23daVinci/CFPB_Complaints huggingface dataset:
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. 



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 XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Student loan

I took out private loans through sallie for my XXXX degree. Upon graduating, I was told my monthly loan payment would be over {$1100.00} & that there was no other option for me to repay unless I went by their repayment plan. That amount is not even a logical amount. The only other option they gave me was to go back to school & defer my loans, allowing them to collect even more astronomical interest. This lead me to have to consolidate my loans through another company just to get a lower payment because there 's no way I could afford to pay them over {$1100.00} a month with interest rates about 13 %. This company does not work with you or help you to repay loans at all. It 's impossible to get out of debt with them. Not to mention, having loans out through this coming any has destroyed my credit score.
Product: Debt collection

I am writing to formally dispute the debt you are attempting to collect, as I am not responsible for this debt. I contacted XXXX XXXX XXXX multiple times and explained that the insurance company had already sent a check to them. At my request, the insurance company resent another check, which XXXX XXXX XXXX failed to collect, resulting in the check being forwarded to XXXX unclaimed property. 

On XX/XX/2023, I received a letter from XXXX XXXX XXXX. Following that, the insurance company contacted XXXX XXXX XXXX by faxing the explanation of benefits ( EOB ). On XX/XX/2023, I formally disputed this claim, giving the EOB and payment for the deductible that I owed. According to my dispute, XXXX collected the check. Furthermore, per the attached XXXX letter, collection efforts should be stopped until they send new information, and no such information has been sent to me. Since XXXX has already collected the check and there has been no further communication since XX/XX/2023, it is an indication that XXXX has closed the collection. 

Please find attached the following documents for your reference : XXXX  Letter The dispute letter I sent to XXXX. 
The explanation of benefits from the insurance company. 
The check I sent and confirmation of its processing. 
Given these facts, I respectfully request that you cease any further collection efforts related to this matter.
Product: Bank account or service

I have an checking account with TD Bank. There was a security breech at the XXXX XXXX and all information with regards to card numbers and pin numbers being stolen. They froze my account in I believe it was XXXX and said in the letter explaining the problem that a new card would be sent to me and it never was. I have called several times trying to get my money out of the account but they always say that they cant help me because I cant tell them about any transactions I have had in the last 90 days. The only thing I can do is go into a TD Bank branch and prove who I am, meanwhile a frozen account is still being charged {$4.00} a month for maintenance fee. I am a XXXX running projects in XXXX XXXX and the TD Bank is only in the XXXX states and XXXX. They are basically stealing my money by refusing to give me my money back in a check sent to my house in XXXX.
Product: Vehicle loan or lease

The engine exploded a month after purchasing the vehicle. I had a XXXX year warranty on the vehicle however the warranty company did not want to fix the vehicle. I reached out to the loan company asking could they do anything or could they even put me an another vehicle for the same loan being that I only had the vehicle for a month. All payments on the vehicle were up to date. The loan place ask me what repair shop was the vehicle at, I told them, they also ask me when did the vehicle arrive to the shop. The vehicle broke down XXXX XXXX and was towed to the repair shop on the XXXX of XXXX. And credit acceptance is the loan holder they illegally repossessed my vehicle without my knowledge or consent. When I called them to inquire why my vehicle was taken they gave me a number and told me I had to speak to another department for answer. The vehicle is being sold at an auction on XXXX XXXX purchased the vehicle on XXXX XXXX. I still have not been giving any answers to why the vehicle was taken. The vehicle is a XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen this on my credit sine last year in XX/XX/2021 and I been disputing ever since I need this off my credit as soon as possible I'm trying to take out a morgage and buy a car but I cant because of these negative items.
Product: Checking or savings account

After sending money to an online seller with my debit card ( they used XXXX XXXX to collect my payment ), the seller did not ship the item and took down their website. 

With no way to contact the seller, I attempted to cancel the transaction with XXXX XXXX. XXXX XXXX was not responsive in a timely manner. 

After five days of purchase, I contacted Chase Bank to report the fraudulent transaction. 
Chase bank did a chargeback while they investigated. 

More than a month later Chase reversed the chargeback without giving me notice. 
After calling Chase, I was told that I had an agreement with Affirm to pay the money and since I financed ( used a debit card ) Chase does not protect me. 

Chase advised that I take the matter up with XXXX even though I received nothing for my payment. Bottom line is that Chase did not protect me from the fraudulent act.
Product: Credit reporting or other personal consumer reports

I found that it is authorized hard inquiries on my XXXX credit report that I did not authorize. 

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: Vehicle loan or lease

I purchased a boat with Yamaha Motor Finance Corp USA XXXX XXXX XXXX XXXX, TX XXXX XXXX Supervisor : XXXX XXXX Payment due XX/XX/2021. Payment in full for {$410.00} was mailed on automatic bill pay by XXXX XXXX XXXX  on XX/XX/2021. Allowing 11 days to mail and post. XXXX XXXX shows check as delivered XX/XX/2021. Giving still 4+ days for Yamaha to post payment. 

