23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

adding debt that is not known to me portfolio and XXXX XXXX sent the ftc violation
Product: Vehicle loan or lease

I am in the process of buying a vehicle at my lease end from Volkswagen Credit. On XX/XX/XXXX, I mailed the package of required documents including a certified check for the purchase via XXXX XXXX. On XX/XX/XXXX, I called to confirm that all was in order and was told that all documents were properly completed and that my check had been received. I was also informed for the first time that processing would be at least 4 additional weeks because of a backlog. This is unreasonable and unacceptable. Volkswagen Credit now has my money and no doubt earning investment income from it. At the very least I should receive some amount representing the interest I did not earn on these funds. What's more, if Volkswagen Credit is more than a month behind in processing, how much is the company holding in customer funds and are they earning money on those funds?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX XXXX Balance {$730.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} Date Opened : XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} Date Opened : XX/XX/XXXX Inquiries XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

CARECREDIT / SYNCHRONY BANK I was charged interest on the refund issued on my account after paying the entire balance PLUS the regular payment that month before I paid the balance. 

I made the regular payment on XX/XX/XXXX of {$220.00} was charged the interest on XX/XX/XXXX. The full balance owed on the XXXX XXXX statement was {$6500.00} On XX/XX/XXXX, I paid {$6600.00} ( which was the XXXX balance statement ) Requested a refund check on XXXX XXXX of {$77.00} as the balance was overpaid. Therefore, as of XX/XX/XXXX the account had a XXXX  balance. 

Received a bill for {$34.00} for XXXX INTEREST. Interest on what exactly? 
The statement showed the refund of {$77.00} as a purchase- which was incorrect. It was a refund! 
The rep tried to say at first the interest was because I didn't pay off the balance by the due date of XX/XX/XXXX, but I MADE that initial payment BEFORE I paid off the balance. 
When I advised I made that payment, they tried to tell me it was interest for a promotion that ended in XXXX of 2024 for which they charged my account of XX/XX/XXXX {$3000.00}, so that was also INCORRECT information. 

I continued to ask to speak to a manager as the rep refused to remove the XXXX interest charge and after being told multiple times NO, they finally agreed to transfer me and then after XXXX minutes, got back on the line to tell me that NO manager was available to speak to me, but they were going to remove the interest charge. If no manager was available, who did he speak to in order to remove refund. 

Synchrony Bank are a bunch of crooks. This isn't the first time I've had issues with hidden fees written in the small print when you sign up for something.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3 time I have filed a complaint after looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below :  XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 

XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX # XXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXXE # XXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXX XXXX My credit wa XXXX twice with them, I didnt give them authorization to run my credit. 
XXXX XXXX XXXX credit wasnt supposed been ranned at all with this company. 
XXXX  XXXX This company didnt have the authorization to run my credit at all.
Product: Debt collection

LVNV is trying to collect a debt which I do not owe them.
Product: Credit reporting or other personal consumer reports

My identity has been stolen and someone is using my information to apply for credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit reports so that maybe I would get a better understanding. After doing so I noticed some items on my credit reports are not mine. I'm unsure of how this happened. I need these items deleted from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I purchased an item on XXXX XXXX. I sent my payment through XXXX in the amount of {$300.00}. The recipient is XXXX. 

The next day, I realized that it was a scam since the shipping number was not working and the seller is no longer responsive - I never received the item until now. I reported this incident to the Federal Trade Commission, and to my bank, Wells Fargo and asked if they could stop or reverse the transfer. I also asked if they could contact XXXX 's bank to report his fraudulent activity ( ies ). 

I received a letter from my bank today and they are saying that since I authorized the transaction I am not eligible for a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The week of XX/XX/XXXX I sent validation/ verification to XXXX  , XXXX , and Transunion because XXXX/XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX  but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX so they were deleted from Transunion and XXXX. However XXXX is still on all three bureaus. XXXX wouldn't delete XXXX even though they never could prove the debt to be mines. Also XXXX couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.
Product: Debt collection

This started sometime last year with a phone call and leaving voice mal messages for me to call them back regarding this debt. Then it escalated to sending out a letter asking me to acknowledge the debt. I called the company on Wednesday, XX/XX/XXXX and spoke to a representative and told them I do NOT know about this account and I will NOT back a debt that I wasn't familiar with and very very old. The rep had no clue on how to address the matter. They tell you to call, write or email them about the debt. When I called the rep wasn't helpful at all. I told her that I wouldn't pay and that we can go the court. I also went on to explain that I would send something in writing regarding this debt and that's exactly what I did about 2 and half weeks ago. I sent them a letter telling explaining that I wasn't responsible for this account and that I would not own the debt. I also once again, told them that I would like to go to court and handle this matter but until then, I would not pay a cent. I received another letter on Wednesday, XX/XX/XXXX regarding the same matter, after I sent a letter. I did not open a checking account, savings account or credit card with this company back in XXXX. I will not be responsible for this debt and would like to proceed legally if I have to. The first letter I received from them did threaten to take actions on my funds it I didn't pay or could ruin my credit. I'm sick and tired of having to make weekly or monthly claims to CFPB or FTC. It's f*ing with my mental health and it's highly stressing me out. Especially when I 1000 % am sure that this is not something I took part in. I don't have no idea what this company is and what is pertains to. Is it a bank for checking/savings? Is it a credit card company? Is it both? They will not share this information with me and I even asked them to. Either they see me in court or leave me the XXXX  a lone!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 


2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 


4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX  6. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX  7. The following personal information is incorrect Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, LA XXXX 8. The following personal information is incorrect Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 9. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX 12. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX 13. The following personal information is incorrect Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX, LA XXXX 14. The following personal information is incorrect Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX, LA XXXX 15. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Credit card or prepaid card

During this Covid-19 crises our XXXX XXXX had to close its doors, we still have not been able to reopen. There is has been so much confusion and misinformation out in the world during this crazy time. I contacted my credit cards and mortgage company letting them know how our family has been affected by this crises. I was told there would not be any late charges or credit reporting during this time. Nordstroms may have been missed in all of this, XXXX of 2020 they gave me a 30 day late, never called me and then in XX/XX/2020 they gave me a 60 day late. They finally called me after the 60 days to inform me they dinged my credit. In all of this we have had to sell our home, lucky we found a buyer quickly but now no lender will give us financing to purchase our new home because of the 60 day late charge. I don't believe this is ethically fair with all that is happening in our country. I have been a loyal customer for 13 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised years ago and that hardship is still haunting me, I have many unidentifiable accounts on my report unknown and unauthorized. And as a consumer protected by the laws of the FCRA, I'm asking that these accounts be investigated and blocked. I will also like a detailed Method of Verification pending your investigation. A credit reporting agency should not report fraudulent accounts, accounts that have not been certified by physical documentation, no reputable credit reporting agency shall relay on old and outdated technology by electronic Verification. I'm demanding the removal and blocking of the following accounts 1 ) XXXX XXXXk {$2300.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX {$400.00} 4 ) XXXX XXXX {$1800.00} 5 ) XXXX  - {$250.00} 6 ) XXXX {$2100.00} 7 ) XXXX XXXX XXXX {$800.00} 8 ) XXXX {$2500.00} 9 ) XXXX XXXX XXXX {$1300.00} 10 ) XXXX XXXX XXXX $ XXXX 11 ) XXXX XXXX XXXX  {$700.00} 12 ) Chapter 7 Bankrupty 13 ) XXXX XXXX {$200000.00} 14 ) XXXX XXXX 15 ) XXXX XXXX XXXX   {$2100.00} 16 ) XXXX XXXX {$28000.00} 17 ) XXXX   XXXX 18 ) XXXX/Dept of Education 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have XXXX complaints with the same bank regarding a Prime Equity Line of Credit. 
On XX/XX/XXXX I made a final payment on a Prime Equity Line of Credit to Wells Fargo Bank XXXX. The account was opened by my husband who is now deceased. I am executor of his estate. 
After my husband passed in XX/XX/XXXX I went to the branch in XXXXXXXX XXXX with all the documents and closed his checking accounts. 
At that time I questioned whether the Lines of Credit needed to be paid because they were in my husband 's name and was told that was not necessary. I could keep making payments in his name. 
On XX/XX/XXXX XXXX line of credit was paid off. On XX/XX/XXXX Wells Fargo electronically submitted a Satisfaction of Security Instrument to XXXX XXXX Register of Deeds " in accordance of state law ''. The Grantor ( s ) name was spelling incorrectly and so the county has requested a Correction Affidavit to release the lien. I have spoken with Wells Fargo Probate Department to try and get this corrected and they claim the County made the error. Because I am not the account holder I can only work with the Probate Department and so I am stuck. 
When Wells Fargo allowed the Line of Credit to remain open they continued to make money but I essentially had no authority over the account. 
On XX/XX/XXXX I paid the final line of credit. In the payoff Statement it states " After the payoff is complete, we'll release the lien on the property in accordance with state law. '' I does not indicate that it will take between XXXX or as many as XXXX day for the paperwork to be submitted. 
I have a contract to sell the house tied to the liens. I was supposed to close XX/XX/XXXX but I am now in limbo and no one can tell me where the paperwork is or when I can expect it to be submitted. 
I am completely powerless. It is outrageous that there is no way to obtain the lien release within a reasonable amount of time. It should state in the payoff Statement that it is a prolonged process. I could have had the loan paid at closing. I am completely and utterly at a loss. Any help or guidance would be appreciated. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX
Product: Credit card

Kindly review the attached documents. I want the bureau to start an investigation into these accounts, as I am consistently on time with payments, yet they are reporting me as late.
Product: Money transfer, virtual currency, or money service

I can no longer use my paypal account because my account is permanently limited so I can't get my money out because it's still XXXX but I've done everything but I don't know how it can be resolved in this way to help me my paypal account is fine.
Product: Debt collection

Has contacted company to inform them debt has been paid and in progress of being disputed with Navient and borrowers Defense to be discharged. Nelnet has not taken any action to allow me to send in document and currently charging me incorrect charges towards my account. I do not owe debt Nelnet is claiming I owe and company is allowing me to continue to be charged and interest accruing.
Product: Student loan

I am writing you to bring attention to the Forgiveness Loan Program through XXXX XXXX are not working. In XX/XX/XXXX, I took out a student loan for {$5000.00} to attend XXXX XXXX XXXX XXXX ( XXXX ) to work myself off of XXXX and provide a future for my children. I worked a number of jobs before my career started at XXXX XXXX XXXX in XXXX. 

Firstly, I have been paying on this student loan since XX/XX/XXXX. On XXXX XXXX, XXXX, I filled out and submitted the Forgiveness Loan Applications. I received a letter for my last job that I worked at that time, but not for my 14 years of service from XXXX XXXX. I telephone them about my XXXX XXXX XXXX application and they stated that they had not received that one, so I re-faxed it. I received another letter regarding that my XXXX employment was approved, but I misplaced it and never heard anything from XXXX again. In XXXX, XXXX, my husband and I filed bankruptcy. Of course, Mohela ( who I have been paying my student loan through for the last 2 - 3 year ), even though they knew I had applied for the Forgiveness Loan program ; put my student loan in the bankruptcy anyway. I have filed complaints with the XXXX and the Consumer Financial Protection Bureau. 

Secondly, today, I received a response from the XXXX that XXXX XXXX XXXX, of Borrower Experience Advocates XXXX XXXX | XXXX, stated that I need to continue to work with XXXX. XXXX is refusing to help me. He is telling me that my bankruptcy attorney needs to get it out of bankruptcy, but knows that his agency approved me for the forgiveness loan. 

Finally, on XXXX XXXX, XXXX, I sent an email to my State Representative XXXX, whose office has not done anything. I should not still be paying on a {$5000.00} dollar loan from XX/XX/XXXX - XX/XX/XXXX, this should have been paid office.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$540000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to rectify the matter regarding my student loans with XXXX. After receiving correspondence that my student loans were in deferment last year due to the government protections put in place because of the pandemic, this year in XXXX, XXXX made all of my loans due and has reported me delinquent to all three credit bureaus for 6 months. In addition, interest has continued to accrue and I have received numerous calls and notices in the mail regarding the loans. I was once advised that the loans were not federally backed loans which is in contrast to the way they are reported on the XXXX site as XXXX loans. XXXX loans fall under the protections that XXXX and the XXXX of the United States have put in place since XX/XX/XXXX. 

XXXX is taking advantage of student loan borrowers and destroying personal credit that so many of us have worked so hard to build.
Product: Mortgage

Ocwen Loan Servicing took over my loan from Litton Loan Servicing XX/XX/XXXX, my contract with Litton Loan shows a deferment of $ XXXX which was documented for removal within 12 months if I stay on the property. After the 12 months when Ocwen Loan Servicing took over my mortgage they rolled the XXXX into my current principal balance of $ XXXX bringing my total mortgage to $ XXXX during another modification that took place in XX/XX/XXXX. I have called, written letter and shown proof that the XXXX removed from the principal balance under the legal agreement signed and notarized by Litton and myself. However, I am unable to speak with anyone that speaks English clearly, or that will respond to my claim. Letters have been sending to the research to remove the deferred under the Dodd-Frank agreement that was signed with Litton ; however, they refuse to acknowledge. I am not sure where else to go to to get help with the organization.
Product: Credit card

Received an offer from American Express to pay my cable bill. In return for paying my XXXX bill with my American Express Card, I would get a XXXX percent credit. I enrolled in the program on XX/XX/XXXX and received a credit on my XXXX and XXXX AMEX bills. My XXXX bill did not have the credit. I called American Express to find out why and was referred to the original offer ( attached ), which says " OFFER ENDS XX/XX/XXXX ''. The " offer '' was to sign up for the XXXX % savings. The average person would interpret " OFFER ENDS XX/XX/XXXX '' to mean that they had until XXXX to sign up for the offer. American Express told me that meant the XXXX % discount ended on XX/XX/XXXX! Using AMEX 's interpretation, the offer was deceptive. I would not have bothered to sign up for it if the savings were for only two months.
Product: Credit reporting

I have disputed this item with Transunion several times. Every time, I receive a response that the debt is valid. Yet, I have NEVER received any documentation that proves that ( 1 ) the debt is valid and ( 2 ) the debt is mine. I am at my wits end with the massively irresponsible behavior demonstrated by all of the credit reporting agencies ( XXXX, XXXX, and Transunion ).