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

I opened a complaint in regards to this before. Santander is already involved in a predatory lawsuit which all employees at Chrysler Capital just refer you to s website when you ask about it. I have been severely impacted by COVID-19 and even prior when I had XXXX and a rare XXXX XXXX. I am given absolutely no options here. I tried to get an extension and I was denied due to having 6 extensions when covid hit, no one knew it would last this long. They refused to assist in lowering my payments, rate or anything to help. They gave me a modification twice with an increased maturity date for 2 more years of interest at 17 % and no reduction in payment. I recently asked if we can lower the balance in order for me to get out of a loan that is putting me and my family in severe hardship and they said " we don't settle '' we will just take I to auction and you will have a deficiency balance and have to pay it. This is absolutely ridiculous that they are not helping anyone affected by a national emergency. Every other lender mortgage, credit cards, utility companies, landlords have something in place. This was predatory lending since the loan originated.
Product: Credit reporting or other personal consumer reports

i requested to the credit bureaus equifax XXXX XXXX XXXX  to remove the derogatory accounts that were not mine i submitted an identity theft report and the stated that the information was verified without and documented proof
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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are supposed to 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 or other personal consumer reports

This notice addresses unvalidated late payments on my credit record that remain unresolved despite my written dispute submitted over XXXX XXXX XXXX Your failure to respond or provide validation within the required timeframe violates federal law.
Product: Payday loan, title loan, personal loan, or advance loan

I am a victim of identity theft, bank and mail fraud computer intrusion and hacking. I tried to check my Affirm account and was denied access using my Drivers License. The error message said the credentials didn't match. My number was changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Guard told me I would receive a refund of {$420.00} upon cancelling my account. That was over a month ago.
Product: Debt collection

SPS have not adequately responded to by QWR and have avoided to answer pertinent questions to my dispute. SPS is not the servicer of any loan in my name, have not paid any property taxes, property insurance or mortgage on my behalf and continues to rely and make false, misleading and fraudulent statements concerning the alleged account in order to foreclose on my property. 

SPS claims that they are required to send me statements by law when in fact there is no law that requires SPS to continue to send false and inaccurate statements through the Unites States Postal Services. 

SPS claims to be the servicer of a loan in my name when it have not participated in any servicing activity and can not prove otherwise. 

SPS claims that it have paid property insurance on my behalf when SPS can not prove otherwise. I have always paid my own property insurance. 

SPS claims that if have paid property taxes on my behalf when SPS have not and can not prove otherwise. I have always paid my own taxes to the county in which I live. 

If SPS or any agent, client, and/or attorney of SPS continues with a foreclosure on my property they will be liable for actual, punitive, statutory and compensatory damages. 

In addition, if SPS or anyone acting on SPS 's behalf continues to send false statement through the USPS mail it will be considered an administrative default to FDCPA VIOLATIONS, VIOLATION UNDER 42 U.S.C. 1981, MAIL FRAUD, AND RICO VIOLATIONS UNDER 18. U.S.C 1961 & 1962.
Product: Money transfer, virtual currency, or money service

I am a XXXXXXXX XXXX male. I fell victim to an internet-based wire fraud scam on XX/XX/XXXX, and wired away nearly all my money in M & T Bank - {$75000.00}. I thought I was being helped by a M & T Bank fraud investigator, who set up an " alias '' account for the wire at XXXX in XXXX VA. Attempts to get information from XXXX on what happened with the wire went unanswered weeks thus insuring I would never be able to recover the theft. The fraud began on XX/XX/XXXX when I mistakenly hand entered XXXX as XXXX. I crazy popup window appeared saying my machine was compromised by hackers, being used to send things out, and to call XXXX at a phone number. There was no way to close the popup. After a while I called the number... Please see attached pdf for the full story and details. I filed a crime report with the Vermont State Police on XX/XX/XXXX, Case # XXXX. I have requested ( FOIA ) a copy of the report. On XX/XX/XXXX I filed an FBI Internet Fraud Crime report for XXXX XXXX using a form at XXXX : XXXX. But there has been no followup. The US Secret Service received a copy to my State Police Report. I talked with an agent, but not enough money was stolen for them to act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX credit card # : XXXX, XXXX XXXX credit card # : XXXX, and XXXX XXXX XXXX XXXX XXXX credit card # : XXXX is lost/stolen, and all the charges/transactions on the accounts are fraudulent and unauthorized.
Product: Money transfer, virtual currency, or money service

