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

On XX/XX/XXXX I was in a wreck which totaled my vehicle XXXX XXXX XXXX which was deemed a total loss by my insurance company XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX I provided all requested documentation to both XXXX and my GAP insurance provider XXXX XXXX. 
Since they were unable to obtain a police report, the claim was placed on hold. After acquiring the police report, they refused to pay the agreed balance until the case was resolved and deemed dismissed. This was communicated to the loan provider XXXX XXXX XXXX XXXX XXXX and they continued to demand payment in full of the remaining balance of {$18000.00} immediately which could not be done. 
I made regular payments up until XX/XX/XXXX and XXXX paid {$12000.00} on XX/XX/XXXX leaving a remaining balance of {$5200.00} which was the responsibility of XXXX XXXX XXXX XXXX. From XX/XX/XXXX until XX/XX/XXXX fees and interest were continually charged on the account and on XX/XX/XXXX a payment in the amount of {$3100.00} was made to the account by XXXX XXXX based on the original valuation provided directly by the lender XXXX XXXX XXXX XXXX XXXX. Through all of this XXXX XXXX XXXX XXXX XXXX assured me there was nothing I could do and to wait and never mentioned a balance after receiving their payments. When I realized there was still a remaining balance from INTEREST on the account in the amount of {$400.00} on XX/XX/XXXX I immediately organized a payment plan to pay the account and paid the amount of {$400.00} on XX/XX/XXXX. They now display this account negatively on my credit and have refused to remove such remarks though I held up all aspects of my agreement and made all payments as agreed.
Product: Credit reporting or other personal consumer reports

On my credit report there is a charged off XXXX account with the account number XXXX. 
To : Credit Bureau Subject : Request for Verification Method and Documentation Under FCRA for Disputed XXXX Account number XXXX Dear Credit Bureau I am writing to formally request information regarding the verification process you used to determine that the disputed account on my credit report, which I assert is a result of identity theft, indeed belongs to me. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and request that you provide specific details of the verification process and documentation used to substantiate that this account is mine. 

To date, I have submitted a formal identity theft affidavit with my dispute, affirming that I did not open or authorize this account. Despite this, your response indicated that the item was verified as belonging to me. I am now requesting the following under my FCRA rights : Method of Verification : Please provide details on the specific method of verification you used, including any contacts made, the names of individuals consulted, dates, and times of communication, as well as any companies or entities involved in verifying this account. 

Documentation : I request copies of any documents or identification used to verify that this account belongs to me. This includes : Any signed applications or agreements associated with the account. 
Identification documents presented at the time of the account opening. 
Any correspondence from the entity claiming that this account is linked to my identity. 
Under the FCRA, specifically section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), credit bureaus are required to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' or delete the item from the file if it can not be verified. Your verification process must be thorough, particularly in cases of identity theft, and simply relying on automated systems such as e-OSCAR does not satisfy the reasonable investigation standard established by FCRA or case law ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX  ) ). 

If you are unable to provide documentation proving that I signed and authorized this account, I demand that this account be permanently removed from my credit report immediately. I expect a response within 30 days of receipt of this request.
Product: Credit reporting or other personal consumer reports

One company is LNLV which just keeps showing, XXXX regardless of the action I take and even a lawyer fixed it ( for an expensive fee ) and it appeared backed on the credit account. 


The second is XXXX XXXX insurance which I replaced with XXXX XXXX XXXX  and both parties have the information, now XXXX caused numerous problems and a significant ( almost XXXX point drop in credit score ). XXXX IS A FRAUD!! THEYVE REFUSED TO FIX DAMAGE TO MY VEHICLE UNLESS I PAID {$1000.00} Co-Pay ( not even in vehicle, I was working inside! The driver drove away ). Regardless, when XXXX offered a lot less than {$510.00} a month, I cancelled my a XXXX policy via Phone, E-mail, Paper mail with stamp, faxed to corporate office. In addition, any debt owed to XXXX XXXX XXXX I paid in full. Then re-advised not just my local office, but XXXX corporate office in all the above mentioned ways. They demanded money after no debt was owed to them, they also dropped my credit score and made me an at risk customer in the database out of spite. 