Due to slow posting by Yamaha, they claim the payment was posted XX/XX/2021. 
They charged a $ XXXXlate fee for XXXX being " late ''. 

Despite all payments being on time for full amount ; they were saying the $ XXXX/late fee was making the regular payments SHORT. And therefore charged additional late fees every month for all subsequent months. 
Despite the fact that all XX/XX/2021- XX/XX/2021 payments got mailed out 10 days in advance, they were charging a late fee even though full payment was arriving on time and short posted due to fraudulent late fees. 

All subsequent late fees stemmed from the original fraudulently applied a late fee in XXXX due to their own slow payment posting process.
Product: Credit card

As the surety I have begun the process of correcting records, discharging and notifying all entities employing the ALL CAPS name of the new stipulations. 
Notice of Subrogation/Surety and stipulation were sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of tender was sent XXXX XXXX XXXX  RE : XXXX XXXX XXXX XXXX notice of tender was sent XXXX XXXX XXXX  RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tender was sent XX/XX/ RE : XXXX XXXX XXXX Acceptance of discharge was sent XXXX XXXX XXXX 
RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt assignment, Rescission of signature and intention on writ was sent. 
XXXX XXXX XXXX Cert # XXXX XXXX XXXX XXXX XXXX XXXX. Exoneration notice sent It was never my intention to be part of a trust whereby I was not the beneficiary. 
Wells Fargos only response is to say the debt is valid. They have redeemed the {$21.00} money order sent on special deposit commingling funds.
Product: Credit card or prepaid card

This company was disputed few months ago, then they abruptly closed the account. Now, they are reporting account is 30 days late. How can I be late on an account that is closed. The company is reporting wrong information as I have not used this store card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT # XXXX Date Opened : XX/XX/2015 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Vehicle loan or lease

In a response letter reference # XXXX dated XX/XX/2021 to a pre-qualified credit application I filled out, CAPITAL ONE AUTO FINANCE has deprive me of my rights under color of law pursuant to 18 USC 242 and the Equal Credit Opportunity Act by denying my prequalified credit application and discriminating against me on the basis of : as you stated " my personal obligations and lack of revolving accounts '' which is not a valid and lawful reason to deny me credit on my behalf and is in direct violation of 15 USC 1691 ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION which clearly states it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction which you have done by denying my prequalified credit application and depriving me of my right to credit under color of law.
Product: Credit card

XXXX XX/XX/XXXX at XXXX XXXX XXXX  I deposited money at Chase Bank ATM The ATM malfunctioned ate some of the money and spit out some i deposited {$4300.00} but spit out XXXX And screen said Out of service and didn't give meReceipt and lost {$2500.00} I immediately went inside the Branch notified the Banker and explained to him what happened he said to me it happened to the other customer on Saturday and he will take care of it he tried to reach Credit card department he was un able to get some one at the time and it was late he said he would call me in the morning next day he called me next day they credited me {$2500.00} the amount the atm ate After one month the took the money back at XX/XX/XXXX and i went back to Branch and spoke to bank employee and they called customer service and again they put money back and credited the {$2500.00} And on XX/XX/XXXX they took the credit back and i called the credit department and they said talk to Branch manager and went to bank and spoke to branch manager he said he would escalate to fraud department and the will contact me. A week later some called me asked me what happened and she said should get back to me and she called me bank and she said nothing she can do go back to Branch mananer and see i f he can check the camera and i went back to and saw bank manager he told me he will call corporate security see if they can check the camera i called him and he said they need police report in order to check the camera i went to police station and spoke to officer and he told me is civil matter and they don't check camera and go back to the bank i went back to bank and bank XXXXnager was not there and i saw assistant bank manager and explained what police told me and she called chase security if they cant check the camera but they told her they needed police and manager said she will try to call the police herself and would get back to me any update And heard anything about two weeks today on XX/XX/23 i called the bank and spoke to bank manager he told me he cant do anything and he cant review the camera and i can go to court The gave me ran around for three month and they have my money
Product: Vehicle loan or lease

XXXX XXXX XXXX reported me 30 days late on my auto loan in XXXX. I called in on XX/XX/18 & the representative confirmed I was only 21 days late. I requested to have the information corrected and was told that I would have to send a letter to dispute the inaccuracies. 
I have now sent in 3 letters with no response.
Product: Mortgage

We refinanced our mortgage with another lender, but our previous lender was CMC Funding. Due to the refinance, we were to receive money from our escrow account equaling about {$4500.00}. We have received {$2100.00} of it but have not received the {$2400.00} from the insurance portion of escrow. I have contacted them on numerous occasions. Earliest being close to XX/XX/20 with me requesting status on our escrow checks. This date I was told that XXXX XXXX was paid {$2400.00} using a card and I would need to contact them. I contacted the insurance company and they told me that the charge was reversed due to Insufficient Funds back to the card they used. Most recently on XX/XX/20 when I was told that the charge to insurance was reversed and we would receive the funds by check in at least two weeks. Today ( XX/XX/20 ),  I'm being told it will be 19 days. Also, CMC Funding has not issued the Lien Release to the Registrar 's Office in XXXX XXXX, TN so we can close on our second mortgage. They said they would resend it online but they have failed to do so.
Product: Credit reporting

