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

In accordance with the Fair Credit Reporting Act. The following accounts a-re violating my rights. 
- XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 602 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY INSTRUCTIONS.
Product: Debt collection

I filed a police report for identity theft on XX/XX/XXXX. Someone used my identity to rent an apartment and has a debt for {$15000.00} unpaid. I found that by viewing my credit report and found a collection there which didn't belong to me. So I called the collection company and they asked me to call the XXXX XXXX XXXX XXXX XXXX. I called them and get the information below. Then I sent them the affidavit for they requested and ask them the send me the leasing agreement of this debt. They did that and I found they don't even have my signature on it. I have attached the leasing agreement below as the supporting doc. 

Original debtor XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ) Debt collection company : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX, GA XXXX, XXXX ) XXXX XXXX XXXX  XXXX XXXX ( XXXX, account number : XXXX ) Lease contract starts : XX/XX/XXXX Eviction filed : XX/XX/XXXX
Product: Vehicle loan or lease

So Wells Fargo charged me and countless others for a charge they shouldnt have and settled on lawsuit to refund those affected. 

I first had the check moved to the wrong address but they sent me letters to my correct address. 

When I called about my refund on XX/XX/XXXX and spoke to mark I was told it would be reissued and it would take 4-5 weeks. 

On XX/XX/XXXX I called to check in it and spoke to XXXX and XXXX. They said it only been 4 weeks wait a little longer. It's all good. 

On XX/XX/XXXX I called because it reach 5 weeks. And was told XXXX never processed the refund and it would take another 4-5 weeks by XXXX. I asked for a supervisor and XXXX told me that because it was late in the week when I called in that I needed to wait just a little bit longer and If i didnt get anything by XX/XX/XXXX the following week to call and check on it. But she would have her supervisor call me. 

XX/XX/XXXX I call again and was told check was processed on XX/XX/XXXX. And it would take 4-5 weeks and no way to make it faster. I was clearly lied too and no one was willing to make it better and I couldnt get anyone higher on the phone.
Product: Payday loan, title loan, or personal loan

I had 17 loans with Affirm totaling {$5500.00}. On XX/XX/2022 I made payments in full on all 17 loans. My balance on all 17 loans is now {$0.00}. I am trying to close my account with Affirm so that I do not acquire more loans. Affirm is not allowing me to close account. Methods I have tried to close account ( 1 ) solution : calling Affirm customer service at XXXX outcome : Affirm says I need to wait 30 days to close account ( 2 ) solution : contacting Affirm at help XXXX XXXX per their website to close account. outcome : reply from Affirm that they are not monitoring this inbox. ( 3 ) solution : contacting Affirm via online form on their website to close account. outcome : no response.
Product: Credit reporting

I am submitting a complaint against Early Waring Services because I have been a victim of Identity theft and sent in the required documents that they requested Police report, ID and consumer Identification form. There is an inaccurate reporting showing from XXXX XXXX on my file with them In which I sent in a dispute to them along with the Identity Theft Remedy documents requested and they claim that XXXX XXXX claimed the account to be verified as reporting accurate. I called today and spoke to a supervisor ( XXXX ) who told me that XXXX XXXX did not respond as to why they believe the account to be accurately reporting so that gives them permission to remove the reporting from my file. Shortly after XXXX called to tell me that XXXX XXXX responded as to why they believe the account is reporting accurately and that the reporting was going to be reinserted in to my file. They said that I can rebuttal the reason as to why XXXX XXXX believes the reporting is accurate and I have to explain why I disagree. I have already stated why I disagree the moment I sent them a Valid Police Report Specifying that this account reporting is Fraudulent and Identity theft. They are completely violating my FCRA rights and ignoring that fact that this is an identity theft account that was opened fraudulently. Why should I have to rebuttal what is obvious in my initial dispute with them? This situation seems to be completely biased as this company was formed and XXXX XXXX has partnership and interest in the stock of this company.
Product: Consumer Loan