LNLV a needs to be removed once again. If they have an issue, I will bill them my previous legal bills ( they wont forget again ). 

In addition, XXXX needs to remove any and ALL debt. THEY ARE COMMITTING FRAUD! I HAVE PAPERWORK THAT SHOWS ALL PROPER STEPS WERE TAKEN TO CANCEL MY POLICY AND PAY ALL DEBT. I HAVE PROOF THAT XXXX HAS BEEN MY ACTIVE AUTO INSURER!! SHAME ON THEM!!
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a XXXX $ personal loan and the interest rate changed to 23 % after i agreed to the loan. the information sent prior to agreement was a lower interest rate than I am now responsible for. I attempted to get information and the customer service sent me to applications to obtain a larger loan. I have received mailings asking me to apply for a larger loan from discover. I attempted to negotiate at reasonable pay off amount XXXX $ of XXXX $ and was denied with continued attempts to have me give them auth to schedule autopay and update my banking info. I believe this loan practice is predatory and there is no attempt to assist me as a customer. the current loan has collected XXXX $ interest over one year. I have made on time payments for a year and only XXXX $ has been taken off my principle.
Product: Checking or savings account

XX/XX/year> - create a new account, deposit a {$10000.00} personal check made out to me and a second {$5000.00} check made out to me. 

XX/XX/year> - see my account locked in app and {$5000.00} deposit no longer seen. Call number shown on app, told one check is under investigation but the rep isn't sure which one. I'm told to just keep checking the app. 

XX/XX/year> - called in evening the two deposits were confirmed to show even though i still can't see the {$5000.00} deposit, but the reason the account is locked isn't available, told to call back and speak to internal investigations after 8am eastern. 

XX/XX/year> - called and rep refused to allow me to speak to internal investigations, told me {$5000.00} check doesn't show on my account anywhere after waiting on hold many times finally told I just need to wait. I asked for my money back and told that isn't possible while investigating. I asked to speak to a superior the rep spoke over me and hung up. 

All I want is a little transparency and consistency. I need to know what's going on with my new account and deposits, they have not provided that information and I now feel it was a mistake choosing this institution.
Product: Debt collection

Received a debt collection letter from this company. Followed the instructions to get online and make a payment to settle the debt. They listed a payoff amount lower than the supposed debt owed and I paid that amount. Then the balance said I still owed. I have been unable to contact anyone at any hour on any day of the week to get assistance with my supposed debt. This company is a scam and has taken money from me. I want my money back and for this company to be flagged as a Scam!!
Product: Credit reporting or other personal consumer reports

I am writing to demand immediate action regarding the persistent inaccuracies on my credit report. Despite my previous efforts to address these discrepancies, the same incorrect information remains unchanged. This lack of responsiveness is unacceptable.
Product: Credit reporting or other personal consumer reports

My report is not accurate and incomplete. Payments show delinquent for XX/XX/year> and XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  according to the fair credit reporting act whenever a consumer reporting Agency prepares a consumer reporting it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to. 15USC 1681 ( c ) ( b ) and according 15USC 1681 I5 They are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general after reinvestigation under paragraph ( 1 ) of any information diputed. Please also see attached invoice provided by XXXX XXXX wich shows the inaccuracies on reports.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Checking or savings account

XX/XX/2023 I was informed that my non public personal information was compromised as a part of the XXXX of XXXX breach. This included my checking account number as a dd recipient with JPMorgan Chase. I went into my local Chase to close my checking and open a new one. They eventually opened a new account, froze the old one, prepared a list of my outstanding items, dir deposits, and auto pymts. I was told their BACKOFFICE will pay the listed items on the new account. The list included my Chase Visa ccard which I pay in full each month and my Chase mortgage. Within two days I started receiving text messages from Chase notifying me of items clearing listing only an amount. I went to Chase for more info and was told it was a fraudulent text, to delete it and block the number. It was my XXXX pymt. It was returned not paid. Two days later Chase informed me that they were closing my accounts. Once I found out they decided to close my account, I tried to just close it in person and was told I couldn't and they would send me a check within 7 to 10 days. They have now frozen my new checking account, closed my debit and Chase rewards credit card ( forfeit rewards earned ). They will not allow me to withdraw any of my over $ XXXX dollars which is what I use to pay my cc and mortgage as well as all other expenses. Nor will they explain why they are holding my funds. All deposits to my account acct are collected funds, XXXX of XXXX XXXX and Social Security. I have been with Chase since the XXXX XXXX purchase with no NSF or fraudulent activity ever. There are no legal related garnishments or other holds. I don't know what to expect when my next retirement wages come in on XX/XX/XXXX. I am a fully XXXX XXXX XXXX retiree. I have not had access to my funds since Monday, XX/XX/XXXX and have yet to receive any of my money or a reason for their behavior. I was told that they do not have to provide me with a reason. I previously filed a complaint against Chase through CFPB and wondered if this was their way to retaliate.
Product: Credit reporting or other personal consumer reports

