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

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, to which I greatly disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected as soon as possible : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Student loan

Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. On XX/XX/2022, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit : XXXX XXXX XXXX, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXX XXXX XXXX XXXX , proves without a doubt that we have absolutely and massively scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans discharged in addition to the federal student loans. Loan balances through companies such as Navient, XXXX, XXXX XXXX and loan companies used for consolidation purposes should all be cancelled and refunded if those loans are taken out for a university on the list of fraudulent schools from the XXXX XXXX XXXX case XXXX I attended this school from XXXX XXXX XXXX My debt with Navient for a now known fraudulent school is 6 figures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit monitoring reporting bureous transunion, XXXX, XXXX must be removed and replaced by new credit bureous that can protect the consumer rights and provide the true information as needed. transunion, XXXX, XXXX collect any reported information ( some of them are incorrect information ) and impact the credit scores. They can make the poor score to excellent score or they can make the excellent score to poor score without a true base. Within the current financial system this actions play a big role for a hourly working personal and can impact the Financial status. We have to immediately terminate transunion, XXXX, XXXX to stop them to violate human, financial and economic rights. 
We truly need a new modern bureous that can monitor and report the information based an reality, contracts, fairness, responsibilities.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX intending to pay {$20000.00} each. Initially, the XXXX was quoted at {$19000.00} but was suddenly increased to {$23000.00} without justification. Despite my reservations, I proceeded with both purchases due to assurances from XXXX representatives about the vehicles condition and their commitment to resolving any issues. 

Shortly after purchase, serious mechanical defects were discovered in both vehicles. The XXXX  dashboard intermittently malfunctioned, making it impossible to read essential metrics like speed. Additionally, there was a persistent coolant system leak, resulting in warnings to park the vehicle to prevent damage. Meanwhile, the XXXX exhibited ongoing tire/rim issues, leading to frequent air pressure loss. I promptly reported these defects to XXXX, contacting both sales representatives and service personnel. 

One crucial conversation involved XXXX, who confirmed on a recorded call that the XXXX did not receive a standard pre-sale repair order and inspection, which is customary for their vehicles. Despite my efforts to cooperate and seek resolutions with XXXX and XXXX XXXX of XXXX, my requests were largely ignored, and responses were inconsistent, leaving me with unsafe vehicles and mounting repair costs. 

To complicate matters further, American Credit Acceptance ( ACA ), which financed the purchases, advised me during multiple recorded calls to withhold payments while disputes with the dealerships were ongoing. Relying on this guidance, I halted payments, only to face repossession of both vehicles on XX/XX/XXXX. This repossession, directly resulting from ACAs misleading instructions, compounded my financial losses and damaged my credit standing. 

In summary, this situation represents a pattern of misrepresentation, failure to disclose mechanical defects, lack of proper inspection, and detrimental financial guidance from ACA. I seek a resolution that includes the return of both vehicles in reliable condition, compensation for financial losses, and credit restoration due to the significant harm caused by all parties involved. I remain committed to providing any further documentation and communication records as evidence of these claims.
Product: Checking or savings account

I had a checking account with Bank of America that was canceled on XXXX XXXX without notice. I visited the XXXX XXXX XXXX branch in XXXX XXXX Fl that morning to check on my SS. and left the bank with {$5900.00} in my checking account. Later that afternoon I attempted to charge my credit card and it was declined along with a notice to contact consumer service. I tried to access my account online but was denied access, No such account, I called XXXX and was told that they did not have a record of my account number or my SS number or my name. I was transfered to the fraud dept and put on hold for two hours. I went to the local bank the next morning and the branch manager was locked out of the account. She eventually got a notice that I was to call XXXX. I called and was informed that due to " suspicious activity '' my account had been canceled. A team would be assigned to review the account and an email would be sent informing me of the status of the account. A certified check would be mailed to me if it was determined that I had funds due. I have not heard from the bank and have not received my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with a identity data breach, Involving tax identity fraud on my name XXXX XXXX XXXX. As well as my social, medical identity, social security card. 
Im trying to open a business checking account with Bank of America. However, the bank representative says my social security number is involved with someone in th military. also, my wallet was stolen and covid 19 is going on so I had to make new wallets and my credit is now messed up due to someone doing fraud please email me to assist thanks. 
The reporting agency named XXXX XXXX XXXX who governs the Bank of America and reports to them have stated that the report is now clear and Im able to access the account, however, the bank is still unable to open my Bank of America checking or business account! Please help thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been living abroad for sometime and just returned State Side and can came home to a bunch of unauthorized fraudulent accounts under my name and social listed on my credit reports : I've reach out to law enforcement and FTC regarding my concerns. Ive also tried to reach the various credit bureaus to no avail. The following fraudulent accounts need to be removed from my credit reports : 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 reporting or other personal consumer reports

Collection Management Account Number XXXX Whom It XXXX Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( XXXX ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Debt collection

NCB MANAGEMENT SERVICES is still furnishing on my XXXX report after deletion from both XXXX and XXXX to identity theft and inaccuracy. NCB MANAGMENT is not in compliance.
Product: Credit reporting

I had a Judgment against me on my public records. The court had entered it wrong so I went back to court and had it fixed. The Judgment now shows Dismissed. So after that I disputed it with Equifax. I sent them a copy of the court record the Judge her self gave me. They as in Equifax said that the copy that sent them was not Legit so they could not take it off my credit report. I than called them and told them that is the exact paper the Judge had gave me. They said that would not work, so I told them to look up on me public records where they get that info from and see it has been fix. The gentleman/supervisor said there is nothing he could do about it and then hung up on me.
Product: Credit reporting

EVERY CREDIT COMPANY THAT I TRY TO GET MY SCORE FROM IS STATING THAT I 'M 'NOT WHO I SAY I AM.. AND EVEN THROUGH MAIL I CANT GET MY REPORT IN MY HAND. I HAVE A LOT OF ISSUES WITH EXPERIAN ALLOWING CREDITORS TO REPORT THE SAME INFORMATION ON MY REPORT JUST CHANGING THE AMOUNT
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past months I see my credit report from Equifax have numbers accounts and inquiries 44 inquiries are fraudulents accounts are XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX all those accounts are fraudulents please tell Equifax to XXXX  those accounts and I right now thank you so much XXXX bless you
Product: Student loan

Between XXXX and XX/XX/XXXX, my loans accrued {$45.00} in interest, in line with the expected accrual. Between XX/XX/XXXX and XX/XX/XXXX, my loans have accrued {$240.00} in interest. This reflects a 25 % interest rate, well above my posted interest rate of 5.125 %. Aidvantage has offered me no explanation. 

Exacerbating the issue is the fact that Aidvantage has confirmed with me that I am meant to be in an interest-free administrative forbearance while the XXXX plan is litigated. My loans should not be accruing any interest per the ticket Aidvantage created for me ( their case # XXXX ). Aidvantage has confirmed that my interests should be accruing XXXX interest, but rather than correcting this, they have increased my interest rate by XXXX times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to you today to express my deep concern regarding the excessive number of hard inquiries and soft inquiries that are present on my credit report. I believe that these inquiries are having a negative impact on my credit score, and I am therefore requesting that they be removed. 

As you may be aware, hard inquiries occur when a lender or creditor checks your credit report as a result of your application for credit. Soft inquiries, on the other hand, occur when a lender or creditor checks your credit report for non-credit-related purposes, such as pre-approving you for a credit card offer. 

Unfortunately, I have noticed that there are far too many of these inquiries on my credit report, and I believe that they are unfairly damaging my credit score. This is particularly concerning to me because I have worked hard to maintain a good credit score, and I have always made my payments on time and in full. 

I understand that it is important for lenders and creditors to be able to check credit reports when making decisions about credit applications. However, I believe that there should be limits in place to prevent excessive inquiries from being made, especially when these inquiries are not related to actual credit applications. 

