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

I am writing to dispute the derogatory mark on my consumer report that indicates I was late on payments to XXXX XXXX XXXX account # XXXX. I want to stress that I have always made payments on time and have never been late. I have attached copy of my consumer report from Experian and payment records to this statement to support my claim.
Product: Vehicle loan or lease

I have been with bridge crest financial loan since XXXX, one car totaled out and since XXXX of XXXX I have been financing a XXXX XXXX XXXX, Yes it was overpriced, XXXX XXXX XXXX when I purchased it. At XXXX XXXX. 

Yes I have fallen behind and yes I have made up for my back payments, including the 3 agreements Ive signed. With the 3-month payments there is no way I should still be in the rears of any kind and being charged those interest rates. The problem is, for the past 3 years XXXX XXXX has been charging me 3x monthly on a biweekly payment plan when I have been paying monthly sometime in XXXX. On many occasions I have inquired about why and they keep giving me the run around, XXXX me the option. 

This last date XXXX I brought it to operators attention and I also explained that they are charging me bi weekly when I am paying monthly and it is keeping me in the rears. I was so upset because I have been over this with them many time, I just said I would write you guys and let you handle it.

This has continued to hinders my on time payments, my credit score and from getting any type of credit. I believe this is malicious against a XXXX American Women since we are the first to be swindled in the auto motive industry and I have asked repeatedly over the years and argued with them about it.

XXXX
Product: Debt collection

On XX/XX/XXXX I was billed {$210.00} by the XXXX XXXX XXXX, and later that month, they tried to bill me again. I went to the XXXX XXXX and showed them the bank statement, and they told me it should be taken care of. A month later, I started receiving letters from this collection agency saying that I owed them a ridiculous amount of money for that debt. I called them and told them the bill was paid in full at the clinic, but they continued to harass me with letters. Now they have impacted my credit report with this action and I have tried everything to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed my shopping at XXXX XXXX where I had previously shopped and paid by check, and let the cashier know I would be paying by check. She advised me to sign my name on the check. I added my phone no. as I am accustomed to doing when I write checks. As I was advised previously as long as I am a XXXX XXXX " member '' I can write a check at the store and for up to {$50.00} cash back. I requested {$20.00} back so I could go buy gas. Cashier ran the check through the machine at her register but then advised that the transaction was declined. I called my bank because just today I had decided to cancel my check card after it had been missing for about the last week however they advised the cancellation of my check card would not trigger a decline of a paper check and they saw absolutely no irregularities with my account which had more than sufficient funds for the {$82.00} I was writing the check to cover. After enduring the embarrassment and humiliation at the store with store employees and other customers present, and a cart full of groceries, not to mention the hour or more it took out of my homebound commute, my son in tow, I called Telecheck at the no. on the receipt I was provided. I pulled over to punch in all the nos. requested and went through several loops as I drove home ( on a dangerously empty tank ) just to get to a representative. I attempted to learn what happened and how I could resolve the issue so that I would be permitted to write checks on my account and pay for groceries and gas during a period of time I had no other method of payment for basic necessities for my family. I was placed on hold to speak with a supervisor and was on the line a total of close to 90 minutes without any additional information shared to explain their actions, or any resolution whatsoever. This company needs to be held accountable both to merchants and to customers of those merchants. Its unfortunate too that XXXX XXXX could not have entertained other methods of verifying may payment with me, e.g. my photo id, my ph no., etc., but they rely on Telecheck to do that and Telecheck does nothing to support innocent customers who have absolutely no fraudulent intent just so they can make money providing a service that probably harms more people like me, to catch a few fraudsters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX FIN XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Following inquiries on my report are not mine and fraudulent ... Fraudulent Inquiries : - XXXX XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on X/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX on XXXX -  XXXX XXXX, XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17
Product: Credit reporting or other personal consumer reports

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX ; XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a/ XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact , so be it. 