I purchased a car through XXXX XXXX XXXX XX/XX/2013. They offered me financing through Santander Consumer USA, Account # XXXX. Within 6 weeks of purchasing the car they were already calling me with that I was past due and needed to pay 2 months payments plus late charges, which I did. Santander continues to call me 2-3 times a day for payments and late charges and has now started contacting family members including my father who has passed away during this. In order to get out of this mess, I decided to find a way to find another lender to work with and payoff the loan to Santander. When I did the payoff amount is higher than the price I paid for the car. I have paid Santander over {$16000.00} dollars and they ( Santander ) state I owe them more for the car than I bought it for. Feeling extremely frustrated I asked Santander for an accounting of how all my payments have been applied throughout the term of the loan, and I have been asking for this now for over 8 months. I continue to get 2-3 calls per day, and family members do as well, and I have never received a statement and/or accounting showing me where and how my payments have been applied. I feel Santander Consumer USA is deceptive and has managed my account improperly with no idea of how the payments have been applied. Santander has been harassing and threatening me and my family members and has ruined my credit score by continuing to report me as late payments. Thank you for any assistance you can provide.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the late payments reported on my account with XXXX XXXX for the month of XXXX, XXXX, XXXX I have been a diligent and responsible customer with XXXX XXXX, and I am confident that these late payments are inaccurately reflecting on my credit report. 
On the mentioned dates, my payments were set for automatic deduction from my phone payment. As per the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C 1666B, the timing of payment is crucial in determining the accuracy of reported information. It is evident that the delay in processing these payments lies with XXXX XXXX rather than any negligence on my part. 
I kindly request that this account be investigate and this account matter thoroughly and remove these late payments from my credit report promptly. It is essential to uphold the accuracy and fairness of credit reporting as mandated by federal law. 

I appreciate your attention to this matter and look forward to a swift resolution. Please provide me with written confirmation once this dispute has been resolved. 

Thank you for your prompt assistance in rectifying this issue. 

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

I am XXXX XXXX, and I am submitting this request myself and there is no third party involved. Regardless of the multiple written requests, the DISCOVER FIN SVCS LLC still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-examine most especially the status information on this account. Otherwise, delete this collection account NOW.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SNN card.
Product: Credit card or prepaid card

My card was having a great deal of trouble with their site being down and I could not access my account. Clients were told to call the XXXX number but that was also down. For numerous days. As a result if this outage I could not tell if I had paid off my balance and accidentally overpaid. It was because of the outage and inability to access my account at all for days that I chose to lock and then close the account. I did so and when I finally got an agent I was told the account was closed and what my refunded balance would be. Weeks passed and I got no refund check. I finally called and was told that my refund had been approved on the XXXX of XXXX and the check was being cut. I wait more weeks and still no check. I called again today and was told that my refund check had just been approved on the XXXX of this month, almost verbatim of what I was told last month by a different agent. In the end, I said 3 to 4 months to get my money was unacceptable. I was then told that if I called a special number and got my bank to send proof that I had paid my account off, then they could expedite my refund. They already know this. They have told me that repeatedly. As for expediting my refund, its already been 2 months. If I were to not pay my credit card for 2 to 3 months, you can bet Id be paying some interest. Why is the credit card company able to withhold my money for months, earning interest on it, and have no penalties? All I want it my refund in a timely manner. At this point they are saying XXXX. That is not alright with me. That is literally months late and they told me my refund was approved XX/XX/22. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Capitol one account account was recognized as open I dont have a credit card at all told them I would pay the balance off if they showed as closed in a retaliation they sent in as a charge off dropped my credit score 40 points after I agreed to pay it as soon as it was shown as closed. Now I cant get a loan for my XXXX which is imperative to have to live. Capitol one gave someone a credit card in my name years ago and I took them to court guess they are getting me back for something they did to begin with. I told them I would be glad glad to pay the XXXX they said I owed them for a card I dont own just to save my credit. But they turned in as a charge off not fair I had already cut them a check waiting on the proof of a closed account. And when XXXX  posted results capitol one gave me a charge off. I need this resolved so I can get my XXXX I dont have insurance so I have to pay cash and now there is no way to get a loan with a charge off
Product: Credit card

I have been a victim of identity theft, where someone opened a bunch of credit cards/accounts under my name in XXXX without my knowledge or authorization, and spent almost {$70000.00} across different banks and retailers. The fraudsters started by changing my mailing address with USPS and I didn't become aware of the fraud until they opened a credit card with one of my actual banks. I haven't lived in the U.S. since XXXX, so don't check my U.S. credit report on a regular basis as I don't use my U.S. credit card. In XX/XX/XXXX, I checked my credit report and discovered that numerous credit accounts had been opened, with tens of thousands dollars posted as major derogatory. 

I had placed a freeze with all three major credit reporting agencies and disputed all the charges with them. I also contacted all the banks individually to report the fraudulent transactions in early XXXX. Within a month, all the banks ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) besides XXXX XXXXXXXX and Best Buy/CBNA ( Citi ) removed the fraudulent accounts from my credit reports. 

Best Buy/CBNA : I contacted them over the phone on XXXX XXXX, XXXX, about a fraudulent account with about {$4500.00} outstanding, requesting that the credit account be removed from my credit history as I never opened it. My case number with Citi/Best Buy is XXXX XXXX XXXX. XXXX months later, Citi, along with XXXX XXXX, are the only XXXX banks that have not removed the fraudulent accounts from my credit report and continue to insist that they are non-fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a crazy identity theft issue happen years back. The FTC gave me some great resources to fix nearly all my issues. The FTC and my local Police department helped me remove all fraudulent accounts except for one XXXX XXXX account. Equifax removed everything except for this account. I'm not sure why or if it was just a mistake. I understand they get tons of disputes daily and may have just over looked this account. 

I have again provided all the documentation I can provide. FTC identity theft report, police report, letter from XXXX member services that states this account should be removed. At this point, we're all out of ideas besides going to court but my attorney said to give the CFPB a try and see what happens before we go to court. Me and my family just want to solve this issue and get our life back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report last year around XX/XX/2018 and I discovered that there were fraudulent accounts listed within my credit report that I'm not responsible. Ive disputed student loans with ( US DEPARTMENT OF EDUCATION ), fraudulent credit cards, medical bills, and apartments. All of the student loans from XXXX and XXXX XXXX have been removed. Somehow out of 10 fraudulent student loans 3 of the student loans continue to be verified. Ive filed a complaint with the FTC and nothing has changed. Ive Never in my life attended anyone college to take out a student loan. My other issue is that once I dispute the other fraudulent accounts they come back in about 2 months. MY LIFE HAS BEEN COMPLETELY DESTROYED BY SOME CRIMINAL. Ive even went as far as getting a POLICE REPORT and that haven't helped any.
Product: Debt collection

I did have a XXXX XXXX XXXX  Account which I pretty much abandoned due to personal problems. However at the time my credit limit was only {$5000.00} and my balance was somewhere around {$3000.00}. I am disputing the amount of {$13000.00} that is showing on your account because that is not the amount of my debt. 

I mailed a letter around the end of XXXX. I tried to online chat about the same time and then I called them to file a dispute but I have not heard anything from them since. 

They bought this debt from XXXX and they placed the collections on my credit report but they are not trying to pursue the correct amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/year> Account Name : XXXX # XXXX - Date Opened XX/XX/year>
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : State Identification ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning XXXX  consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : The XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I

dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

A debt collector by the name of XXXX XXXX contacted my father more than once about a debt that was mine and not his. He talked to him in XXXX, XX/XX/XXXX, and XX/XX/XXXX. Mr XXXX violated FDCPA by repeatedly disclosing information to my parents about the debt, including the name of the creditor, account open dates and account balance without having authorization to speak to them. My mother also talked to Mr. XXXX on XX/XX/XXXX and he shared details about the debt with her as well. 

