23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

To whom it may concern : On Friday XXXX XXXX, 2017, I purchased the vehicle identified in this letter from XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX ( salesman ). I was informed by XXXX in order for my loan to Get Approved I would need to sign all paperwork and add insurance to the vehicle before seeing or test driving the car. My response, I am at work and I can not leave today and his reply, I will come to your job. He arrived with paper work for me to sign and refused my request to make copies. Not to mention he did not drive the XXXX advertise for me to purchase. Also, I explain to him on several occasions I wanted a XXXX and his reply was keep this car 4 months and trade the XXXX in and I will get you a XXXX. Unfortunately, the vehicle has not been satisfactory because of the following : 1. Mileage ( incorrect ) 2. Inspection & Maintenance report? 3. Oil change ( receipt ) 4. Visible damages to the bumper 5. Head-Lights not clear 6. No additional key 7. Blue tooth & CD changer capability 8. Neither Cigarette charger works 9. No working navigation & etc. I was informed by XXXX all the items identified in this letter would be corrected once I purchased the vehicle. On Saturday XXXX XXXX, 2017 at XXXX, I text and called XXXX to return the vehicle. I did not hear back from him until Monday XXXX XXXX, 2017 at XXXX by text that he was in a closing. I have gone to the XXXX location for several weeks and no one is ever there. Finally, XXXX returned my call, stating give me a couple of weeks to make the repairs and you will be satisfied. After two weeks XXXX state, I would have to pay for the repairs. This is not what we agreed too. I reminded him of what he said and his reply sorry you are going to have to pay for it. Wednesday XXXX XXXX, 2017 at XXXX XXXX text XXXX and drove to the office. I disagree with his decision. I should not incur any additional cost due to the following under Alabama Code : Deceptive Trade Practices Title 819 Unlawful Trade Practices8-19-5 False Advertising Under Business & Profession Code False Advertising Title 819 Untrue or Misleading Known or Should Have Known Unfair Business Practice Alabama Code Title 27 Insurance 27-12-18 Alabama Business Compliance ( fiduciary responsibility ) Alabama Code Title 6- Civil Practice 6-11-20 Wrongful Intentional Act Consumer Protection Act Fair Credit Reporting Act I look forward to settling this matter amicably. If, however, the matter is not satisfactory resolved by Friday XXXX XXXX, 2017, I will  consider taking legal action to resolve the matter of fraud and deception through the Department of Commerce, Better Business Bureau and State ( s ) Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint previously but it was closed for duplicate complaint, but I only filed one complaint. 

On XX/XX/XXXX I sent certified mail to Experian, XXXX, and XXXX to dispute a facetious account on my credit report due to it not being in my name. I sent copies of my social security card, passport card, passport, and birth certificate as verification and the account still remains on my report after the dispute was closed by the respective companies. The account in particular has a suffix on it, and I do not have a suffix in my name. The account has an address I have never resided at as well. These are violations of the FCRA, my personal information, and it is impeding my credit worthiness.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXX  BANKRUPTCY Case Number : XXXX Delete this account. 

2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have been fighting back and forth with the three major credit bureaus XXXX, Equifax, and XXXX as well as the companies. I have sent in information to them showing I was a victim of identity theft and used other names that are not my full correct name. I have also asked these agencies and companies for verification that the information was actually accurate. According to 1006.34 notice for validation of debts they had 5 days to respond with any kind of validation and they have failed to do so multiple times. So since they are in violation they need to remove them off of my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX ; XXXX XXXXXXXX ; 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Complaint against NewRez dba Shellpoint as successor to Specialized Loan Services, LLC ( " SLS '' ), Qualified Written Request under RESPA ; Debt Validation request under FDCPA and demand for disclosures under TILA to verify ownership of alleged " mortgage debt '' and provide me with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation.