I submitted a request for human trafficking suppression under Section 605C Trafficking Block Request. I need to move immediately and they are not helping me because they say I have to submit online. When I try, their site won't allow me to do the submission.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX and XXXX florida defrauded hundreds of students who went to their schools in XXXX florida and XXXX Florida in XXXX, the owner XXXX XXXX stole all the students aid loansmoney and XXXX XXXX us dept of education approved loan money up {$10000.00} and never trained the students the owner of the school went to prision plead guilty, the students never recieved training and had to leave the school and was left with student loans debt they never recieved or the school training, now XXXX the us dept education collection agency XXXX in XXXX nebraka still hold students ' like me accountable for student loans we never recieved or got training for, and damaged our credit reports for student loans, we never used or recieved someone need to discharge and suspend all student loans from these schools due to fraud, theft and illegal school activity from XXXX the owner of the school went to prision and the fbi need to be involved and dismiss all collections by the department of education XXXX student loans, also they required you to be able to typing at 100 wpm after you enrolled in their school but did not state this before you enrolled in their schools
Product: Credit reporting or other personal consumer reports

XXXX and XXXX have been reporting erroneous information thus dropping my credit score more than XXXX points. Starting in XXXX of XXXX I have disputed the problem several times. In XXXX of XXXX my credit report was finally updated however shortly thereafter the wrong information was re-reported. I disputed the situation again and it was corrected but only to report incorrectly again. Each time the wrong info is reported my credit drops by about XXXX points. Not only is the information that is being used dated back to XXXX, there is no bank statement supporting the claim that I have a debt of more than {$15000.00} as they have reported.
Product: Credit reporting

during the annual credit report identity verification review, the questions presented used information for mortgages and credit cards which i have no knowledge of. this led to my credit report being inaccessible. I have never opened a mortgage, and i have XXXX bank card. the questions in the attached image of the prompt refers to accounts i have no knowledge of. So far i have seen evidence of the following fraudulent accounts opened in my name. A mortgage loan opened XXXX XXXX, a retail credit card opened in XXXX XXXX, and a bank card opened in XXXX. I can not access my equifax and XXXX credit reports online currently due to these errors. i am awaiting a mail in report in the near future to verify these are the only discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company falsely reported in defamation of my character. Further you created a deceptive form that made lenders and creditors, believe that i was not an idle XXXX to extend lines of credit too. Further pursuant to 15 usc 1681 ( a ) ( 4 ) A consumer reporting agency must exercise their grave responsibility to reporting 100 percent Accuracy and credit reporting. Due to your inaccuracies and non-verifiable information 0ver a XXXX hard inquires. other people 's information blocking me out of monitoring services, XXXX i have been trying to have you guys fix for over 4 months now not able to place credit freeze on my report. denied personal loans, extension of lines of credit as well. and multiple other violations under the XXXX. That my lawyer has been documenting. It's on file with Equifax that i was a victim of your data breach as well. This is a formal notice to let you know my attorney that will be representing me on these multiple violations Equifax is responsible for. and will be held accountable in state and federal court. thank you for your prompt and immediate response to attending to this matter
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XXXX I obtained a boat loan from XXXXSantander Bank. On XX/XX/XXXX, I sent Santander Bank a check for {$30000.00} to pay off loan this check was posted to my bank statement on XX/XX/XXXX. I received a letter from Santander Bank dated XX/XX/XXXX stated loan was paid in full. 