Whereas, I of age, of majority, give this herein notice to all, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it. and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commences, so be it. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit C that EQUIFAX is in violation of 15 U.S. Code 1681b ( a ) ( 2 ). EQUIFAX did not remove the following accounts in accordance with the written instructions of the consumer : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

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: Debt collection

XXXX XXXX XXXX Account:XXXX NATIONAL CREDIT ADJUST Account : XXXX These companies registered their name with the CFPB multiple times under multiple names to avoid accountability and confuse consumers. Im tired of yall manipulating me. 
15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Mortgage

The mortgage loan is on my mothers name but deed is on my name. This mortgage was transferred from my name to my mother by a fraudulent mortgage broker who was indicted and sentenced by attorney general Massachusetts. Few months before my mother passed away last year, I have been negotiating a payoff from the PHH mortgage and they agreed to do a principal reduction payoff and gave me a {$450000.00} as a payoff from {$650000.00} principal balance. I am XXXX XXXX XXXX and tried to pay my mothers loan by doing a reverse mortgage. When I came to the closing I was informed that there was a lien on the property that needed to be removed. It took a month to get the lien off the property and in the meantime the {$450000.00} payoff expired and ever since last year XX/XX/2021 I have been asking them for an extension. They refused and wanted me to do an appraisal which I did. Now they want 90 % of the value of {$950000.00} as payoff instead of the principal balance. I have all the correspondence they sent me. At my age XXXX how can I get qualified for {$900000.00} payoff the existing mortgage. They are just playing games and more focused on foreclosing my property. Hope I can get some help and would be much appreciated. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a recent data breach and request that the following accounts and inquiries be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts are the result of the breach, and I am taking action to protect my credit. 
Accounts to be Blocked and Deleted : XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$180.00} XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$180.00} XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$580.00} XXXXXXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$610.00} XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$610.00} XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2400.00} XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$350.00} XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Inquiries to be Blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I was denied the right to make my payment via drive through. I have diagnosed XXXX XXXX XXXX and XXXX wich severely limits my ability to interact with people. I use the drive through as a way to elevate the XXXX XXXX. This morning at the walls fargo branch : XXXX XXXX XXXX XXXX XXXX, XXXX. 
I was told of a fraud alert wich I was NEVER notified of via phone or letter wich has my account closed and I would have to come in to the branch and physically make a payment. I tried to explain my XXXX to them and was still denied my right make a payment via drive thru. I'm an absolute wreck now. I'll have to double up on my meds and see therapist now. I am being discriminated against as a XXXX person, not only that, now I fear my account and identity has been stolen and wells fargo has not communicated with me properly. I also fear this is a retaliatory response for the many complaints I have against them with CFPB. This bank is out absolutely a predatory institution that does not have to obey the laws and takes advantage of people with XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint .This fraudulent, inaccurate, and false information consists of a few accounts : ACCOUNT NAME : XXXX original creditor! bought by debt collector XXXX  ACCOUNT XXXX DATE OPENED : XX/XX/year> ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX bought by XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX DATE XXXX HARD INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported as a charge-off stating I never paid the balance. I paid this balance in full to the original creditor. I paid this account in full back in 2012. I have tried to dispute this with the credit bureau however they keep reporting this incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Law False information must not be furnished XXXX XXXX XXXX continues to report my account as Trade with False Information This was a Secure Account which required a cash deposit which was never accredited to the account before or after the Charge Off Therefore the Balance is incorrect
Product: Credit reporting or other personal consumer reports

I submitted a claim to XXXX XXXX XXXX XXXX per the FCA and the CFPB they have 4 days to address the issues and have not at this point they are ebgaged in fraud and I want an investigation opened.
Product: Mortgage

Hi, this person is marketing himself as a licensed loan officer or " team lead '' with " EZ Fundings '' When I tried to look him up on nmlsconsumeraccess I actually do not believe he is licensed. Please see this image : https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX I looked him up by name and NMLS # he has posted. It does not exist.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so, they didn't follow the proper five validation procedure which makes this an unfair practice.
Product: Vehicle loan or lease