Bank of America fraudulently took {$6900.00} three times from my checking account. I paid of the balance of {$6900.00} on XX/XX/XXXX on XX/XX/XXXX XXXX they took out the {$6900.00} again, then again on XX/XX/XXXX. 
Confronted with their mistake they told me they would replace the funds on 3 to 5 business days. 
This cause more over drafts and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Repair Info Police Report Hello as of XX/XX/2021 I've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : Experian, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. I have notified : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. This incident happened XXXX at my previous home. My truck was parked at when it was broken into. To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have filed this complaint before but no response .I have been calling XXXX XXXX XXXX for over two weeks now and not one person has been able to help they just connect me to different people. A few times they even acknowledge there an issue on the report but say we dont have access and cant do anything. Nobody has access to correct a report which is inaccurate Who Can help? I am in a bad situation here because of this report.XXXX  claims account was closed due to fraud which is inaccurate it was closed because of a negative balance and i paid it off in full why are reporting it as fraud? As a consumer you are diminishing my rights and causing me many issues Resolve this right away This is not right I have filed a complain before. Been contacting XXXX  XXXX XXXX for over two weeks. As explained to them I was overseas for a one month trip but unfortunately due to XXXX returned after 3 months. Called XXXX XXXXXXXX XXXX and they notified me my balance was negative ( {$280.00} ) .I paid off the amount in full and confirmed with the banker on a recorded line that all is good, nothing on file and nothing will be reported, which the banker confirmed and even told me he can connect me to another person and open a bank account. At the time I did not need one and moved on.3 weeks ago I tried to open an account and was told there is a report on XXXX XXXX .I requested the report and in it XXXX XXXX XXXX has put a remark that this account was charged off and due to fraudulent activity it was closed. Called XXXX XXXX XXXXXXXX over 10 times, they just connect me to different departments and in some cases i have dealt with very rude and unprofessional people specifically there fraud prevention team. The fraud team tell me I have balance due which I absolutely do not and on the file attached I even got verification from XXXX XXXX XXXX. The collections team says your balance is XXXX but the fraud team has to remove the report from XXXX XXXX. Again the fraud team simply says no and you have to wait for XXXX  years for it to be automatically removed. ( What are they thinking ) I am professional who works in the XXXX XXXX XXXX and my salary is in the mid XXXX digits why would I commit fraud for {$280.00} WHY? Then they tell me I must sent proof, Proof of what? That I didn't commit fraud? You are accusing me of that you send me proof? This is my last follow up I have consulted my lawyer and will follow up with a lawsuit by next month if not resolved. Currently I can not open a business account due to this issue and loosing money and its nota small amount Please follow up right away and remove all reports from XXXX XXXX or anywhere else you are reporting this inaccurate information LETTER ATTACHED
Product: Mortgage

My son and I applied for a home loan with US Bank. We received pre-approval. There was a problem with the mobile home on the property. I paid a {$390.00} application fee and the very next day I was informed that the loan was denied because there was no comparable property. I received nothing in writing about the denial. I did receive a letter a week later saying I was denied pre-approval because I did not have enough revolving credit. I have only a couple purchases in the last three years but my credit score is XXXX. I believe they rushed the application fee and already knew that the loan would be denied. I was told by other loan officers that fees are collected at closing and only paid if third parties are to be paid which there are none.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

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 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, credit repair services, or other personal consumer reports

TRANSUNION KEEPS NO RECORD ONLINE ABOUT ANY OF MY DISPUTES. I HAVE DISPUTED SEVERAL INVALID ACCOUNTS WITH TRANSUNION OVER THE LAST 2-3 YEARS, AT LEAST 15 TIMES I FILED DISPUTES WITH TRANSUNION BUT THERE IS NO RECORD OF ANY DIPSUTES THAT I FILED. WHAT IS TRANSUNION HIDING? WHY IS TRANSUNION NOT DOING THEIR JOB? 

HERE ARE THE ACCOUNTS I DISPUTED A MINIMUM OF 5 TIMES EACH ACCOUNT, OVER THE LAST 2-3 YEARS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NEVER RECEIVED ANY DISPUTE RESULTS OF ANY KIND FROM TRANSUNION ON ANY OF THESE ACCOUNTS I DISPUTED. TRANSUNION HAS NEVER PROVIDED ME ANY OF THEIR INDEPENDENT INVESTIGATION RESULTS! TRANSUNION NEVER SEND ME ANY REPORTS OF HOW MY DISPUTES WERE INVESTIGATED, I NEVER RECEIVED PROOF OF WHAT METHODS OF VERIFICATIONS WERE USED? NO WRITTEN DOCUMENTS, NO RECORDS, NOTHING AT ALL. 
WHY IS TRANSUNION GETTING AWAY WITH ALL THESE FCRA VIOLATIONS? 
WHY DO I PAY THEM A MONTHLY SERVICE FEE FOR THEIR ONLINE CREDIT REPORT ACCESS, BUT THEY KEEP NONE OF MY DISPUTE RECORDS AT ALL? 
THIS IS A VIOLATION OF MY CONSUMER RIGHTS. 
TRANSUNION CANT IGNORE MY DISPUTES AND THEY CAN NOT IGNORE MY REQEST FOR ALL INVESTIGATION REPORTS. 
THIS NEEDS TO BE FIXED IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am concerned about the information being reported about me on my report. I do not know what is correct anymore and need this inaccurate account off my report.
Product: Credit card or prepaid card

i filed for bankruptcy 7 years ago and over those years i have paid on time on all my cards, paid off a car and shown Im a person who pays their bills. my credit has improved and my student loans are off my credit as well. 


i should be able to get an XXXX XXXX credit card or at least a secure credit card. i have applied multiple times and still getting denied after applying. i think they need to change their practices on who gets approved. i find it very hypocritical when they judge me when they got a XXXX dollar bailout from the government. 