Pursuant to 15 USC 1641 ( f ) ( 2 ) Servicer not treated as owner on basis of assignment for administrative convenience A servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as the owner of the obligation for purposes of this section on the basis of an assignment of the obligation from the creditor or another assignee to the servicer solely for the administrative convenience of the servicer in servicing the obligation. Upon written request by the obligor, the servicer shall provide the obligor with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation. 

On XX/XX/2017 SLS sent me AI-generated unsigned letter ( attached ) informing me that " the servicing for your loan was transferred '' and SLS will start to collect my payments starting XX/XX/2017. 

This is my QWR, DVR and demand under TILA disclosure to provide me with the name, address, and telephone number of the owner of the obligation who paid money for the debt as required under UCC Art 9-203 ; or the master servicer of the obligation who authorized SLS to collect my payments and who was entitled to receive my money, with a wet-ink signed authorization from the owner of the obligation to verify that SLS was authorized to collect my payments I demand a respond from the real human authorized employee of NewRez who has personal knowledge about this transfer and whom I can contact directly in person. No runarouds from artificial intelligence.
Product: Credit card or prepaid card

On XX/XX/2021 I discovered Synchrony Bank closed my " XXXX XXXX '' card and my " XXXX XXXX XXXX '' card. When I called and asked why they claimed they sent me a letter informing me they were closed, to the wrong address. And the reasons for closing my accounts were inaccurate. They said I had toolittle credit cards, I had 6. They said my rotational balances were too high, all cards had a {$0.00} balance, and they said lack of real estate on my credit report, which makes you wonder how I bought this new XXXXXXXX XXXX property where they obviously didn't know the address to, even though I changed it to be on file. The reasons they closed the cards is a lie and inaccurate. I have the same credit I did when they gave the cards several years ago and it hasn't changed. I had no real estate on my credit when they gave them to me originally, and now I own a XXXX XXXX farm that is clearly on my XXXX report. Not to mention my credit is better now than its ever been. I want to know why my cards were taken from me and my credit score affected by the removal of those cards without my permission. Companies can not make decisions that affect my credit without my permission unless my accounts are in collection, which they never were. I never missed a payment with either of these two cards and there was no reason to take them and get my credit score dropped behind inaccurate information. I know for a fact they never did a Hard Inquiry to my reports, because I monitor them. So how did they decide to take my cards, a soft inquiry? Those are not accurate.
Product: Credit reporting or other personal consumer reports

After recently receiving an alert of a new derogatory listed on my consumer report, I analyzed that the account was fraudulent and has appeared on my consumer report prior. The name type of account appears to be utility/phone services. The curren debt collector is " XXXX XXXX XXXX XXXX '', the previous debt collector was " XXXX '', and the original creditor was " XXXX XXXX XXXX XXXX The account listed is fraudulent and does not belong to me. The account is also listed as being " charged off '' and under 15 US code 1681 2 ( A ) i " transactions or income is not permitted to be listed on a consumer account ''. I have not received a 1099 form for this " alleged income '', and I did not consent to this account being obtained.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the XXXX  credit reporting agencies are supposed to report/provide complete and accurate information for accounts placed for collection, charged to profit or loss, etc. Per the attached consumer report, XXXX XXXXXXXX XXXX account has incomplete and inaccurate information which puts Equifax in violation of my rights as a federally protected consumer. There is a date of last payment reported, but no last payment amount reported and no Date of Last Activity reported. If there was a last payment made, what is that amount. Why is it not being reported? Also Equifax is stating that this alleged account was opened XX/XX/XXXX but according to the payment history table, there is no data for the entire year of XXXX, XXXX and up until XXXX of XXXX. Where is this data? The payment history starts XX/XX/XXXX, which is different from what is stated. Why is this information starting XXXX years after the account was opened? Per the account details, the Date of First delinquency is reporting as XX/XX/XXXX why is the delinquency first reported date XX/XX/XXXX. There is nothing reporting for the Date Closed. What is this information and why is it not being reported. What is the Date of Last Activity? What is this information and why is it not being reported. Lastly according to account details this alleged account was reviewed for XXXX  months, but the payment history only accounts for XXXX months. Where are the remaining months that were allegedly reviewed. 
This alleged account, is still showing inaccurate and incomplete information on my consumer report. The date is XX/XX/XXXX and this alleged derogatory account has been on my consumer report for several years. Delete this immediately. Equifax is in violation of my rights as a federally protected consumer for reporting inaccurate and incomplete information.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why its there. I regularly check my report, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the unauthorized inquiry remained. This issue is extremely frustrating, and I demand that the documents Ive sent be reviewed thoroughly so I no longer have to deal with this stress.
Product: Credit reporting or other personal consumer reports