I am therefore requesting that you take action to have these inquiries removed from my credit report. I believe that this will help to improve my credit score and ensure that I am not unfairly penalized as a result of excessive inquiries. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely,
Product: Credit card

On XX/XX/year> I emailed Capital One to inform them that My XXXX room was broken into and over XXXX in precious metals was stolen from me. I did not receive what I paid for and XXXX issued only a partial refund and not the entire refund as promised. XXXX claimed to have assigned me a " claims adjuster '' but we believe that there is no claims adjuster and that XXXX willingly broke several federal and state laws by lying and pretending to be claims adjusters. We are suing XXXX for the theft of my property, violating my rights, and the other aforementioned crimes. 

I made Capital One aware of these facts. Capital One provided a provisional credit and then took that credit back expecting me to pay for XXXX 's theft of my belongings. Capital One sent me a generic email stating that XXXX provided " proof '' 'that the charges to my account were valid ''. 

My account went over {$1100.00} in the negative because of Capital One 's discrimination against me and this is not the first time. Capital One has placed restrictions on my account from the very beginning that kept me from spending my own money. Several of their Bank Managers admitted this on record. I will be filing a separate complaint momentarily that directly ties into this one but that is also separate. 

XXXX claimed from the beginning that they would issue me a FULL REFUND and that they had also assigned me a claims adjuster to handle my loss claim. I provided XXXX with video evidence of the crimes and the whole XXXX! 

Therefore, for the record. When I filed my complaint against XXXX  I didnt say that I didn't conduct the transaction, I SAID THAT I DIDNT PAY THEM OVER {$1100.00} TO HAVE MY VALUABLES STOLEN AND THAT THE SERVICES WERE NOT AS DESCRIBED. I also provided Capital One the claims adjusters name and number that XXXX provided me as you can see in the screenshot.. The American People need to know hoe these banks are siding with large corporations to steal from US.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal credit union regarding multiple overdrafts fee Ive occurred. Despite having sufficient funds when transaction were authorized. I was charged fees due to lagging posting is charges and credit .This issue aligns with the recent CFPB findings against Navy federal for similar practices where transactions settled with insufficient balances despite initially available funds ..I believe these practices is unfair and request a investigation of my account
Product: Payday loan, title loan, personal loan, or advance loan

Never established a loan ( company says it was for {$30.00} ). Company stated it was open in 2022 at which the loan was provided but they also started a membership which has been active since the loan was provided. I reached out to the company to deactivate the account and or cancel the subscription and the representative told me that her hands were tied because she couldnt do either until I paid them their money. I again attempted to explain that I was not aware nor authorized such loan and could they at least stop the subscription until we could get the the bottom of how this was opened. Again the rep. Stated no not until I pay them first.
Product: Mortgage

Mediation was done in court between NationStar attorney and borrower at the beginning of XXXX 2016. The agreement was to get the modification packet request to Nation Star.Modification request was sent by there due date. Left message with account manager on XXXX/XXXX/16 also spoke to XXXX who advised of other docs needed. These were faxed. Left another voicemail with acct manager on XXXX/XXXX/16. As of to date no return call from account manager. I spoke to a representative today, XXXX/XXXX/16 who advised me that the account is closed and house went up for sale on XXXX/XXXX/16
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with equifax because I advised them that these inquiries on my credit report were due to fraud and they have not removed them from my report. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX. These Inquiries need to be removed immediately due to fraud. 

I am filing a complaint with XXXX because I advised them that these inquiries on my credit report were due to fraud and they have not removed them. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several problems with my account I have addesseses and names that are wrong accounts that are not mine and a few labled charge off and a XXXX  XXXX listing that is not mine
Product: Credit card

I signed up for the US Bank XXXX XXXX credit card for the free 'bonus night ' award, which was exclusive to cardmembers after paying the annual fee of {$75.00}. However, they took away the bonus night - the sole benefit of me signing up for the card. I need the {$75.00} annual fee waived, since the benefit promised by paying the annual fee is now no longer given.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Product: Vehicle loan or lease

I have been paying extra on each monthly payment to lower my principle balance. The company isn't applying the payments correctly. They continue to lower my upcoming monthly payment by the extra payment amount. Eventually, I would skip a payment using their method because the monthly amount continues to lower each month. However, the extra payments should be applied to the outstanding balance, lowering the total amount owed on principle. My monthly payment would remain the same if they were applying correctly.