23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

for about a year now I have not been able to pay my bill online where I should be able to .. there is a problem and I tell them they need to fix this .. this is ridiculous that i can not pay my bill as i want to and should be able to..
Product: Debt collection

Accounts : XXXX XXXX XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Credit reporting or other personal consumer reports

This account is fraudulent. The account was previously deleted with all three credit bureaus XXXX, XXXX  and XXXX. However, experian is the only credit bureau that has reopened the account and it needs to be removed immediately.
Product: Vehicle loan or lease

I received a loan for a used XXXX in XXXX with Santander for around $ XXXX. It was a joint account with my XXXX that co-signed. My XXXX and I were splitting the payments. I had the car for XXXX of years before I decided I would like to trade it in for a different vehicle to work on lowering my monthly payments. When I went to trade the car in for a new car the dealer ran the report and found out the car had a XXXX XXXX and was worth {$0.00} on a trade in. When I bought the car, this was not disclosed to me nor on the sales receipt or paperwork. I was unaware of the XXXX XXXX at time of purchase, again it was not disclosed in anyway. After I found this out I went back to the original dealer that sold it to me, but they were out of business. Makes sense as I believed I was scammed and wanted retribution for the bogus sale. Since that was a dead end, I called and talked to the loan company Santander to see what could be done about them giving me a $ XXXX loan on a car with a bad title, but didnt get anywhere with that and of course they said there was nothing than can do for me. after that, I contacted multiple XXXX, but it didnt get anywhere since the dealership was no longer in business and could not be found. During all of this my XXXX became XXXX and XXXX XXXX. I was on my own with the car and payments. Up to this point we have been paying on a car for XXXX plus years that in retrospect is n't worth a penny. Since the car was not worth a dime. I could not trade it in, failed attempts to sell it because of the title, and not being able to afford it without my XXXX around I had no choice but to let Santander come and take it in XXXX. I should have surrendered it, but I didnt, I do n't know if that would have made a difference. Surrendering the car was unfortunate as I had made enough payments to cover the cost of the car and then some. All that was left to pay was the interest. I was a victim of a scam or fraud. Paying over $ XXXX for a car that was worthless with a bad title. I have the origianl bill of sale that has no mention of a XXXX XXXX It is not currently in my possession but can be submitted at a later time if needed. Santander should never have approved a loan for over $ XXXX on a car that is not worth anything with a bad title and not informing me. I would have never went through with this purchase, I am a victim of a scam and bad business.
Product: Credit reporting or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$76.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$390.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have three accounts appearing on my credit reports. 

XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX IN {$2400.00} XXXX XXXX XXXX XXXX {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Mortgage

I have been trying for a several weeks to access my Loan Care account on the online portal. After several attempts at resetting my password I could not access my account to view or make any payments. I have called several times with hold times extending past 3 hours. On one occasion, XX/XX/XXXX, I was able to leave my number for a call back which was 9 hours later. The service representative was not able to help me with my problem and suggested I email customer support. I email customer support on XX/XX/XXXX. It has been 10 days with no response so I tried to call again with wait times over 3 hours. I was not able to continue to hold. I need to pay my mortgage before I am assessed a late fee. I am entitled to access my account as well.
Product: Money transfer, virtual currency, or money service

Trying to use XXXX XXXX to borrow money but the bank is n't allowing it
Product: Credit reporting or other personal consumer reports

I contacted Experian and I requested an immediate and comprehensive investigation into several instances of reporting incorrect information on behalf of XXXX XXXX on my credit report. These many errors in reporting of this information has destroyed my ability to obtain housing and small business loans. I have requested verification and info on these two accounts several times Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Listed on Report : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Listed on Report : XX/XX/XXXXXXXX  This account contains erroneous details regarding the balance, payment status, and payment dates, which could lead to misrepresentation of my creditworthiness. I request that if you can not conclusively verify each reported detail with certified documentation, you remove the account promptly. 

Also, as allowed under FCRA 1681g, I request a copy of the signed credit agreement that I authorized with this creditor. This documentation is essential to confirm the accounts authenticity. I asked them to provide a copy of my signature that was used to agree to open this account. 

None of these items were provided, however, they have continued reporting these accounts and causing me more harm.
Product: Mortgage

I XXXX XXXX Have a loan with Bank of America. I sent my modification information, first in XX/XX/XXXX, then again in XX/XX/2017. As of XX/XX/2017 I have yet to be assigned a case manager to my case. I am auto to loose my home and no-one cares. They have given me the run around for three months and everyone I call, they tell me they will escalate the issue. Please help!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> XXXX I filed a complaint about your company EXPERIAN for not properly investigating previously disputed errors on my credit report. This is a violation for the Fair Credit Reporting Act that requires your company to take the necessary steps to ensure that the information that you're compiling is accurate, and to investigate my complaints. XXXXXXXX XXXX XXXX  the CFPB sued your company for " Sham investigations '' rather than properly reviewing the disputes as required by federal law. It's XX/XX/year>, and I have NOT gotten a response back yet. I will reattach the previous dispute letter with the accounts that you did NOT properly investigate. The information that your company is reporting is inaccurate, and has caused severe damage to my character, livelihood and general mode of living. These accounts should be removed immediately!
Product: Debt collection

According to Allied Collection Services they are wanting myself and my wife to pay {$3800.00}. This company is trying to collect money for my former apartment community. I was give a no cause to vacate notice and I paid my rent to this company. Myself and my wife have been bullied and traumatized by this apartment community. They are also very XXXX against myself and my wife. Please have them remove these false charges off our credit. Our day of departure from this company 's apartment was XX/XX/2021 we had to be out by XXXX. We submitted our last payment for the month of XXXX XXXX. This company fraudulently putting eviction on my name and i have the documets that says otherwise. Also getting my {$300.00} deposit back.
Product: Credit reporting or other personal consumer reports

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE FRAUDULENT UNAUTHORIZED OF THE REPORTING INFORMATION OF INQUIRIES ON MY CONSUMER REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account # XXXX Account # XXXX Account # XXXX Inquiry, XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX Has violated my rights and law 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 15 U.S.C 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 written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting
Product: Debt collection

Reveiwed my credit report and identified a collections from a debt collector for a medical debt which I did not recognize. Investigated my medical claims based on date of service information noted and found that this collection is not mine. Debt collector has reporting derogatory information since XXXX 2018 on an accout that is not mine.
Product: Student loan

Hello and thank you for your time!! I am a XXXX year old XXXX currently approx. {$140000.00} in student loan debt with a monthly payment of {$1500.00}. I have made multiple attempts over the years to try and lower my monthly payments and have also tried to refinance and consolidate my loans, and have been unsuccessful in every attempt. My loans are private and thru Navient and XXXX XXXX. Do you folks have any advice or help to offer? Thank you so much!
Product: Credit reporting or other personal consumer reports

I reported to the FTC, providing them with my file number XXXX, regarding a fraudulent collection on my account attributed to XXXX which appears as " Transformed Credit Inc '' on my Experian report. This closed account, which was never mine, has been persistently listed despite my requests for its removal. It's worth noting that this account was the one sent to XXXX 

Additionally, I've flagged several unauthorized inquiries on my credit file that need to be deleted. These include entries from XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX Credit on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX 's XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX. None of these inquiries were solicited or authorized by me.
Product: Mortgage

GREENTREE SERVICING CONTINUES TO CALL REGARDING A PAYMENT THAT WAS MAILED XXXX WEEKS AGO. THEY ARE BEING RUDE AND THREATENING. I HAVE ADVISED OF CHECK NUMBER AND AMOUNT PAID. THEY CALL BACK XXXX MIN LATER AGAIN. MY LOAN IS CURRENT, NOT IN DEFAULT! I ADVISED TO STOP CALLING AND TO CONTACT ME IN WRITING, THEY CONTINUE TO CALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act this creditor 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 USCS 1666b a creditor may not treat a payment on a credit account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I recent went looking to purchase a vehicle and told the dealerships that I would be getting financed through my credit union so I needed a bill of sale for that purpose. They asked for my information and proceeded to tell me that the have banks that would compete with my credit union for the financing. I declined next thing I know I check my credit report and there were XXXX inquiries on my report. This is fraud I did not tell them to run my credit and I wasn't even at the dealership wen these inquiries were taken place.I went XXXX XXXX dealerships and they all did the same thing. this has to be illegal. They should not be able to do this. I called the dealerships and complained and was told that they were trying to get me a better interest rate. I told them I was no longer interested in the vehicle and I gave them all bad reviews online and also filed a report and had to lock my credit report.
Product: Money transfer, virtual currency, or money service

I sent {$500.00} via XXXX on XX/XX/2023 through Chase bank to a person, that Im now finding out, is impersonating a puppy breeder. They are harassing me and will not send back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several accounts on my Equifax credit report that does not belong to me XXXX XXXX XXXX... XXXX XXXX XXXX XXXX Bank ... XXXX XXXX XXXX XXXX... XXXX XXXX Bank. XX/XX/XXXX... XXXX XXXX Bank XXXX XXXX ... XXXX XXXX Bank XXXX XXXX ... XXXX Dept of Ed / XXXX ... XXXXXX/XX/XXXX... XXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XX/XX/XXXX... Unauthorized inquiry... XX/XX/XXXX XXXX XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have had a personal loan with Avant, LLC since XX/XX/XXXX. In the past, Avant was responsive to questions, requests, etc. In order to gain additional control over payment dates, I asked to be unenrolled from automatic payments, since this could not be done within Avant 's web interface. On XX/XX/XXXX, I notified Avant, LLC that I was revoking ACH authorization effective immediately and received a automatically generated message notifying me that I had opted out of automatic payments. On XX/XX/XXXX, however, Avant, LLC automatically processed my loan payment. I did not schedule this payment. In other words, the revocation of ACH authorization was not respected. I notified Avant of this on XX/XX/XXXX and did not receive a response of any sort until XX/XX/XXXX, which was to notify me that my inquiry had been escalated to the appropriate department. Later on XX/XX/XXXX, I received a message stating that Avant was not able to " ... substantiate your claim that you did not authorize the payment processed on XX/XX/XXXX. '' I continued to pursue the matter since I know with complete certainty that I did not schedule or authorize this payment. Eventually, Avant did  offer to reimburse me for this payment which would, at this point, make my account late ( additional fees, etc. ). On XX/XX/XXXX, I received a message thanking me for my feedback and assuring me that they " treat all customer feedback as a learning experience. '' While possibly unintentional, Avant violated 12 CFR Part 1005 ( Regulation E ). As a consumer, I have the right to revoke ACH authorization and for that revocation to be respected. Avant, LLC did not do this and did not provide reasonable remediation within an acceptable time frame. Thank you in advance for your assistance with this matter.
Product: Mortgage

Ditech has failed to properly apply HAMP loan modifcation incentives.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

I disputed this Xfinity account last year directly to all three major bureaus and it was removed because it couldn't be validated. It later appeared on my credit report but was listed by Southwest Credit, a different collection agency from the first. I have mailed dispute five letters certified/return receipt but still have not gotten what I've requested which is the original written contract between myself and Southwest Credit or between myself and XXXX. They are supposed to remove the account from all three credit bureaus if they are unable to produce this information. I mailed the first 3 dispute letters on XX/XX/2021, XX/XX/2021 and XX/XX/2021 ; They sent back billing statements showing a balance of {$370.00} which does not validate that I opened the account. The fourth response they sent me stated my dispute was frivolous or unsubstantiated because " The dispute is substantially the same as a dispute previously received '' and " The dispute was reasonably determined to have been prepared by a credit repair organization ''. Neither of these reasons make sense. I sent the dispute letters myself but don't understand why they aren't complying even if a credit repair company sent the dispute letters. It looks like they are stalling to avoid following federal law, which requires them to produce the original signed contract or remove the negative account. I have yet to hear back after mailing my fifth dispute on XX/XX/2021 once again asking for the signed contract. They still have a couple weeks to reply the information requested.
Product: Credit reporting or other personal consumer reports

XXXX XXXX late payment, payment has never been late XXXX {$1300.00} XX/XX/XXXX not my account XXXX XX/XX/XXXX {$1900.00} not my account
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft in the pass which resulted in fraudulent accounts attached to my credit file have disputed with Experian several times but the company states the the compromised info matches I explained several times that identity theft case the information would match because its been compromised that was the reason to notify them and provide supporting documentation of this crime but my rights continue to be violated by Experian and the creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and misused and in doing so there's unknown and unauthorized accounts appearing on my credit file and I'm respectfully requesting that these accounts be blocked and/ or removed immediately.

The following accounts are, ( 1 ) XXXX XXXX XXXX  {$110.00} ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$120.00}, ( 4 ) XXXX XXXX   {$6000.00}, ( 5 ) XXXX XXXX {$760.00}, ( 6 ) XXXX XXXX XXXX XXXX XXXX