An unauthorized credit inquiry from a company that I do not recognize and did not authorize, XXXX. Credit inquiry took place on XXXX XXXX 2016. 
Although this is more than you probably wanted to know, this inquiry was discovered in the course of applying for a home equity loan from XXXX XXXX XXXX. I am following up to make sure there is n't a fraud issue. XXXX allows mail inquiries only according to Experian - does not have a listed phone number.
Product: Credit card

XX/XX/XXXX Received XXXX email stating I owed money and to call ph # XXXX right away which I did. Told that I owed {$6000.00} to their company, XXXX, and that I would go to prison if I failed to make the payment within 24 hrs. They wanted {$6000.00} in cash which I didnt have so I was terrorized into obtaining gift cards. I was only able to obtain gift cards for XXXX, XXXX, XXXX for a total of {$1700.00} which I charged to Discover credit card. They then told me to scratch off the card number then text a copy of front/back of each card which I did to # XXXX. 
They then told me that we were done for the day and they would be in touch again tomorrow until XXXX received all of the {$6000.00}. 

XX/XX/XXXX : Contacted Discover to dispute charges and cancel credit card. At time of call, only {$500.00} XXXX gift card showed pending transaction. No record of the remaining {$1200.00} in gift cards. 
XX/XX/XXXX : {$1200.00} first noted on Discover card for the remaining gift cards. Contacted Discover to dispute these charges and advised to contact Trade Commission and/or Federal Communications Commission which I accessed online. Was then directed to Consumer Financial Protection Bureau which brings me to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am writing because Equifax credit bureau, refusing to delete fraudulent items from my credit file. I have written them several times via certified letters, however I dont get a response in the allotted time, or Equifax would tell me they cant verify my identity though I attached my state Drivers license and a copy of my social security card. Or Equifax will send a response accusing of me using a credit repair company, which is certainly not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters Never has this paper work showed that this Debt is my Debt the only thing they have is paper work that has paper work with a name typed that says, XXXX XXXX I have ask them to Provide me a copy of my Signature They have sent me a 8 pages of Documents But NO Signature I am sending in this Request one last time to Remove This From my Credit Report I will Also Be contacting The Attorney General Office about this matter as well XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. According to the FCRA and Metro 2 compliance reporting standards information. If what you have on file for me doesn't match what's listed, then there are problems with either your records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently.
Product: Credit reporting or other personal consumer reports

Ive submitted this complaint several times CFPB, TRANSUNION & XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) TRANSUNION & XXXX with FTC Fraudulent report support my position. It seems TRANSUNION & XXXX is violating FCRA section 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the account removed/blocked per 605b with the attached documents again. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/2015 ; XXXX XXXX Balance : {$18000.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$990.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It is more than 45 days since but I did not receive any response or results. I want action and I know they did nothing regarding my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.
Product: Credit reporting or other personal consumer reports

I checked my credit report and notice multiple inquiries that I did not authorize.
Product: Prepaid card

After a " system update '' with Rush Card serviceI have been unable to access my funds in XXXX days now. My account balance has been XXXX out and I have money that should be available to me. I have called customer service for this company at least XXXX dozen times and I get no human response, I get hung up on every time. I am unable to access my money and I am getting no response from the company after trying many times to make contact via telephone and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Over the last 3 weeks, I have received a minimum 8 phones calls per day from Bank of America concerning " pressing business matters. '' Typically, I receive a phone call, then within 10 minutes I receive a second phone call. Within a few hours, this process repeats itself. I have contacted Bank of America and discussed the issue and was advised that until my account was up to-to-date I would continue to receive the phone calls. I explained that I was receiving several phone calls per day and that I considered it harassment but was informed that this would continue until i made a payment on my account. I advised the customer service representative that all of my accounts were up to date and they apologized after some quick research. I was further informed at that time that they would ensure that the phone calls would stop and that they had submitted a " call stop '' on my phone number. I was also informed that since I requested a " Call Stop '' that I would not receive any phones calls regarding any of our 5 accounts. However, within 30 minutes, I received yet another phone call from Bank of America concerning a " pressing business matter. '' I did speak with a third manager ( XXXX XXXX ), who as very kind, understanding and listened with intent. She informed me that she could not see where Bank of America had made any outbound calls to my number. The only thing she could see were 2 call backs. This is simply not true. ( 1 ) I receive, at minimum, 8 calls per day, ( 2 ) both times that I spoke with Customer Service Representative and Managers, I did so by staying online until I actually got to speak to a human being. Unfortunately, there is nothing that XXXX XXXX can truly due. I 'm certain I will receive yet another call within 10 minutes of hanging up with her.
Product: Credit reporting, credit repair services, or other personal consumer reports

They need to take XXXX XXXX XXXX account off her Trans union credit bureau never put XXXX XXXX XXXX account never put it on again as And you need too stop block both of us telephone number so we can solves XXXX XXXX XXXX  account because you are not solves both of us credit bureau reports