Ive been a USAA member for over XXXX  years and have consistently noticed a pattern in their loan payment structure that I believe is deceptive and inconsistent with what most other banking institutions would define as a " grace period. '' Recently, I spoke to many representatives, who assured me there was a grace period after a missed auto loan payment. However, upon further questioning, I found the following : Interest continues to accrue during this so-called grace period Late fees are still applied, contradicting the notion of leniency or flexibility When I asked for clarification, the representative repeatedly cited general language but was unable to explain the backend timing or mechanics of the penalty structure I referenced other institutions where grace periods mean no interest and no feesand was met with scripted deflections In addition, Ive observed over the years that USAA occasionally issues small refund checks to members, presented as reward-like gestures. In my experience, these are not generosity, but overpayment returns or fee recalibrations disguised to feel like bonuses. This contributes to a false image of ethical care, while the backend penalization systems remain rigid and unforgiving. 

The phrase grace period creates a misleading impression of protection or delay in financial impact, when in fact, the penalties and interest function just as they would without grace. 

This complaint is about transparency. 
If there is no true grace, USAA should not claim there is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to a car dealershiup and only authorized an inquiry for XXXX XXXX, however, the dealershiup ran my social across many companies and that has cause a dramatic decrease in my credit score and these inquiries were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

During the month of XX/XX/XXXX, I opened a Citi Diamond Preferred Account. Due to an introductory rate of XXXX XXXX for balance transfers that expires XX/XX/XXXX, I opted to pay off XXXX credit cards. A balance transfer request for XXXX XXXX XXXX was made on XX/XX/XXXX. I completed the balance transfer online and paid a balance transfer fee. I received an email on XX/XX/XXXX the balance transfer was successfully sent. I followed up with XXXX XXXX XXXX to confirm if funds were received and they confirmed no. When I contacted Citi during the month of XXXX, I was advised I entered the wrong account number and a claim would be open. I did request to complete a XXXX way call with XXXX XXXX, but I was informed additional research will need to be completed first. No follow up was received. I followed up with Citi during the month of XXXX and was told a request to XXXX XXXX regarding the balance transfer request. I continued to check my XXXX XXXX and it still showed a balance of XXXX. On XX/XX/XXXX I contacted Citi and requested to speak to a supervisor. The supervisor advised an internal team will work on my request and multiple attempts were made and XXXX did not respond. I inquired again about doing a XXXX way call with XXXX. I was once again told to call immediately after call to give them authorization to speak to Citi. On XX/XX/XXXX, I received notice via mail that my dispute is open and citi is processing my investigation. My purpose for writing the CFPB is a request to get this situation resolved.
Product: Student loan

MOHELA refuses to help get me on the PAYE income plan while I remain in limbo on SAVE. They are telling borrowers despite on their website directing them to submit the IDR plan request via StudentAid.gov electronically - then refuse to process it because there is not a " wet '' signature. This is unethical and an attempt to harm us with false information. MOHELA is stopping me from moving towards PSLF and is behaving unethically and fraudulently towards borrowers. All I want to do is be place on administrative forbearance to switch from SAVE to PAYE. All I want to do is pay my loans. All I want to do is the right thing, but they refuse to lift a finger and seek to delay, frustrate, and hinder people from moving forward with their lives.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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  TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX  TransUnion XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my Equifax credit report on XX/XX/2022. Noticed fraudulent inquiries on my consumer file. I then filed an FTC report, report number XXXX. I faxed the report and driver 's license, ss card, and utility bill to Equifax. I've called Equifax several times they still haven't " received '' /and or processed the report. " I will list the fraudulent inquiries here. These fraudulent inquiries are affecting me buying a home for myself and my family. 
Please delete asap. Thank you. 

XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX