23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In mid XX/XX/XXXX, I was contacted by this company about an outstanding balance from XXXX. This company stated my name, but gave an address that I havent previously lived at before. I filed a complaint with the BBB, explaining that I had not made the purchase, and asked for evidence. The company stopped contacting me, until today, XX/XX/XXXX. I once again stated that I had not made the purchase. The agent stated the same address that I had never lived at.
Product: Checking or savings account

On XX/XX/XXXX, at XXXX am my account was compromised because I was robbed at gunpoint and forced to give hackers my phone because it was either my life or the phone, and upon me doing so they emptied my accounts and transferred money to my XXXX as if it was me but it was not! Because my phone and everything I owned was in their possession. They made an instant transfer to my account and then they sent my money via XXXX to another hacker and since then I have not received my money back all while giving all evidence. Between chime and XXXX they are playing a terrible role in trying to keep my money. My face and head is still swollen because I had been in hospital for days trying to recover.
Product: Credit card

Bank of America charged an annual fee of {$79.00}. Although they were charging this fee for the first time ( they do n't charge it the first year to get people to sign up ) they would n't refund the fee even if the account was cancelled. They claim to have sent a notification email, however they made the subject of that email " Your Credit Card Legal Notices Are Now Available '' no mention of a fee. In fact, to see the details about the fee you 'd have to click on a link inside that email and be redirected to their website. Although the fee is for the coming year, 95 % of which is still unused, they refused to waive the fee, or even prorate it saying that once it 's charged they wo n't refund it. This is clearly predatory behavior aimed at bilking unsuspecting customers the vast majority of whom would n't even open an email with the subject line above.
Product: Payday loan, title loan, personal loan, or advance loan

Date of Incident : XX/XX/XXXX Company Involved : OneMain Financial XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  Account Number : XXXX In XX/XX/XXXX, I entered into a loan agreement with OneMain Financial for {$6200.00} with a contract interest rate of 35.54 % and an XXXX of 35.99 %. At the time of signing, I was confused about the terms of the loan, and I believe OneMain failed to provide clear and conspicuous disclosures as required by the Truth in Lending Act ( TILA ). 

Specifically, the difference between the contract rate and the APRdue to additional feeswas not adequately explained, nor were the total finance charges and repayment amounts presented in a way I could understand before agreeing. I felt rushed into signing without a full grasp of the loans true cost, which has since ballooned due to the high APR. 

I contacted this office in XX/XX/XXXX to get a better understanding of the loan but was not met with adequate information or the ability to have documents sent to me. Over the last XXXX  months I was told that I had to speak with a customer service representative instead of their office which didn't make sense. 

Back in XXXX of XXXX I requested to delay payment in the loan and was met with having to have documents sent to me to be signed via docusign in which I don't have any copies of. These documents haven't been sent to me. 

Upon reviewing my loan agreement recently, I found that the TILA disclosure was either missing key details or buried in fine print, making it difficult to comprehend the total cost of credit. This lack of transparency left me unaware that I would end up paying an additional {$6700.00} over the term. I believe this violates XXXX requirement for clear, upfront disclosure of credit terms. 

Additionally, OneMain Financial has a documented history of misleading borrowers. In XX/XX/XXXX, the CFPB ordered OneMain to pay {$20.00} XXXX for deceptive practices, including failing to properly disclose terms and pushing unnecessary add-ons. As of XX/XX/XXXX, I'm unclear of the exact amount, however, it's well over {$6300.00} that I've paid, yet I continue to face demands for payment on what I believe is an unfairly presented debt. 

I request that the CFPB investigate OneMain Financial for violating the Truth in Lending Act by failing to provide clear and conspicuous disclosures in my XX/XX/XXXX loan agreement. I seek cancellation of the remaining loan balance due to these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I am submitting this complaint due to deceptive practices and potential fraud related to the purchase and financing of my vehicle. Here are the key facts : Purchase and Financing Discrepancies : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The dealership provided me with a XXXX XXXX containing all relevant documents, including a XXXX form and a Retail Installment Sale Contract ( XXXX ). 
The XXXX form from the dealership did not list America First Credit Union as a lienholder, but the bank 's version, dated XX/XX/XXXX, did. 

Unauthorized Assignment and Misrepresentation : The dealership submitted a loan application to America First Credit Union using outdated information, which I filled out without knowing it was for this bank. 
I discovered that the dealership sold the vehicle contract to America First Credit Union without my permission. 
The discrepancies between the documents provided by the dealership and those from the bank indicate potential misrepresentation and fraudulent practices. 

Emotional and Financial Harm : The deceptive practices have caused significant financial harm, unexpected financial obligations, and potential damage to my credit score. 
I have suffered substantial emotional distress and XXXX exacerbating my existing XXXX. 
The situation has impacted my ability to support my dependents and navigate the current economic climate as a single parent with a XXXX elderly mother and long XXXX 

Current Actions Taken : I have submitted complaints to the dealership, bank, XXXX XXXX XXXX, Federal Trade Commission, and the XXXX XXXXXXXX XXXX XXXX XXXX. 
I am now submitting this complaint to the CFPB to seek further resolution.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX  Balance : {$1800.00}.
Product: Debt collection

There is an an address on 2 of my credit reporting company reports *XXXX and XXXX* with an address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX, which I've never heard or nor have i ever lived there. I'm also dealing with a company called I.C. Systems, a debt collection agency working on behalf of XXXX XXXX- They say that I opened an account in XX/XX/18 with them but that's impossible, since I've lived with my parents over the last 8 years at XXXX XXXX, XXXX, NY XXXX and XXXX XXXX  XXXX, XXXX, NY XXXX and there was never any XXXX XXXX service and they weren't even my personal homes- It seems as though either they have a mistaken identity problem of someone that has resided or used that address in XXXX XXXX, NY or they have made a serious mistake and falsely have me as opening a XXXX XXXX  account -The debt collection company is now called I.C. Systems and they have the wrong person and they have ruined my credit score and they would need to show proof that their was an account opened on the day they set on both  XXXX  and XXXX that I am liable for an account that I never opened and I have yet to see any proof from them indicating such- I would like to see paperwork/documents of me opening an account with XXXX XXXX on the date they have given of XX/XX/18, that I never even opened! Either they have made a terrible mistake and need to correct it immediately by taking my name and information off that account or someone else has used my personal info and their is a data breach or mistaken/taken identity here and this could be fraud! I ask, you that you please look into this further! thank you-XXXX XXXX
Product: Debt collection

This account has nothing to do with me. I have not opened it and want it off credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to make report that someone has opened Credit cards and utilities bills in my name without my permission. I was in the process of buying a home when my credit report came back there was accounts that I didn't recognize a XXXX XXXX #  XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX . 
I never had any documentations of contracts for services with these companies.
Product: Checking or savings account

Beginning in XXXX of this year, I contacted the Wells Fargo trust department in XXXX XXXX, NC to speak with my attorney regarding estate planning issues. I have left several calls as well as my attorney, but no one has returned the calls to discuss the matter. My last call to them was this Tuesday, XX/XX/XXXX. The person I asked to speak with was out of the office. His backup did call me back and assured me that someone would return the call no later than EOB Wednesday, XX/XX/XXXX. Again, neither I nor my attorney has received a call back. 

This is not a one-time incident. In the past I have had a very difficult time trying to speak with individuals at the trust department, so this is representative of their lack of professionalism
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> CFPB, XXXX XXXX XXXX XXXX XXXX for XXXX XXXX on Experian, XXXX Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their inaccurate reporting of an auto loan account that I previously held with them. 

Throughout my time with XXXX XXXX XXXX, I consistently made my payments on time. However, upon reviewing my credit report from XXXXXXXX XXXX XXXX I was alarmed to find that this account is inaccurately reported as a " charge-off. '' Furthermore, my Experian app indicates that the account status is listed as " Legally Paid Less than Full Balance CLS. '' It is important to note that a charge-off typically occurs between 120 and 180 days after an account becomes delinquent, which is not applicable to my situation. I believe this misreporting is in violation of the Fair Credit Reporting Act ( FCRA ), and it has negatively impacted my credit standing. 

I will be uploading all supporting documents related to this claim, including payment records and credit reports, to substantiate my position. 

I request that the CFPB investigate this matter and assist me in resolving this issue with XXXX XXXX XXXX. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In Accordance with the Fair Credit Report Act, MILITARY STAR, has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX have 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

Theres 2 separate instances.

The first, I submitted a dispute because I got a table and it broke minutes after the drivers left. I provided as much documentation as I could. They didnt even call the merchant. My dispute ended up being denied.

The next one. I got some hair. It was defective and ended up a tangled mess 2 days later. A professional hair dresser advised me to get a refund. The company wouldnt do it, so I went to my bank. The bank denied this as well, even though I provided ample documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion File Number : XXXX MY NAME IS XXXX XXXX Today date is XXXX XXXX & I'm The Only One Writing This complaint!!!! This Is the second time i made file a complaint with the CFPB ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX  Breach of XXXX. Also Receive a email from TransUnion today XXXX XXXX saying that Compromised Email Address Alert and that Your Email Address was exposed on the Dark Web, I'm very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling TransUnion i have a list of account that was open and use without my consent MY TransUnion File Number : XXXX i also have A POLICE REPORT FROM XXXX XXXX POLICE DEPARTMENT CAD Incident Number XXXX and My FTC report # XXXX, here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX  {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXXXXXX XXXX {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports
Product: Debt collection

We are filing this complaint against XXXX, who violated their RMBS agreement with the federal government when they bought a HELOC debt from XXXX. 

They were obligated to negotiate a settlement fairly, but instead, instigated foreclosure in the midst of us applying for a negotiation, they committed modification fraud with false amounts, outrageously false property values, when we complained about their servicer Rushmore Loan Management to CFPF, Rushmore lied in their response to CFPB and submitted false documents to the CFPS, and then we were suddenly advised that this false debt amount they attribute to us, had been sold to XXXX XXXX XXXX, and then we received another notice that it was sold to a XXXX XXXX in Arizona. Essentially XXXX never met their RMBS obligation to offer fair relief, which they were obligated to do. Instead, they threatened us and has no intention of fair settlement, and have since cost us much more in legal fees and more. 

Regardless, XXXX only notified us a month after they sold the debt, that it had been sold, and we received two conflicting letters about the new owner of the debt, so we have no idea who actually owns it, but one of them has attorneys sending us threatening forceclosure documents. We also received conflicting contact addresses. 

XXXX aka XXXX XXXX, was obligated under the RMBS agreement to offer relief for debts they purchased from XXXX, instead committed modification fraud, false attempts at modification, lied to us, threatened us inappropriately, falsely sent an appraiser, who told us she had been hired to take photos to sell the house, not appraise. etc.. started foreclosure proceedings while they were pretending to negotiate a settlement, falsely appraised property ignoring legal issues attached, and boundary disputes, and threatened to sell our home, falsely reported amounts owed to credit bureau, and finally sold the " debt '' wildly false amount to different entities, who are now both harassing us, and threatening foreclosure, and XXXX never notified us that they had sold us, until a month after the alleged sales of the same debt to two different trusts? 

XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



XXXX. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



XXXX. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX