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

When I checked my credit record, I discovered a lot billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement XXXX days earlier. Below is the list of the disputed accounts. 
XXXX XXXX & XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$460.00}. I previously requested that you remove send me with copies of proof of verification or the results of your investigation to support your claims that the disputed accounts are indeed investigated or verified. Without these documents, immediate correction of the disputed accounts are expected.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of identity theft resulting from a recent data breach that compromised my personal information. Due to this incident, several fraudulent accounts were opened in my name without my consent. I am invoking my rights under the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), to request that these fraudulent accounts be blocked and permanently deleted from my credit report. 
Please find below a list of the fraudulent accounts : XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$340.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$2500.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$830.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$230.00} XXXX. XXXX XXXX  XXXX. - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX OF XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00}
Product: Credit card

In XXXX XXXX + Onemain Financial had issues processing auto pay payments per there call in number. They said it was being fixed. However they did not bother to inform anyone that with the issues that they had that our auto payments in XXXX would be effected. My payment was {$170.00} when it is normally around $ XXXX {$52.00}. They did not take into account the domino effect would have on their customers when they had issues with processing auto payments in XXXX and they surely did not take that into account with XXXX payments due. I was told that I could call and cancel at my bank but then I would be charged a late fee and then I could call back and they would credit the late fee but that goes against me and the reward program they have set up for on time payments.
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? I will once again list the inquiries in need of investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Subject : Formal Complaint Regarding Fraudulent Loan Dear Sir, XXXX I am writing to formally submit a complaint about a fraudulent loan obtained in my name by XXXX XXXX XXXX through Audi Financial Services. Despite numerous attempts over several months to resolve this matter with the dealership and Audi Financial Services, the issue remains unresolved. 

Summary of Events Purchase and Financing : On XX/XX/year>, I purchased a 2024 XXXX XXXX and financed it through my bank, XXXX XXXX XXXX. This financing agreement was confirmed at the time of purchase. 

Fraudulent Actions : On XX/XX/year>, XXXX XXXX XXXX canceled the financing with XXXX XXXX XXXX without my knowledge or consent. 
The dealership submitted a fraudulent credit application to Audi Financial Services in my name, falsified my signature on the loan agreement, and altered the vehicle title to replace the original creditor with Audi Financial Services. 
XXXX and Attempts to Resolve : Upon discovering the fraud, I immediately contacted the dealership and Audi Financial Services to report these actions. Despite my efforts, the fraudulent loan remains active, and the unauthorized lien on the vehicle title persists. 

Formal Complaint I request that Audi Financial Services take immediate action to : Cancel the fraudulent loan issued in my name. 
Remove the unauthorized lien from the vehicle title. 
Conduct a formal investigation into the actions of XXXX XXXX XXXX and provide a report. 
Legal Violations The actions by XXXX XXXX XXXX and the inaction of Audi Financial Services violate : Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. 
Florida Statute 319.33 ( Title Fraud ) Florida Consumer Collection Practices Act ( FCCPA ) - 559.55 et seq. 
Next Steps If this issue is not resolved within 14 days, I will escalate my complaint to : The Florida Department of Highway Safety and Motor Vehicles ( FLHSMV ). 
The Consumer Financial Protection Bureau ( CFPB ). 
The Federal Trade Commission ( FTC ) for further investigation and action. 
Attached to this email are supporting documents, including the original financing agreement, evidence of the fraudulent loan, and proof of the unauthorized title modification. 

I urge you to take immediate corrective action and resolve this matter without further delay. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX
Product: Student loan

Looking closely at this promissory note documents it's XXXX pages. There XXXX pages in this promissory note that makes it fraudulent, forged, and difficult to see something words or pages. This is not original documents. These XXXX pages below makes the entire documents invalid. 
Page XXXX errors : Make a note that the terms and agreement are all blurry and it is difficult to see the borrowers rights and etc. The signature has white out near XXXX There are XXXX illegal dates and initialization of XXXX is not mines. I initialize my name as XXXX. 
Page XXXX errors : ( XXXX ) XXXX Information is not checked. Area Code/ Fax number is incorrect. Certification Date is blank. ( XXXX ) Institution and Address is left blank. 
( XXXX ) Borrower Information full name and telephone number is incorrect. 
Singnature of Authroized XXXX signature is blank. 
Name and the Authorized XXXX in print is blank. 
Holder/Servicer is blank. 
XXXX XXXX is blank. 
Date is blank. 

Page 9 errors : ( 1 ) Holder/Servicer Information is not checked. Street section is incomplete. City, State, Zip Code is typed in out under the lines. Area Code/Telephone is typed in out under the line. Area Code/Fax # is typed in out under the line. ( 2 ) Institution and Address Area Code/Fax is blank.

( 3 ) Borrower Information Area Code/Telephone is the same as page 8.

( 4 ) Certification Date is typed in under the line. 
Signature of Authorized XXXX is electronically signed which is invalid. 
Name and Title of Authorized XXXX in print is typed small font which invalid. 
Holder Servicer name is typed in small font. This is invalid. 
Date XX/XX/2013 is typed in small font. This is invalid.
Product: Debt collection

I originally called the number XXXX - Acct # XXXX, spoke to an inidividual briefly and then was placed on hold for the next 40 minutes in which I hung up. I called back, lady said it was a chain of which I needed to go through, I did swear, but after 40 minutes holding and wanting answers, I was supposed to hold again. I have not heard from these people other than this phone call and message left, there has been no written correspondence, only that they were serving me at my work or home tomorrow for a judgement. First notificatoin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been communicating with Transunion for months I send them every single thing they ask for every time! Yet and still they come back with lie after lie! This is illegal, they will not remove the accounts on my report that are reporting as re-aged debt! This is seriously illegal by FCRA standards! Transunion refuses to work with me! It is excuse after excuse and theyre the only reporting agency doing this to me! I am completely fed up and will also be submitting a complaint to my attorney generals office! Please help me in getting through to these people, theyre doing everything they can to not assist me in disputing erroneous information on my credit report! I am livid and I am tired of going through the same things over and over again. I will be contacting the XXXX, the FTC, and my attorney generals office for the negligence from Transunion I am fed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

XXXX XXXX Bank Account Account XXXX xxxxxxxxxxxx XXXX is not public info and should not be reported to Equifax. The only true credit reporting agency is the CFPB and they do NOT furnish consumer reports. Equifax is an independent company and has no written consent from me to report my non public information.
Product: Credit card

I am complaining about the deferred interest that 's been added to my care credit account. My fist charges was in XXXX XXXX amounting to {$2500.00} for dental procedure and promotional end XX/XX/XXXX. I have another charges for cosmetic procedure XX/XX/XXXX. I have been paying {$100.00} from XXXX XXXX every month, then in XX/XX/XXXX paid {$270.00}, XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00}, total of {$2600.00} by the end of XXXX XXXX which covers the {$2500.00}. I talked to the their customer service because they were adding the deferred interest of {$1000.00} for not paying the balance. I told them that I was expecting that all the payments I made will apply to the first charges first, the bill did not specify the amount that will apply to the first charges and the second charges. I spoke to them in XXXX XXXX, XXXX if they can waive the deferred interest because of the misunderstanding and they said if I will make a payment of {$1800.00} and did not tell me when the latest I can pay that amount. I tried to borrow money from relatives and deposit the check but did not clear until XXXX XXXX, XXXX. I called care credit customer service again last week XXXX XXXX, XXXX so I can make payment but they said they can not waive the deferred interest anymore because it past 30 days grace period which they said is XXXX XXXX, XXXX. They did not tell me that when they are collecting {$1800.00} from me in XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I OPENED AN ACCOUNT WITH DISCOVER CREDIT CARD AROUND XX/XX/2020. I REQUESTED A BALANCE TRANSFER OF {$8700.00} TO MY CHECKING ACCOUNT AT XXXX. DUE TO THEIR TYPO ERROR, THEY TRANSFERRED THE BALANCE TO ANOTHER ACCOUNT. I CALLED THEM TWICE ON XX/XX/XXXX AND XXXX TO RESOLVED THIS ISSUE AND THEY HASN'T PUT THE DISPUTE UP TODAY.
Product: Credit card or prepaid card

American Express had a promotion for XXXX credit card with XXXX points with first {$3000.00} spending within 3 months, then additional XXXX points with {$2000.00} spending within next 3 months. I have completed spending {$3000.00} around XX/XX/XXXX, and I have never received the points. I tried to communicate with American Express multiple times, but all they say is it usually takes 6-8 weeks or they need more time to investigation. This is after 14 weeks after I have given them time to investigation. I have not heard back nor received the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act I.C. SYSTEM, INC Account # XXXX, has violated my rights. 

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
Product: Checking or savings account

They closed my account with all my money in it and they act like they cant give me my money it was like XXXX
Product: Credit reporting or other personal consumer reports

I am asking that all listed accounts and inquiries be noted as not mine and listed in error on my credit reports. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX {$990.00} XX/XX/XXXX Collections : XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX 
Please delete these accounts from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

around XX/XX/2022, i login my XXXX XXXX account to ensure that XXXX payment was received and i notice that XX/XX/XXXX XXXX did not apply the payment but they accepted the payment so i called and ask why is the payment my payment was in suspense and ask for them to do their job and post the payment to my account. after talking to the rep for about 40 min the rep but my request in and they the remove the payment from suspense status and applied it to XXXX payment. now they want to report that i was late but i wasnt late. its XXXX percent their fault for not applying the payment. i as the rep to ensure that it will not report on my credit and she ensure me that it wasnt.
Product: Credit reporting or other personal consumer reports

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant XXXX to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Product: Debt collection

In XX/XX/XXXX I had a XXXX XXXX taken at XXXX XXXX in XXXX, PA. I have been a patient there since XXXX. Each time I have XXXX XXXX XXXX they require a copy of my XXXX XXXX XXXX XXXX cards. I gave them on this visit as well. But because the prescription was written by my XXXX in SC, XXXX submitted the bill to XXXX XXXX XXXX SC. I have called them, written my correct insurance information on the back of the 2nd statement they sent & written them a letter. Despite all these attempts to resolve the bill, they have now turned my account over to collection.
Product: Credit reporting or other personal consumer reports

This account with XXXX  has been ongoing since 2019, appearing in my credit report, I have provided the police reports, affidavits, ftc reports, this account is not mine, my identity was stolen I provided proof of that, its been XXXX yrs and this account is showing in all three bureaus
Product: Vehicle loan or lease

I have currently been impacted by Hurricane Helena. I am currently out of an home due to the damage that this hurricane caused. I contacted Credit Acceptance to ask them to provide finanical hardship relief for on my credit report as my family and I have to figure out our relocation status. While the impact is still going where we are currently staying home to home. Credit acceptance has not sent any information back about how they can help me. Furthermore, my credit report score has been impacted each month for reporting. This report with no relief is impacting my ability to find a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Equifax that I am a victim of identity theft. The fraudulent items are still reporting on my Equifax report
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Last XX/XX/XXXX, I decided to write a letter to this company to request debt validation with regards to account XXXX. To date, I have not received any response from them. This is a total violation of FDCPA. The item still is being reported in my file which I believe is a violation of FCRA. I am doing my part as a consumer, exercising my rights, but this company just violated FCRA and FDCPA. Attached to this complaint is a copy of the letter I sent this company last XX/XX/2017.
Product: Credit reporting or other personal consumer reports

My Hard Inquiries are not correct. I have never requested credit from XXXX XXXX XXXX XXXX ( after my account was already opened ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Request to Reverse Account Closure and Reopen Account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account DEPT OF ED/XXXX XXXX XXXX XXXX violated my rights. 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 this account without my written instructions. I have not given XXXX XXXX XXXX  TRANSUNION permission to publish this information on my credit report. I am in good standing with XXXX therefore publishing my student loan information in my report is unnecessary and illegal. This has caused a negative impact on my score which has affected me with personal business I am conducting on daily basis. The removal of this information would be greatly appreciated. I am not denying my loan and will continue to be on good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to see my equifax credit score or report. I've been trying for almost a year now
Product: Vehicle loan or lease

LETTER TO COLLECTION COMPANY DESCRIBING SITUATION : Dear XXXX XXXX XXXX , XXXX : This is to serve as formal dispute of charges on Original Account # XXXX with BMW Financial Services NA LLC and your Account # XXXX regarding an Automotive Deficiency in the amount of {$14000.00}. This account is invalid, and this is a formal demand that said account be voided and closed with report of illegitimate debt to all credit bureaus effective immediately. BMW Financial Services NA LLC ( henceforth BMW Financial ) negligently handled said account and caused XXXX XXXX XXXX XXXX hardship during the attempted sale of her lease as well as refused to cooperate with XXXX XXXX in her attempts to satisfy the debt therein. XXXX XXXX attempted on multiple occasions to sell the lease on said account through various costly means from her own funds. XXXX XXXX had on numerous occasions contacted BMW Financial to obtain assistance in sending vital documents to the purchaser of said lease account, three separate purchasers, and encountered costly delays as well as poor customer service on part of BMW Financial. This negligent handling of the transactional process cost XXXX XXXX the sale of said lease account on each occasion due to the purchasers not trusting the process. XXXX XXXX was completely cooperative with BMW Financial through consistent communication and follow up. XXXX XXXX, upon seeing that BMW Financial would not assist her in any professional manner regardless of how many attempts she would make to sell said lease account to satisfy her debt with BMW Financial, felt bullied and trapped by BMW Financial ; and therefore, XXXX XXXX turned the vehicle attached to said lease account in at a local BMW dealer as advised by BMW Financial. BMW Financial was only cooperative with XXXX XXXX at that time when they advised her how to turn in said vehicle. This process on the part of BMW Financial led XXXX XXXX to believe they wanted to trap her into doing same. XXXX XXXX cleaned and detailed said vehicle at her own cost and transacted the return with courtesy and professionalism, which was completely opposite of anything she had encountered with BMW Financial. The debt being discussed herein would have easily been satisfied had BMW Financial cooperated with XXXX XXXX on her numerous attempts to satisfy said debt with BMW Financial. BMW Financial should be ashamed of the way BMW Financial representatives negligently handled XXXX XXXX account, continued to harass her through attempts to collect on this illegitimate debt, and smeared her reputation with said potential purchasers and other known associates of XXXX XXXX causing her punitive stress and damages. XXXX XXXX will be forced to take further action with the XXXX XXXX XXXX, social media outlets, news media outlets, as well as legal action if BMW Financial does not void and close any and all attempts to collect on said account as discussed above. 

Signed,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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
Product: Vehicle loan or lease

I voluntarily returned my vehicle back to XXXX XXXX XXXX ... the reason for me returning my vehicle was because the company had approve me for a extension for 2 months which was XX/XX/XXXX until XX/XX/XXXX and was to pay back loan on XX/XX/XXXX however the extension got denied and they call me back to let me know that days later so then I ask them what will happen because now I dont have any money and that was due to in and out of the hospital so now they asked me to pay more which was {$490.00} for 3 months to keep the car I felt as if I was lead on ... I was thinking they was trying to help me but they ended up hurting me ...
Product: Vehicle loan or lease

I have a problem with the auto and loan company I paid taxes title and registration fee but the the dealer never paid state of Texas or did paper work to transfer title and get license plates for the vehicle they filed for bankruptcy and I was stuck with a car loan with unfinished paperwork couldnt use the car because of no plates for months went with no answer just informed loan company that payments will be put on hold until we resolve the matter almost a year later I finally help them get a bonded title and shortly after they repossessed the car saying I owe them almost a year of payments and late fees
Product: Credit reporting or other personal consumer reports

i am a victim of id theft. i have no knowledge of this account