After receiving the contact information for him, I called on XX/XX/XXXX and XX/XX/XXXX. I first spoke with Mr. XXXX, on XX/XX/XXXX and requested a copy of the validation notice which he said was sent on XX/XX/XXXX and he refused to send a copy of the letter. He claimed it would be considered harassment to send the letter again. This makes no sense to me if Im requesting proof that this is not a scam. In an effort to verify this information, I called Synchrony Bank and spoke with XXXX at XXXX XXXX XXXX and she told me the account was closed on XX/XX/XXXX. I did not receive anything to provide details about what was happening but obviously this did not align with what Mr XXXX said earlier. 

He also implied that there is an attorney involved, and would not provide who the client that he was calling on behalf of, and demanded the total of {$4400.00} be paid by XX/XX/XXXX, and later offered a lower amount if I agreed to pay immediately. 
I told him I did not have that much and offered {$400.00} a month to pay on the account and he stated the client wouldnt accept the offer of payment and would not provide contact details of him or his client. He also mentioned that my wages could be garnished for the amount of the debt and legal fees, even though I still haven't received any information about the debt at this time. 
He most recently left a message on XX/XX/XXXX saying they are going to begin employment verification. I saved this message and can forward it if necessary. He is saying this will be done even though I have not received any correspondence on this matter in any capacity about this debt.
Product: Credit reporting or other personal consumer reports

i have car loan inquiries on my report that i did not authorize and i would like removed. the inquiries were made on XX/XX/2023.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple fees I have incurred. The transactions were unauthorized my account was hacked, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with account problems I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I sent a letter to convergent asking for : XXXX. Validation of the debt-that is, the actual accounting. 

However, according to 15 usc 1692e, is usc 1692d, and 15 usc 1692B. 
Not use any language or symbol or any envelope or in the contents of any communication effected. By the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Credit card

I have two credit cards with PNC Bank. One card with a {$12000.00} credit limit with nothing owed and PNC took my crdit limit down to {$500.00}. The second card had an {$8000.00} credit limit I owe {$1500.00} and PNC took my credit limit down to {$2100.00}. I have never been late on either card. The reasons that were given on the first card was : * change in payment activity * delinquency on accounts * insufficient balance or charge in balance in PNC deposit acct. 
* amount owed on PNC accounts On the second card the reason was : * Another PNC credit card account of yours had a credit limit decrease. 
My PNC card that had the {$12000.00} limit hasn't been used since XXXX due to me needing it for a trip this month. When I went to use the card the balance was now {$500.00}. The last payment I made was for {$400.00} in XXXX which paid the card off. This is the worst bank ever.
Product: Debt collection

Around XX/XX/2020 this Title Company FIRST AMERICAN MORTGAGE SOLUTIONS Assisted to record a Fraudulent Document to a third party company affecting the Chain of Title of my house located at XXXX XXXX XXXX XXXX CA XXXX ( Attach the instrument # XXXX herein ). 
I state since there existed 2 Robo-signatures documents previously recorded in the Chain of Title of the property describe above, I already reported to the Local Authorities as well to the CFPB inquire number # XXXX against the XXXX XXXX XXXX XXXX Then for after the one recorded by FIRST AMERICAN MORTGAGE SOLUTIONS it makes the document recorded with instrument # XXXX Fraudulent and Void itself, the title company 's client XXXX XXXX XXXX had personal knowledge about it, They Ignored and rejected the information given. ( Attached XX/XX/2020 Certified letter Please see Pages 32-33 as reference, at that time The Title Company 's Client didn't include the Title Company name ). 
So Thru the CFPB I would like to have this title company to remove this document from the county records and send me an Apology Letter.

I want to say every company or institution who are participating in the theft of my property will be liable for economical and medical damages I may incur.