In XXXX of this year my Ex received a call asking me to call the bank. I did and was told I was a month overdue on my payment. I explained I had paid off this loan. The bank person looked at documents and found the paid off loan letter and told me she would correct the problem. On XX/XX/XXXX I received a letter from bank stating I was overdue {$590.00} on the balance of XXXX. This letter came about the time I had talked to the bank person. I did not respond. 

In early XX/XX/XXXX I got a message to call bank. I did and was told I now was 61 Days overdue on payment of {$1200.00}. I called bank on XX/XX/XXXX, I insisted I had received a letter saying loan was paid off. They stated there was a balance due and I needed to pay it. That evening I went through my files found the letter stating loan was closed. On XX/XX/XXXX I call customer service at bank to state I had my letter saying loan was paid off. Customer service could not find this loan. I was sent to loan person who sent me back to coustomer service who sent me back to a different loan dept who sent me back to coustomer service. No one could find the loan. I was advice to email Bank which I did I and received an electronic response. 

On XXXX XXXX I filed a complaint with OCC, case number XXXX. 

On XX/XX/XXXX I received a certified letter from bank stating I was overdue XXXX and if payment not received by XX/XX/XXXX my boat would be reposed. 

On XX/XX/XXXX I called bank. The bank representative told me they had received my payment of XXXX in XXXX and {$3500.00} had been reversed for probably insufficient funds.. That evening I dug through more files and found my bank statement indicating my statement had been posted a withdrawal in the amount of {$30000.00}. There was no insufficient funds. 

This has become crazy.
Product: Credit reporting or other personal consumer reports

I WAS A VICTIM OF A DATA BREACH AND MY INFORMATION WAS USED.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX my Experian account is inaccessible. Experian was notified of the problem but is refusing to respond and has not corrected the malfunction. My User Name at the Experian website is no longer valid for some unknown reason, possibly fraud/hack. Experian upon request will not email to me a reset for a new User name so that I can have access to my account. 

I wasted hours on the phone and computer attempting to resolve the issue, but can not reach a human to explain the problem. I am locked out of Experian with no way of getting back in. The Experian website does not allow requests for help without having a valid User Name and password of which mine has been corrupted / made unusable. 

Experian is unresponsive to any contact efforts I have made. The Experian automated system has hung up on me several times, and refuses to allow me to speak to a real person. 

I believe that my account may have been hacked, and that Experian 's refusal to allow me to directly contact their customer service personnel is a harm to my financial well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

This company XXXX BANK in violation of the FCRA 1605b, is continuously reporting unverified, invalid debt to my alleged consumer credit reports. This company along with its associated account ( s ) are listed in a notarized FTC identity theft report, to which they are now obliged by Federal law to block any further reporting of the alleged information to.
Product: Debt collection

On XX/XX/2023 Resurgent stated that a debt collector does not have an estimated time to validate the alleged debt that they claim I XXXX XXXX the original creditor owns. RESURGENT CAPITAL SERVICES L.P. is in violation of the FDCPA 15 USC 1692e False or misleading representations ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. I XXXX XXXX don't know if you are RESURGENT CAPITAL SERVICES L.P. or LVNV FUNDING. This also is a deceptive practice as it is misleading and a violation of the FDCPA Regulations. Debt collectors have a responsibility to operate within compliance of law otherwise 15 USC 1692k Civil Liability for willful noncompliance. The debt collection company have not acknowledged all of the questions within the debt validation letter. I XXXX XXXX have reason to believe that RESURGENT CAPITAL SERVICES/LVNV FUNDING are unable to answer all of the debt validation questions asked in the letter sent initially because it may expose the compliance of the company. As you say to consumers. Your silence is assumed. Your silence is of the acquiescence. I XXXX XXXX also want you to know that I am aware of the arbitration agreement of XXXX XXXX XXXX. If LVNV FUNDING bought the debt you are liable to be arbitrated against since you now own XXXX XXXX XXXX agreement. Arbitration will be costly for both parties, but even more costly for LVNV FUNDING LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXXXXXX 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