Experian has allowed in accurate information to remain a consumer credit reports and proper reinsertation sham investigation has failed to follow the Fair credit report act per fcra by not connecting reasonable investigation into consumer disputes after several attempts.

According to the fair credit act fcra section 605b it is illegal to report information on my credit report without my permission please remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are account on my credit report that I no knowledge of.
Product: Student loan

First, I am not the only one experiencing this interest accrual issue with MOHELA - It seems to be a broader issue impacting thousands of people XXXX XXXX XXXX On XX/XX/2024, I received an emailed notification from MOHELA that due to the federal court-issued stay preventing the Department of Education ( ED ) from operating the Saving on a Valuable Education ( SAVE ) Plan - which I am on - the ED had directed MOHELA to put my account into a forbearance. That meant that while in this forbearance, no payment would be required on my account and the interest rate was set to 0 %. Meaning no interest would accrue while I am in this forbearance. The letter also stated that they would notify me before the forbearance ended, which is fine because I had my loans set up on Auto-Pay and was paying them prior to this federally mandated forbearance. 

As of XX/XX/, the federally directed forbearance on my student loans has not been lifted, nor has there been any federal announcement from the ED that those put into federally directed forbearance should be accruing interest. However, my loan has started to accrue interest, and in a letter dated XX/XX/, from MOHELA, they have stated that although no payments are due at this time, interest continues to accrue on my loan ( s ) during the forbearance period. You have the option to pay the interest during forbearance. 

This is in direct violation of the publicly stated terms posted on the XXXX website as of XX/XX/, which states : A federal court issued an injunction preventing the U.S. Department of Education ( ED ) from implementing parts of the Saving on a Valuable Education ( SAVE ) Plan and other IDR plans, includingfor exampleSAVEs monthly payment formula and loan forgiveness under the SAVE, PAYE, and ICR Plans. 

You have been placed into forbearance because your servicer is not currently able to bill you at the amount required by a recent court order. Borrowers will be in this forbearance until servicers can send bills to borrowers at the appropriate monthly payment amount. 

While in forbearance, you do not have to make monthly payments on your student loans. Interest will not accrue during this forbearance. 
XXXX XXXX XXXX MOHELA is charging people interest on these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX signed me up for a credit card for a timeshare.We attended a presentation at XXXX XXXX XXXX in XXXX on XX/XX/2022. This was supposed to be a good thing for my family and it has turned into something Im not gon na be able to afford to use due to all the extra costs they lied about. We were lied to about being able to take 2 trips a year and them only costing XXXX points each. To take one trip with my entire family I would have to buy 2 years worth of points if the booking was through XXXX XXXX. Then the armbands are actually XXXX or XXXX dollars per person/per day, the per day was never explained or said to us. On top of all this the free trips they gave up are only valid for XXXX people and XXXX of them have to be under XXXX XXXX XXXX, another thing they never mentioned to us. All this deception is why we feel we should be able to cancel our timeshare membership. We were lied to and our credit was run without permission on a credit card that we did not authorize XXXX XXXX to charge
Product: Credit card or prepaid card

I was looking to apply for an everyday rewards credit card and I went online to www.americanexpress.com ( XX/XX/2018 ) and clicked on " cards ''. There were different options for cards and the BLUE CASH EVERYDAY card seemed to fit my needs and what I was looking for. The welcome offer stated " 0 % APR for the first 12 months '', {$200.00} back as statement credit after spending {$1000.00} using Amex card the first 3 months of card membership. I then clicked " apply now '' and upon submitting my information I was instantly approved. I DID NOT leave the page and returned at a later time. At the bottom of the welcome offer I clicked " apply now ''. 