Bank of America received {$20.00} XXXX in the federal bailout from the U.S. government through the Troubled Asset Relief Program ( TARP ) on XX/XX/2009. 

judging on past bankruptcy which was 7 years ago is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted XXXX XXXX XXXX and made payment arrangements to bring the account current. I explained that XXXX would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday XX/XX/2017 that I was given wrong information. I made 3 payment arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and XXXX will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with XXXX but was not able to dispute it online with transunion and XXXX as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes XXXX will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by 35 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX online system was hacked in approximately XX/XX/2018. My login information was changed, then my mailing address was changed and a new card requested in a different state. Subsequent charges were made by a thief. As soon as I became aware I notified XXXX XXXX. For the last two years I have fought XXXX XXXX XXXX, and the collection agency they turned me over to ( XXXX XXXX ) to correct this fraud requested copies of transactions and signatures, and disputed the reporting to my credit report. Now I am being sued for these charges. 
The hacking of their online systems has resulted in 2 years of identity theft issues where this same individual continues to take out accounts that I have to dispute using my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. XXXX is reporting a XXXX account and XXXX is not I have attached XXXX Credit Report showing that the XXXX derogatory Account has been deleted. I demand that you delete that account.
Product: Debt collection

I have to duplicate collections on my account that are incorrect they are the same amount and same companies I would like this duplicate collection taken off I have called the company they said once they report a account they can not take it off can you please help me remove these inaccurate information Here are the names XXXX XXXX XXXX, ORIGANAL COMPANIE. 
11 XXXX XXXX BALANCE OF {$710.00} I C SYSTEM, ORIGANAL COMPANIE. 11 XXXX BALANCE OF {$710.00} the remarks also state Affected by natural disaster this is completely incorrect
Product: Credit card or prepaid card

on XX/XX/2022 I was notified, not by synchrony, but by XXXX  XXXX  that my account was closed. I had received no warning, and had paid the late fee already related to an issue setting up my bank account for my first payment ( on a less than {$100.00} charge on a {$1200.00} credit line ). 

With no NOTIFICATION, and less than a month after making an official payment once getting my bank account set up, my account was closed with no warning, resulting in an extreme negative action on my credit report. This not only dropped my credit score significantly, but effected my credit usage, further impacting my score. 

When contacted, I was given different reasons by different representatives. Ultimately, because they could. 

This is an extremely negative practice that is damaging and dangerous, especially in this economy, to consumers. All attempts at communication were met with blanket statements, with no offer of resolution. This is akin to loan sharking. 

They want open accounts so their business numbers are good, but do not want consumers utilizing credit lines they as a company can't afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this accounts, I don't have any agreements or contracts with this companies.
Product: Credit card

synchrony bank unilaterally decided to close my paypal mastercard. they provided no reason other than to say " they found my spending and payments suspicious ''. this despite having the cards for years, always paying my balance in full each and every month, and making valid purchases and payments regularly and often. the generic closure letter was a violation of due process. 

despite my disagreement with the closure of the card, they refused to reinstate me. the card had also accrued over {$300.00} in cash back rewards at time of closure and synchrony bank REFUSED to send me a check for the {$300.00} cash that i earned. they refused to transfer the {$300.00} to my paypal balance. I earned the {$300.00} for legitimate purchases and on time payments. Synchrony has no basis to withhold rightfully acrued cash back for a customer and should release them to me at once.
Product: Student loan

I called EdFinancial Services on Thursday, XX/XX/2022 to request my last 8 loan payments ( online payments made between XXXX ) to be refunded to my account in preparation for the loan forgiveness application. The total refund requested was {$1700.00}. The representative told me my loan balance would reflect this refund, increasing from {$7100.00} to {$8900.00}, in maximum of 120 days. He refused to provide written documentation that this request was submitted so I have no credible way of tracking its progress nor if it is being processed at all. The representative also could not tell me how I would receive the refund money, whether that be a check or directly into my bank account. 

I am greatly concerned by the company 's lack of documentation and efficiency, especially knowing that other student loan servicers are offering refunds in a faster and much more transparent manner. I have repeatedly checked my EdFinancial account to see my balance still standing at {$7100.00}, indicating that no refund has been processed. I am requesting a full investigation into this student loan company as it continues to neglect its customers.