in XXXX, XXXX. I was notified that beginning XXXX, XXXX, my monthly mortgage payment would increase by {$210.00} because my Escrow Account was in a deficit. I did not understand this and contacted the mortgage company. The Representative did explain that my Homeowner 's Insurance had increased by {$300.00} but that my Real Estate Taxes were reduced by {$200.00}, but, she tried to explain that these were not the reason why the account was in a deficit. She did, however, assist me in stretching this payment over a 24 month period, reducing the additional monthly amount to {$63.00} and she did email me a breakdown of my Escrow Account Activity. Upon my review of this activity, I was still not able to determine how the account went into a deficit nor how would the mortgage company allow this to come to pass. I ca n't say for sure that its true but it appears that they are trying to have me lose my home, that I have worked so hard to keep for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  Bankruptcy 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
Product: Debt collection

LVNV Funding LLC reported improper information on my credit reports. Debt already settled. I don't recall receiving any correspondence from LVNV Funding LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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
Product: Mortgage

Hello, Thank you for your help in this matter. I fell behind on my mortgage prior to the covid pandemic in the amount of {$8000.00}. I entered forbearance XX/XX/XXXX due to my business temporarily closing to abide by covid guidelines. During forbearance I was told by my Mortgage provider, Mr Cooper to make payments on the prior debt. I did this in the total amount of {$5900.00}. I saw that this was not being applied to my debt and was sitting in a category on my statement " unapplied funds ''. I reached out during the forbearance but was never able to get an answer concerning where this amount was going to be applied. My forbearance ended XX/XX/XXXX and I talked with a representative who encouraged me to apply for a loan modification. I did so and filled out the necessary forms. I was contacted a month later stating they would need a contributor package for my wife ( also unemployed due to covid ) We filled that out and sent it back. They kept returning it saying it wasn't correctly filled out. When I spoke with a representative they said it happens and to keep re-sending. This went back and forth for 4 months along with the same scenario for other paperwork they requested. I have now been denied the modification ( I have modified 3 times in the past ) and am facing foreclosure. This back and forth has also extended my debt by 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  ****XXXX* not mine XXXX ****XXXX* never late XXXX XXXX ****XXXX {$94.00} not mine XXXX ****XXXX not mine XXXX ****XXXX not mine XXXX XXXX XXXX ****XXXX {$280.00} not mine
Product: Credit reporting or other personal consumer reports

Equifax is the only consumer agency reporting the account XXXX XXXX XXXX XXXX XXXX which is reporting incorrectly. I have received no evidence that proves they have conducted a reasonable investigation into my complaints. Since we have been unable to come to an agreement on the deletion of this account I have initiate arbitration and this is Equifax notice to pay the filing fee for us to arbitrate this matter. 

Equifax XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This information is incorrect and since no evidence was given it is my belief none exist and Equifax is only interested in reporting this account because of the monetary value it receives. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card or prepaid card

American Express cut my credit limit in half due to low monthly expenses on XX/XX/2019. Im frugal and spend about {$200.00} a month on the card. They cut my limit from {$15000.00} to {$7500.00}. This increased my credit utilization ratio. They did NOT inform me of this change. When I called they said I could no longer change it. I went on the website on my own to raise it as high as I can. I got it to {$11000.00} but would like to bring it back to {$15000.00}. They refused to reinstate it. I havent made a late payment in 16 years! They seem like they just want to force people to pay interest so they can make money. I am leaving the company as soon as I get my replacement card.
Product: Debt collection

On XX/XX/2020 I ordered a free coin from XXXX. The fine print of that order indicated I would be purchasing a second coin for XXXX. When they told me I now owed this money I told them I didn't want the item, they sent me packaging to return it and I mailed it back to them. I never heard from them again until this year when nationalrecovery.com debt collection agency claims I owe XXXX  XXXX  XXXX. I have reached out to the XXXX XXXX via email multiple times and they will not respond to me at all. I am XXXX XXXX XXXX and believe they are trying to take advantage of me because I ordered this on the phone and I don't know what to do.