After receiving my card, I made a big purchase and I called american express to ask general questions on rewards and such. I was told that I did not receive the welcome offer 0 % APR. I asked to speak with a manager, and I was told they would investigate this and I would get a notification with the outcome of the investigation. I was notified a few days later that I was not eligible for the welcome offer with no explanation. I called back to speak with a manager and apparently a manager was not available and the representative took my phone number and told me I would receive a call from a supervisor/manager. No one ever called me. I am extremely disappointed because I was looking to build my credit, however, due to the misleading and FALSE information/advertising on the American Express website I am now receiving outstanding interest rates. I would of never applied for this card if it wasn't for the welcome offer. It is unfortunate that no one at American Express helped me by honoring the welcome offer and fixing the situation as I truly believe this is something that could of been rectified to keep customers happy. Each and every representative I spoke to did not try to help me and seemed to rush me off the phone. 

If they honored the welcome offer I would of been a loyal customer for life, paid off my balance in full and continued to use my card and eventually upgrade. I want American Express to do the right thing by applying the welcome offer to my account 0 % APR and apply the {$200.00} statement credit on the XXXX month since I spent over {$1000.00} during the first 3 months of my card membership.
Product: Credit card or prepaid card

I was notified Capital One closed all my accounts including the ones Ive had long term in good standing. They closed all accounts because of one I fell behind on, a new card. 
I called and spoke to senior account supervisor XXXX XXXX on XXXX ; She was unable to tell me which part of the agreement I violated which resulted in accounts in good standing to be closed. She refused to advise me where to look to see what I violated because she didnt have it in front of her Insisted she had to email me the agreement which I have not received. 
She advised me that there are no financial advisors and they can only read off of their templates. If they are able to help with the templates they will otherwise they will not. They have to stick to the templates. 
When asked what they planned to report to credit bureaus for the closed accounts in good standing she advised they had to put all my accounts in negative standing in order to report, which would make reporting fraudulent, however on their end it would be considered accurate reporting. She constantly acknowledged other accounts paid for in a timely manner and paid with more than the minimum payment balance due. However she stated they would be closed and reported as negative closed accounts.
Product: Debt collection

I contacted XXXX in XXXX when I got a credit card bill. I called and told them it was identity theft and that I never opened a card with them. They told me they would take care of it and not worry. In XXXX, I checked my credit report, and they put on the credit report that I owed money. I called and tried to resolve the matter, but they told me they no longer had access to the fraud account under my name ( which wasn't mine. It was fraud ) and that they couldn't close it even though I had documentation to prove that it wasn't me including a police report for fraud and identity theft. They told me to dispute through the credit report companies, but I was denied a dispute because the company still says it's me even though it isn't. I want this resolved, or I will contact the police again about this issue with XXXX. This is ridiculous, and it is the company 's fault for not double-checking when someone opens a card in someones else 's name. I want this off my record cause it is not me. XXXX sent a debt collector to me for {$5100.00} in XX/XX/2022. I will not pay this cause this is fraud debt.
Product: Debt collection

L.J ROSS ASSOCIATION VIOLATED 15 USC 1692g -VALIDATION OF DEBT L.J ROSS ASSOC . VIOLATED 15 USC 1693o-1-Remittance of Transfers ( A ) 15 USC 1692 ( 1 ) L. J ROSS iS a3rd party debt collection agency attempting to collect a debt in which they did not administer violating FCRA AND TRUTH IN LENDING REGULATION Z. CFPB Has aready sued XXXX for reporting fraudulent information to consumers credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX AGREED TO REMOVE THIS DEBT FROM ALL CREDIT BUREAUS AGENCIES IF I PAID IN FULL WHICH I DID AND THEY DID NOT!